vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-03 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: GA

Complaint narrative:
There is a discrepancy in my personal credit report ( s ) that is in violation of my consumer rights. Please permanently delete and block the below account from my XXXX, EQUIFAX, and XXXX  credit report ( s ). This account is fraudulent and unverifiable. 

XXXX XXXX XXXX This account is unverifiable, fraudulent, and is violation of my consumer rights. Requesting to permanently remove this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: WA

Complaint narrative:
XXXX transferred my mortgage in the middle of a payoff. I have an open complaint against XXXX for them creating a shortage, not posting my payoff, then taking 15 days to get funds to SPS, the new servicer. This complaint is on SPS. 

On XXXX, SPS was to take over servicing of my mortgage. However, on XX/XX/XXXX, it was paid off by XXXX XXXX. I was due an escrow refund of around {$3000.00}. SPS did not board the loan to their system until XXXX and did not process the payoff until sometime in XXXX when XXXX XXXX finally got them straight on what happened. In the meantime, XXXX XXXX issued the refund on the double payment of taxes to XXXX, who instead of sending it to me sent it to SPS. SPS has yet to issue a refund to me despite XXXX XXXX even paying them a {$300.00} 'shortage ' created by XXXX initial fumbling of the payoff. 

It is now XX/XX/XXXX, over two months since payoff and I have still not got my refund. In addition, SPS servicing reported this as a 'new ' account on my credit reports which has caused my insurance score to drop for the recent 'addition ' of a new account. The balance is XXXX  now, but apparently this isn't taken into consideration. 

This whole thing is a giant mess and I'd like help reporting this to all legal entities who should be aware of the shoddy practices these two servicers are engaged in.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
In reference to the multiple letters sent, I am disputing the total charges due to the fact that Hyundai Motor Finance is unethically conducting business. I paid {$600.00} to Hyundai Motor Finance. Also, the third-party insurance was sold to me by your authorized XXXX  Dealership and again the money was collected by Hyundai Motor Finance. We paid all monthly lease term payments on time, which is evident that we are orderly and organized when it comes to payments. Once I returned the car, I called Hyundai Motor Finance to receive an inspection kit, in order to file a claim with XXXX XXXX XXXX XXXX. We also forwarded the email to the insurance company on XX/XX/2020. 
Call Log : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ( XXXXXXXX XXXX  ) to XXXX XX/XX/XXXX ( XXXX XXXX ) to XXXX XX/XX/XXXX ( XXXX XXXX ) to XXXX XXXX Hyundai Motor Finance failed to provide the inspection kit multiple times and the reason they failed to send it was because, according to them, there was a delay because of COVID-19. In reference to the call log mentioned above, I essentially chased Hyundai Motor Finance to provide the inspection kit. I also called the insurance company but they told me I can not file a claim unless I have the kit to provide to them. Now I understand why Hyundai Motor Finance is unethically doing business because it seems like they are purposely delaying the information I need to provide the claim. According to the insurance policy, the claim has to be filed within 90 days after the car has been returned. Again, mentioned above, the car was returned on XX/XX/2020, meaning it's been six months since Ive tried to receive an inspection kit from 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 2021-01-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
I made two payments in the month of XXXX. Minimum payment due was {$300.00}, and both payments totaled {$7000.00}. 

I paid {$6900.00} on XX/XX/20, and {$100.00} on XX/XX/20. Interest was deducted from both payments instead of applying the additional payment to principle only. 

I tried to contact one main, but there are extended wait times of 30+ minutes to speak to someone. There is no email address provided. 

I also looked at my statement to try and find an email address, and not its fine print saying that if I want to make a principle only payment, its required that I call in or visit a branch to make the payment in person. If this is true, One Main Financial is intentionally making it more difficult for people to pay off their loans, with the intent of burdening people with debt so they can make a profit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: AR

Complaint narrative:
On XX/XX/XXXX I was searching the web for a set of XXXX XXXX XXXX XXXX for a XXXX XXXX and came across a website called XXXX which had them listed for {$44.00}! I went to purchase the item using PayPal to protect my credit card information. When the information on PayPal to complete the purchase was show the payee 's information was different than the information shown on the website for XXXX. Information shown on website says the owners name is XXXX XXXX but the name shown on the PayPal website is XXXX yet the email address shown for XXXX  is XXXX not the one shown on PayPal also the item is shown on PayPal as XXXX XXXX! The XXXX is shown as the the SKU number for the pickup listed on XXXX  website but on PayPal it didn't show the items as XXXX  XXXX XXXX XXXX  XXXX it showed XXXX  XXXX I did not have any idea what a XXXX  is unless it is a XXXX  knock off. I also noticed that on the XXXX website contact information there is an address shown but the street name is missing a sure sign that it was a scam site. 

Upon seeing the information on the seller shown on PayPal did not match the information on the website I closed the browser to prevent any type of down spyware or malware being downloaded to my computer. At no time did I click on anything to complete the transaction because I believe it to be a scam website! A little while later I was checking my email and found an email stating that there was a PayPal charge for the purchase. I contacted PayPal and told them I never made the purchase yet a few hours late I get a reply form PayPal stating based on my purchase history I did make the purchase, yet I have received no order conformation to show this purchase was made from anyone or company other than PayPal!! And at no time has PayPal contacted me asking for any more information or anything else just they have concluded I made the charge. I see nothing to show they contacted the business! 

I went to went to appeal this following the directions on PayPal 's website and provide screenshots of the information showing the XXXX website information is different than PayPal and there is no way to appeal it! I did send an email to PayPal concerning this including the screen shots and have heard nothing bac. Also it appears that after PayPal decided that I did make the charge they again charged my account again to the same seller for the same amount!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-03 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: FORD MOTOR CREDIT CO.
State: NY

Complaint narrative:
Ford Motor Credit Company XXXX XXXX XXXX XXXX XXXX, NE XXXX XX/XX/XXXX & XX/XX/XXXX Date Opened Company named above claims I have paid my balance late. 

Company above appear on my credit report making inaccurate derogatory remarks in violation of the Fair Credit Reporting Act. Inaccurately reporting that I paid monthly payments late. When I did not. 
This company has failed to show, what item or service I owe them for. How or what item or service was purchased or made late payment on. Who purchased the item or service under what name, address, telephone number, social security number, how was the item or service purchased via credit or debit card, cash, money order etc. or any other form of payment. 
I submit that this derogatory remark should and must be removed from my credit report based on the following : 1. above company has reported and has continued to report such derogatory remarks without a license to collect or operate in my current home state, my current address ; 2. above company has reported and has continued to report such derogatory remarks without having a signed and authorized document from me as doing business with them. Or hiring or soliciting their services or purchasing their products/items ; 3. above company has reported and has continued to report such derogatory remarks by purchasing a alleged debt I owed to another company or business/provider, without my consent ; 4. above company has reported and has continued to report such derogatory remarks without notifying me at my address or by phone to make me aware of such debt. Thus failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-03 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: VA

Complaint narrative:
I have some fraudulent inquiries on my credit : XXXX  - XXXX XXXX XXXX XXXX  XXXX XXXX-XXXX XXXX XXXX I have reached out to Equifax 4 times with zero resolution! 

My name is XXXX XXXX and I am demnading these inquires to be reomved from my credit pursuant to 605B. I have wasted 4 months trying to remove these.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: TX

Complaint narrative:
On XX/XX/2020 we signed the paperwork to accept the Loan Modification conditions that Fay Servicing gave us. We were to make 4 trial payments of {$840.00} starting XX/XX/2020 til XX/XX/2020. We completed these payments but have yet to get the final paperwork for the modification to be complete. Fay Servicing is aware of this, but they continue to send me hairdressing letters about foreclosing on our home. 

I can not make payment by their automated system I have to talk to a representative and each time I have to go through the whole process because the person on the phone thinks my mortgage is in default. This is continuing to ruin our credit and all we hear is the paper work is being prepared. 6 months is a long time to wait on paperwork. I am wanting this completed and our credit to reflex our timely payments. I email and call frequently but get the same story " they are working on it ''. 

We just had our roof replaced so now they are going to have the insurance check to hold, and I read if the mortgage is behind they don't have to release it, the work has been done and the roofers need to get the final payment. I want this corrected and fixed so we don't some how lose our home, we have done our part now Fay Servicing needs to do theirs.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: U.S. BANCORP
State: OH

Complaint narrative:
I received, by USPS mail, a credit card that I did not request. When I called the phone number on the credit card to complain about the issue, I could not bypass the credit card activation process. I did not request this card and do not want it, and do not appreciate a solitation for a credit card that I can not decline. 

The card was received from USbank thru the USPS mail servce on Saturday, XX/XX/2011.

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 2021-01-03 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: CBC Companies, Inc.
State: VA

Complaint narrative:
I have some fraudulent inquiries on my credit : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX I have reached out to XXXX  4 times with zero resolution! 

My name is XXXX XXXX and I am demnading these inquires to be reomved from my credit pursuant to 605B. I have wasted 4 months trying to remove these.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-03 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: ID Analytics, Inc.
State: VA

Complaint narrative:
I have some fraudulent inquiries on my credit : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX I have reached out to XXXX  4 times with zero resolution! 

My name is XXXX XXXX and I am demnading these inquires to be reomved from my credit pursuant to 605B. I have wasted 4 months trying to remove these.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: MN

Complaint narrative:
CoinBase XXXX my account when I had money in it, and I have been unable to access it since. They don't have customer support, so I can not talk to anyone to get access back. I just want to access my funds that I already deposited.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-03 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
JP Morgan Chase Bank JPMCB CARD XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, DE XXXX TEL : XXXX Company named above claims as a creditor on my credit report. 

Company above appear on my credit report making inaccurate derogatory remarks in violation of the Fair Credit Reporting Act. Inaccurately reporting that I am in collections, but fails to state the amount or what reason that I am in collections This company has failed to show, what item or service I owe them for. How or what item or service was purchased and not paid for. Who purchased the item or service under what name, address, telephone number, social security number, how was the item or service purchased via credit or debit card, cash, money order etc. or any other form of payment. 
I submit that this derogatory remark should and must be removed from my credit report based on the following : 1. above company has reported and has continued to report such derogatory remarks beyond the statue of limitation ; 2. above company has reported and has continued to report such derogatory remarks without a license to collect or operate in my current home state, my current address ; 3. above company has reported and has continued to report such derogatory remarks without having a signed and authorized document from me as doing business with them. Or hiring or soliciting their services or purchasing their products/items ; 4. above company has reported and has continued to report such derogatory remarks by purchasing a alleged debt I owed to another company or business/provider, without my consent ; 5. above company has reported and has continued to report such derogatory remarks without notifying me at my address or by phone to make me aware of such debt. Thus failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-03 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: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
Debt was sent to collections without being informed of balance being due

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
In XX/XX/2019 I disputed this account as not mine and asked the company to send me verification information that it was my debt including my signature. The common sent back a letter attempting to " settle '' on an account that is not mine. I am sending the same information to them in writing certified that I am sending to you. This debt must be removed from XXXX, XXXX  and XXXX  immediately.

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 2021-01-03 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: AZ

Complaint narrative:
I have had account with a debt company that had a judgment that was paid in full and the XXXX  is still reporting as not paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This is my Final Notice to Experian on incorrect Names spelling and addresses. 

My Name is XXXX XXXX XXXX and I have attached proof. Any other variations must be removed. 

My addresses for last 20 years has been the same. XXXX XXXX XXXX XXXX PA XXXX. 
proof is attached. 

All other addresses must be removed.

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 2021-01-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Mercedes Benz Financial Services
State: GA

Complaint narrative:
Mercedes Benz and XXXX XXXX has denied our private International right to contract by denying our promissory note!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-03 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: NC

Complaint narrative:
To Whom It May Concern : I am writing to correct my personal information on file with your company. 

Please correct my address to : XXXX XXXX XXXX XXXX, XXXX, NC XXXX Please correct my name to : XXXX XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX My only employer is : XXXX I do not wish to have any telephone numbers on my report. 

Please remove all the other addresses from my report, as they are not deliverable to me by the U.S.P.S., and they are not reportable as per the FCRA, since they are inaccurate. I have sent this to Experian, XXXX, and XXXX  several times and they are still reporting inaccurate addresses. 

Sincerely, XXXX 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 2021-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Please remove any variation of my name that are not XXXX XXXX XXXX I have attached my birth certificate. 


Please remove any addresses that are not XXXX XXXX XXXX XXXX PA XXXX. 

I have attached my Drivers License.

Company response to consumer: Closed with explanation