vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
My original complaint, XXXX, was about not getting loan information on time to make the 1st payment and GM Financial not responding to my calls. Today I finally received the information from GM  Financial, I bought the new truck on XX/XX/2020, and it shows me being a month late already. I sent the 1st payment to the dealer as instructed and my check has cleared my bank. I called GM Financial customer service as soon as I received the letter and all they will say is they don't have it and I must find out how it was sent, when it was sent. This is all  information they and the dealer, XXXX XXXX XXXX in XXXX XXXX FL have, not me. As before they have not returned a call to me concerning this problem. Also, I have heard nothing about the first complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Without my required permission of credit report service, Tu*Transunion XXXX XXXX XXXX CA had been charged my XXXX XXXX  master cards total {$660.00} from XX/XX/XXXX iniial {$1.00} to XXXX XXXX {$21.00} total 30 transactions which were {$21.00} every first day of the month fromAug. XXXX to XXXX XXXX and XX/XX/XXXX 4 times each was {$21.00} ; and from XXXX XXXX to XXXX XXXX were {$27.00} each months. Because I did not check my statements I did not know the charges untill XX/XX/XXXX, I found the unknown charges. I called Transunion XXXX XXXX XXXX and XXXX XXXX XXXX or emailed to tui XXXX many times and spoke to XXXX XXXX and manager also, so far I only get 5 transactins credit back, now I hope you can help me to get all 30 transactions back .Thanks!

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 2020-10-23 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: LA

Complaint narrative:
I have tried to dispute a XXXX account due to litigation & it being involved in the lawsuit with XXXX. Experian is the only credit bureau that continues to fail to do a complete investigation. My results come back the same day in less than three hours as updated but no information has been updated. I even added a statement and it still showed as updated with no information updated.

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 2020-10-23 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: NY

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

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 2020-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
W

hen I mailed in a request for my credit file to be unfrozen, and a separate request for my credit record, I received a response that my SSN had been updated as the resolution to a dispute. I had not submitted any sort of dispute. I set up an account at my.equifax.com - despite the horrendous terms of service/legal agreement - for the sake of trying to fix this. My credit record is currently unfrozen according to my account at my.equifax.com - however, the " dispute '' form shows that I have a " Legislative Security Freeze '' on my account. As a result, I can not refinance my mortgage ( banks/mortgage specialists say that a soft pull shows my account is still frozen with Equifax ).
When I called to attempt to fix this, at on the first couple attempts I was told that my account is unfrozen and the banks must be wrong. Then I was able to call someone who said they could see the legislative freeze,  but that their attempts to fix it failed because the " system was updating '' and I need to call back later. I've called since then, but I'm told that I failed verification and that I can not get any help over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Someone listed my account on a website as a vendor. I was sent multiple payments from people outside of the USA. I forwarded the emails and reports to Paypal. I also declined the payments as I am not a vendor and do not sell items online. Paypal closed my account and kept my cash on hand, stating I can have it in 180 days. I have called reporting the fraud was not my doing on XX/XX/20 - the number I called was ( XXXX ) XXXX. I gave all the data including the fact that earlier that day I had forward the emails to the XXXX. I was told I would have a formal response in 72 hrs. I got nothing. I called again XX/XX/20 the automated system recognized my number and would not transfer my call it hung up on me. I then reached out via XXXX  on XX/XX/20 was advised the issue would be escalated. I today, XX/XX/20, got an internal email on the Paypal platform addressed to XXXX ( not my name ). Per user agreement the account is permanently limited. No explanation of what violation was made. I am the one who reported the fraud and now I have lost access to my account and funds. While I understand if I violate the agreement then my account can be limited how is it fair that I was the party that reported the fraud/scam and lost my account and have to wait for my funds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-23 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: TX

Complaint narrative:
The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX  XXXX XXXX Account XXXX XXXX XXXX XXXX   XXXX  # XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY 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 2020-10-24 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: SC

Complaint narrative:
I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS A FEW LATE PAYMENTS REPORT ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, AND XX/XX/XXXX FOR MY XXXX XXXX ACCOUNT. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. 
IT WOULD HELP ME IMMENSELY IF YOU COULD GIVE ME A SECOND CHANCE AND MAKE A GOODWILL ADJUSTMENT TO REMOVE THE LATE PAYMENTS.

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 2020-10-24 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'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS A FEW LATE PAYMENTS REPORT ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, AND XX/XX/XXXX FOR MY XXXX XXXX ACCOUNT. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. 
IT WOULD HELP ME IMMENSELY IF YOU COULD GIVE ME A SECOND CHANCE AND MAKE A GOODWILL ADJUSTMENT TO REMOVE THE LATE PAYMENTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 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:
I HAVE REVIEWED MY CREDIT FILE AND FOUND SOME DEROGATORY ACCOUNTS AND A FEW ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THESE DEROGATORY ACCOUNTS AND INQUIRIES HAS TAKEN A TOLL ON MY CREDIT FOR THE WORSE. I HAVE NO KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. THEY DO NOT BELONG TO ME AND WERE NOT AUTHORIZED BY ME. I AM ASKING THAT YOU PLEASE INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE.

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 2020-10-23 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP
State: MA

Complaint narrative:
I received a US bank reliacard in the mail this week. Based on research, it should be sent to people who have filed unemployment claims. I am employed and have not filed a claim.

I was notified earlier this year that a fraudulent claim was filed in my name. I reported it to the appropriate authorities.

I will not activate the card, but I want to know if there are other steps I should take to protect myself.

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 2020-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

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 2020-10-23 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: NY

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 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: TX

Complaint narrative:
The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX  XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX # XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BBVA FINANCIAL CORPORATION
State: AZ

Complaint narrative:
This is regarding BBVA aka Compass Bank. My mother passed away in XX/XX/XXXX and her estate disbursed two checks on major banks. I have been trying to open an account to use my inheritence  to purchase a home as was my mothers XXXX wish. I have been going round and round since XX/XX/XXXX with multiple visits to the branch and nearly two dozen phone calls most of which have gone  unanswered trying to get an account opened up. I was told they needed to speak with the legal department because even though the checks were issued to the now defunct trust that they were provided a copy of and signed over to me by my brother as he is co trustee they didn't know if I could use them or if they'd need to be reissued to the estate of. After nearly a week " legal '' got back to them and stated we could use them as issued and I just needed to provide a TIN for the defunct trust and I need to sign a multiple trust agreement. Great! my brother can go into a local branch ( since we live in seperate parts of the state ) and I can go into mine and sign and everything will be hunky dory Can you give me this multiple trust agreement and I'll get this taken care of? The banker states she's never heard of this document. I ask can she get it from " legal ''? She doesn't know! She states to look on XXXX for this document. I Obtain my TIN and take time off work to go in only to be told now they need to have " legal '' approve my TIN. I tell her Should be about two days. I start calling at two days and three days later I'm told it's approved and I just need to provide them with this multiple trustee agreement that nobody knows anything about. This banker waited nearly two weeks to attempt to locate this form  that she new I would need so I could deposit over {$72000.00} in checks! My mortgage company, my brother, my REALTOR have all been in contact with this banker trying to get this done! We have postponed closing on the house for a month causing undue stress on me and my brother because of the lack of professionalism by this banker. It's bad enough that we just lost our mom but this treatment has the potential to cost us thousands of dollars and should not happen to anyone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 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: NV

Complaint narrative:
I am a victim of ID Theft and i've been needing help. Both XXXX   and XXXX  have already completed their work and its been beneficial, im thankful for their expertise and professionalism. On this hand, with Experian, on several different occasions dating back to XX/XX/2020, I've tried to have Experian investigate these fraud items through mail and over phone and both times, they continue to fail me as the staff there continue to say they cant " find '' the documents i send to them.

I try to upload, and i continue to get rejected and failed attempts by there system, it really feels like Experian has me blocked out of assistance. I feel very much violated how some companies can fraudulently report nonsense on my credit report and get away with it month after month with no resistance due to Experian not doing their job for the consumer ( me ).

Here i am on CFPB uploading/sending the necessary documents requested by Experian, again, in order for them to properly investigate and block these fraudulent items i have listed.

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 2020-10-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
The student loan servicer engaged in unconscionable commercial practices, deceptive conduct, and misrepresentations when servicing thousands of New Jersey consumers student loans.

Navient s deceptive and unconscionable tactics at various times over the last decade Steering borrowers into forbearance instead of income-driven repayment plans better suited to their financial circumstances. Failing to inform borrowers of deadlines to recertify their eligibility for certain income-driven repayment plans. Misleading borrowers about the amount of their delinquency.
Also, two counts of New Jersey Consumer Fraud Act ( CFA ) violations one for unconscionable commercial practices and deception, and one for misrepresentation.

" Navient had a responsibility to help financially struggling borrowers select a loan payment solution that offered them a fair chance to pay back their debt. Instead, the company incentivized its employees to put company profit above their legal obligations, with little or no regard for the student borrowers who fell deeper into debt as a result.  '' Desire to join action : State of NJ, XXXX, AG XXXX, NJ DCA Dir. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: United PanAm Financial Corp.
State: CO

Complaint narrative:
On XX/XX/XXXX I purchased a XXXX XXXX XXXX  from XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX, Colorado XXXX. I put a {$1500.00} down payment on this vehicle The total price of this vehicle was {$6000.00}. I was financed through a third party financing company named United Auto Credit at a rate of 21 %. United Auto Credit address is XXXX XXXX XXXX XXXX XXXX, Texas XXXX. I have been trying to get my license plates for this vehicle through the local DMV but was told twice now that they ( DMV ) has not received the title from the car lot nor the finance company. The DMV has given me two 60 day temporary tags but can not issue anymore without the title or necessary paperwork. So far I've paid nearly {$4000.00} into a vehicle that I can not legally drive or even obtain the title for. Obviously, I can not return the vehicle without damaging my credit. I have lodged a complaint through the DMV, the XXXX, the FTC, and now the CFPB. I've also spent over a {$1000.00} on general maintenance and other repairs on this car.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24 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:
I HAVE REVIEWED MY CREDIT FILE AND FOUND SOME DEROGATORY ACCOUNTS AND A FEW ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THESE DEROGATORY ACCOUNTS AND INQUIRIES HAS TAKEN A TOLL ON MY CREDIT FOR THE WORSE. I HAVE NO KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. THEY DO NOT BELONG TO ME AND WERE NOT AUTHORIZED BY ME. I AM ASKING THAT YOU PLEASE INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE.

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 2020-10-24 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:
I HAVE REVIEWED MY CREDIT FILE AND FOUND SOME DEROGATORY ACCOUNTS AND A FEW ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THESE DEROGATORY ACCOUNTS AND INQUIRIES HAS TAKEN A TOLL ON MY CREDIT FOR THE WORSE. I HAVE NO KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. THEY DO NOT BELONG TO ME AND WERE NOT AUTHORIZED BY ME. I AM ASKING THAT YOU PLEASE INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
None of the issues I checked matched my issue. Two months ago I received a letter from Capital One that they were decreasing my credit limit from {$8500.00} to {$1500.00} because I wasn't using enough of my available credit to warrant such a high limit. I was using the card regularly and I had recently updated my financial status that I was employed. My credit score dropped 34 points and soon after another 6 points even though I had done nothing differently and all of my bills are paid on time. This should be illegal and they should reinstate my {$8500.00} credit limit. Another two cards I have had recently raised my limit without me even asking. That is how it is supposed to work right? 
P.S. Consumer Advocate XXXX XXXX suggested I reach out to you and is aware that Capital One is doing this to their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: MO

Complaint narrative:
Mitchell D. Bluhm & Associates were shes in 2016 for violating Fair Debt Collections Practices Act. They have placed a collection on my credit report without proper written or call notification of an alleged debt from more than 5 years The debt was never verifiable, validation nor written communication providing an estimate barred date was not given. This is a scam company that has violated the Fair Debt Collection Practices Act ( FDCPA ) that has placed a collection on my credit report without proper written notification of an alleged debt. This is horrible that this even allowed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I tried to dispute the inaccurate information that's negatively impacted my credit score and the results came back as the negative items remaining on my credit score

Company response to consumer: Closed with explanation