vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-10 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:
Dear CFPB, I am XXXX XXXX born and raised in Alabama and I have lived here all my life. Someone is using my identity in XXXX XXXX Nevada. Please see attached information. These addresses on my credit file are not mine and no way affiliated with me please remove ASAP from all 3 credit Bureaus. 
XXXX XXXX XXXX XXXX, Nevada XXXX XXXX XXXX XXXX XXXX, Nevada XXXX XXXX XXXX XXXX XXXX. Nevada XXXX XXXX XXXX XXXX XXXX, Nevada XXXX XXXX XXXX XXXX XXXX, Nevada XXXX XXXX XXXX XXXX XXXX XXXX, Nevada I have uploaded over XXXX years of Alabama XXXX state Drivers license and state ID as well as my Alabama XXXX food stamp card and a piece of mail Someone has stolen my identity and using it in XXXX XXXX XXXX Nevada I received a email awhile back that my information was found in a credit breech or some type of breech with XXXX and XXXX and I didn't understand what it meant until I went to apply for the XXXX Senior Living and found out someone has been using my identity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
i applied for auto loan at Bank of America where I have accounts for 15 years, i recieved approval email in XX/XX/2021 XXXX. when i got the approval i went car shopping for used car. i checked the Bank affiliated dealerships i found out they are offering used cars way more than its market value. i did informed the agent at the bank and she said if the dealership is not affiliated with the bank the interest will be more from 2.59 % to 3.09 % i said ok. i found couple of cars and the bank ( client specialist : XXXX XXXX ) asked for proof of income and address, emails back and forth i told her im XXXX XXXX i receive XXXX and she still sent me emails asking about w2 or paystub, i provided the proof of income and the address i had to change it on my bank statement and other bills that i can get because all was paperless ( all online ) so i didn't bother to change it from XXXX  to XXXX  i live in shared house no bills on my name and had address a postal service to make sure i get my mail ( all explained to lady who started the loan process and documented it ). i moved to XXXX and work in XXXX. some cars were sold so i went to MA and saw a car and put deposit {$500.00} to guarantee i get it. Supervisor XXXX XXXX ( assistant vice president client specialist ) who communicated with me and said bank statements or bills have to be 2 months then later she said we can take your driver license as proof of address if it has your physical address. i went ahead and changed the license after labor day and dealership where i put deposit informed me that they sold the car because i didn't finish the deal as in purchase order. then i sent the License to ( both XXXX and XXXX ) they kept me another day and XXXX called me to say we can not give you the loan because the license just changed now. 
everything i explained to them on the phone that i moved from ny to nj and was planning to get back to ny as my financial situation getting better and after all the runaround they told me no, wasting money and time. this is clear incident of discrimination .i have very good credit score ( attached ) and paid a lot of my cards not like many people after covid still struggling. i m dealing with the bank and they saw all my income for years. if they turn blind eye to all of this this is clear matter of discrimination may be if my first name was different i would have got the {$17000.00} loan. WHY In the beginning they give me approval and made me shop for car ... .its clear the underwriter saw name and didn't like it I printed all communication ( emails )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 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

Complaint narrative:
I am really hoping you can help me, last XX/XX/2021, Paypal sent me an email informing me that they are permanently ceased me from using my paypal account and the funds on my account will be on hold for XXXX, they said that they will make my money available for me on or before XX/XX/2021 and they will inform me thru my email, yet they haven't sent me an email on how i can get my money back and i have sent them an email 3 times now, but there were no response from them. Its been very frustating for me for Paypal to hold my money for such a long time especially with the current situation ( pandemic ) still i patiently waited for the date they said my money would be available but no response from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 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: GA

Complaint narrative:
TransUnion is reporting XXXX credit incorrectly. I have tried several times to correct the issue. XXXX of 2019 was not late but it is being listed as 30 days late XX/XX/2019 is showing 60 days late when it was in fact not 60 days XXXX 2019 is also incorrect. It is showing 90 days late and it is incorrect. Please permanently remove negative pay status because it is incorrext.i have submitted this on numerous occasions and it has not been resolved. Please provide payment evidence from 2019 supporting this information that helped you in making this decision.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I am on the account as authorized. I have never used this account and the account holder and I have requested multiple times for me to be removed. The company has not done so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-10 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: Carvana Group, LLC
State: NJ

Complaint narrative:
In XXXX of 2021, I purchased a used vehicle through Carvana within a day the car 's engine light came on. I choose another vehicle BUT though the 2nd car was comparable in make, model and price Caravan wanted times more the down payment I had already paid. Ultimately, days passed and the 2nd car deal fell through. When I went to have the vehicle repaired I was informed I was in a " rebuild process '' that could take 0 days to " rebuild '' the original contracts. 

However, on XX/XX/XXXX my granddaughter and I were caught in a flashflood that totaled the vehicle. My car insurance quickly completed their process and paid the car off. However, Carvana and its affiliated finance company DID NOT. I have had to file several complaints with the XXXX  to get Caravan to complete the " rebuild " process. Likewise, I had to file a XXXX  compliant to get XXXX to apply the checks to my account which they applied XXXX BUT removed XXXX XXXX, for reasons unknown to me. AND, today, XXXX added a negative rating on my credit report for the full amount of the loan to a vehicle that has been paid off. Additionally, my GAP insurance company is waiting for Caravan and XXXX to supply them with documentation to complete their process. 

These people have made a horror situation worst by lack of transparency and competency and I believe they are predatory lenders harassing me for a vehicle that they know was deemed a total loss from a natural occurrence. PLEASE HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 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: Bridgecrest Acceptance Corporation
State: NJ

Complaint narrative:
In XXXX of 2021, I purchased a used vehicle through XXXX within a day the car 's engine light came on. I choose another vehicle BUT though the 2nd car was comparable in make, model and price XXXX  wanted times more the down payment I had already paid. Ultimately, days passed and the 2nd car deal fell through. When I went to have the vehicle repaired I was informed I was in a " rebuild process '' that could take 0 days to " rebuild '' the original contracts. 

However, on XX/XX/XXXX my granddaughter and I were caught in a flashflood that totaled the vehicle. My car insurance quickly completed their process and paid the car off. However, XXXX and its affiliated finance company DID NOT. I have had to file several complaints with the XXXX  to get XXXX to complete the " rebuild " process. Likewise, I had to file a XXXX  compliant to get Bridgecrest to apply the checks to my account which they applied XXXX BUT removed XXXX XXXX, for reasons unknown to me. AND, today, Bridgecrest added a negative rating on my credit report for the full amount of the loan to a vehicle that has been paid off. Additionally, my GAP insurance company is waiting for XXXX and Bridgecrest to supply them with documentation to complete their process. 

These people have made a horror situation worst by lack of transparency and competency and I believe they are predatory lenders harassing me for a vehicle that they know was deemed a total loss from a natural occurrence. PLEASE HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Alabama Housing Finance Authority
State: AL

Complaint narrative:
I applied for Covid related mortgage assistance through Mortgage Assistance Alabama on XX/XX/XXXX. I received a postcard from them in the mail on XX/XX/XXXX, stating that XXXX customers were able to apply for mortgage assistance if they had been unemployed after XX/XX/XXXX. I had been let go in XX/XX/XXXX and had been receiving unemployment benefits until Alabama ended benefits in XXXX. Since then I have had no income. I have submitted, then resubmitted forms. I have been instructed to sign forms regarding income and pay that are NOT mine ( pay or income ), and when I asked the processing agent ( XXXX ) why would I need to sign off on forms that don't even have my name on them? I was told that was what underwriting wants ( XX/XX/XXXX, @ XXXX XXXX  ). I struggle with why underwriting would require that. 

Today, XX/XX/XXXX, I was also told, on my call for clarity about what needed to be redone today, to complete a statement stating that I am not required to file a tax return. I am and do file taxes. I asked, " why would I do that? '' To which there was no immediate answer. I did not get the agent 's name, said she would need to send an email to someone to get more information and for me to wait for a reply. 

I have, so far, been able to make the mortgage, but my savings are depleted, and soon late fees and credit hits will happen because I'm still completing/re-completing and re-signing forms as the XXXX of the month and its grace period rapidly approach and we are late! 

The entire ordeal seems like a huge run-around and a way to avoid disbursing aid to needy taxpayers while pretending to try. It feels as though there is a hope that I will either give up or purger myself and therefore disqualify and legally harm myself. I have been printing, signing, scanning, and running to print shops in order to complete this never-ending application for aid for 10 days now. No application for help should require 10+ days and unending money for scanning and printing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
I was denied for an auto loan based on the worthiness of my consumer credit report. I find no respect, fairness, or accuracy of this denial!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
improper use of my credit report. Sharing false information about 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 explanation
Consumer complaint received 2021-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
improper use of my credit report. Sharing false information about me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 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: GA

Complaint narrative:
In XX/XX/2020 an agreement was made with XXXX XXXX to catch my account up. The agreement was that I would no longer he e a delinquent status if I agreed to lay XXXX by the end of each month on XX/XX/XXXX of 2020 XXXX was paid. The delinquencies on this account should have been removed before XX/XX/2020 dating back to when the delinquency began. Request that the new agreement allowing XXXX payments be provided. My payments starting in XXXX and continuing up to this day need to be honored. I have disputed this Numerous times with no success

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 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: GA

Complaint narrative:
In XX/XX/2020 an agreement was made with XXXX XXXX to catch my account up. The agreement was that I would no longer he e a delinquent status if I agreed to lay XXXX by the end of each month on XX/XX/XXXX of 2020 XXXX was paid. The delinquencies on this account should have been removed before XX/XX/2020 dating back to when the delinquency began. Request that the new agreement allowing XXXX payments be provided. My payments starting in XXXX and continuing up to this day need to be honored. I have disputed this Numerous times with no success

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
unauthorized 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 2021-09-10 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: GA

Complaint narrative:
In XX/XX/2020 an agreement was made with XXXX XXXX to catch my account up. The agreement was that I would no longer he XXXX a delinquent status if I agreed to lay XXXX by the end of each month on XX/XX/XXXX of 2020 XXXX was paid. The delinquencies on this account should have been removed before XX/XX/2020 dating back to when the delinquency began. Request that the new agreement allowing XXXX payments be provided. My payments starting in XXXX and continuing up to this day need to be honored. I have disputed this Numerous times with no success

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 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: NV

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XX/XX/2021 : I had my Mortgage Lender pull my credit score from Equifax - Lender told me my account may be frozen. I called Equifax ( XXXX ) regarding possible credit freeze on myself. I mentioned that the mortgage lender could not pull my credit score and would like to unfreeze it. The representative asked my social security number, address, birthdate to provemy identity ; however he could not pull my file. Equifax representative told me to fax proof of identity ( social security card and driver 's license ) with cover letter. As told by the representative, I faxed my documents to Equifax ( XXXX ). 

I am in the process of buying a house and I would need to clear this issue in order to get my loan ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: ID

Complaint narrative:
Tried numerous amount of times that I disputed on XXXX XXXX and XXXX that Midland debt company that says I still owe on XXXX XXXX credit card. I have proof from XXXX XXXX XXXX that I mailed to dispute center for midland. I have bank statement too. I have a second copy that debt was paid in full yet midland says otherwise but yet has not done anything more to tell me what else to do or besides the debt I already paid and dont owe anymore and has yet to give me information besides send to dispute center mail. Which I did. I havent even received calls from Midland anymore trying to collect either.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have been having and on going dispute with capital one from XXXX XXXX XXXX XXXX XXXX for the amount of XXXX as of XX/XX/XXXX capital one once again rebilled me they have been telling me the case is closed for the dispute and capital one even gave me a permanent credit of XXXX but once again took that permanent credit away from me again this is my second complaint I'm making to consumer financial protection bureau capital one are liars and are once again trying to rip me off instead of going after the merchant from XXXX XXXX I already returned my merchandise back to the merchant and capital closed this dispute but some how reopened it and they are trying to get XXXX out of me when they promised me the case was closed in my favor they told me verbally and in a letter my dispute was closed in my favor my case number from capital one is XXXX I also showed capital one proof that I returned the item back to the seller and with proof of tracking to capital one but yet capital one is still coming after me after they closed my case I've also attached the package with tracking number showing I returned the item back to the merchant I was told from the merchant that they had received the item back in there wearhouse and that it would take a month for them to process the refund the merchant I think is and overseas and fraud company I read reviews about full beauty brands and they have one thousand complaints from consumers like myself that all have gotten ripped of from this company one the XXXX XXXX XXXX website I even told capital one about the company and they said no problem we are going to fix it and give you a permanent credit and close your case they did but capital actually lied to me and didn't keep there word and instead rebilled me once again I didn't know they can do that since they considered the case closed in my favor I refuse to pay this bill since they promised me the case was closed this is unfair to me as a consumer I have never been late on any of my credit cards and I'm a good customer I feel I was treated unfairly by capital one

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: UPGRADE, INC.
State: FL

Complaint narrative:
Recently I contacted XXXX XXXX because there was an XXXX inquiry I did not authorize. During the dispute process XXXX XXXX Accidentally disputed Upgrade a Inquiry causing Upgrade to suspend my lines of credit. Please be advised that this was an error on XXXX XXXX and I am not disputing any of my upgrade accounts in fact I would like my lines of credit reinstated as you can see I have made payments on both lines of credit and credit you have my verified information During the application process. Please remove my account from the dispute department as this account these accounts are not fraud they are valid and I would like the reinstated.

Company response to consumer: Closed with explanation