vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-14 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: FL

Complaint narrative:
XXXX XXXX agreed to remove late marker on credit file date for XX/XX/19. However XXXX  and Experian will not allow me to reinvestigate or submit a dispute.

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 2020-09-14 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5900.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for  dispute initiated on XX/XX/2020 and the subsequent response received on XX/XX/2020 enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- COLLECTION ACCOUNT 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2020 with a balance of {$5900.00} -This is not my 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 2020-09-14 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: CA

Complaint narrative:
T

o : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5900.00}. I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/2020 and the subsequent response received on XX/XX/2020 enclosed

with this letter. In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNT 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2020 with a balance of {$5900.00} -This is not my 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 2020-09-14 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5900.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for  dispute initiated on XX/XX/2020 and the subsequent response received on XX/XX/2020 enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNT 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2020 with a balance of {$5900.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 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: IN

Complaint narrative:
I have a loan with PORTFOLIO RECOVERY A, XXXX XXXX, and XXXX XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, PORTFOLIO RECOVERY A, XXXX XXXX, and XXXX XXXX XXXX with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-14 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: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
I have a loan with XXXX XXXX XXXX, XXXX XXXX, and LVNV FUNDING LLC. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, and LVNV FUNDING LLC with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 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: FL

Complaint narrative:
I have sent a total of 4 letters to XXXX, TRANSUNION and XXXX  regarding student loans on my credit report. The companies listed above have violated my rights under the the FCRA and CARES ACT. 

1. I sent letters disputing the student loan accounts on the following dates : XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 None of my disputes to these accounts have been noted and added to the comment section of my report. This is a violation of section 623 of the FCRA.

2. Per the CARES ACT H.R. 748 ( 116 ) borrowers of Federal student loans were granted a six-month pause on their payments and they were to be listed as on time payments, but the bureaus have 120 day late payments and charge off listed for the months of  XXXX until XXXX of 2020. 


3. The bureaus have different dates listed for the date of last activity, how can this be possible when they are coming from the same data furnisher? This is also a violation.

I have attached proof of my previous correspondence AS WELL AS PROOF OF THE INCONSISTENCIES ' ; BEING REPORTED BELOW.

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 2020-09-14 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have sent a total of 4 letters to XXXX, XXXX  and Experian regarding student loans on my credit report. The companies listed above have violated my rights under the the FCRA and CARES ACT.

1. I sent letters disputing the student loan accounts on the following  dates : XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 None of my disputes to these accounts have been noted and added to the comment section of my report. This is a violation of section 623 of the FCRA. 2. Per the CARES ACT H.R. 748 ( 116 ) borrowers of Federal student loans were granted a six-month pause on their payments and they were to be listed as on time payments, but the bureaus have 120 day late payments and charge off listed for the months of   XXXX until XXXX of 2020. 


3. The bureaus have different dates listed for the date of last activity, how can this be possible when they are coming from the same data furnisher? This is also a violation.

I have attached proof of my previous correspondence AS WELL AS PROOF OF THE INCONSISTENCIES ' ; BEING REPORTED BELOW.

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 2020-09-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRUIST FINANCIAL CORPORATION
State: MA

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2020-09-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: WV

Complaint narrative:
On XX/XX/2020, my paypal account was sent {$4500.00} & {$5000.00} thru friends and family. This what sent from a friend. I went to transfer some of it since I needed this money especially after everything 's happening do to the Coronavirus. However, I couldnt bsend it thru a card, a bank, or even a wire transfer nor friends and family, even had my brother send me a payment thing to my account for exact amount in my account since his goes straight to his bank. Still nothing. PayPal limited my account just a few hours later. I couldnt do anything or show any proof as to this is my account and it was legitimate. 

XX/XX/XXXX I believe my friend was supposed to refund his money back since I couldnt find the screen too. However this ended up being worse since he did a unauthorized transaction, he believed it to be more a default setting nothing he did technically is what he explained to me. On the XXXX paypal rules in my favor even though thay wasnt the point. 

On 2 of XX/XX/2020, after sending all my info describing all my issues and doing everything ask of me by the 15 different agents I spoke to paypal closes my account for suspicious activity. For reasons not really understood even though I had read the policy and have sense.

I tried numerous times trying to speak to someone however I rrcieved a bit or the same message saying sorry for any inconvenience and how the closing of the account was final and couldnt be disputed. They don't say to you it cant be disputed in there policy on closing of the account.

Now they are saying I have to wait for 180 days to withdraw my funds. This is ridiculous in nature especially in a pandemic as we are in.

This was all do to PayPal restricting a paypal cash account without any reason too and also so to husband setting up the account for me not understanding the difference between this kind of account and a buisness account. When trying to fix the errors in the account and limitations is ultimately what causes the account suspension. Had paypal advised the issue would have raised I could have kept from it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Consumer Portfolio Services, Inc.
State: CA

Complaint narrative:
I'm having a problem with the loan I got in to and I think I'm in to a deep hole a sort of scam they got me into for not having a good credit score I was sweet talked into a " good deal '' according to them I was never advised about limitations on car return if I didn't like it on how much time I had to return it instead they made me sign sum papers on agreeing to  paying XXXX in a loan of XXXX car tag sale price. They give me another paper to sign and on this one I didn't notice at the bottom of the page that my total price was XXXX XXXX to pay them didn't even notice that because I was convinced that my payment was only going to be XXXX, what was verbally agreed on. it took me like 4 to 5 days to read the full contract since I was working 12 hours a day 6 days a week I didn't have much time to do anything I was in for a big ugly surprise when I reviewed the contract on the second page I came to find out that I  was in for a big set back saying that I had to pay XXXX total XXXX dollars monthly payments for 6 years and not the XXXX dollars a month for only 3 years as I tought I left it like this thinking to myself there's nothing I could do anymore what a big dissapointment no wonder the original woman sales person I was going to do the deal with got swaped by one of the more experienced salesman person I think he was a supervisor at this dealership so he just told me that I had no choice but to take the car that they picked for me i didnt wanted that car but they said I had no choice cause of my credit and i was very desperate for a car since I needed it for work so I got myself on this big deep hole that it seems I cant get out of its been 8 or 9months of payments of XXXX dollars a month i have paid to them and nothing changes on my loan it still says I owe them XXXX dollars so every time I pay its the same balance of XXXX I had text with them to send me the total I owe them thinking that they had probably had not refresh their data on the computer but not they told me that I owed those XXXX seems like a rip off and dishonesty on the dealers part and on the bank where I got my loan are ripping me off. In asking for your help please on what can I do on this bad dishonest loan I got into.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 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: FL

Complaint narrative:
I recently pulled my credit report and saw a bunch of fraudulent accounts including a school XXXX XXXX that I never attended. The bureaus removed XXXX XXXX but some of the student loans remain.

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 2020-09-14 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP
State: PA

Complaint narrative:
Hello, My name is XXXX XXXX XXXX XXXX. I am currently receiving PUA unemployment due to COVID-19. I have been on unemployment since XXXX. I have never had a problem with my reliacard until XX/XX/2020. I made a transfer of {$1400.00} from my reliacard to my XXXX XXXX card. After I attempt to make the transfer my card was block from any further purchases and the {$1400.00} never deposit into my XXXX  XXXX  account. I awaited numerous days and currently still waiting and nothing. Ive made several calls to reliacard and they told me I needed to fax verification to them for proof of identity to try and combat fraud. I sent my ID, my passport, my birth certificate and my card ID number right away and it has now been 18 days and I still dont have any access to any of my funds and my transfer was never completed. I have proof of everything. Please help me. I am not a scammer, I am not committing fraud. Im just a mom of XXXX  who needs to feed her children and pay my bills. Please help me. My telephone number is XXXX and my email is 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 2020-09-14 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: FL

Complaint narrative:
I recently pulled my credit report and saw a bunch of fraudulent accounts including a school XXXX XXXX that I never attended. The bureaus removed XXXX XXXX but some of the student loans remain.

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 2020-09-14 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: FL

Complaint narrative:
I recently pulled my credit report and saw a bunch of fraudulent accounts including a school XXXX XXXX that I never attended. The bureaus removed XXXX XXXX but some of the student loans remain.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Delay in processing application
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
Synchrony Bank Fraud Dept. required an Affidavit of Identity to be faxed to them for my Lowe 's creditcard application. However, the fax number that Synchrony provided didn't answer when I tried several times. Synchrony Office of the President ignored my concerns. Synchrony refuses to provide a statement credit for my inconvenience. ( Synchrony does give a STANDARD {$25.00} credit to EVERYONE who applies, but that is not sufficient in this case. )

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 2020-09-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
There is a charge of {$12.00} dated XXXX XXXX on my XXXX XXXX XXXX XXXX credit card ( owned by Comenity Capital Bank ) which I am not aware of that charge and the credit card company has not yet been able to tell me what that charge is for. However, although I never received a statement for that charge either by email or by US mail, I have been willing to pay that {$12.00}, but the collection department in the comenity Capital bank has been very deceptive, dishonest, cheater, manipulator, harassing and has been playing games with me in regard to omitting all the late and finance charges. I have talked to at least 8 different representatives and I have never experienced such dishonest and deceptive customer service in my life. A couple of them finally agreed to delete all the late and finance charges, but when I gave them my checking account information.they wanted to charge me for a couple more late fees. 
The fact of matter is that I have spent at least 9 hours with them for a charge that I am not aware of. I have always paid all my bills to all my credit card companies on time as it is evident from the enclosed attachment about the last payment for {$42.00} on XX/XX/2020. 
My XXXX  score is over 800 because I have always paid all my bills on time.This Bank is a horrible CHEATER with very poor and harassing customer service. 
I strongly believe that the company intentionally does not send, occasionally, the statements to customers to rip them off with late fees and finance charges ; m in my case {$64.00} for {$12.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2020-09-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: RI

Complaint narrative:
I see multiple 30-120 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
Venmo in which I was receiving unemployment benefits ; without notice and explanation froze my account with {$5900.00} in unemployment benefits frozen since XX/XX/2020. I am requesting an investigation and asking the my consumer right are protected and my much needed FEDERAL UNEMPLOYMENT IS RELEASED IMMEDIATELY. THANK YOU XXXX XXXX.

Company response to consumer: Closed with explanation