vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Agency of Credit Control
State: CO

Complaint narrative:
I am writing in regards to the continued scam your company formerly know as XXXX XXXX XXXX agency is running With XXXX XXXX of XXXX XXXX XXXX. I will be reporting you to the Colorado attorney Generals office. This is harassment. I have more emails of proof I will be sending. People keep telling me this has been taken care of, those of which include XXXX XXXX Of XXXX XXXX where I lived for 6 years and paid for parking every month on time to XXXX XXXX of XXXX XXXX XXXX. Then XXXX XXXX of XXXX XXXX XXXX company, who said he was not allowed by law to respond via email but called me on XX/XX/2020 at XXXX, and also told me this will be taken care of and not reported to any collection agency. Below is an email correspondence with XXXX of XXXX XXXX, saying the parking violation in which I paid {$95.00} per month for almost 6 years was taken care of by XXXX XXXX of XXXX XXXX XXXX. I received a violation for not having my parking tag displayed. XXXX had stapled a paper over my parking tag for the month of XXXX, I never saw the parking tag hence why I did not have it displayed, ( first time in almost 6 years ) regardless I was paid in full for parking at my residence located at XXXX XXXX XXXX XXXX XXXX, co XXXX. Your agency now called agency of Credit control , inc. and the fact that XXXX of Agency of Credit Control , inc. couldnt tell me even what this is regarding, while I know what it is because this has been going on for way too long. How can a company send a letter requesting money from me when they have no idea what it is regarding? This is clearly trying to reopen cases, this is fraud. I ask that you stop harassing me immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 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: NV

Complaint narrative:
The following accounts should not be on my credit file, simply because they're not mines. Those particular accounts derived from identity theft. Please remove the following 1 ) XXXX XXXX XXXX  2 ) 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 2020-07-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
On XX/XX/XXXX I notified XXXX that they were no longer authorized to request a debit to my Paypal account. On XX/XX/XXXX I spoke with Paypal and informed them the XXXX was no longer authorized to request any amount in the form of a debit and/or refund from my account. Paypal then cancelled ALL agreements I made with their company authorizing XXXX to withdrawal from my Paypal account. After this, Paypal continued to honor ebay request. I filed 17 complaints with Paypal requesting to be reimbursed for the amount that again they was not authorized to sent to XXXX, Paypal then credit my account. 3 days later, Paypal reversed all the credits and placed my account into a negative {$970.00}. I am request a immediate refund an credit for ALL funds Paypal sent to XXXX after XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P.
State: FL

Complaint narrative:
I do not have debt at all.i do not owe nobody nothing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 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: Sensible Auto Lending, LLC
State: MA

Complaint narrative:
This account is being reported inaccurately and incorrectly on my credit report. I see multiple 30 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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 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: WI

Complaint narrative:
On XX/XX/2019 an application was ran in my name at XXXX XXXX   XXXX in error, without my knowledge of consent. As a result SEVERAL authorized inquiries appeared on my credit report age Ive had XXXX getting the inquiries removed. Ive reaches out to the companies individually and Equifax to fix the issue. They give me the run around instead of really investigating the problem. XXXX XXXX   XXXX has written letters to the credit bureaus as well to have them removed. XXXX  as in XXXX XXXX XXXX XXXX is actually listed on the letter enclosed however neither XXXX  XXXX nor Equifax has complied with the request. XXXX XXXX XXXX is another inquiry from the XXXX incident but did not appear on my XXXX  report so its not listed on the XXXX  letter, however Equifax received a letter directly from XXXX with XXXX XXXX XXXX included. Ive reached out to XXXX and Equifax about this issue as well, no compliance! I have also never done business with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Conn's, Inc.
State: NC

Complaint narrative:
I started an account with a company called Conns. I purchased a lease to buy couch and a stove.i had been paying for over a year and a half. The stove was payed for threw the insurance payed for in full with an additional XXXX dollars added to claim payment. The couch has been more than payed for threw the payments made. I believe the purchase was made in XX/XX/2018 starting balance XXXX The couch was XXXX. XXXX The stove was XXXX. They currently saying I owe XXXX I do not owe them any more money. I was over charged. Robbed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 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: NY

Complaint narrative:
I have been in contact with XXXX and Capital one, as our account with XXXX was closed/terminated by the company, and Capital One is refusing in assisting in the collection of funds paid for a voucher, which I was unable to use or access. 

Furthermore, two Items returned inside one box with XXXX, and XXXX agreed to refund for both items, and have issued credits " bucks '' ( as shown in pdf attached with title " 2 '' attached ) - however that day the account with XXXX was closed by XXXX, and I have not been able to access such funds. On an email from XXXX and attached titled " 5 '' it states that the Terms were violated, as a reason for the closure, however, I never clarified exactly what specifically was this, and over the phone, XXXX assure me that are refunds were issued to Capital One. 

Capital One just provided one item refund, finally one transaction with XXXX was not authorized and no refunded by Capital one. 

Last communication with capital one " Case : XXXX XXXX XXXX XXXX. I have provided the same information several times, regarding the dispute with XXXX for original order : Order Details The order number for your purchase on XX/XX/2020, is XXXX. Description : XXXX XXXX XXXX XXXX : Front or Rear Brake Pad Replacement for Car Redeem with : XXXX XXXX XXXX  1 {$120.00} Subtotal : {$120.00} Discount : - {$25.00} Total : {$100.00} - Because the Location was closed and not accepting voucher from XXXX, XXXX gave me the opportunity to use the amount here in a voucher in 24h for any other deal, however, at that time, the account with XXXX was closed, which did not allow me to use it in any way. 

I believe this was caused due to the return of two items from a previous order, which I included in the same package, instead of mailing two different packages. This was a mistake on my part because I only received a refund for 1 XXXX  instead of 2 ( Case # XXXX XXXX XXXX XXXX ). 

I have taken a picture of the note and tracking number which I included in the package return to XXXX. I was told that two items were received by XXXX on chat with customer service, as they were able to confirm in the warehouse, by weight, etc, nonetheless, I only received a refund for one item apparently until now. 
Case XXXX XXXX XXXX XXXX XXXX XXXX This charge of XXXX from XXXX also, I was just told by a Capital one agent that reminded me and did not see the credit on the account. I am unaware of this transaction and requested credit as well. 
Please contact me if you require any further clarification. I was never contacted by Capital one and it is very frustrating. '' Finally, I also had XXXX and XXXX credits issued, but not accessible for same reasons as described previously.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Global Lending Services LLC
State: WA

Complaint narrative:
I have called global lending services, my auto loan company, and they admitted they misallocated a payment incorrectly in XX/XX/2020 and applied a portion of my payment to my late charge balance which it should have not done so. It should have applied my payment first to the principal and interest in accordance to fully satisfy my monthly payment. The misallocation in XXXX  left a small balance less than XXXX $ dollars carrying over and putting me more than 30 days past due on my most recent credit report for XXXX. But has the misallocation not occurred in XXXX I would have not gotten a late payment for XXXX as my XXXX payment became just due XX/XX/XXXX and I satisfied my XXXX payment on XX/XX/XXXX with a debit card payment of XXXX. I need my payment history for XXXX of 2020 to be fixed on all three bureaus because I have been working hard to avoid a 30 day late so I can rebuild my credit and now my scores have dropped more than 30 points due to this error. I have spoken to an account manager today XX/XX/XXXX And he assured me the issue will be fixed but I need to ensure this is handled ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: WLCC
State: KS

Complaint narrative:
This company is making the principal on repayment extremely small and charging a {$170.00} finance fee so that youre only paying an extremely small payment towards the original loan. Is this even legal?????

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Today I was on the phone with Citibank attempting to find out the status of our rewards for the use of the Citi-Costco card, there were more than {$600.00} dollars that we were entitled to during 2019. I was told that because my wife had given up her card the rewards were forfeited! I was outrage when I heard that. I explained that I am also a Costco member and have the Citi-Costco card, I requested that the rewards be transferred to my account, I was told that that is not an option. We spent a lot of money to accumulate such an amount ( more than {$600.00} ) and  Citibank just indiscriminately decided to forfeit them, that is ludicrous and not acceptable. Citibank can not be allowed to hold a cardholders hostage by dispensing the rewards at their pleasure. The rewards are the property of the cardholder who spent the money to earn them, they are not a gift from Citibank. 

I was so enraged by Citibanks attitude that I decided to pay the owed amount of {$14000.00} on the spot. I have two other Citibank cards that I am considering closing and not ever do business with Citibank ever again. I want you to know that if that is your policy, it is completely wrong! My wife and I charged thousands of dollars on the Citi-Costco card with the intent of getting a respectable sum in return and its disgraceful that Citibank can just decide to forfeit more than {$600.00} of my money. My wife was NEVER told that she would lose the rewards if the account was closed. Other credit companies allow cardholders to either cash or transfer their rewards to other rewards programs but according to the employee I talked to Citibank doesnt do that!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have continuously disputed XXXX XXXX XXXX XXXX on my TransUnion report. I have provided sufficient documentation over the course of several months as well as a police report. 
This account that you are reporting does not even bare my name, but a name that is possibly similar to mine. 

TransUnion continues to report this account on my report that does not belong to me and has not been properly investigated nor deleted.

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 2020-07-01 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: CA

Complaint narrative:
In spite of a XXXX XXXX monthly payment, this loan balance never decreased. I experienced a reduction in income and could not afford the payments so I signed up with a credit counseling agency. There was no resolve to the issue and Ive been behind ever since. This loan opened XX/XX/2018 total amount borrowed was {$3500.00}. Today the balance reported on my credit file is {$10000.00}. It has almost tripled. How can I ever pay this off. In the meantime it is killing my credit. I have disputed the information to no avail. I dont know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I've been dealing with this issue now since XXXX & have yet to receive a resolution. i filed a dispute with all 3 credit bureaus in regards to 3 late payments on my XXXX  XXXX account. XXXX  did not respond within their 30 day time frame so all 3 bureaus deleted my healthy tradeline that i had for 4 years & have paid off to a zero balance. I have spoke to XXXX XXXX executive office who claims that they are working to fix the issue & it has been months & there is still no resolution, XXXX XXXX is fully aware that a resert needs to be submitted to all 3 bureaus so my account can start reporting again. this is my last resort i made a complaint with CFPB over a month ago & the FTC & they was instructed of what to do & nothing had been done.

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 2020-07-01 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: United PanAm Financial Corp.
State: NC

Complaint narrative:
the vehicle previously purchased was an XXXX XXXX  XXXX that was identified as a lemon vehicle!! took the vehicle over to XXXX XXXX to repair the engine sensor code, that kept coming on on the XXXX, XXXX, and the XXXX of each month the vehicle would shut down for no reason? until, later it was discovered that gps locator device was installed from an previous owner who had defaulted on vehicle before my purchase. i went back to auto dealer to explain why this information was not disclosed ; and i verbally abused and insulted too the point were the gentleman threaten to have me removed from the premises and i needed to take the vehicle over to XXXX XXXX XXXX which has since changed names from the original complaint submitted XXXX ago. this, blemish is still on my credit report negatively, which is a lie ; the vehicle was turnovered as granted by a federal judge from XXXX county ; which allowed me to walk away from vehicle with a loss for no credit would be given to either party as for the verdict which i agreed that the vehicle was also part of the massive recall on takeda airbags which also continue to trigger a faulty code warning for XXXX sensor and XXXX alert for bag indication on dash panel. the total value also was inflated by $ XXXX meaning the vehicle was only worth {$5000.00} according to XXXX  and this former company put on the credit report vehicle was repo when it was not!!! another white lie. and still put {$3700.00} on credit report negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 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: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
Seturus Inc. continues to report negative information to the credit reporting agencies despite the court issued documents that show the debt was paid during the 5 year plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
PNC is not allowing transfer of funds to a third party savings account, XXXX XXXX. They are not allowing me to save for my future the way that I choose.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I've been dealing with this issue now since XXXX & have yet to receive a resolution. i filed a dispute with all 3 credit bureaus in regards to 3 late payments on my XXXX  XXXX account. XXXX  did not respond within their 30 day time frame so all 3 bureaus deleted my healthy tradeline that i had for 4 years & have paid off to a zero balance. I have spoke to XXXX  XXXX executive office who claims that they are working to fix the issue & it has been months & there is still no resolution, XXXX XXXX is fully aware that a resert needs to be submitted to all 3 bureaus so my account can start reporting again. this is my last resort i made a complaint with CFPB over a month ago & the FTC & they was instructed of what to do & nothing had been done.

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 2020-07-01 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: NY

Complaint narrative:
I've been dealing with this issue now since XXXX & have yet to receive a resolution. i filed a dispute with all 3 credit bureaus in regards to 3 late payments on my XXXX  XXXX account. XXXX  did not respond within their 30 day time frame so all 3 bureaus deleted my healthy tradeline that i had for 4 years & have paid off to a XXXX  balance. I have spoke to XXXX  XXXX executive office who claims that they are working to fix the issue & it has been months & there is still no resolution, XXXX XXXX is fully aware that a resert needs to be submitted to all 3 bureaus so my account can start reporting again. this is my last resort i made a complaint with CFPB over a month ago & the FTC & they was instructed of what to do & nothing had been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have repeatedly disputed XXXX dismissed bankruptcies, that do not belong to me on my Equifax credit report. I asked Equifax how and who they were verifying this information with because the XXXX Bankruptcy court does not verify anything with credit bureaus. Equifax said that they are verifying this information with XXXX XXXX, which is a third party vendor, not the creditor. The FCRA requires credit reporting agencies such as Equifax to verify account information directly with the creditor, not a third party vendor. I contacted XXXX XXXX about these bankruptcies and they wrote me a letter back stating that they had no bankruptcy information under my name and social security number. So i would like to know how is Equifax verifying information about me but XXXX XXXX says they have no information for any bankruptcies in my name? Equifax is reporting inaccurate information on my credit report and that is illegal and violating my rights under the FCRA.

Company response to consumer: Closed with explanation