vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-17 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 am so tired of going back-and-forth with this the bureau you are allowing the same fraudulent company XXXX to consistently re-age and re-report a fraudulent account. The funny thing is every time I call you guys immediately take it off and admit that it is a fraudulent account but every few months we have to go through this so now I'm coming to look at some of finance protection bureau for some help. They change the dates or the amounts slightly in order to continue this XXXX. The account numberer XXXX IS XXXX I SICK OF THIS SOMEONE NEEDS TO DO SOMETHING IMMEDIATELY AS SOON AS I TOOK MY FRAUD ALERT OFF MY CREDIT TO APPLY FOR A HOUSE YOU GUYS ALLOW THIS TO HAPPEN AND THEY DESTROYED MY CHANCES OF ACQUIRING MY HOME MY PART OF THE AMERICAN DREAM AND WORSE I LOST MY XXXX ESCROW. Also you guys wiped out all my good credit causing XXXX XXXX and various others to close down my accounts for a fraud account but left all the fraudulent inquiries that were linked to the accounts where the XXXX does that make sense. These address have are fraudulent that has been reinserted that's has been to various accounts that's has proven fraudulent and thus removed for my credit. 
XXXX XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, FL, XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX XXXX, FL, 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 2020-08-17 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: EQUIFAX, INC.
State: VA

Complaint narrative:
Debt by XXXX XXXX XXXX XXXX XXXX ( XXXX ) for {$200.00} being reported on credit report is incorrect and has been fully paid for ( see attached ). This must be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
Wayfair is an extremely unprofessional company, even though they are all over the media drawing consumer in their dark web, like me. I order a California King Size Bed, A Corner Desk and A Chest of Drawer for this company. When I found a professional to assemble my bed, he and I discovered I was sent the wrong size bed, I verified my order details and it clearly state California King Size. I purchase new mattresses ( California King size ) they hang off the mattress by 2 feet on the side at least. Bed appears to be a Queen. When I called them yesterday the Customer Service Representative was apparently not having a good day. He argued with me they sent what was order, and I was XXXX  and did not know what a California King size bed is. I said " sir I currently have a California King size bed ''. I ask him to send someone to break down the bed and send back and credit my checking account as it is not my fault the company sent the wrong size bed. I told him I was already out of expense in having someone put the bed up and it is only fair for them to cover the cost to have it broken by down and reshipped. He told me they would not be doing that and hung the phone up in my face. I have two other items that needs to be sent back, a chest of drawer that was to go with this bed, I need shipped back Wayfair expense. I have attempted to stop the shipment of a corner desk that has not arrived yet. I will never order from this company again. I am at their mercy in that they have my debit card information to credit back at their will.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 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: DISCOVER BANK
State: WI

Complaint narrative:
Discover is trying to charge me for fraud charges made on my account. I alerted them to the fraud and they refuse to remove the charges. The fraud amount to {$8200.00}. 

Discover says they don't have to remove these charges because a security hold was removed over email. 

I can be contacted at XXXX XXXX XXXX, for more details. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 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: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
Paid the auto loan off entirely in XXXX. Never heard from 53rd until I checked their site and saw a {$150.00} payoff fee in the description. Was 53rd just going to hold my title forever unless I called in?? I paid the {$150.00} fee on XX/XX/20, a week went by still no word or activity on my account. Called and after a 20 minute hold was told I had to wait 10 days. I have a buyer and trying to sell this car this week and 53rd is holding my title hostage. Escalated to a manager and was told there is nothing they can do. So they make you pay this {$150.00} fee three months after the loan balance was paid in full which is terrible, then make you wait longer and jump through hoops just to get the title. This is the second CFPB case I have had to open with 53rd in the past year. They are difficult to work with and do not care about their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Debt by XXXX XXXX XXXX XXXX XXXX ( XXXX ) for {$200.00} being reported on credit report is incorrect and has been fully paid for ( see attached ). This must be removed 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 2020-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Debt by XXXX XXXX XXXX XXXX XXXX ( XXXX ) for {$200.00} being reported on credit report is incorrect and has been fully paid for ( see attached ). This must be removed 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 2020-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Portfolio Recovery Associates, LLC
State: AR

Complaint narrative:
There is inconsistency in credit card information on my account showing under portfolio association. One says derogatory and the other says unknown payment status. Also it has the original creditor name but no buyers name in the information. I would like a letter of verify my debt, that shows my signature. Also I would like the name of the individual whom I was said to sign with. Also the payment history is inaccurate and has inconsistency.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation
State: NY

Complaint narrative:
Bridgecrest Financial - Acct # XXXX In approximately XX/XX/XXXX I was struggling financially to maintain my car loan after contacting the car company with a 91 day delinquency they informed me that my loan was charged off and if I wanted to keep my car a XXXX XXXX XXXX I would have to pay them {$1900.00} to keep the car and {$480.00} per month after that no later than the XXXX of the month. 
I have maintained this agreement until recently when I lost my job due to COVID-19 & a work slow down at my employer. 
My complaint is that on my credit report this loan shows as charged off and none of my payments have been noted or deducted, this account being inaccurately reported is having a negative impact on my credit life and it is causing me a great deal of stress and negatively affecting my ability to obtain new credit, a mortgage and new jobs. 
I have made contact with Bridgecrest and asked for a credit bureau update or correction and they informed me that nothing will change until the loan is paid in full. 
Please help me if possible looking for the account to show Im current since I have been paying the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: XOOM CORPORATION
State: VI

Complaint narrative:
Following XXXX Xoom ads stating that they can transfer funds directly into recipient bank account Worldwide, I have decided to give it a try on XX/XX/2020. I booked online with Xoom a transfer of funds to my sister in laws bank account in XXXX, XXXX. Up to now, XX/XX/2020, the recipient didnt receive the fund. I have contacted XXXX Xoom many times regarding this matter, they keep asking to wait indefinitely.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc.
State: PA

Complaint narrative:
I moved out of my apartment at XXXX XXXX  XXXX XXXX in XX/XX/2016. I made all final payments and the management company at the time, XXXX XXXX, claimed that I owed move out fees and costs. The management company then entered a judgement against me in the amount of {$4300.00}. I appeared in court on XX/XX/2016 and the plaintiff 's claim for rent and fees, was dismissed. This debt was then sold to the collection agency, Professional Debt Mediation. Professional Debt Mediation has been reporting this debt on all 3 of my credit reports, since XX/XX/2016, after the case was dismissed. I attempted to dispute this inaccurate debt, with all 3 credit bureaus and the collection agency. All parties claim to have verified this debt as accurate and continue to report this untrue debt. I called Prof Debt Management and was told by a very rude rep named XXXX, that my case dismissal was only to stop an active eviction. I advised the rep that I was never evicted and this case has been dismissed in XX/XX/2016 under the court of law. The rep then told me that I in fact owed this debt, without even providing proper proof of said debt. In addition, to me not legally owing this debt - there are several reporting errors found, such as date opened and date of last activity, just to name a few. I am demanding a PROPER and COMPLETE investigation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
On Monday XX/XX/2020 @ XXXX I received and text message and email from PayPal asking me if I was trying to pay XXXX. I immediately replied " NO '' and received another text from PayPal thanking me and to please change my password. 

I logged into my account, changed my password, and saw three ( 3 ) separate charges for XXXX to XXXX XXXX XXXX . At the same time I was getting XXXX thank you emails in XXXX. ( I do not speak XXXX ). 

A few minutes later another line item popped into my papal account for one XXXX credit. 

Still on XX/XX/2020 I logged into my XXXX XXXX checking account that is tied to PayPal, there were no withdrawals. I thought all was settled at that point. 

On XX/XX/2020 I logged into my XXXX XXXX checking account and saw that three ( 3 ) withdrawals for XXXX were taken by PayPal and given to XXXX XXXX XXXX . There was also one ( 1 ) credit from PayPal for the same amount, XXXX. 

I logged into my PayPal account and tried to talk to someone. The only method made available was chatting VIA the website. This was almost impossible as it took 8 hours in some cases to respond. In the end I filed a compliant for the 2each XXXX charges that had not been reimbursed. I very clearly told them these were not authorized and assumed it was just a mistake by paypal. 

The response from PayPal was that they considered these authorized because they had on file an authorization, that I was unaware of. I have asked 3 separate times to talk to a human but they have so far refused. The only help they offered ( VIA chat ) was that I should contact my bank. 

The transactions they allowed unauthorized are XXXX and XXXX. 

A very quick search finds this to be a common problem that has 10 year history. Please put a stop to letting these XXXX? hackers steal money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-17 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX, account number XXXX is wrongfully appearing on Experian, XXXX and XXXX credit bureaus.The debt is not owed.The debt is from an older car lease which was subsequently rolled into a new one.The car dealer stated there was no outstanding debt that was not rolled into the new lease.I have included the lease contract for confirmation of this fact.

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 2020-08-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: OH

Complaint narrative:
I was a loyal customer of XXXX XXXX for many years, i never one time was offered any promotions or upgrades on equipment. I called them to see if there was anyway i could get new equipment since the old equipment that i originally had was old and wasn't working properly. one of there representatives transferred me to their supervisor to assist me. the supervisor then told me that i qualified for an upgrade, and that they would send me new equipment and a tech out to hook it up. After a month of having the new equipment i received a outstanding bill for the upgrades that XXXX XXXX supervisor didn't make me aware of or discussed. i also found out that they started a new contract that i never agreed to. When i called to discussed theses matters they kept giving me the run around about my issues, telling me that they would have a someone reach out to take care of the problem but never did. i also made them aware that i was on new contract that i never gave authorization to. I tried reaching out to XXXX XXXX on multiple occasions but fell short with talking to someone that could help. After months turned into years after not speaking with anyone or resolving the issue i then get notification on my credit report that XXXX XXXX sold my bill to a debt collector. the amount of money that they are claiming is unfair and inaccurate.

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 2020-08-17 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Amscot Corporation
State: FL

Complaint narrative:
I went in on the XX/XX/2019 and paid the loan, signed a piece of paper, got handed a piece of paper and walked out the door.. Now I am trying to get a loan from a real company and I am not able to get it due to {$57.00} that they are claiming I never paid.. Now why am I going to go in there and pay another {$57.00} if I already paid it once.. Yes almost a year later they expect me to still have the receipt and of course I dont so I am being told to go back in and pay again.. What is wrong with this picture and when can I be able to get a loan I really need and what did they clerk do with my money???

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Central Portfolio Control Inc.
State: KY

Complaint narrative:
We are paying XXXX XXXX Hospital in XXXX payments on a bill. There were two accounts on the total. When paying, early even, they kept applying the payments to the smaller account number even when it was paid. Therefore, the bigger charge went unpaid. When Central Portfolio Services called us, I then called the hospital to see why we were being called when payments were being made.They realized what had happened and said that they would rescind the collection. I even checked the following month and they said that they had rescinded it as they said they would. However, that charge is on my credit and Central Portfolio is not removing it. It says that it will remain there until XX/XX/XXXX. Central Porfolio is continuing with collection calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX, account number XXXX is wrongfully appearing on XXXX, transunion and XXXX credit bureaus.The debt is not owed.The debt is from an older car lease which was subsequently rolled into a new one.The car dealer stated there was no outstanding debt that was not rolled into the new lease.I have included the lease contract for confirmation of this fact.

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 2020-08-17 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: CA

Complaint narrative:
XXXX XXXX XXXX, account number XXXX is wrongfully appearing on XXXX, XXXX and equifax credit bureaus.The debt is not owed.The debt is from an older car lease which was subsequently rolled into a new one.The car dealer stated there was no outstanding debt that was not rolled into the new lease.I have included the lease contract for confirmation of this fact.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX as Trustee Under Pooling & Servicing Agreement bought my mortgage, which was sold to HomeQ, then Ocwen and then to PHH Mortgage. Ocwen Loan # XXXX, HomeQ  Loan # XXXX, Property Address : XXXX XXXX XXXX XXXX, XXXX, GA XXXX ( XX/XX/XXXX ). 

I obtained a HAMP modification with HomeQ Servicing on XX/XX/XXXX. At the time of my modification the new principal balance was {$200000.00}. When the loan was transferred to Ocwen they  added deferred principal of {$83000.00} and extended the loan from 30 years to 44 years. Bottomline, since I have been paying on this loan ( XXXX to today - 14 years ), my principal balance is showing {$250000.00}, when the original loan amount was {$270000.00}. This means that with 168 payments ( over 14 years ) of approximately {$1200.00} ( each month ) = {$210000.00} paid, PHH Mortgage is saying I only paid down {$22000.00} from the principal. This does not make any sense. I need to see the entire amortization schedules from the onset of this loan. 

Please help me investigate this. Thank you. XXXX ( XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Citibank closed my checking account without any notification to get out of paying the promotional bonus fees they have advertised. I opened the checking and savings combo for the {$500.00} bonus, which states that an overall {$15000.00} balance needs to be kept for 60 days. The only requirement for both accounts to be kept open was to have the overall balance of {$10000.00}. I had more than {$15000.00} in the savings from XX/XX/XXXX to XX/XX/XXXX and they still closed the checking, thus there is no way to receive the bonus. I have contacted their customer service over the phone on XX/XX/XXXX, when they explicitly stated that I will not be paid out. I am removing the funds out of the account today, XX/XX/XXXX. 

The chat is included below where I asked why my checking was closed, agent said that it was due to need for higher verification and can be reopened. This is untrue when I called, as they claimed it was closed due to non-existing prior deposits, also untrue as I deposited {$4900.00} from the savings account into the checking account on XX/XX/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 monetary relief
Consumer complaint received 2020-08-17 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: NJ

Complaint narrative:
Experian is not reporting any of my open accounts, despite numerous written letters and disputes. I need a supervisor to look into this account.

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