vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-13 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: GA

Complaint narrative:
There is an inaccurate account ( " XXXX XXXX XXXX XXXX '' ) listed on my credit report and the information being reported does not belong to me. The Fair Credit Reporting Act states that only 100 % accurate information should be reported to my credit file. 

On XX/XX/XXXX, I purchased a credit monitoring service with XXXX and received detailed information on this account. According to the XXXX XXXX credit report, " XXXX XXXX XXXX XXXX '' has been inaccurately reporting a vehicle lease on my credit report since XXXX. I have never purchased or leased a vehicle through XXXX before. 

In XX/XX/XXXX, I settled this account because it was hurting my credit score very badly. At the time, I did not notice this inaccuracy until I just recently purchased the XXXX credit monitoring service on XX/XX/XXXX. I filed a dispute with Experian last year, however, this " vehicle lease '' information was and still is not obtainable through Experian.com directly, it only shows on XXXX. 

I contacted XXXX and obtained the Lease Agreement for this account. On page 3 of the Lease Agreement, it shows that this account is not a vehicle lease. Under the " definitions '' section on page 3, the description for this lease purchase is " XXXX XXXX XXXXXXXX XXXX XXXX '' Platform '' and also states on that same page " XXXXXXXX XXXX XXXX  '' was the name of the company who sold the property. As result of this documented inaccuracy on my credit report that allegedly violates my consumer rights, please remove this account from my credit file indefinitely. 

According to the Fair Credit Reporting Act, the law that governs the treatment of inaccurate or unverifiable information explicitly states : " In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall : XXXX promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and XXXX promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''

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 2023-05-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I opened an auto loan with Wells Fargo in XXXX, XXXX. I made my payments on-time and they had my truck repossessed in XXXX, XXXX  after only missing one payment. They've since obviously sold the truck and have forgiven the remaining debt on the loan. I have a XXXX balance and my loan is literally months from falling off of my credit report, BUT, they've incorrectly labeled my payment history on my credit reports. 

I recently read an article posted on XXXX from XX/XX/XXXXXXXX  titled " Wells Fargo might owe you moneyheres how to get it. '' In that article, it said that Wells Fargo had been sued and that anyone that had an auto loan between XXXX  and XXXX  would qualify for damages. 

It specifically said " For auto loan customers, illegal practices include prepaid gap coverage that wasnt refunded when loans were paid off early, incorrectly applied payments that led to higher interest charges and fees, and unwarranted auto repossessions. The total amount of damages owed to each affected customer will vary, according to numbers provided by the CFPB. For automobile repossessions, compensation is at least, but is not limited to, {$4000.00}. '' I believe that I'm affected and I have NOT received {$4000.00}. 

My Loan Account ended in XXXX Since the repossession of my vehicle, I've moved and changed phone numbers. Unfortunately, I only have the last four digits of my account number, however, I can provide my name, social, former address, anything they need.

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 2023-05-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Village Capital & Investment LLC
State: NC

Complaint narrative:
It was identified on XX/XX/XXXX I was due to be paid excess in escrow account, it is now XX/XX/XXXX. It has been 58 days total with no check in sight. I have contacted my servicer Village Capital & Investment LLC 2x around the 30 day mark and an additional amount of times after. They keep saying it should be there at the end of the week. This is blatant misinformation. This is a check in excessive of {$5000.00}, that should be paid. At this point it should be paid with a late fee given that its gone over the mandatory time frame for repayment. They are stealing from me with an interest free loan of {$5000.00}.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
Navient ( formerly Sallie Mae ) talked me into forbearance multiple times when I was struggling financially reather than helping me find a repayment option that would help my situation. When I could no longer forbear they talked me into interest only payments. They never mentioned that my loan balance would acty increase due to that. My payments on interest only are now {$700.00}. On one loan where my payment is {$380.00}, only {$25.00} goes to principal. They won't offer me anything else other than interest only payments and meanwhile my balance keeps increasing. I don't qualify for any external consolidation as I have applied multiple places. At this rate I will never pay off my loan and Navient is making a XXXX  off of me. They persuade customers to take out loans they cant afford them refuse to work with them to pay it back. They know customers are trapped and take advantage of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information 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 2023-05-13 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

Complaint narrative:
Hello, My paypal business account has been permanently blocked without notice or justification. While my company is working seriously and I have provided the necessary evidence, including my bank statement ( attached ). I had a conversation just before the blocking with the customer service who told me that my request should be received favorably by XXXX. I hope to have a positive return concerning my request that I find legitimate considering the fact that my activity does not carry any risk. We deliver our customers as agreed in our XXXX and respect the conditions of use of the paypal platform. 
kind regards. 
Business information : XXXX XXXX PayPal Merchant ID : XXXX Name : XXXX XXXX phone number : XXXX XXXX mail : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: OH

Complaint narrative:
I leased a home from XXXX from XX/XX/XXXX until XX/XX/XXXX. 

XX/XX/XXXX they claimed I owed them XXXX. Since then, they have sent this to collections. 

I have been in contact with the collections agency since around XX/XX/XXXX, I have requested validation of the debt and XXXX has failed to provide such. The Collection Agency is refusing to remove the debt from my credit report despite my multiple efforts to resolve this matter. 

They have told me that they sent XXXX a verification request which I requested around XX/XX/XXXX and they have not provide such. 

XX/XX/XXXX, I again called Thansworld System Inc. for an update on the dispute and XXXX has not validated his claim and they still refuse to remove a debt they have failed to validate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: MD

Complaint narrative:
Well pretty much me and my co owner got a vehicle about almost six years ago we had nothing but problems with the vehicle we couldnt afford to make payments and pay for repairs we broke give the vehicle back to credit acceptance voluntarily and they put it on our credit report. They kept putting late fees and balance increase on our credit reports. Last month I got an email stating that they closed my account out and now the are suing me which is crazy because they are being sued by the state of New York they have been nothing but a headache I am a single mom of XXXX low income and taking care of my XXXX mother .This is said I cant afford to pay the balance off even though they sold the vehicle and I cant afford court this is really stressful please help me thank u

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 2023-05-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: NC

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information 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 2023-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Halsted Financial Services, LLC.
State: KY

Complaint narrative:
I filed a complaint on XX/XX/23 on XXXX about a debt with XXXX XXXX XXXX. As the complaint was processing I recieved another communication through Halstead Financial. They texted me directly. XXXX is outsourcing while there is an active complaint and they are giving my contact information and not my Attorney 's information. They are still violating my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13 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: CT

Complaint narrative:
From XXXX I was in an XXXX  relationship I got scammed and I had multiple data preaches where my information was exposed my information was used to look for and obtain loans for cars by scammers who said they were going to help me start a car rental business they kept the cars and got insurance in my name and nothing was paid for my abuser had me open credit cards and different accounts that he said he would pay for and put fake checks in my bank accounts and took the money he stole and control my money and I was unable to pay any of my bills resulting in homeless debt and financial ruin I had to go into a domestic violence shelter in order to get help and get away from my abuser. Also my personal information was exposed in multiple data preaches. The car loans were XXXX XXXX dealer services XX/XX/XXXX in the amount of {$37000.00} XXXX  XXXX XXXX XX/XX/XXXX in the amount of {$37000.00} XXXX XXXX XXXX XX/XX/XXXX in the amount of {$30000.00} XXXX XXXX XX/XX/XXXX in the amount of {$29000.00} XXXX XXXX XXXX XX/XX/XXXX in the amount of XXXX XXXX XXXX XX/XX/XXXX {$21000.00} XXXX XXXX XX/XX/XXXX {$1200.00} XXXX  XXXX XX/XX/XXXX {$4000.00} capital XXXX XX/XX/XXXX {$1000.00} collection for XXXX XX/XX/XXXX credit collection services XX/XX/XXXX {$630.00} XXXX XXXX XXXX XX/XX/XXXX {$770.00} and inquiries to my credit XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX  XXXX XXXX  XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX  XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX I have been working with a victims advocate XXXX XXXX XXXX XXXX I filed a police report about the abuse at XXXX police department and I was in XXXX domestic XXXX shelter and I am starting disputes with the creditors

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CL Holdings LLC
State: NC

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Citi Bank closed my account with no prior explanation of my account being up for closure. I was on a Catch Up arrangement with them that specifically states the account would remain open while on that arrangement. I was told that it was broken when a payment was not made on XX/XX/XXXX but my email states a payment was not to be made until XX/XX/XXXX. When I spoke with someone today they advised that the online tool they provide customers does not give all details so thats probably what happened. I do not feel I should be penalized for their systems not being aligned with their practices. I am willing to pay my balance and bring my account current to reopen my account. This should have been fully explained on their website when enrolling in a payment plan if the account is past due a certain limit a deposit be received or it should be explained that whatever the past due amount is needs to be paid by a specified date or the account will be closed. I never received an email, call, or text letting me know that my account was reaching a time for closure. I was trying to do the right thing with setting arrangements to prevent this from happening and it happened anyway. This is very deceptive and unfair.

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 2023-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: RI

Complaint narrative:
I would like to reopen case XXXX on XX/XX/2023 I recieved a debt collection call from a local debt collector XXXX XXXX acting on behalf of american express XXXX I was not home to take the call. I do not have an amex card or any business with the company so this call could only be about my brothers debt to Amex. It is insane that these people are calling anyone with the last name XXXX that has a listed number. Please make them stop. I think it is sanctions or time for fines! I work hard and pay my bills on time so I do not get calls like this that are about my debts. I should not be subjected to harassment about a debt that I have nothing to do with. I have no means to contact XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
On XX/XX/2023 I received an interest fee on a statement balance that I paid in full in order to not incur any interest fees and to zero out my balance. The statement balance was paid before the due date and they are attempting to make me pay an interest fee on an account that has been paid in full. They have also stated that their company does not waive interest fees after an account has been paid in full. 

Re : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: AMERICAN EXPRESS COMPANY
State: WV

Complaint narrative:
They're trying to process payments that were not authorized. They turned my auto pay back on without my permission. They call several times a day using false local numbers. They call on XXXX  which is not allowed in the State of West Virginia

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In XXXX XXXX files a claim with unemployment and i recieved one check from bank of america i filed claims after claims and the bank has not paid but 4 claims of mine then i have not recieved anything from them i called bank of america for over three years going back and forth with the bank i have filled police 5 reports i have sent 2 letters and copys of my id because the bank had no id for me so they did not know what i looked like the money was taken out of a bank i never ever used i wrote bank of america a letter and explained that to the bank well the other day i called up bank of america and asked to talk to claims i talked to a XXXX from texas he asked for me to give him the claims numbers i had i told him i have over 30 claims so he said to give him 5 at a time and i did that well after the second claim number he asked me to repeat the second claim number again i did he told me that was not my claim number it had belong to someone else it came up under some one elses name i told him how was that when i got the claim numbers from a person that worked at bank of america he said he was not sure but that it was not mine thats all he knows well a few days passed and i called up bank of america and there was a recording and it said that i could not talk to no one about claims until after XX/XX/XXXX that they where doing maintenance on the computer so we can call after XX/XX/XXXX after XXXXXXXX XXXX so i did and thats when they had told me that all my claims where paid and that they where marked off that someone signed them off but they where never paid so im asking you to please help me because they took all my unemployment

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 monetary relief
Consumer complaint received 2023-05-13 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-13 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information 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