vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: General Motors Financial Company, Inc.
State: NM

Complaint narrative:
GM Financial hold payoffs for a few days after receiving them and then finds reason to send back the payoffs to other companies that customers have refinanced with so that they can have more interest income. They are stealing from their customers and it is unethical and they need to be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
In XX/XX/2020 I made a {$1400.00} instant transfer by my Venmo account to my XXXX XXXX account. They promised money will reach my account in 30 minutes but passed 24 hours and money wasnt in there. 
I called Venmo and opened a dispute and they send me in couple hours a transaction ID number that I could call my bank and find where the money was. I called my bank and they said with that number wasnt possible find any transaction by Venmo to my account. 
I called Venmo again and they said the transaction was completely successful and my dispute was denied. I called again and they said for another kind of tracking number I need to reach a XXXX XXXX  branch manager, get a official letter and send to Venmo. 
I made a lot of transfer before and I know all my account information is correctly. I understand this problem isnt my business and a issue between Venmo and XXXX XXXX. It was a 6 days ago and I still without my money and I can be overdraft if that money doesnt show up asap. Unfortunately I cant waste my time calling everyday and going to the bank to solve this once I tried and I figured out I can do anything more.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The accounts I had nothing to do with

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 2020-03-10 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Back in XXXX  I was a victim of identity theft. I've contact this company multiple times threw the credit bureau concerning this matter but I'm getting no where. The company continuously respond stating that this is my debt when I'm explaining that I've never had a credit card with this company. Someone stole my information and apparently opened up an account in my name, I never benefited from it in any way. I've also requested documents or anything that they have, proving that this is in fact my debt and I've received nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am requesting that Experian, send me the method of verification as well as court copy of this bankruptcy. they refuse to reinvestigate this bankruptcy date and amount

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 2020-03-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
please remove fraudulent accounts

XXXX XXXX XXXX 
open date XX/XX/XXXX

XXXX XXXX XXXX   
XX/XX/XXXX

XXXX XXXX XXXX 
XX/XX/XXXX
XXXX XXXX XXXX 
XX/XX/XXXX

XXXX XXXX XXXX 
open date XX/XX/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 2020-03-10 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: CA

Complaint narrative:
please remove fraudulent accounts

XXXX XXXX XXXX 
open date XX/XX/XXXX

XXXX XXXX XXXX   
XX/XX/XXXX

XXXX XXXX XXXXXX/XX/XXXX
XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX  open date 01/24/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, NJ XXXX XXXX : XXXX / DOB : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX USA To whom it may concern : This letter is in response to your recent claim that XXXX XXXX XXXX  has verified that I have an unpaid debt with them. Yet again, you have failed to provide me with a copy of any viable evidence submitted by XXXX XXXX XXXX. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. 
Additionally, please provide the name, address, and telephone number of each person contacted at XXXX XXXX XXXX regarding this alleged account. I am formally requesting a copy of any documents provided by XXXX XXXX XXXX, bearing my signature, showing that I have a legally binding contractual obligation to pay them. A bank clerk looking at their computer screen, seeing my name listed in their database is NOT verification or validation of any alleged debt. 
Failure to comply with federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the state of Missouri Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. 
Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking {$5000.00} in damages for the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. )  Violation of the Fair Credit Reporting Act

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 2020-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, NJ XXXX XXXX : XXXX / DOB : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX USA To whom it may concern : This letter is in response to your recent claim that XXXX XXXX XXXX has verified that I have an unpaid debt with them. Yet again, you have failed to provide me with a copy of any viable evidence submitted by XXXX XXXX XXXX. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. 
Additionally, please provide the name, address, and telephone number of each person contacted at XXXX XXXX XXXX regarding this alleged account. I am formally requesting a copy of any documents provided by XXXX XXXX XXXX, bearing my signature, showing that I have a legally binding contractual obligation to pay them. A bank clerk looking at their computer screen, seeing my name listed in their database is NOT verification or validation of any alleged debt. 
Failure to comply with federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the state of Missouri Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. 
Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking {$5000.00} in damages for the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. )  Violation of the Fair Credit Reporting Act

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, NJ XXXX XXXX : XXXX / DOB : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX USA To whom it may concern : This letter is in response to your recent claim that XXXX XXXX XXXX has verified that I have an unpaid debt with them. Yet again, you have failed to provide me with a copy of any viable evidence submitted by XXXX XXXX XXXX. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. 
Additionally, please provide the name, address, and telephone number of each person contacted at XXXX XXXX XXXX regarding this alleged account. I am formally requesting a copy of any documents provided by XXXX XXXX XXXX, bearing my signature, showing that I have a legally binding contractual obligation to pay them. A bank clerk looking at their computer screen, seeing my name listed in their database is NOT verification or validation of any alleged debt. 
Failure to comply with federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the state of Missouri Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. 
Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking {$5000.00} in damages for the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. )  Violation of the Fair Credit Reporting Act

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 2020-03-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Midwest Recovery Systems
State: OH

Complaint narrative:
Midwest Recovery violated the FDCPA. My sister was called today and was told I had check fraud in XXXX County. She was told to give me the number XXXX. I haven't received any mail or phone calls regarding their claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK
State: MA

Complaint narrative:
While the cousin of my husband was staying at our residence, he accessed my personal information and opened, and maxed out, a Discover credit card. Since he was staying with us he was able to intercept our mail in which the Discover card came and also ordered products to our address. He, at times, used our checking account to pay for this fraudulent account as we had no knowledge of what was going on. My husband and I have been trying to work with Discover for over 9 months and have been getting the run around. They claim they been trying to contact me but explained to them that I cant speak during school/work hours and gave them permission to speak to my husband. When I do return calls they claim they are " working on it '' and no new information is available then I receive letter stating that the " investigation '' is complete. We haven't seen the cousin in about a year and a filed a police report along with a FTC report and all proper documentation has been mailed to discover along with the 3 credit bureaus but Discover keeps changing the account number so the bureaus can not recognize the fraud account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 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: GA

Complaint narrative:
XXXX  investigation is wrong. Transunion & XXXX  changed this information.I paid a loan off with XXXX XXXX in XX/XX/XXXX. They reported me as 30 days late in XXXX. I had no more payments. They had an systems errror with there payment system. I should not be reported as late. I could have resubmitted. They never contacted me only falsely reported me as late.

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 2020-03-10 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: MoneyLion Inc.
State: GA

Complaint narrative:
XXXX  investigation is wrong. XXXX  & XXXX  changed this information.I paid a loan off with Money Lion in XX/XX/XXXX. They reported me as 30 days late in XXXX. I had no more payments. They had an systems errror with there payment system. I should not be reported as late. I could have resubmitted. They never contacted me only falsely reported me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: MI

Complaint narrative:
I recently obtained a copy of my credit report and was shocked to see a collection from Convergent Outsourcing in the amount of {$590.00}. The original creditor is XXXX. On XX/XX/2020, I made efforts to dispute and remove this account from my file via credit reporting company XXXX  to no avail. I do not own this collection. This erroneous information has resulted in me being denied credit as well as less than favorable credit terms. I am filing a complaint to the FCC about XXXX to fix this issue as well.

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 2020-03-10 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: Nelnet, Inc.
State: MD

Complaint narrative:
while attending XXXX college in dc the school was closed on XX/XX/XXXX I attend this school from XXXX-XXXX. I was lied to about job placement. Deceived as far as the financial aid department reporting my correct balance. There XXXX accreditation which was lost when school closed. This school is currently under lawsuit because of inappropriate acts. Additional loans where taken out of my name without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Back in 2013 I was a victim of identity theft. I've contact this company multiple times threw the credit bureau concerning this matter but I'm getting no where. The company continuously respond stating that this is my debt when I'm explaining that I've never had a credit card with this company. Someone stole my information and apparently opened up an account in my name, I never benefited from it in any way. I've also requested documents or anything that they have, proving that this is in fact my debt and I've received nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: AFNI INC.
State: MI

Complaint narrative:
I am being charged for satellite equipment that I was told to discard. 

I was sent an email from XXXX to discard my equipment after I closed my paid and fulfilled account, so I did. Several weeks later I get another email that said to return said equipment. I contacted customer service and explained what had happened and was charged for that equipment. 

This has been sent to multiple collection agencies with each one reporting this same incident on my credit record. I have called and disputed this report. My problem is I did not save the first email they sent me. 

XXXX  and XXXX should held accountable for unfair credit reporting and business practices. I had no idea they would be dishonest with consumers but they have been with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 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: TX

Complaint narrative:
I am very concerned because I am unable to pull my Equifax credit report from any of my credit monitoring services. When I spoke to Equifax they assured me that their was nothing preventing the creditors fro pulling my report. I am unable to even pull my annual credit report from Equifax. This is holding me up from getting the financing I need to continue with my goals. I am not sure if its a block or simply a system issue of Equifax side but I have been trying to resolve this for the past couple weeks. 

Thanks In Advance XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
I took Martgage Loan from XXXX XXXX XXXX  ( XXXX ) in Feburary 2018. As per terms of of loan I should keep updated Insurance policy.Accordingly my contractor who is constructing the home took Certificate of Liability Insurance policy showing me as Insurance certificate holder. This policy was accepted by XXXX, the lender. 
In XX/XX/2018, the company under the name of Mr.Cooper purchased the mortgage loan from XXXX on the SAME TERMS & CONDITIONS. Their Loan # is XXXX. Mr. Cooper asked me to submit DECLARATION PAGE for the Insurance Policy, which I provided. 
Now they says that Mr. Cooper IS NOT REQUIRED TO ACCEPT the Insurance doucument as evidence of Insurance. They were claiming Insurance from me in their monthly bills even though they have the Insurance policy for the period. When I challenged them about this insurance amount they are charging ( Included in Escrow amount ) even though they have not purchased any Insurance policy on my behalf, they sent me a copy of insurance policy purchased on XX/XX/2018 BUT EFFECTIVE FROM XX/XX/18 ( BACK DATE ). Further this policy they purchaded in the name of privious lander ( XXXX  ) without informing them or me. Previous lander never claimed any premium from me for this policy. Mr. Cooper claimed $ XXXX for this policy, After the house was completed I purchased Home Insurance policy for a yearly premium of $ XXXX for the year ( as against their charge of $ XXXX ) This policy has been accepted by them. 
As They purchased my loan from previous lander ( XXXX  ) ON THE SAME TERMS & CONDITIONS, which include Insurance Policy accepted by previous lander, they have no right to change the terms of contract. 
It is requested to explain them to accept the previous policy & refund me the excess amount they charged. Their E-Mail address is XXXX OR XXXX. My loan account with Mr. cooper is XXXX, their postal address is Mr. Cooper, XXXX. XXXX XXXX, XXXX-TX-XXXX-XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Closed on a real estate deal Friday XX/XX/2020. Funds were wired from Title Company 's Wells Fargo Account to my Wells Fargo account at XXXX of that day. Funds were to be posted that day. It is now Tues XXXX, XXXX and funds are not only not there but Wells Fargo seems unwilling to help even with the XXXX   tracking #.

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