vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-05 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
We have been attempting to enroll in a Covid 19 program for payment assistance since XXXX. 
Here are the notes we have on our end : XXXX XXXX first call to inquire about the program found on your website offering Covid 19 payment assistance. 
XXXX emailed insurance declaration XX/XX/XXXX>spoke to a rep about a specific program XXXX temporary reduction via refiance for 4 months @ 6 % APR ) ; We were told that XXXX Investors was not reporting any late payments at this time. 
XXXX emailed insurance declaration again to another rep who said they could not find it XX/XX/XXXX>spoke with XXXX for an updateXX/XX/XXXX>Spoke with XXXX XXXX manager for an update XX/XX/XXXX>Spoke with XXXX for another update ; We were told that everything was received an we were awaiting for the next steps. We asked about credit reporting and he relayed to us that they were not reporting any late payments during this Covid crisis at the very least and not to worry about it at this point. 
XX/XX/XXXX> spoke to XXXX due to XXXX not available because of vacation and that the case # was now missing on the declaration for the insurance. 
XXXX XXXX Spoke to XXXX XXXX ( another manager ) who said the insurance was still not updated in their system but was updated on the insurance system ( a conference call with the insurance company verified it was completed and on their system. XXXX at this point offered another program to enroll in if we were unsuccessful with the current one and was going to call us back with details. ( one month deferral program ). We never received another call back since. 
XXXX XXXX I spoke with a manager whom indicated that we still were not enrolled in a program and that we could start the process for a different program at which point I informed her that we were already attempting to refinance with a credit union. I asked her if we needed to make a payment in order to have to time to refinance which we knew could take about 10 days and she was unsure and directed me to call another #. 

At this point in time we have given up on any program and have successfully secured new financing from XXXX XXXX XXXX of XXXX. 
How ever, I was un pleasantly surprised to find any creditor reporting late payments of any kind while we are in this Covid Crisis period. 
We are both now unemployed and have no idea as to how long this will continue base on government guidelines. However the loan will be paid in full with in the next few days and I would like the credit department to remove the late payment and correctly place a paid in full closed account remark instead. 
I respectfully ask that this be done immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: MARINER FINANCE, LLC
State: TN

Complaint narrative:
- XX/XX/2018 I got the 10-day XXXX  that turned into XXXX, which made it impossible to work for 30 days. Not knowing what to do during this time, I had received a check in the mail that you just go deposit, and it says it is a loan at 41 % interest. 
- I am an XXXX  XXXX, a XXXX XXXX XXXX, and I can not control sometimes when I get paid. I am the very last person to get paid in a transaction IF and WHEN it closes. And additional governing factors do not make it any easier. 
- This company would start calling me whenever a payment was late. The very first day past the due date. 2 and 3 times a day. I asked them to contact me after XXXX XXXX  however they never honored my requests and communications with them became literal harassment. Yet their office was never available after XXXX XXXX  to communicate. 
- They sent my account to an attorney and they served me with a civil warrant. 
- I have attempted to talk to the attorney 's office on 3 separate occasions. I asked them to negotiate the amount owed. They did not and told me to contact the company. 
- When I call the company, they will not negotiate on the amount owed. And even the attorney never attempted to negotiate the amount. 
- This company never provided me any terms of this loan in writing and they intentionally make HARD pulls on my credit every 3 months. Intentionally damaging my credit. I told them I did not give them permission to pull my credit. They said they had the right. This is absolutely crazy, so if I pay this off, can they still pull my credit like this. 
- They won't negotiate a lesser paid in full balance. Everyone negotiates. And so because I have an outstanding balance or because they say so because the terms were not provided to me, they just can do as much damage as they so choose. 
- Literally this company is malicious. A mortgage lender would do a soft pull as to not damage the person 's credit. They are intentionally trying to do continued damage. 
- They have even continued to make HARD pulls on my credit even after it has been sent to the attorney. Even though they say they are not allowed to talk to me. 
- Seriously someone needs to review what these small companies are doing to people.

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 2020-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
The problem is with Transunion. I have already successfully placed security freezes on my record with XXXX  and XXXX. The process at those two companies was seamless and easy. Transunion has made the process difficult. I'm doing this over the phone because I DO NOT WANT TO HAVE TO CREATE YET ANOTHER ONLINE ACCOUNT! First, I couldn't complete my freeze with Transunion on XX/XX/20 ( yes, XXXX XXXX holiday when I had some extra time ) because they said their office was closed. But it was an automated phone system -- why does it matter if their office is closed? It worked fine on the holiday with the other two companies. Second, when I called back on a work day, I put in all the required information and they still made me wait on hold to " talk to a company representative. '' When I finally reached an actual person, the first thing they did was ask for my SSN. I'm not comfortable giving this information to an individual person. I want to do it on the automated system. But every time I try to place my security freeze with Transunion, they funnel me to a person whose main interest is in selling me services. Please crack down on this behavior and require Transunion to make the process of freezing one 's credit easy, automated and SECURE!

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 2020-06-05 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: MD

Complaint narrative:
EXPERION has been committing fraud by generating information that has no source. And manipulating the credit score factors. To decrease scores of many consumers and not only myself. Can someone fix or investigate The coding of the score factors? Ive made over 4000 attempts in between XXXX and XXXX to have this corrected. And rather than remove it they replace it as shown in the attachment Which I have placed an order. Im custom explanation for each of the 10 attachments. What is the law in the state of Maryland grants me. The free credit report an act Also grants me {$10000.00} per every 28 days that the credit bureau report affect my life negatively. That I will be pursuing with a lawyer. Because enough is enough. I will be showing this letter to my attorney general if Maryland and to every media outlet in the 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 2020-06-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
I received a copy of my personal credit report from all 3 credit bureaus. I sent a certifies letter to the company on XXXX XXXX to the address on the credit report. I have never received any documentation verifying that I have a signed contract, verification I owe them a debt or anything bearing my signature. I have also filed a dispute with the credit bureau notifying them to delete this inaccurate information. Here is the proof of mailing Delivery Attempted Tracking # : XXXX Recipient Address : LVNV Funding XXXX XXXX  XXXX XXXX SC XXXX 1. PRE-SHIPMENT INFO SENT USPS AWAITS ITEM, XX/XX/2020 XXXX XXXX, XXXX, AZ, XXXX 2. PROCESSED THROUGH USPS FACILITY, XX/XX/2020 XXXX XXXX, XXXX, AZ, XXXX 3. ORIGIN  ACCEPTANCE, XX/XX/2020 XXXX XXXX, XXXX, AZ, XXXX 4. PROCESSED THROUGH USPS FACILITY, XX/XX/2020 XXXX XXXX, XXXX, AZ, XXXX 5. SHIPMENT RECEIVED ACCEPTANCE PENDING, XX/XX/2020 XXXX XXXX, XXXX, AZ, XXXX 6. PROCESSED THROUGH USPS FACILITY, XX/XX/2020 XXXX XXXX, XXXX, SC, XXXX 7. PROCESSED THROUGH USPS FACILITY, XX/XX/2020 XXXX XXXX, XXXX, SC, XXXX 8. ARRIVAL AT UNIT, XX/XX/2020 XXXX XXXX, XXXX, SC, XXXX 9. AVAILABLE FOR PICKUP, XX/XX/2020 XXXX XXXX, XXXX, SC, XXXX 10. ARRIVAL AT UNIT, XX/XX/2020 XXXX XXXX, XXXX, SC, XXXX 11. REMINDER TO SCHEDULE REDELIVERY, XX/XX/2020 XXXX XXXX, XXXX, SC, XXXX 12. REMINDER TO SCHEDULE REDELIVERY, XX/XX/2020 XXXX XXXX, XXXX, SC, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC
State: IL

Complaint narrative:
The company my complaint is on is with Sunrise XXXX. I called them on XX/XX/2020 at XXXX trying to get information on a debt that they said I owed. When I spoke with the individual he stated that the account at a {$0.00} balance and they no longer hold the debt. However the debt is still showing on my credit report for {$2700.00}. I explained that what they were doing was illegal under FCRA by continuing to report this debt under Sunrise when they do not own it. Prior to this I had sent certified mail to XXXX  and XXXX  and Sunrise Debt disputing the debt and no action has been taken and now I understand why because Sunrise no longer holds the debt.I am in the process of purchasing a home and I do not want inaccurate or false information on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
I purchased an item and paid for it via Paypal. The seller shipped me an item " not as described ''. I contacted the seller and they assured me numerous times that they would ship a replacement. 3 weeks transpired and they refused to provide any tracking information and all i was getting was lip service/run around. I opened a dispute with Paypal for the incorrect item. Paypal did authorize the refund IF i returned the item back to the seller. I told them I would be happy to do so but that I will not be responsible for shipping charges to return the 15LB item back to XXXX ( shipping alone is calculated at over {$150.00} ). I ordered the correct item and the customer service rep for the company confirmed what i ordered and was shipped something completely different, not to mention the item i received is a counterfeit XXXX  product made in XXXX. The seller advertised the items online as XXXX. I used Paypal for the protection that it gives the seller and the buyer. However paypal is now telling me that I must pay the return shipping on an item that was sent to me fraudulently to get a full refund.???? Why am I responsible for return shipping on an item that is clearly fradulent and not what I ordered????? Paypal refuses to budge on this issue, even tho i have made it very clear to them what they sent me is ILLEGAL!!! They dont care at all they are happy protecting the criminal seller and punishing me the customer for making a normal purchase. The only way to solve this issue is a full refund of my money! The only person they are protecting in this issue is the seller and themselves.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-05 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: DISCOVER BANK
State: OR

Complaint narrative:
I have two balance transfers through Discover. One is due on XX/XX/XXXX and one is due on XX/XX/XXXX. I recently made a payment of {$2000.00} on my account so I could pay off the amount that was due on XX/XX/XXXX. I checked in today and Discover told me I have an active balance of {$1600.00} on the balance that is due on XX/XX/XXXX. I think, well, this can't be correct. It turns out they applied my entire payment to my OTHER balance transfer, the one that is due a year from now. I went through a representative who wasn't able to help me and spoke with " XXXX '' from XXXX, AZ. He assured me that this is normal and that there is NO WAY to either reverse the charge or apply it to the correct balance. He also told me that there is no way to PAY on that balance, until the entire balance on my balance due in XXXX is paid which sounded even more ludicrous. I asked several times if there was any way he could help me on this and he just kept doing a copy/paste job on what on some scripted text they have. Even after I told him my family would go hungry if I had to pay an additional {$1600.00} on top of the {$2000.00} I already gave the company that month. He kept stating there was nothing he could do. Then after doing some XXXX searches, I found you, you can indeed request the company to reverse your over payment back to your bank account, I told XXXX this and he said " well I didn't think you would want that option ''. Long story short, I'm supposedly getting the {$2000.00} sent back to my bank account, so now I can wait till my balance transfer expires and then and only then I can make the full payment on it. This entire thing made me super skeptical of Discover 's business practices. They're definitely using some loopholes to benefit themselves over the customer and instructing their supervisors to not budge or refund money unless explicitly asked. Once my account is paid up I will be closing this card and running far far away from Discover. Your company can do better than this. I will likely now have a ding on my credit report for letting the balance transfer " expire '', but they've literally given my no other option than to pay the entire balance in full. Very deceptive, predatory practices. XXXX also refused to give me contact information when I wanted to file a formal complaint, so here I am on consumer finance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: NJ

Complaint narrative:
On XX/XX/XXXX of 2017, I reacted to an offer made at an XXXX  retail store in XXXX NJ. I was trying to replace a XXXX XXXX  XXXX to the latest version, XXXX  XXXX. The salesman convinced me to take the package deal that included XXXX, and so I agreed and was expecting my new phone to arrive in the mail. On XX/XX/2017 I received the phone and it was not the model that I was supposed to get. 

I immediately returned the incorrect phone and asked for the proper phone o be sent. I was told that the phone was not part of the package so I cancelled everything but my wife 's XXXX. 


No phone, no telephone service and I have been subjected to harassment 's ever since this event. My credit score is near perfect and has been for a very long time. After the confirmed cancellation apparently XXXX XXXX XXXX sent my account to a collection agency. I refuted it through one of the credit reporting agencies, XXXX and the matter disappeared for a while until I suspect the debt collection company sold it once again to another company which is where we are now. I am harassed daily by them with phone calls. I recently disputed it one more time through XXXX. Went through the same fiasco with XXXX  and their handing of this is the most egregious. After what they said was an investigation and communication with this collection agency they had the gall to report t hat hey have determined that the debt was valid based on, get this, a certification made by the collection agency that the debt was valid. 

So that's all it took to continue this travesty. A certification without backup. 

My complaint is against XXXX XXXX XXXX for selling a fraudulent debt that they knew was invalid to a collection agency, who was grossly negligent and did the same and sold to the current collection agency, who has certified that an invalid debt was valid. What duty do these three have to take care that what they are doing is justified. I have suffered much emotionally in seeing my credit score maliciously attacked.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-05 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: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I purchased a XXXX XXXX XXXX from XXXX on XX/XX/XXXX. Wells Fargo Dealer Services were the bank that financed the car. During the ownership of the car, it needed {$7000.00} worth of repair services that did not make sense within the first year of ownership. I contacted Wells Fargo to inform them. They put 2 payments in the rear of the loan to assist me. However, the loan was 2 months behind. I did not receive any phone calls or written notifications that the car was in repossession status. I have sent certified letters on XX/XX/XXXX asking for validation and proof on how the car was repossessed. 

I was living in XXXX XXXX XXXX at the time of the repossession. The repossession company violated my rights by taking possession of the car in my underground garage which is locked and only accessible with a remote control. I have been contacting Wells Fargo for well over 2 years trying to get written proof of everything and I have not received it so I am filing a complaint here and my next move is the Attorney General. Wells Fargo is well known for their fraudulent practices

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 2020-06-05 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: OneMain Finance Corporation
State: GA

Complaint narrative:
on XXXX XX/XX/XXXX and XX/XX/XXXX I recieved inquiries from One Main financial on My credit report. I did not authorize these hard inquiries. I disputed it, I've spoke with one main reps to get authorization proof for these inquiries but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
See attatched VISA USAA statement ending XXXX THIS IS NOT MY ACCOUNT. A Visa card was sent to me ending XXXX 2018 I DID NOT AUTHORIZE. I DID NOT OPEN THIS ACCOUNT. XX/XX/2018 UNAUTHORIZED TRANSACTIONS OCCURRED.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 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: NV

Complaint narrative:
I purchased a XXXX XXXX XXXX from XXXX on XX/XX/XXXX. XXXX XXXX XXXX XXXX were the bank that financed the car. During the ownership of the car, it needed {$7000.00} worth of repair services that did not make sense within the first year of ownership. I contacted XXXX XXXX to inform them. They put 2 payments in the rear of the loan to assist me. However, the loan was 2 months behind. I did not receive any phone calls or written notifications that the car was in repossession status. I have sent certified letters on XX/XX/XXXX asking for validation and proof on how the car was repossessed. 

I was living in XXXX XXXX XXXX at the time of the repossession. The repossession company violated my rights by taking possession of the car in my underground garage which is locked and only accessible with a remote control. I have been contacting XXXX XXXX for well over 2 years trying to get written proof of everything and I have not received it so I am filing a complaint here and my next move is the Attorney General. XXXX XXXX is well known for their fraudulent practices

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 2020-06-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENOVA INTERNATIONAL, INC.
State: NV

Complaint narrative:
I received a copy of my XXXX  credit report and the company is reporting a collection that I have no knowledge of. I have never received any written proof from them validating the debt with my written signature, a contract or a document showing I owe them money. I sent a certified letter to the collection agency and it was returned undeliverable. This inaccurate information should be deleted. I contacted XXXX  with a certified letter and XXXX  responded with saying it was accurate but with no written proof of who was contacted, written information or a verifiable source

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I AM VICTIM OF AN IDENTITY THEFT, THE WF CDR SVC ACCOUNT IS FRAUDULENT AND NOT MINE, THE CHARGES AND THE LATE NEGATIVE REPORTING IS ALSO FRAUDULENT AND NOT MINE. PLEASE UNDERSTAND MY REQUEST AND REMOVE THIS FRAUDULENT ITEM FROM MY CREDIT RPEORT, PROFILE.

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