vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-01 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: LendingPoint Holdings LLC
State: ID

Complaint narrative:
This LENDING POINT loan was paid off on XX/XX/2020. That is the date my payoff check cleared my bank. I am due an over payment refund of {$600.00}. I have made more than 5 telephone contacts and multiple email contacts with the promise the payment will be processed with NO RESULTS. On XX/XX/2020 I contacted customer service representative XXXX XXXX and was informed there was no record of payment and she would check with management who in turn was going to work with the accounting department and someone would contact me. A supervisor called me and left a message stating everything was worked out and to please call back at the number he left to let them know if they should mail a check or wire the money back into my account. I called the number repeatedly for 3 days and all I got was a fast busy signal. I then emailed XXXX XXXX and explained I had received a message from a supervisor who left a worthless phone number. I again asked when my money was going to be refunded. Again, I called customer service yesterday and was transferred to a supervisor who stated they were working on it. I was paying over 70 % interest on this loan. Am I being paid interest on my money which they are still holding? During one conversation with a customer service representative last Wednesday I was asked to provide my bank account and routing number so they could do an electronic deposit. I provided that information. Today is XX/XX/2020 and still no money in spite of my conversation yesterday with yet another supervisor who told me it would be taken care of. MORE LIES FROM LENDING POINT. THESE PEOPLE ARE LYING THIEVES. Where is my money. By God, when the mail was one day late when making payments I would get bombed with emails, text messages, and phone calls asking where the payment was. Now the shoe is on the other foot, and they couldn't care less about paying me my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
My home closed on XX/XX/2020. Mgt on XXXX XXXX XXXX, XXXX, NJ XXXX - XXXX  XXXX  Loan # XXXX. 

My SS. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, NJ. XXXX My paid off mortgage on XXXX XXXX XXXX, XXXX, NJ XXXX - XXXX  XXXX  Loan # XXXX is still showing up as outstanding on my credit reports Mgt on XXXX XXXX XXXX, XXXX, NJ XXXX - XXXX  XXXX Loan # 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 2020-12-01 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
A fraudulent charge was made to my Chase Freedom Account. I called immediately the same day to deny the charge and cancel the account.Chase did not cancel the charge and is demanding I pay even though the item was not picked up until the next day.Chase did not inform XXXX XXXX that the charge was fraudulent nor cancel ( deny ) the charge.Chase advertises that you are protected from any false or fraudulent charges but refuses to further investigate this claim. On XXXX I was told by a Supervisor Name XXXX that ; 1. It is my job to investigate the fraudulent charges not Chase 2. That someone using my name and claiming they are me is not fraud 3. The item was picked up a day after I filed the fraud complaint 4.XXXX XXXX was only notified by mail The charge for {$1300.00} was made on XXXX XXXX and my fraud complaint was filed on the same day.As far as I know from information supplied by Supervisor XXXX no action was taken by Chase

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NC

Complaint narrative:
I made principal-only payments to Mr Cooper via their online portal with enough funds to payoff my mortgage in advance of the monthly payment date. One of my payments ( transaction 173 ) was mis-processed by Mr Cooper 's system as a monthly payment, split between principal and interest, leading to my loan not being paid off. I have spoken with countless agents at Mr Cooper, requesting transfer of the interest payment of {$140.00} in transaction 173 to principal and have been run in circles with no resolution for several days. Once the {$140.00} is transferred to principal, the loan should be paid off and closed. Agents and management have deflected responsibility, hung up, redirected my call back to the automated system, and generally exhibited no concern for what would seem to be a simple request. My request has supposedly been escalated for management intervention for several days, but nothing appears to be moving forward and no one will take ownership to keep me apprised on status. Not only is there gross negligence in customer support, it appears there is systemic resistance to assisting with loan payoff.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: ID

Complaint narrative:
On XX/XX/XXXX there were three unauthorized transactions on my PayPal account.

Two deposits from a person named XXXX XXXX, Whom I don't know : {$550.00} and {$2700.00}. 

On the same day, there was a transfer out to a credit card ( which is not mine ) {$3300.00}. 

I disputed all three transactions. PayPal removed the two deposits but refused to remove the transfer out, saying that it was my responsibility to file the dispute with the credit card. Of course, I can't do that since it's not my card. 

The end result is that PayPal says my account is overdrawn and I owe them {$3300.00}. 

I have made many attempts to resolve the problem but PayPal won't listen.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-01 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: OH

Complaint narrative:
This is my 2nd attempt to have Equifax remove XXXX account from my credit report, as I have been removed as the authorized user. They requested that I submit proof of my identity, so I have enclosed my driver 's license as proof, along with the same letter indicating that I have been removed from the XXXX account. Please remove this account from my credit report. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: CT

Complaint narrative:
On XX/XX/2020, I mailed a letter to Portfolio Recovery asking them for proof that they had followed the law as outlined in the FCRA, specifically 1681s-2 ( 7 ) ( a ), pertaining to if they were furnishing negative information to the consumers account that they notified the consumer in writing of that negative reporting. I have never received such a letter from them that would in accordance with that particular law and they have furnished negative information to my credit reports despite my never have engaged with them in any business venture or Portfolio being able to verifiably prove the legitimacy of any such accounts. 
To date there has been no response from them yet. They continue to report on my credit. They have failed to show any proof of being in accordance with this law. They should be required to demonstrate their initial compliance with this law by the CFPB or they should delete the accounts they have listed as having added them in the first place illegally. They are accounts that Portfolio has ceased collection activity on by their own accord.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 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: FL

Complaint narrative:
While looking over my credit report, I noticed that my social security number was stolen. There is an account on there that I never opened. I need this account removed from my credit report. I contacted the federal trade comission and got an Identity theft report to provide the credit bureaus with all of my info needed to process. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 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: WI

Complaint narrative:
On XX/XX/XXXX I purchased a concert ticket for XXXX XXXX XXXX, XXXX for {$340.00}. On XX/XX/XXXX I purchased another ticket to XXXX XXXX in XXXX, XXXX for {$610.00}. Both concert were to be held XX/XX/XXXX. 

The concerts were cancelled due to covid. As the promoter of he concerts refused to issue refunds I disputed the charges with Capital One. 

On XXXX XXXX Capital One reversed the charges while investigating the dispute. All is good at this point, However on XX/XX/XXXX Capital One rebilled me for {$330.00} On XX/XX/XXXX Capital One again rebilled me for {$340.00} and {$610.00} On XX/XX/XXXX Capital One recahrged yet AGAIN for {$340.00} and {$610.00}!! 

Capital One has been contacted many times and the double charge for {$610.00} and the triple charge for {$340.00} have still not been removed from my account. 

As the concerts were cancelled and the concert promoter has refused to issue refunds they are committing fraud accepting fees for a service not provided. As such, Capital One must under Consumer Fair Credit Act credit me for all these charges and have not been willing to do this. I have been trying to resolve this for a year with no satisfaction.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-01 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: WI

Complaint narrative:
Sold items on XXXX. buyer used paypal to pay for items. PayPal held funds for a number of days until buyer received and was satisfied with item purchased. The sale amount then appeared as my available balance. I attempted to transfer funds from paypal to my bank and over a series of days I kept getting 'unable to complete transaction '. I then at tempted to transfer funds to my debit card and received 'unable to complete transaction ' again and again. I tried calling paypal but they said they could not help me and hung up. I sent several messages to them on their website message service and received no response. Essentially, paypal is not allowing me to use or access funds that are mine due to the sale of goods on XXXX without any cause or reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Physicians & Dentists Credit Bureau
State: WA

Complaint narrative:
On XX/XX/XXXX XXXX  from Physicians & Dentists Credit Bureau contacted my husband XXXX XXXX about a debt from XXXX owed to XXXX XXXX XXXX, my former XXXX  of 5 years. During my time under XXXX XXXX care my Mom paid any portion of my bill that was not covered. In XXXX she abruptly stopped paying the bill but did not tell me, nor did XXXX XXXX. He continued to allow me to see him while I racked up about {$3000.00} in unpaid bills. Furthermore, I never heard anything about the balance owed after I stopped seeing XXXX XXXX. I assumed he decided to write it off because it was unethical of him to allow me to go into debt with him as he knew I could not pay. When XXXX called my husband on XX/XX/XXXX he requested a copy of the bill. Not until XX/XX/XXXX did she mail us anything. I called her yesterday and she lied to me telling me she had been calling my husbands phone number attempting to collect on this debt for the last 4 years. I married XXXX in XX/XX/XXXX. She lied. She also hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Bridgecrest Acceptance Corporation
State: NY

Complaint narrative:
I purchased a vehicle on XX/XX/2020. After 5 months, I still dont have a title or any documentation about the vehicle. Dealer refused to give me proper documentation to register the vehicle myself. After the temporary tags expires dealers keep registering same vehicle in multiple states. 

As I can't get a title under my name, or the proper information to registered myself. I call the bank for help. But they stated that they don't have a title either. Im a XXXX resident and Im supposed to be the title holder and need it to transfer my old plates. I paid for the services. 

I'm making payment for a vehicle that I don't have any documents. I ask the bank to stop collecting payments until the situation is resolve, and honor the FTC Preservation of Consumer Claims and Defenses Clause, which they refused. 
Im stuck and I need help Vin Number : XXXX Dealer : XXXX XXXX Bank : bridgecrest financial Account Number : XXXX Name : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Unifin Inc.
State: MD

Complaint narrative:
Since XXXX there is a multiple collection agencies who are ruining my credit report for an unknown company this has to stop! I need help to stop reporting each year false information and I think it comes from XXXX where I filed a complaint with the FTC but never have any answer. XXXX stole XXXX XXXX from me in XXXX and I cancel the contract after paying thousands they owe me more than {$5000.00} since XX/XX/XXXX and the FTC never did anything. If this is them it is illegal to claim money when it is false and it is the reverse! I thought it will stop to report false I formation as I called them but no. They continue to use ( I believe its XXXX XXXX new collection agency to ruin people credit report and its unfair. What can I do? After 5 years of battle to stop them?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have contacted the Transunion and XXXX  credit bureaus multiple times regarding public records of bankruptcy on my credit reports. I have disputed these items multiple times with the bureaus and each time it comes back verified through XXXX XXXX and Bankruptcy courts. I contact the Bankruptcy courts which they have responded that they do not report to the credit bureaus, therefore, the item is either a lie or an error. Either way, the reporting requirements do not comply with FRCA- 611 ( 15 U.S.C- 1681I ) and the information must be deleted. 
I also contact XXXX XXXX for a copy of verification of the public records as well. I received a letter from XXXX XXXX stating they do not have a bankruptcy file or record. Based on this, the method of verification is fraudulent and the items must be deleted from my credit reports. 
I have attached the letters from the XXXX XXXX and the Bankruptcy courts as proof of what I am stating. 

XXXX BK ID # XXXX BK ID # - XXXX BK ID # - XXXX Transunion- BK Docket ID # XXXX BK Docket ID # - 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 2020-12-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
While looking over my credit report, I noticed that my social security number was stolen. There is an account on there that I never opened. I need this account removed from my credit report. I contacted the federal trade comission and got an Identity theft report to provide the credit bureaus with all of my info needed to process. Thank You.

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 2020-12-01 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: FL

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 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: LA

Complaint narrative:
On XX/XX/2020 I sent Disputes to deleted all unknown and inaccurate accounts on my credit report but today is over 30 Days but there's still no response. I am a victim of Equifax Data Breach. I demand to deleted all the accounts or I will file a litigation

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 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: SC

Complaint narrative:
I was a victim of identity theft. I have submitted numerous affidavit info along with everything needed and yet they keep ignoring or not reading the information. XXXX  took care of everything immediately and for some reason equifax thinks they have a different set of legal guidelines apparently

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 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: FL

Complaint narrative:
While looking over my credit report, I noticed that my social security number was stolen. There is an account on there that I never opened. I need this account removed from my credit report. I contacted the federal trade comission and got an Identity theft report to provide the credit bureaus with all of my info needed to process. Thank You.

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 2020-12-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.

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 2020-12-01 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: FL

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.

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 2020-12-01 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Netspend Corporation
State: WI

Complaint narrative:
I do not know the exact date I purchased the card. Only that it was prepaid and at XXXX before XXXX for my XXXX meal. Upon trying to activate the card, I am told I am intelligible and that they can reopen a previous netspend account, and send a check to that address. I am no longer at the address for a previous netspend account, nor can I prove the address where I am. I am XXXX. Living in my car. This isn't the first issue with netspend. XXXX pay also stole XXXX dollars they wouldn't return back of this. This is a {$100.00} dollar transaction, and being homeless, I need the money to survive, and was assured I would have no issues as I was prepaying for card.

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 2020-12-01 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: CITIZENS FINANCIAL GROUP, INC.
State: WA

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/XXXX, CITIZENS ONE AUTO FI add a hard inquiry on my credit report per XXXX.

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

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

Company response to consumer: Closed with explanation