vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
Hello there! 

I got a problem with PayPal again. I sent money to my mom and they put my personal and business accounts under reviews because I sent money to my Mother. They asked me to give them some information which I did gave them but they havent take the restrictions on my personal and business accounts yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
I have fell behind on my car note the last few months after being diagnosed with XXXX and being XXXX  for almost 2 months. I have spoken with the finance company Santander Consumer because my car note is due on the 1st of the month and I absolutely cant make my payments on the 1st I have begged and pleaded with them to change my car note until the middle of the month but they constantly refuses and I will forever be behind on my car note. The interest rates are so high and I owe more on the car than its worth Im stuck in a situation and they will not offer any help they offered me a few extensions while I was XXXX  but thats it. I never received any information about the settlement when they were sued I shouldve received my title to my car because i qualified but I was over looked. I currently owe {$19000.00} on a XXXX  XXXX XXXX and my payments are {$470.00} a month they are getting over on a lot of people with the tactics they are doing. Ive spoken with managers and they still will not offer me any help with this car loan that Im stuck in. I have had this vehicle for almost 2yrs and if the give you and extension they add so many fees and high rates that you have to pay back Im just a huge lost right here with Santander Consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Exeter Finance, LLC.
State: VA

Complaint narrative:
I called in XXXX of 2020 for an extension, due to being a XXXX XXXX XXXX  going to an unpaid internship. The extension was not processed. I called back again XX/XX/2020. It was still not processed. They said they would and never did. Now they are saying my car is in repossession status. After I've called n spoke with everyone including a manager. I'm a XXXX  XXXX  in college. The extension was suppose to be for two months. Now I'm two months behind on top of that I have late payment fees, two negative post on my credit bureau report saying I'm delinquent saying my score has dropped 45 points. I've not had a delinquent account in over 4 years. I'm furious and I will hire a lawyer if need to. This is absolutely ridiculous. I will go threw all platforms of reporting a company until someone fixes this situation. This is unfair and horrible customer service. I'm an active XXXX  who prior to these two months have been serving the community during the pandemic and I've not missed one beat of payments. I'm very upset. I feel disappointed and disrespected and not valued as a customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX is improperly and impermissibly reporting an account to the XXXX, XXXX  and TransUnion consumer as a " paid repossession '' when this is not the case. Moreover, the account has been reported twice to each of the agencies and has an inaccurate payment history - some with delinquencies reporting as late as XXXX, 2020. Complaints to the creditor and the credit reporting agencies have been ignored.

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 2020-11-16 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX is improperly and impermissibly reporting an account to the Equifax, XXXX  and XXXX consumer as a " paid repossession '' when this is not the case. Moreover, the account has been reported twice to each of the agencies and has an inaccurate payment history - some with delinquencies reporting as late as XXXX, 2020. Complaints to the creditor and the credit reporting agencies have been ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX is improperly and impermissibly reporting an account to the XXXX, Experian and XXXX  consumer as a " paid repossession '' when this is not the case. Moreover, the account has been reported twice to each of the agencies and has an inaccurate payment history - some with delinquencies reporting as late as XXXX, 2020. Complaints to the creditor and the credit reporting agencies have been ignored.

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 2020-11-16 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: DE

Complaint narrative:
for the last year and a half i have disputed a error on my credit report and equifax is still showing it on my report after the debt was not validated i have asked several time to show proof of valdation and that has not been shown

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
1. On XXXX. XXXX, 2020, XXXX XXXX  XXXX XXXX add a hard inquiry on my credit report per XXXX. 
2. On XXXX. XXXX, 2020, CAPITAL ONE AUTO FINANCE add a hard inquiry on my credit report per XXXX. 
3. On XXXX. XXXX, 2020, XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX is improperly and impermissibly reporting an account to the XXXX, XXXX  and TransUnion consumer as a " charge off '' when this is not the case. Moreover, the account has been reported twice to each of the agencies and has an inaccurate payment history - some with delinquencies reporting as late as XXXX, 2020. Complaints to the creditor and the credit reporting agencies have been ignored.

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 2020-11-16 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX is improperly and impermissibly reporting an account to the Equifax, XXXX  and XXXX  consumer as a " charge off '' when this is not the case. Moreover, the account has been reported twice to each of the agencies and has an inaccurate payment history - some with delinquencies reporting as late as XXXX, 2020. Complaints to the creditor and the credit reporting agencies have been ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX is improperly and impermissibly reporting an account to the XXXX, Experian and XXXX  consumer as a " charge off '' when this is not the case. Moreover, the account has been reported twice to each of the agencies and has an inaccurate payment history - some with delinquencies reporting as late as XXXX, 2020. Complaints to the creditor and the credit reporting agencies have been ignored.

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 2020-11-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
transunion has not updated the XXXX  acct and the XXXX XXXX? these accts have been poste as current info! this accts should not be allowed to be currentrly statuis

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 2020-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC
State: FL

Complaint narrative:
I paid in XXXX {$62.00} for a credit repair services, then they gave me half off because I gave them a referral. Since XXXX, they did not do anything, they went ahead Send letters to only collectors on the XXXX XXXX credit report. That was early in XXXX XX/XX/XXXX or XX/XX/XXXX, I told him to withdraw the money by XXXX XXXX and that would be my due date there after. They sent letters to only the creditors on one credit reporting agency, XXXX XXXX, making it so this process would be about four months, instead of them Doing what they said they would do as soon as I paid my services, they would file an investigation with all three major reporting bureaus XXXX, XXXX, and XXXX. They only pulled one report, which is XXXX XXXX and they went off of that. They never bothered to file a consumer dispute on my behalf with XXXX, XXXX. They acted in bad faith making it so I would have to use their services for four months or so. Thats XXXX  I request all the money that was paid returned back to the same account that they charged. That would be XXXX plus XXXX. They should be ashamed of themselves charging {$130.00} a month to do nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: MA

Complaint narrative:
I have a {$25.00} gift card with DEBT and Visa on its face. Card # XXXX XXXX XXXX XXXX exp XX/XX/21. 

I try to register it on line so I can use it but fail to log in as it does not recognize the card # and code. I subsequently called XXXX XXXX trying to resolve the issue but only get recorded msg that kept on saying it does not find my card # reported. In the recorded msg the only other option given is to cancel the card, which I did not intend to do. then it just hang up with giving me opportunity to talk to a life person to resolve the issue.

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 2020-11-16 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: OK

Complaint narrative:
XX/XX/2020 I contacted the credit collector that sent me a collection notice in reference to a cancelled automobile insurance policy to advise them that I can afford to schedule {$1.00} a month payments until Im able to pay the balance in full and the phone agent refused to schedule in their system to reflect that Im not avoiding them. 
She also refused to mail out an office right to dispute that reflects what minimum payment they would accept and stated she would accept 3 separate payments to pay the balance in full. ( I AM NOT A SERVICE MEMBER OR THE SPOUSE OF A OR ANY SERVICE MEMBER the boxes wont uncheck )

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
A credit card collection was send to my XXXX credit report by LVNV Funding LLC from XXXX XXXX XXXX XXXX  for {$680.00} I found the collection company number on my XXXX report and I called and spoke to a representative on Saturday XXXX  requesting an explanation, but the representative couldnt give any because she couldnt find a file with my information social security or phone number therefore she told me to contact XXXX and I did on Monday XXXX the representative advised me to follow the present report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 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: UT

Complaint narrative:
1. On XX/XX/XXXX, WELLS FARGO BANK NA DIL  add a hard inquiry on my credit report per XXXX.

2. On XX/XX/XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX.

3. On XX/XX/XXXX, XXXX XXXX add a hard inquiry on my credit report per 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 2020-11-16 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: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I lost my wallet in XXXX, Ga ( XXXX XXXX ) in XXXX, and a couple of years later I began receiving calls about delinquent accounts which I had no responsibility for. So I filed a police report in XXXX County Georgia in XXXX Case # XXXX. After submitting the police report to all the creditors who had been contacting me it seemed all was corrected and updated except with a collection agency who every year renewed a collection to my XXXX credit report. I've contacted them and explained the account isn't mine and requested that they send anything whereby I'd signed and obligated myself to the collection account only not to receive anything. The collection company has submitted copies of payment schedules, but no legitimate copy of any kind whereby I've signed to obligate myself to the account in question. The collection company name is Portfolio Recovery Associates, however, it appears that the company has used several versions of names over the years perhaps in order to resubmit the collection account. I've since learned that the attorney general 's office claims that the Virginia-based company Portfolio Recovery Associates violated the state 's consumer protection laws. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 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: DISCOVER BANK
State: PA

Complaint narrative:
I have asked for this account to be validated multiple times, All i ever received wa the letter i attached below ... ..I was never sent a copy of my wet signature signed contract ... The amount due on the document Discover sent to me does not match the amount of the balance on a my credit report says how can they claim that they investigated this properly and that it is reporting 100 % accurately? I have attached a few of the letters that i have sent all 3 credit bureaus as well as the letters i directly sent discover via usps ... ..i have also attached a copy of my credit report with multiple differences reporting between the 3 bureaus and multiple violations in the reporting..this account has been re-aged, how are they reporting a credit limit on a charged off account? the high credit limits dont match, date of last payment does not match and im sure there are more that i do not know about ....

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Hello, this is an update to the existing complaint XXXX. 
Currently Chase is forcing me to take a check as opposed to the ACH. They can not make it work ... See past claims. 
Now ... they are working on a check ... i really dont want to go to deposit it once i receive it .... 
Worst Part, they have changed my mailing address to a place i do not reside at. ( USPS apparently gave them the incorrect address ... but who asked? ) no idea where the check is at, and Chase is not cooperating. 
This is theft for {$4200.00}. 
There is no mistake about this. THEFT

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-16 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: ALLY FINANCIAL INC.
State: UT

Complaint narrative:
1. On XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
2. On XX/XX/XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
3. On XX/XX/XXXX, ALLY FINANCIAL add a hard inquiry on my credit report per 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 2020-11-16 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: COMMUNITY FINANCIAL SYSTEM, INC.
State: NY

Complaint narrative:
Community Bank N.A. is improperly and impermissibly reporting an account to the XXXX, XXXX and XXXX consumer as a " paid repossession '' when this is not the case. Moreover, the account has been reported twice to each of the agencies and has an inaccurate payment history - some with delinquencies reporting as late as XX/XX/2020. Complaints to the creditor and the credit reporting agencies have been ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 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: Global Lending Services LLC
State: UT

Complaint narrative:
1. On XX/XX/2020, GLOBAL LENDING SERVI add a hard inquiriy on my credit report per XXXX. 
2. On XX/XX/2020, XXXX XXXX XXXX XXXX  add a hard inquiriy on my credit report per XXXX. 
3. On XX/XX/2020, XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I recently opened a account with suntrust Bank on XX/XX/XXXX it was closed on XX/XX/XXXX with {$1100.00} as my balance its been over a week and the bank keeps telling me that its in the process of closing but other than adding money I did no activities on the account.i am on the verge of losing my place and employment because I can not pay my rent that was my rent money.i expressed this over and over to numerous representatives and all they can say is they don't know when it'll be done.i need a hold lifted or something because I did business with them with good faith and now im being XXXX over because I trusted this bank..please 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 2020-11-16 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: NY

Complaint narrative:
XX/XX/XXXX is improperly and impermissibly reporting an account to the XXXX, XXXX and TransUnion consumer as a " paid repossession '' when this is not the case. Moreover, the account has been reported twice to each of the agencies and has an inaccurate payment history - some with delinquencies reporting as late as XX/XX/2020. Complaints to the creditor and the credit reporting agencies have been ignored.

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 2020-11-16 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: NY

Complaint narrative:
XXXX XXXX XXXX. is improperly and impermissibly reporting an account to the Equifax, XXXX and XXXX consumer as a " paid repossession '' when this is not the case. Moreover, the account has been reported twice to each of the agencies and has an inaccurate payment history - some with delinquencies reporting as late as XX/XX/2020. Complaints to the creditor and the credit reporting agencies have been ignored.

Company response to consumer: Closed with explanation