vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XX/XX/2021 {$2400.00} was deposited into my account via a fraudulent transaction. I filed a fraud claim on XX/XX/2021

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 2021-09-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC.
State: MD

Complaint narrative:
Nature of Dispute : I would like my VA loan service to accept my payment in full via the online process they provided because I paid in full and early. I am afraid Guaranteed Rate is trying to make me default on my loan and charge me late fees by not accepting the payment that they said I can make. 

Commitment : On XXXX XX/XX/2021, XXXX XXXX, the Loan Servicing Coordinator of Guaranteed Rate, sent an e-mail saying I can pay online for my XXXX XXXX mortgage payment. I have an e-mail for record. 

Money Amount : On XXXX XX/XX/2021, I logged onto XXXX XXXX XXXX with my loan interim loan number. I paid {$2400.00} for my mortgage that is due on XXXX XX/XX/2021 with the online process. I confirmation of the transaction for record. The confirmation # is XXXX. 

Dispute not resolved : On XXXX XX/XX/2021, a person from Guaranteed Rate using the phone number of XXXX left a voice mail for me to call back. I returned the phone call at XXXX and Guaranteed Rate informed me that they are refusing my online payment that I made XXXX XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Thaxton Investment Corporation
State: MO

Complaint narrative:
I have repeatedly requested for this account to be deleted based upon a letter from XXXX XXXX stating that the debt would be forgiven and the account deleted from my account. To this date the account remains on my credit report and both Heights Finance and XXXX, keep updating the account instead of deleting it. XXXX XXXX stated that she would send me a Settlement Agreement after I returned the letter she send me with my signature for my review. I have never received that Settlement Agreement from XXXX XXXX or anyone else at Heights Finance to review and/or sign.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: John C. Heath, Attorney at Law, PLLC
State: NY

Complaint narrative:
First I told them that I've sent letters to the 3 bureaus about the 1 debt collection agency ( dipute ) 2nd week later I informed them on their web page they suggested you only send documents that the dept of education XXXX was handling my student loans that was paid for in 2007 that's showing as late fees currently was sending letters to the 3 bureaus and I have no need for their services. After paying XXXX advance 2days later XXXX charges was told that fee will be a monthly payment now I'm in a contract have to buy my way out but can stop services at anytime

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25 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: Kriya Capital, LLC
State: CA

Complaint narrative:
This is erroneous! Your agency failed to provide the monthly payment, terms, credit limit, past due, and date of last payment as it is missing from the report. It is your agencys job to investigate my dispute as it is severely affecting my scores negatively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I have repeatedly requested for this account to be deleted based upon a letter from XXXX XXXX stating that the debt would be forgiven and the account deleted from my account. To this date the account remains on my credit report and both XXXX XXXX and Experian, keep updating the account instead of deleting it. XXXX XXXX stated that she would send me a Settlement Agreement after I returned the letter she send me with my signature for my review. I have never received that Settlement Agreement from XXXX XXXX or anyone else at XXXX XXXX to review and/or sign.

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 2021-09-25 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: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25 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: Nelnet, Inc.
State: CA

Complaint narrative:
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I was looking at my credit report on XX/XX/2021 and notice I have unknown items on my credit report that I have no knowledge of, I have never done any consumer transaction with these businesses, my other problem is how can you let these companies furnish you with untrue, unproven and misinformation on my credit report without you notifying me that these items were going to appearing on my report, I have not given consent or authorized to do any consumer transaction with me. So I did further research and find out I was impacted by the Equifax data breach I have sent you a letter and you have not responded back to me yet!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25 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: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
This is erroneous! Your agency failed to provide the monthly payment, terms, credit limit, past due, and date of last payment as it is missing from the report. It is your agencys job to investigate my dispute as it is severely affecting my scores negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: LA

Complaint narrative:
This is XXXX XXXX Paypal account email address is XXXX. 

I Received A Response To My PayPal Message Center Chat With A PayPal Representative On XX/XX/2021 At XXXX Saying That I Will Be Receiving A Email Around XX/XX/2021 Advising Me That I Can Withdraw My Funds. 
It's Now XX/XX/XXXX And I've Already Received The Email From PayPal Informing Me That I Could Withdraw My Funds But As I Expected PayPal Is Giving Me A Run Around Saying I Still Have To Wait 180 days. I've Already Waited 180 days, I HAVE Proof, One Is Actually Saved In My PayPal Message Center Incoming Box/ It Can Be Found As It Is Dated XX/XX/2021 At XXXX And It Was Sent By XXXX XXXX PayPal Representative. 
Also I Have The Email That I Received From Paypal Informing Me That I Could Withdraw My Funds Now. 

Even Though I Have Documented Messages Saved On PayPal 's Customer Service Message Center and A Email From PayPal, PayPal Has Told Me That I Still have to wait 180 days. PayPal Has Incorrect Information Regarding My Accounts Limitation, The Records PayPal Supposedly Saves Is A Joke. Every PayPal Representative I Talk to Tells Me Different Information About My account And Different Withdrawal Dates, PAYPAL obviously Can't Manage Their own Customer Account Data records. But PayPal Somehow Still Acts Like I'm The One Who Is Incorrect And I'm The Reason My Account Was Limited. 
The last response I received from paypal was a executive Escalations Department Representative Agreeing And Validating That A PayPal Representative Instructing Me To Create A New Account And Told Me When To try to Transfer Money, Knowing My Account Would Be Permanently Limited By Doing So. 
AGAIN The Representative Confirmed That It Was True That A PayPal Representative While On The Phone With Me, Instructed Me To Do Actions That PayPal Knowingly Knew Would As A Result Cause A Permanent Limitation. 

No Other Business Operating In The World Today Activity And Knowingly Persuades And Instructs Account Holders To Do Actions That Would Cause Said Account Holder To Have His or Her Account Locked. THIS SHOWS THE INCOMPETENTS, DISGUSTING BUSINESS ETHICS, AND FRANKLY FRAUDULENT WAYS PAYPAL OPERATES THEIR COMPANY. 
PayPal Knew The Actions They Instructed me to make would Cause my account to be permanently limited. 

PayPal should have a investigation Performed On Every Department And If An Investigation Were To Be Done On PayPal, I'm sure PayPal Would Be In Hot Water And Be in a lot of trouble. 

PayPal should be Shut down For Their Own Customer service representative Fraud And INCOMPETENTs.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25 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: MD

Complaint narrative:
I am identifying myself as the consumer, XXXX XXXX. As the consumer, I am requesting to see where Transunion is getting the information of an alleged bankruptcy they are reporting on my credit file! I have requested my consumer report from XXXX which is where Transunion told me they got the information but it is not on my XXXX report. I have wrote to the bankruptcy court who have informed me that they do not report to credit reporting agencies yet, Transunion has the bankruptcy court as the furnisher on my credit file. The fact that Transunion is telling me they got their information from XXXX but is reporting the furnisher as the bankruptcy court is a violation. My report is supposed to be 100 % accurate but it is not. According to 15 USC 1681n you are criminally and civilly liable and can be sued for damages to my file if this is not deleted

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Dear CFPB, I disputed 2 times from Experian Bureau to dispute incorrect information from my credit report but they failed to investigate and didn't delete inaccurate accounts from my credit report and showed that they completed the investigation and the accounts will be remaining in your credit report. In the disputed notice, I showed to Experian that Under Fair Credit Reporting Act ( 15 U.S.C. 1681i ) 611 ( 5 ) ( a ) ( i ) 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 ( i ) promptly delete those items of information from the file of the consumer, or modify those items of information, as appropriate, based on the results of the investigation.

But after reinvestigation, they didn't verify those accounts and showed that they completed their investigation and those accounts will be remained in your credit report and violated FCRA. So I want to report to CFPB that Experian Bureau did fraud by not deleting those accounts which showing in my credit report as unknown. I sent dispute letters to Experian to validate or verify those accounts by showing some documents with my signatures but they failed to verify and didn't delete those from my credit report and violated FTC or FCRA. 

Thank You, 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 non-monetary relief
Consumer complaint received 2021-09-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
I was signed up for auto payment with Uber credit card by Barclays. They are supposed to automatically withdraw my payment every month. They turned off the autopay without telling me. I paid in full one day late. When I chatted with them, they assumed responsibly, telling me they had a computer problem and turned off the autopay for everyone. I asked them to remove the {$29.00} late fee. They said it would be removed when my payment posted. My payment posted and its still there. Ill probably get it removed, afte a hassle but how many millions in bogus fees has this glitch earned the company? Someone should protect consumers from fraud like this.

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 2021-09-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMA Advisors, LLC.
State: AZ

Complaint narrative:
Violation of XXXX Timely escrow payments and treatment of escrow account balances.

Loan fully paid on XX/XX/2021. Balance in escrow still has not been paid out timely. They are in violation of the 20 business days. 

Funds have not been received.

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 2021-09-25 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: Carvana Group, LLC
State: IL

Complaint narrative:
my partner and i bought a car on XX/XX/XXXX because carvana offered a car by XX/XX/XXXX if i purchased now. i needed a car an thought the cost was too high for a XXXX XXXX at total around {$17000.00} or about that. this was after the loan, taxes, and everything, my partner has no credit issues but hasn't built any so we wanted to finance a car to build them some, so we agreed to the 9.2 % even though it was high. the terms of the sale told us to insure the car and upload the documents buyers valid license. we sent in every document and the car delivery was set for XX/XX/XXXX. On XX/XX/XXXX our carvana account asked me to resign the document and pick a date from XX/XX/XXXX and on for delivery, for 3 days i called and argued that there were violations to laws being made, we need the car and i wont accept it after XX/XX/XXXX, finally by the XXXX they said it would come XX/XX/XXXX at XXXX, this day my number went straight to management who told me verbally that there were no changes to my contract and said it had to be resigned because of the delivery date. when i looked at my contract it had said my interest rates were now 26.194 %. they refused to change the contract so i wont sign it. im contacting you to help consumer protection. the state of illinois is also being cheated out of taxes because carvana doesn't properly register cars, i've seen endless people claim titles are missing and lost meaning the state want paid but people were charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25 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: IA

Complaint narrative:
Hello my name is XXXX XXXX and XXXX filing this complaint on behalf of myself and THERE IS NO UNAUTHORIZED THIRD PARTIES INVOLVED. I recently filed a complaint with Experian on XX/XX/2021 about some disturbing information I noticed on my credit report and I havent heard anything back in regards of that dispute. Who game Experian permission to report anything on me? Im furious and need answers now!

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 2021-09-25 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have contacted you previously explaining that I have been a victim of identity theft andthere are several fraud inquries that were done using my personal information. This was unauthorized an FRAUD

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 2021-09-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
Hello my name is XXXX XXXX and Im filing this complaint on behalf of myself and THERE IS NO UNAUTHORIZED THIRD PARTIES INVOLVED. I recently file a complaint with TransUnion on XX/XX/2021 about some disturbing information I noticed on my credit report and I havent heard anything back in regards of that dispute. Who gave TransUnion permission to report anything on me? I need answers now. Im 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 2021-09-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I am writing today to notify the CFPB about an issue that is related to Identity theft. I have notified the collection company, ( RESURGENT/LVNV FUNDING ) and they have failed to comply with my request. Im now in the process of filing a lawsuit against the offending company, as well as the original creditor which is XXXX XXXX XXXX I have all supporting documentation, and will upload the police report as well. Please take all necessary steps to have this information removed permanently, and notify me of all findings.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25 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: EQUIFAX, INC.
State: IA

Complaint narrative:
Hello my name is XXXX XXXX and Im filing this complaint on behalf of myself and THERE IS NO UNAUTHORIZED THIRD PARTIES INVOLVED. I recently filed a complaint with Equifax on XX/XX/2021 about some disturbing information I noticed on my credit report and I havent heard anything back in regards of that dispute. Who game Equifax permission to report anything on me? I need answers now! Im XXXX furious!!

Company response to consumer: Closed with explanation