vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-24 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Paramount GR Holdings, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX I filed an application for a loan to cover the costs of solar panels on my house. I was referred to this company ( LoanPal ) by the sales agent for the solar panel company. ( XXXX XXXX XXXX XXXX ) I was approved for credit ( XX/XX/XXXX ) and was scheduled to make my first payment on XX/XX/XXXX. Since I opted out of automatic electronic pay, I waited for the company to provide me with an invoice. Towards the end of XXXX, I had not received an invoice so I contacted XXXX XXXX XXXX, the XXXX XXXX   XXXX representative, and inquired as to how I was to effect my first payment since I had not yet received an invoice and it was close to the due date. Within days of speaking with XXXX XXXX, either XXXX XXXX, XXXX, I received the invoice. Knowing that payment would be late due to late arrival of invoice, I hurried the next business day to send the payment through a money order by mail. By XX/XX/XXXX I began to receive multiple calls from a representative of LoanPay ( XXXX ) and he was insistent on signing me up for automatic electronic pay which I explained to him that I had opted-out of autopay. This person persisted on calling me repeatedly on my cellphone until I decided to make a one-time payment through my wife 's credit card to get him off my back and to expedite receipt of payment. Since I had already mailed my payment, I waited to hear back that payment had arrived and that it would either be submitted as credit to be applied for the month of XXXX or returned to me. Due to the COVID-19 situation, I was not able to contact anyone at LoanPal but was hoping to clear up this issue as I live on a monthly pension and have limited financial resources. I completely forgot about this issue due to the worsening of COVID-19 complications and sometime after XXXX, after again not receiving an invoice on time to make a timely payment, I started getting calls from the LoanPal representative regarding my XXXX payment. I explained the situation regarding the double payment sent the month before and he completely disregarded my explanation and continued to once again insist on signing me up for auto-pay and I again I refused and informed him that I had opted out of that option and that I was not about to make a second double payment. I began getting emails and phone calls attempting to force me into making another payment and I opted to writing LoanPal/Customer Service through email furnished by XXXXXX/XX/XXXXXXXX. I was not able to get any resolution and they insisted that my monthly payment was delinquent and that I would accrue additional late fees. I opted to wait to send the XXXX payment but harassing calls and emails have persisted, insisting that I now owe them {$160.00}. I get 5-6 harassing calls or emails per month.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
These are not my accounts nor are the addresses on file listed are mine Please remove them.

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 2020-06-24 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: TX

Complaint narrative:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is vry incorrect. XXXX XXXX XXXX {$2100.00} XXXX XXXX   XXXX {$200.00} XXXX  XXXX {$2800.00} XXXX XXXX {$250.00} XXXX XXXX XXXX {$14000.00} XXXX XXXX   XXXX $ XXXX XXXX XXXX {$100.00} XXXX XXXX {$2200.00} XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX {$85.00}

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 2020-06-24 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is vry incorrect. XXXX XXXX XXXX {$2100.00} XXXX XXXX   XXXX {$200.00} XXXX  XXXX {$2800.00} XXXX XXXX {$250.00} XXXX XXXX XXXX {$14000.00} XXXX XXXX   XXXX $ XXXX XXXX XXXX {$100.00} XXXX XXXX {$2200.00} XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX {$85.00}

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 2020-06-24 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are not my accounts never had them all these inquiries was not made by me please delete. I contacted companies and they said contact the credit bureau I didn't notice until now XXXX XXXX Miscellaneous Individual XX/XX/XXXX XXXX XXXX Miscellaneous Individual XX/XX/XXXX XXXX/XXXX   Banks Individual XX/XX/XXXX XXXX/XXXX Travel / Entertainment Individual XX/XX/XXXX XXXX XXXX XXXX Travel / Entertainment Individual XX/XX/XXXX XXXX  XXXX XXXX  Individual XX/XX/XXXX XXXX XXXX  Automotive Individual XX/XX/XXXX XXXX XXXX XXXX Finance / Personal Individual XX/XX/XXXX XXXX/XXXX  XXXX Travel / Entertainment Individual XX/XX/XXXX XXXX XXXX  XXXX Finance / Personal Individual XX/XX/XXXX XXXX Finance / Personal Individual XX/XX/XXXX XXXX XXXX XXXX Banks Individual XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX bank has 3 cards. I never had XXXX XXXX card XXXX  not mines XXXX   Finance / Personal Individual XX/XX/XXXX XXXX  XXXX XXXX   XXXX  Finance / Personal Individual XX/XX/XXXX XXXX XXXX  XXXX Automotive Individual XX/XX/XXXX XXXX   XXXX XXXX  Finance / Personal Individual XX/XX/XXXX XXXX XXXX XXXX/XXXX  XXXX  Individual XX/XX/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 2020-06-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: NY

Complaint narrative:
Back in XX/XX/XXXX my husband XXXX was laid off due to covid 19 and his company having to temporarily close. I applied and was approved for a forbearance plan with my mortgage company. Since that time I have been attempting to apply for mortgage assistance and having the missed payments added to the end on my loan. I have made over 20 phone calls to specialized loan servicing. At first I was told my application was complete and just waiting on a decision multiple times Then on XX/XX/XXXX XXXX I was told my application is to light and I need to resend. I was told it had to be scanned so I had to go out an buy a printer and scanner ( I spoke to XXXX at XXXX explained I live in NY and am under strict quarantine but he said that was the only way my application could be accepted ). So I did that and resent Then on XXXX at XXXX I spoke to XXXX who said everything was recieved and awaiting decision. Again on XX/XX/XXXX XXXX everything was accepted waiting on approval. Then on XXXX I was told they needed an original application that I must print and mail so I did that. On XX/XX/XXXX called at XXXX said application was received and now need pay stuns from XXXX since he is back at work. I sent pay stubs. XX/XX/XXXX XXXX said they need a months worth of pay stubs when XXXX was now back at work for a month told them I would send on XX/XX/XXXX which I did and its registered on website that 4 weeks worth of pay stubs have been received. Also on XX/XX/XXXX I was told I needed to provide disaster documentation and insurance company claims. I explained I was not part of a disaster and receved no insurance funds. I was told I had to write a letter starting such which I did and uploaded on XX/XX/XXXX. Now on XX/XX/XXXX I just called and spoke to XXXX at XXXX. Said I have to show proof I am not part of a disaster recovery and also additional pay stubs for one consecutative month. I explained they have all of this, She said she will submit application but will not be approved. I am so frustrated. This is becoming a full time job. My husband lost his job fir 3 months all I am asking for is to move the payment ffom XXXX to XXXX to end of loan and I will start making payments XX/XX/XXXX. What a terrible company to deal with absolutely no compassion and I am a XXXX XXXX XXXX. I work in a XXXX  with XXXX XXXX XXXX each day and have to come home and fight with Specialized Loan Servicing

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 2020-06-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Trans Union LLC refuses to remove negative information on my credit report caused by identity theft while I was in XXXX. I was in XXXX  from XX/XX/XXXX through XX/XX/XXXX in New Mexico. I had no control over my financial accounts during this time period. This information on my credit report affects my FICO score negatively. 
XXXX XXXX XXXX  complaint filed : This message is regarding Complaint ID # XXXX Trans Union LLC Thank you for following up with XXXX  regarding your position in the above-mentioned dispute. 
We understand you are NOT satisfied with the businesss response, and have noted your dissatisfaction in our files. While we regret we were unable to reach your desired resolution, the business has provided XXXX   with its position. This matter is now closed in XXXX  files, and will appear in the companys XXXX  XXXX XXXX as : Answered - the business addressed the issues within the complaint, but the consumer remains dissatisfied.

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 2020-06-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: PA

Complaint narrative:
I am being contacted by a debt collection company working for HSBC Bank to collect a balance of {$690.00}. After several voice mails threatening to bring legal documents to my home or place of employment, I returned the call to find out what is going on. I am currently working on getting my debts paid and there was already a payment arrangement in place with XXXX XXXX XXXX to start auto payments. Upon speaking with this company, I withdrew the agreement. I returned a call to XXXX XXXX XXXX XXXX and spoke with a man by the name of XXXX XXXX. I used the referred case number given. When I spoke with him, the first thing he told me was they were employed by HSBC to issue a forceful collection act against me if I did not make a payment. I explained that in the state of Pennsylvania that is illegal to threaten anyone with wage attachment. He argued with me that they can in fact sue me. I told him I was aware I could be sued, but that my wages could not be attached so I would be discuss options, but not to threaten me by coming to my home or place of employment. I do have the voice mails saved and attached the transcription. He then told me they would sue me and attach my wages. I told him to go ahead and do it. He told me " good luck in court '' and hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Back in XX/XX/2020 I sent a certified letter to XXXX, XXXX, and TransUnion regarding incorrect, accounts that they are reporting in my credit report. This also included over 15 addresses and multiple incorrect versions of my name, phone numbers, and employment information. 
I asked that the personal information gets deleted as they are outdated and no longer applicable to my current status and for fear of identity theft, asked that the information should be deleted, which they have not deleted per the most updated credit reports that I have received in XXXX. 
There were several accounts that reports as charged off and or in collections, and for each of the credit bureaus, the information across all three has not been reporting correctly, in the amount of the debt, date of last activity, and many other areas that is reporting incorrectly. I sent letters requesting that these information is disputed and requested that upon the outcome of their investigation that I receive updated credit reports, and method of investigation process none of this has been done. 
Responses from the bureaus are that the items are verified and remains, I sent follow up letters asking for the methods of verification, and received again that the accounts are verified and or updated. 
During said process I have sent certified letters to the collection company 's and have got back responses that they either do not have documents and are contacting the original creditor and or asking me to provide them with documentation to support my request for them to validate the debt. 
it is now XX/XX/2020 and I have not gotten any results from the credit bureaus and or collection companies. 
Please help me in getting closure and or results from these companies XXXX, XXXX, Transunion ( XXXX XXXX XXXX-XXXX XXXX ), XXXX XXXX ) ( XXXX-XXXX XXXX XXXX ) ( XXXX XXXX-XXXX XXXX XXXX ) Thanking you in advance

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 2020-06-24 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:
Back in XX/XX/2020 I sent a certified letter to Equifax, XXXX, and XXXX  regarding incorrect, accounts that they are reporting in my credit report. This also included over 15 addresses and multiple incorrect versions of my name, phone numbers, and employment information. 
I asked that the personal information gets deleted as they are outdated and no longer applicable to my current status and for fear of identity theft, asked that the information should be deleted, which they have not deleted per the most updated credit reports that I have received in XXXX. 
There were several accounts that reports as charged off and or in collections, and for each of the credit bureaus, the information across all three has not been reporting correctly, in the amount of the debt, date of last activity, and many other areas that is reporting incorrectly. I sent letters requesting that these information is disputed and requested that upon the outcome of their investigation that I receive updated credit reports, and method of investigation process none of this has been done. 
Responses from the bureaus are that the items are verified and remains, I sent follow up letters asking for the methods of verification, and received again that the accounts are verified and or updated. 
During said process I have sent certified letters to the collection company 's and have got back responses that they either do not have documents and are contacting the original creditor and or asking me to provide them with documentation to support my request for them to validate the debt. 
it is now XX/XX/2020 and I have not gotten any results from the credit bureaus and or collection companies. 
Please help me in getting closure and or results from these companies Equifax, XXXX, XXXX  ( XXXX XXXX XXXX-XXXX XXXX ), XXXX XXXX ) ( XXXX-XXXX XXXX XXXX ) ( XXXX XXXX-XXXX XXXX XXXX ) Thanking you in advance

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 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: NV

Complaint narrative:
These are not my accounts nor are the addresses on file listed are mine Please remove them.

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 2020-06-24 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: NV

Complaint narrative:
These are not my accounts nor are the addresses on file listed are mine Please remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
Due to the TEXAS lemon law they can only report the payments I paid. I paid all my payments on time. When the car broke down, the car can not be fixed. They can not continue to charge me or report me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I notified transunion and XXXX  that I an a victim of identity theft and they said that they verified a fraudulent account. How can a fraudulent activity be verified as not fraudulent, please again see attached police report and ftc report along with my identification

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 2020-06-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
BBVA Compass closed my account, due to inactivity. But they did not send any sort of a notice before or after. Because of this unilateral account closure, my credit scored experienced a drop.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 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: ID Analytics, Inc.
State: NY

Complaint narrative:
I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
I visited BofA office on XXXX XXXX ( Saturday ) to make the international wire transfer ( XXXX XXXX $ ). The money was withdrawn from my account on XXXX XXXX ( Monday ), but the recipient still hasnt got the funds ( today is XXXX XXXX ). The wire transfer details are correct.

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 2020-06-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC
State: VA

Complaint narrative:
XXXX keeps giving a debt I do not owe to different collection agencys and they keep putting it against my credit. I have talked to XXXX and they said they have cleared it up that was in XXXX and now they have given it to receivables performance and they have put it against my credit. I have XXXX  on voice mail and email saying they messed up and had a different amount than what receivables performance is saying.

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