vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-30 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: AL

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.

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 2020-11-30 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: MD

Complaint narrative:
Dear CFPB please find attached with this complaint copies of the results of the investigations that Equifax and XXXX  initiated into this medical account after i had inquired that they provide me with process of ensuring accuracy. As you will notice on the copies from XXXX  the above named account has been deleted because XXXX  conducted a proper investigation and has determined that this account is reporting inaccurately. Equifax on the other hand has not investigated the account but sent me a response back lying they did and the account has been verified as been accurate. Equifax responded back to me the same day they received my mail. this account is inaccurate and must be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I left the XXXX XXXX  for ADA reasons. I haven't filed an ADA complaint over this yet but, I'm close to doing so. I don't owe this apartment community anything. I've submitting a XXXX balance receipt several times and it is still not coming off. This makes no sense. It's illegal to list this. it's a federal crime.

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 2020-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On Friday, XX/XX/XXXX, my XXXX account was compromised and was used to make multiple purchases. Purchases then continued onto the XXXX and I caught the transactions then. I then contacted XXXX to report this activity, they gave me no help and stated refunds are not possible, only giving me the option to change my password. I contacted Bank of America fraud to start the disputing process and had two separate claims, finding out today XX/XX/2020 that one of my claims has been denied due to having 2 claims open related to the same merchant. The 2 claims was bank of Americas decision and I shouldnt have to get denied because of that.

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 2020-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: VA

Complaint narrative:
On XX/XX/2020, I sent {$280.00} using the Cash App app to a person to purchase tickets. Almost immediately after, the user blocked me on multiple platforms and I was unable to contact them. Knowing I had been scammed, I attempted to use the " refund '' option on Cashapp. They have not responded to this. I contacted Cash App, and was effectively told to XXXX off. XXXX  XXXX XXXX has told me to contact Cash App and I am unable to find a resolution to my issue. This person is now {$280.00} richer while I'm struggling to find a resolution to my issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 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: PA

Complaint narrative:
Paypal has as of XX/XX/2020 started requiring the use of text or phone calls to access my account, without notice of this change. In doing so, it states that I would grant Paypal permission to call and text me for a variety of reasons. I will not grant them that access. I have never provided my phone number - it was pulled from a 3rd party transaction. Since I can not access my account, I have no way to track or manage a {$25.00} pending credit. The credit should be provided in " 5 to 7 business days ''. 

XX/XX/2020 was the 5th business day. Paypal refused to process the credit or provide any explanation for requiring 7 business days. I spent 5 hours on the phone attempting to resolve this issue. I was hung up on once. I spent at least three quarters of that time on hold. I spoke to 4 different individuals from CSR to Manager and I had to re-explain the entire situation to every one of them. They refused to provide a direct callback number so I could follow up on the 7th day. So I can waste another 5 hours.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-30 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
On XX/XX/2020, I am seeing a hard inquiry with XXXX from Bank of America. I did not authorize said bank or any person or entity to obtain my credit report. This may be a fraudulent inquiry. I have communicated with XXXX  about this issue, and they assure me they are going to remove this entry.

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 2020-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: KY

Complaint narrative:
Wells Fargo opened several accounts in my name, including a credit card I did not request or was sent to me as a debit card. A settlement dispute was resolved over multiple accounts back in 2016. However, the credit card was charged off & I was never sent the bills after I became XXXX and was in a XXXX home. 
I've tried to resolve the issue with their collection firm and attorneys, however, there is nothing they can do since the settlement was not recorded in a court or via their legal team. 
I still have not received any compensation after Wells Fargo opened more than 4 accounts in my name, charging me extra each month on each account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

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 2020-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
Portfolio Recovery calls me repeatedly during the day and as late as XXXX at night. They call from dozens of numbers from all over the country. I have repeatedly asked to stop being contacted, as the person they are looking for is not me. The representatives are sometimes rude and hateful and ask for personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-30 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recovery Associates is reflecting on my credit report with 2 different account numbers. I have not signed a contract or created debt with their company. I have disputed the accounts several times with the company and with the 3 credit bureaus. The company keep sending me what looks like a last statement that barely has anything on it nor does it prove my ownership of the debt. I have continuously disputed the fact that all 3 bureaus are reflecting differently and asked that the account be removed due to inaccuracies however all they do is verify that it is accurate. Its also reflecting a past due balance? How?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2020 i sent a letter regarding inaccuracurate and unknown things on my credit report to this day over 60 days later I have bit received a response yet. I feel like Im being taken advantage of the and being ignored of my disputes. Section 611 ( a ) its plainly stated that a failure to investigate these items within 30 days gives a reason for immediate removal of those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file a litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

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 2020-11-30 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I had recently finished XXXX XXXX and I was applying to every job search engine I could. I was under tremendous stress from both parental and employment factors to find a job using my education. On XX/XX/2015 I was contacted via email by a woman named XXXX XXXX from a company called XXXX XXXX. She said she was from the HR department and that she found my resume on the internet. She also like my education and job experience. The position was for entry level management in logistics, which was right up my alley. She asked me to fill out an application via email and that she would review it and get back to me. She said the company reviewed my application and they wanted me to begin initial online training. I was assigned a training manager by the name of XXXX XXXX. He had my do various exercises and we began a training process. Once training progressed, XXXX told me I would be purchasing items they would need to open other offices around the US. He told me to temporarily apply funds from their corporate account to my XXXX XXXX credit card until I was given a corporate card from the company. I was given addresses of where to send the items I purchased and report to XXXX upon completion of each assignment. Roughly 4 weeks later XXXX XXXX reached out to me and wanted to speak with the account holder and not thinking anything of it, I told them no problem. I have been worrying with XXXX XXXX and it is their corporate account. When I tried to reach out to XXXX and XXXX they were unreachable. The company website was useless, all phone numbers were useless and email communication suddenly stopped. I felt like I had just been kicked in the stomach. I was the victim of an employment scam and I didn't even see it coming. I tried to explain this to XXXX XXXX and they didn't care. They just said I was responsible for the money. Roughly XXXX XXXX dollars was dumped on my card all at once. I told them I couldn't afford to pay that. They couldn't care less. I have tried debt settlement to no avail. I tried challenging and disputes. All failed. I have been dealing with this for 4 years and it is devastating to my credit score and my ability to to move on with my life. I just need help.

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 2020-11-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: NC

Complaint narrative:
My husband, XXXX XXXX, leased a XXXX XXXX XXXX for me starting in XX/XX/XXXX with the lease end of XX/XX/XXXX ; we contacted Hyundai Finance and were given permission by them to continue to 'rent ' the vehicle because we were in the process of refinancing the vehicle so that it was in my name. I contacted XX/XX/XXXX XXXX XXXX XXXX XXXX and was able to obtain a loan for the vehicle utilizing them. Additionally, my husband also received a loan through XX/XX/XXXXXXXX to purchase his lease ending vehicle from Hyundai Finance. 

We completed the paperwork at the beginning of XXXX including the Credit Union sending payments fulfilling the buyout of both vehicles from Hyundai. We were told that it would take approximately three weeks to receive the titles from Hyundai Finance that we would need in order to apply for tags and titles for our vehicles. Hyundai Finance has been negligent in their fiduciary responsibility towards myself and my husband. Though they received, accepted, and applied the funds towards closing out both accounts, they have not provided the necessary signed odometer statements that we need to take to the Department of Motor Vehicle in order to obtain our tags and titles.

We have contacted Hyundai Finance multiple times and each time they will ensure us that they will send us the necessary signed documents ; they have not fulfilled their part of the bargain to this date. It has been nearly two months since we submitted the payments necessary to close out our Hyundai Finance accounts but Hyundai Finance seems intent on not providing the signed documents. We simply want the signed documentation necessary to complete the transaction when we go to the DMV. I am a part of this now because XX/XX/XXXXXXXX provided me a loan for the vehicle but I can not obtain tags for my vehicle due to Hyundai Finance 's negligence. Additionally, my husband has the same issue with his vehicle.

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 2020-11-30 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
I have a home equity line with Regions bank. I requested to payoff the loan in one lump sum payment and I was given the payoff amount good till XX/XX/2020 but I paid off the loan 5 days early on XX/XX/2020 so I made an overpayment for the interest of those 5 days. I then received a statement from regions bank and on that statement there was a charge of XXXX dollars inactivity fee plus they owe me the overpayment of the interest for -sting the loan 5 days early. I called the bank and asked for a manager who was extremely rude and kept arguing with me and her name is XXXX. Regions bank overcharged me interest and fees for no reason. I paid off the loan but they still charged me XXXX dollars inactivity fee and they did not refund me the XXXX dollars overpayment that I paid them .so Regions Mortgage bank owes me XXXX XXXX dollars of overpayment and fraudulent fees which they called inactivity fees which is ridiculous. I was paying on the account and there is NO inactivity fees to be charged to my loan. I want Regions Bank to refund me XXXX dollars that I overpaid them and to release the lien on my house since I paid off the whole balance and plus an overpayment of XXXX dollars which they should refund it to me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
An expired credit card was used fraudulently to set up aXX/XX/XXXXaccount. The phone #, license plate and automobile listed on the account are not mine. I had contacted theXX/XX/XXXXCustomer Service Center ( XXXX XXXX and XX/XX/XXXX ) on several occasions about this matter and was instructed to document my complaint in a letter. This letter was sent to them by Certified Mail on XX/XX/2020. I phoned them a month later and was told by customer rep " XXXX '' that the investigation was ongoing and nothing more needed to be done on my part. On XX/XX/2020, I received a notice from a collection agency Transworld Systems Inc. to collect this fraudulent debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/2020 i sent a letter regarding inaccuracurate and unknown things on my credit report to this day over 60 days later I have bit received a response yet. I feel like Im being taken advantage of the and being ignored of my disputes. Section 611 ( a ) its plainly stated that a failure to investigate these items within 30 days gives a reason for immediate removal of those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file a litigation due to the stress you caused me. My information was also impacted by theXX/XX/XXXX data breach and may have gotten into the hands of the wrong person.

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 2020-11-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: SC

Complaint narrative:
Late XXXX, I was notified that my Mortgage Servicer was being transferred from XXXX XXXX to Select Portfolio Servicing. I tried to pay my mortgage on XX/XX/XXXX to XXXX XXXX, but they stopped accepting payments on XX/XX/XXXX. I called Select Portfolio Servicing because I had not received any communications from them at that point. I needed to know that this transfer was valid, and not a scam. I asked them to send me documentation and a bill. They provided me with a new account number at that time. I did receive documentation, but still no bill. I was told that there would be no late fees within the first thirty days after the transfer. 

I started receiving phone calls ( but no message left ) around the XXXX from XXXX XXXX XXXX. Finally, they left a message idenifying themselves as Select Portfolio Servicing. I decided to log into their website and make a payment. When I logged in, I noticed on my dashboard a message indicating that I had opted for paperless billing, which is not true. I also noticed a statement that 'all online payments are subject to a {$15.00} 'processing fee '. 

I called them back the next day, and a woman insisted that I make the payment over the phone by check. She said that she would waive the {$15.00} fee for telephone payment. She claimed that I was not set up for paperless billing, despite the website advising me otherwise. I asked her, if this was so, why had no one sent me a bill for 19 days? How was I supposed to pay a bill I had not received. She explained that I could use telephone or online payment. 

I already have finincial problems due to COVID-19, and an extra {$15.00} is not acceptable ( and would still not be if I did not have financial concerns ). I pay all my bills online with no servicing fees, including the last 6 or 7 years with XXXX XXXX. 

This is unacceptable proce gouging i the best of times, but expecially now. Online bill payment is a modern convenience. I did receive a bill for my XXXX payment on XX/XX/XXXX, meaning it is impossible that I can get a payment to them via US Mail by XX/XX/XXXX. 

The fee is absordinate, simply put, and Select Portfolio Servicing has done a terrible job transitioning. How can you trust a company like that?

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