vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: WV

Complaint narrative:
In XX/XX/XXXX I called Nissan Motor Finance to get a two month extension that they said I was approved for. In Early XX/XX/XXXX they were calling me and telling me I was 3 months behind. I told them I was not because I got the two month extension. They said I was approved for it but it wasnt applied. So I told them to apply it because I was already approved for it. They said they couldnt because I was showing three months behind. I told them that if they would have done it when it was approved I wouldnt be three months behind. I told them that I was going through a lawyer to file bankruptcy and now they are trying to repo the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
XX/XX/2019 : The Paypal phone app informs me that I can not transfer {$2500.00} to my verified bank account. I called Paypal customer support. 

Transferred to Transactions department. 

1st line person in Transactions Department admits that she can not see why I can not transfer my account balance to my bank account. 

She transferred me to her supervisor. 

Supervisor says that I can not transfer the balance to my bank account because my account is " limited '' ( Restricted in what it can do ). She transfers me to the Account Limitation department. 

I follow the prompts from Paypal 's website and clear the limitation by creating a new password. 

The Account Limitation department 's 1st level person confirms that the limitation is removed and that the transaction should go through. When I inform her that the system is still rejecting the transfer of my balance to my bank account, she tells me that the system is probably restricting the transfer because the account has not been used for this size of a transaction previously. 

I ask her how much the system will allow me to transfer. She says " Try {$500.00}. '' She says that " No one can control the system. '' I tell her that the system is not magical and that I just want to know how much I can transfer, without trial and error. She does not know how much can be transferred. She admits that she is ignorant of that information. Paypal has not trained their staff sufficiently to inform customers of the restrictions on their transfer of their account balances. 

She transfers me to a manager.

The manager, " XXXX '', is also in the Limitations Department. XXXX tells me that the account has not accepted the clearing of the limitation and that I must wait 24 hours. He is condescending in saying he " is sorry that [ I ] feel that way '' and hangs up.

Time used on call was 2.5 hours. 

I have found that severely compartmentalized information, very long hold times, and transfers to multiple departments to be the common process with Paypal. In my role as an attorney, we had an estate with funds in the decedent 's Paypal account. Paypal would not release the money for 9 months, until we finally involved the CFPB. The check was then received 2 weeks later. 

This is a pattern and practice of Paypal to force customers to leave money in their Paypal account. Ostensibly, it is so they can earn interest on the money. 

This is a fraudulent financial practice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-15 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: GA

Complaint narrative:
For well over the last three to four years, every since I found out that I was a victim of Identity theft. I have been sending dispute letters to all XXXX XXXX XXXX. Requesting by law that they supply me with information, even a signature showing I authorized this credit card in my name, which I never did. This blemish has been sitting on my credit reports for years. I never had a credit from this company. This account is hurting my name, my future on obtaining a home loan, it's continuing to hurt my credit on a daily basis. I have attacked this credit card company in every way I know how. I have even sent letters in to the Federal Trade Commission, which referred me to you here at CFPB. XXXX XXXX XXXX has an account under my name, acct # XXXX, CARD ENDING XXXX, BAL. of {$230.00}. I sent a debt validation request letter, which they cant provide me any information of my personal information to me. I have a fraud protection added to my credit profiles. I have police reports of identity theft, which was sent in to all three credit reporting agencies. I demand this account removed my my credit reports. I will even try to take legal action in courts to have this matter handled. This debt is not my debt, Please help me with this matter.

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 2019-10-15 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: GA

Complaint narrative:
For well over the last three to four years, every since I found out that I was a victim of Identity theft. I have been sending dispute letters to all XXXX XXXX XXXX. Requesting by law that they supply me with information, even a signature showing I authorized this credit card in my name, which I never did. This blemish has been sitting on my credit reports for years. I never had a credit from this company. This account is hurting my name, my future on obtaining a home loan, it's continuing to hurt my credit on a daily basis. I have attacked this credit card company in every way I know how. I have even sent letters in to the Federal Trade Commission, which referred me to you here at CFPB. XXXX XXXX XXXX has an account under my name, acct # XXXX, CARD ENDING XXXX, BAL. of {$230.00}. I sent a debt validation request letter, which they cant provide me any information of my personal information to me. I have a fraud protection added to my credit profiles. I have police reports of identity theft, which was sent in to all three credit reporting agencies. I demand this account removed my my credit reports. I will even try to take legal action in courts to have this matter handled. This debt is not my debt, Please help me with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
For well over the last three to four years, every since I found out that I was a victim of Identity theft. I have been sending dispute letters to all XXXX XXXX XXXX Requesting by law that they supply me with information, even a signature showing I authorized this credit card in my name, which I never did. This blemish has been sitting on my credit reports for years. I never had a credit from this company. This account is hurting my name, my future on obtaining a home loan, it's continuing to hurt my credit on a daily basis. I have attacked this credit card company in every way I know how. I have even sent letters in to the Federal Trade Commission, which referred me to you here at CFPB. XXXX XXXX XXXXXXXX has an account under my name, acct # XXXX, CARD ENDING XXXX, BAL. of {$230.00}. I sent a debt validation request letter, which they cant provide me any information of my personal information to me. I have a fraud protection added to my credit profiles. I have police reports of identity theft, which was sent in to all three credit reporting agencies. I demand this account removed my my credit reports. I will even try to take legal action in courts to have this matter handled. This debt is not my debt, Please help me with this matter.

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 2019-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I pulled my credit report and discovered accounts and activity that was inaccurate and or unauthorized. I notified this company to make them aware of my status of identity theft as well as sent them a police report and they have not made the necessary deletions and updates to protect my name and credit status. I am a XXXX, retired XXXX XXXX veteran and I am trying to get and keep my credit worthy status back and intact.

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 2019-10-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PRESTIGE FINANCIAL SERVICES INC
State: IL

Complaint narrative:
I have completed my installment of 60 payment as of XX/XX/19.Why am I am still receiving a bill for the full installment I just paid off. Now I am told that I have additional finance charges and fees to pay. I have repeatedly asked that the company send me a breakdown of charges which would include the dates/ on which the fees are connected to as well as the additional finance charges. I was told by email that my final payment would be XX/XX/19 which would leave fees of XXXX remaining to be paid. I received a statement dated XX/XX/XXXX requesting installment of XXXX again. I am concerned that this company keep changing the amount even though I have made all of my installment payment on this account. I am on a fixed income and can't afford to keep paying these incorrect bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Regional Management Corporation
State: TX

Complaint narrative:
I was under the impression I had paid this debt. I paid $ XXXX. Haven't heard a word from them in 2 years or gotten any paper work. Apparently, I didn't pay the full amount and there was a remaining balance of about {$1000.00} that I now need to pay. While I understand the need to pay it, I was suprised and am not in a financial position to pay right now. I told them that. They didn't accept it. They now keep calling MY JOB. They've called 3 or 4 times and I told them that was unacceptable to keep calling and asking the receptionist for me. Yet they keep doing it. It's embarrassing that I don't have the money to pay. I know it's against the Fair Debt Collection Practices Act. But I don't think they know, I know that. I've have tried calling before and after work and I get a recording on a loop of a man telling me to call during business hours. I can't even leave a message. And they're not first on my list to tend to when I have an occasional break.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Exeter Finance, LLC.
State: IL

Complaint narrative:
In XX/XX/XXXX, I brought my vehicle, it was stated to me that I'll be able to refinance my vehicle within one to two years. XX/XX/XXXX and XX/XX/XXXX, I spoke with a representative from Exeter Finance stating when I'm ready to refinance my vehicle that I can do so with them. I was guaranteed on three separate occasions that I'll be able to refinance my vehicle. In XX/XX/XXXX, I was trying to refinance my vehicle, I spoke with a representative and I was told that I'm not able to refinance my car. I called back again just to verified that I heard correctly, I was told that Exeter Finance DOES NOT refinance vehicles. At this point, I realized that I was fooled by the dealership and by Exeter Finance, I asked this question several times. From this point on, I researched several different financial institutions and all of them denied me of refinancing my vehicle, I've never missed a payment and now I stuck paying a 26 % interest rate that I still owe {$6500.00}. Exeter Finance was very dishonest and they refused to decrease my interest rate despite that I haven't missed not one payment and I was told several times in XX/XX/XXXX, that I'll be able to refinance my vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 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: UT

Complaint narrative:
XXXX XXXX # XXXX is reporting a mortgage to my credit that isn't mine. I have a mixed file and this mortgage belongs to someone else. This is preventing me from being able to buy an investment property and I need it removed. The only bureau reporting it is TransUnion.

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 2019-10-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
I signed up for XXXX in XX/XX/XXXX. 
I decided to cancel in XX/XX/XXXX. 
After I cancelled I began to receive demands from XXXX to pay a {$190.00} early cancellation fee. 
I never agreed to any commitment at all! I was with XXXX for 11 years! What more commitment do they want? 
I called customer service and was on the phone for almost an hour trying to get this resolved. Unfortunately, the representatives they use are overseas and not very helpful. They told me that I had agreed to a 2 year deal to get a discount, and they couldn't help me. I NEVER agreed verbally or in writing. I asked them to provide me with a phone recording or my signature. They could not do either. 
Finally, they suggested that I send an email to customer service. I did that. About a week later, I got a response telling me to call!!! So on the phone they tell me to email, and on the email they tell me to call. 
I then went in to an XXXX store for help. The manager said he would take care of it, and apparently never did. 

Now I just found out that XXXX put a derogatory entry in my credit report! This is OUTRAGEOUS! 
I have no idea who to speak with. Everybody that answers the phone there is another country that can not help. Nobody gives any answers via email.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: WY

Complaint narrative:
I have repeatedly contacted my Servicer, with the desire to resolve and settle my account. My current Servicer was also at one time the owner of my mortgage. My current Servicer denies that they ever owned my mortgage, as evidenced by attachments. Complaints that I have filed with CFPB have been answered insufficiently, with answers that are either incorrect and/or do not apply to the issues. On XX/XX/XXXX, Mr. Cooper Associate, XXXX XXXX, replied to the complaint which I filed on XX/XX/XXXX. The complaint was regarding Nationstar/DBA Mr. Cooper and previous OWNERS of my mortgage who have not sent Welcome and Good-bye letters when my mortgage changed OWNERSHIP, as required by the Truth in Lending Act, 15 U.S.C. 1641 ( g ) Liability of ASSIGNEES states requirements for OWNERS, ASSIGNEES, AND CREDITORS of the mortgage. In her response, Ms. XXXX stated the following : " Our records confirmed that XXXX XXXX XXXX XXXX XXXX has been the active owner of the account since XX/XX/XXXX ; therefore, no notification regarding the change of the owner of the Note as the owner has not changed. '' This is inaccurate information, as proven by attached Assignment of Mortgages dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. According to documents recorded with my local County Clerk, Nationstar Mortgage LLC/DBA Mr. Cooper was the owner between the dates of XX/XX/XXXX and XX/XX/XXXX. I contacted Ms. XXXX by email on XX/XX/XXXX, asking her to address this incorrect information, along with other issues. I have still not received a reply from Ms. XXXX. I am attaching the email which was sent to Ms. XXXX. On XX/XX/XXXX, Mr. Cooper associate, XXXX XXXX, replied to the complaint which I filed on XX/XX/XXXX. Ms. XXXX agreed with Ms. XXXX, stating the following. " Our records confirmed that XXXX XXXX XXXX  XXXX XXXX has been the active owner of the account since XX/XX/XXXX ; therefore, no notification regarding the change of the owner of the Note as the owner has not changed. '' Once again, this is false information, as proven by attached Assignment of Mortgages dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I contacted Ms. XXXX by email on XX/XX/XXXX, asking her to address this false information, but I have still not received a reply. I am attaching the email which was sent to Ms. XXXX, along with Assignment of Mortgages which prove Nationstar Mortgage LLC/DBA Mr. Cooper was the owner between the dates of XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Selene Finance LP

Complaint narrative:
I have contacted my mortgage company Selene Finance on several occasions regarding my credit bureau report. They are not showing an open account and haven't been reporting my payments over the last two years. My last call to them was on XX/XX/2019 and I spoke to XXXX who advised that he would escalate my concern and I should expect a response with 24 hours. I have yet to hear back from the company. I am never given the opportunity to speak with anyone else but the representative that answers the phone. All other customer concerns have to be done via email. This is causing much distress as it is effecting my credit score among other business dealings.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 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: GA

Complaint narrative:
I pulled my credit report and discovered accounts and activity that was inaccurate and or unauthorized. I notified this company to make them aware of my status of identity theft as well as sent them a police report and they have not made the necessary deletions and updates to protect my name and credit status. I am a XXXX, retired XXXX XXXX veteran and I am trying to get and keep my credit worthy status back and intact.

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 2019-10-15 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: GA

Complaint narrative:
I pulled my credit report and discovered accounts and activity that was inaccurate and or unauthorized. I notified this company to make them aware of my status of identity theft as well as sent them a police report and they have not made the necessary deletions and updates to protect my name and credit status. I am a XXXX, retired XXXX XXXX veteran and I am trying to get and keep my credit worthy status back and intact.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IN

Complaint narrative:
Wire transfer on XX/XX/2019 of XXXX. The international wire started at XXXX XXXX  and went to hsbc bank of XXXX NY. HSBC bank will not send the money to the recipient at the XXXX  XXXX XXXX XXXX XXXX. XXXX has tried to contact hsbc bank and do a trace and then recall with no luck or reply.. I keep getting told they can just keep my money and its out of XXXX hands. And if hsbc bank don't do the recall or reply they can just keep the money. I have been on the phone with XXXX everyday for since XX/XX/2019 with nothing. But I have been able to contact the hsbc bank that will not return the money .. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Global Lending Services LLC
State: WV

Complaint narrative:
Repeated Phone Calls, Calling me at my place of employment

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: LDF Holdings, LLC
State: TX

Complaint narrative:
I have tried to contact them several times. They keep telling me that to cancel my loan application I will need personal information which I will not give them. I never contacted or applied in the first place. I keep receiving your payment is due emails but they are deceitful as they want me to complete the loan app online to receive the loan so that I can make a payment. 

" Just in case you needed a little reminder, XXXX. 
Your next loan payment of XXXX is due on XX/XX/2019. 

To avoid any additional fees, please make sure the funds are available in your account. 

If you have any questions, please contact Customer Service. 

View Payment Schedule ''

Company response to consumer: Closed with explanation