vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Hello again, i am distressed to inform you of the willful noncompliance of federal law by Experian. Their inaccurate and misleading reporting has played a vital role in my ability to obtain credit. Here are some laws being being violated in my situation. I am trying to stay away from the process of litigation but if thats what i have to do to be treated fairly i guess thats where i will have to take this matter ...

-15 USC 1681 Accuracy & fairness of credit reporting -15 USC 1681 ( a ) ( 4 ) Invasion of consumer privacy -15 USC 6802 A financial institution may not disclose no public personal information to a non-affiliated third party -15 USC 1681 ( b ) ( 2 ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other 2 ) in accordance with written instructions of the consumer to whom it relates Please help me in this situation

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I used PayPal to make a payment and the people I sent through PayPal were scams, but PayPal did not help me out to recover the amount paid. PayPal should not include scams people on the platform and using way for identification as I got hocked for {$4000.00}. 

The transaction was made are : *XXXX XXXX XXXX sent to XXXX XXXX XXXX XXXX XXXX of {$1000.00} ( I disputed to PayPal and the amount not refunded in my favor because I sent it as Friends and Family, my complaint how PayPal can not protect us from any type of scams? ) *XXXX XXXX XXXX, sent to XXXX XXXX XXXX XXXX XXXX of {$500.00} ( I disputed to PayPal and the amount not refunded in my favor because I sent it as Friends and Family, my complaint how PayPal can not protect us from any type of scams? ) *XXXX XXXX XXXX, sent to XXXX ( XXXX XXXX XXXX ) of {$500.00} ( I disputed to PayPal and the amount not refunded in my favor because I sent it as Friends and Family, my complaint how PayPal can not protect us from any type of scams? ) Thank you so much for all your help and for protecting us from frauds and scams.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 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:
Ive been a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 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: Village Capital & Investment LLC
State: TX

Complaint narrative:
I did a loan modification with my mortgage company Village Capital & Investments LLC. I completed all the trial payments and they are reporting missed and late payments on my credit report even though I am no longer late nor have any missed payments with them. They have been reporting negativity since XXXX several times a month and it hurt my credit report a lot. I need this fixed. Each violation of the fair credit reporting act is {$1500.00} per offense and they committed multiple offences in the last few months reporting for months I wasn't even late on.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
I tryed to send money to someone and it said scam and the next morning it said account closed and I have to send my son money so I need that to be fixed cash app $ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA

Complaint narrative:
An escrow refund check in the amount of {$200000.00} was issued and sent to me by my loan service provider, Lakeview Loan Servicing , LLC on XX/XX/XXXX. I never received the check in the mail and notified Lakeview Loan Servicing on XX/XX/XXXX that the refund check was not received and requested for a reissue. I contacted their customer service multiple times. I made at least 7 phone calls to the customer service line and was told each time that the check is in process of being reissued but until today, XX/XX/XXXX I have not yet received it. Every time I call customer service, they keep telling the request for reissue has been submitted and I should receive it shortly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 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: PA

Complaint narrative:
I am a victim of identity theft. I recently learned that my personal information was used to attempt to open an account at the companies listed I did not authorize this attempt, and I therefore request that it is deleted 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 explanation
Consumer complaint received 2021-03-19 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
On approx. XXXX XX/XX/XXXX I tried to rent a car on the internet from XXXX, using an XXXX Mastercard from Barclays Bank. I received an error message, and couldn't resolve it, so ended up over at XXXX, where I successfully rented a car. 

I never heard anything more from XXXX but discovered a charge from them for {$160.00} posted to that Mastercard. 

I have sent emails to XXXX, but received no response. I disputed the charge with Barclays, but that dispute was denied, on grounds " the merchant has not violated the terms and conditions of the sale. '' I appealed that denial to Barclays, pointing out that I never received anything from XXXX  ( voucher, rental car, response to emails ). Barclays sent two letters denying the appeal ; one just saying there was " insufficient proof that the merchant has violated the invoice/contract 's terms and conditions '' ( and encouraging me to contact the merchant directly ), the other letter giving as a reason " the chip on the card was read and validated during the authorization process or the card was present and CVV confirmed. '' This letter also recommended I contact the merchant directly. 

I will try to attach copies of the documents I have mentioned, which describe in more detail what has occurred. But I would like to stress two points : ( 1 ) I never received anything indicating the car rental attempt with Rent.It went thru, or received any response to my queries to Rent.It. ( 2 ) I am upset with Barclays, both because they apparently ignore dispute letters sent to the address designated for that purpose on their statements, and then ( after I faxed them the dispute letter ) for still being assessed late payment fees and interest charges ( on statements ending in XX/XX/XXXX and XX/XX/XXXX ). 

If you have any questions, or need any more information, I would be glad to provide it. I can be reached at XXXX, or XXXX XXXX XXXX XXXX. My addresses are on the attached letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: SC

Complaint narrative:
Shellpoint Mortgage XXXX, SC XXXX XXXX Sent escrow analysis for year, incorrect because hazard insurance added twice while flood omitted XXXX Spoke with XXXX. I explained issue. She requested new escrow analysis XXXX Received video email with new escrow analysis. Still wrong. Called and spoke with XXXX XXXX at XXXX. She said to disregard video and said initial request had been ignored because nothing wrong with original statement! I explained what was wrong. She noted it and sent an expedited request so I'd receive corrected statement within 72 hours. 
XXXX. Spoke to XXXX at XXXX XXXX. He said it was too soon to " jump the gun '' and to wait a week for correction. 
XXXX Spoke with XXXX who transferred me to XXXX XXXX, who created a ticket for new corrected escrow analysis and to wait 7 days XXXX Spoke with XXXX XXXX at XXXX XXXX. XXXX I requested to speak to supervisor, XXXX XXXX XXXX XXXX? ). She expedited new analysis. Told her I wanted within 48 hours or I'd contact attorney general, and if I died from a stroke Shellpoint would be sued for wrongful death! 
XXXX XXXX XXXX approximately, I called once again because I had not heard anything. According to XXXX, the payment had been corrected, but a corrected statement had not been sent to me, so she requested one. 

Shellpoint made a serious error with MY money. MY escrow. I am a good customer who has always paid AHEAD, and they treated me terribly! My original loan with XXXX has been sold to Ditech and Greentree and now Shellpoint. Shellpoint has made numerous errors since taking over less than 2 years ago. I used to work in the Savings and Loan industry back before computers, when we had to balance everything by hand monthly. It has to balance to the penny and reported to the government, with annual outside auditing. I don't think anyone is monitoring financial institutions like they used to. 
SC should be embarrassed to call Shellpoint a SC entity! They should be audited with scrutiny and fined for any errors.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX '' Please contact the company directly to verify that they have your correct address. Once the new information is reported to XXXX, you will be able to submit your dispute online. For further questions you may contact us at XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone Number Unavailable Charge Card XXXX Phone Number Unavailable Charge Card XXXX XXXX XXXX XXXX XXXX ) XXXX Secured Loan XXXX  ( XXXX ) XXXX Charge Card XXXX XXXX XXXX XXXX ) XXXX Debt Buyer XXXX XXXX XXXX Phone Number Unavailable Credit card XXXX XXXX ( XXXX ) XXXX Charge Card XXXXXXXX XXXX XXXX ( XXXX ) XXXX Credit card XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY Never lived there Use this reason if you have never lived at this address or received mail there. 
XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX WAY XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX  TX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I have been trying for the past couple of days to get an extension on my deferment due to unemployment. Navient is giving me the run around again. I have submitted all documentation they have asked for, and in reply they send emails saying they've answered my request. When I click on the link provided -- it leads to my account, with zero information about the status of my requests. This has been an ongoing issue. Navient 's website isn't set up to accommodate the user, only to ask for payment in various forms. I am unemployed and have been for quite some time. So, it seems rather unhelpful for the lender to have a maze of a website that is designed not to help customers, but, to confuse them. This is my second time with the same complaint, and Navient hasn't done any better in clarifying the process of asking for deferments, or, receiving information therein.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX I have found several names and addresses on my credit report that do not belong to me. I have recently filed an FTC. My full name is XXXX XXXX XXXX and all variations of my name ARE NOT MINE. 
I found out my ID was stolen and someone has been using my name to open accounts, utilities, and mobile accounts. 
The following accounts are fraudulent : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: ALLIANT CREDIT UNION
State: TX

Complaint narrative:
Purchased a XXXX on XX/XX/2021. Arranged for financing thru Alliant Credit Union. Sent final MVPA and VIN number to Alliant on XX/XX/2021. Received paperwork and agreed/signed security agreement for Loan 01 on XX/XX/2021. Took delivery of the car on XX/XX/2021 from XXXX - confirmed delivery. First payment of {$400.00} due and withdrawn from my bank account on XX/XX/2021 by Alliant. 

Original security agreement stated $ XXXX financing : 71 payments of {$400.00} ( final payment of XXXX ) at 5.470 % in exchange for {$42000.00} paid to XXXX on my behalf with first payment due on XX/XX/2021. 

XXXX, lender rep, on XX/XX/2021 stated that there was a computer glitch on the signed paperwork and that I needed to sign new paperwork for a new Loan 02. My previous payment was put into a pending account. The newly requested paperwork ( after I signed the security agreement, after I took delivery of the vehicle, after the first payment was drafted, and after XXXX said delivery is complete ) has financing of {$41000.00} : 71 payments of {$680.00} ( final payment of XXXX ) at 5.740 % in exchange for {$41000.00} with a first payment due on XX/XX/2021. 

I dont want to sign new paperwork for a new loan with worse terms for me after signing and agreeing with the lender and taking possession of the vehicle. The lender is claiming that this computer glitch on their end and errors on the Loan and Security Agreements and Disclosure Statements voids the previously signed agreement and that new terms are required. I disagree.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I found this on my credit report. I called to settle the debt and the man who answered told me that " my account was not eligible for a settlement '' but that he would talk to his manager and see what he can do and then told me that he would be able to take 25 % off the balance. I asked if that was the least amount your able to remove and he said yes he can not lower it any more. I told him that I would like to make sure that if they are offering other customers a higher percentage taken off the bill and that they are not allowing me that same opportunity then that would be against the law. The man said that he is certified by the FDCPA and that he knows the law and that is the least they can't take. He is not certified by the FDCPA and that is a lie and misleading. I was a bill collector for 8 years and know that you do not get certified by the FDCPA and this falls into the deceptive practices portion of said FDCPA. Also he continued to ask me what the reason was for me to want to pay this and continued to ask why I all the sudden want to pay and it was clear he was trying to find out why I would like to pay this so that he could use that as leverage over me. So I asked for a manager and I told her that I was calling to see about settling this debt and that he offered me 25 % but that I wanted to make sure I was getting the best settlement available and that if you are offering other customers a lower amount and you do not offer me that amount then that would be against the law and she told me that the settlement amount t are not the same for each customer and that there are factors like the account balance that determine the settlement and named several other things that decide that. I told her again that I was a bill collector for a long time and I am very confident that there is a certain amount you are able to lower that bill to and I am pretty confident that you are not being honest with me. I told her that I am not okay with this and will be contacting the cfpb. Also the first associate tried to tell me that it is not his money so he has no reason not to give me the best price and I said sure there is I am sure you make commissions off this and he said no he does not and that he makes a salary based pay and is not affected by the collection which I also believe to be untrue. So this is several examples of them being deceitful and using abusive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 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: CITIBANK, N.A.
State: WA

Complaint narrative:
My husband, XXXX XXXX XXXX died on XX/XX/2020. I immediately contacted Citibank , N.A . to report his death and to ask that they close his account. ( Account # XXXX. ) When their credit card was active and being used by XXXX, I was a 'Authorized User. ' When I notified Citibank of XXXX ' death, I also asked to be removed as an authorized user during that call. Citibank immediately closed the account. 

Citibank referred the account to XXXX XXXX XXXX XXXX XXXX assured me they do not participate in credit reporting, and that Citibank froze the account from incurring any interest charges, late charges and credit reporting after the account was closed. 

Today I obtained a current Credit Bureau Report for myself, which reflects XXXX ' account on my report. I called Citibank Probate Department today ( XXXX XXXX ) and requested that this account be removed from my credit report. The person I spoke with named XXXX ( # XXXX ) said there was nothing she could do and gave me the address to another Citibank location to contact. I told her that both XXXX XXXX and Citibank told me that once the account was closed, there was no further Credit Bureau reporting and asked why does the onus fall on me to get this corrected? 

It is up to Citibank to correct this error. It is damaging my credit score. I am overwhelmed with the issues that Citibank has caused with XXXX ' account and the amount of time I have dedicated to resolving ongoing issues. By the way, no other creditor of XXXX did what Citibank has done relative to credit bureau reporting. 

I have enclosed a copy of my XXXX Credit Bureau Report, dated today. 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 2021-03-19 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX I have found several names and addresses on my credit report that do not belong to me. I have recently filed an FTC. My full name is XXXX XXXX XXXX and all variations of my name ARE NOT MINE. 
I found out my ID was stolen and someone has been using my name to open accounts, utilities, and mobile accounts. 
The following accounts are fraudulent : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Peoples Financial Corp.
State: GA

Complaint narrative:
My complain is with People 's Financial. I paid of my XXXX XXXX in bankruptcy XXXX. peoples never gave my title to me or bankruptcy. 
i have reached out in XXXX and People 's Financial stated I still owe on my vehicle. All credit agency 's reports also that my vehicle is paid in full. peoples will not release my title its XXXX. When I ask to get corporate number I am inform there's No Corporate office. XXXX is the young lady giving the information.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
Santander agent stated that I would be approved for an extension due to being laid of due to COVID-19. Later they stated I did not receive extension and reported late.

Company response to consumer: Closed with explanation