vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC.
State: WI

Complaint narrative:
I got auto financing through XXXX XXXX ( XXXX XXXX ) with Exeter Finance. These are BOTH dishonest, unfair companies to go through. I put $ XXXX down on a XXXX XXXX XXXX in XXXX of XXXX. The amount that was financed was $ XXXX and some odd dollars. TODAY, a whole year later, the amount of my payoff quote is, get this : $ XXXX! 

I am now a single mom, who lost her job to COVID-19, and Im struggling to keep up with my bills. I contacted Exeter Finance to try to work things out as soon as I learned that I wasnt going to be allowed to come back to work just yet. The representative I spoke to said that they would put 2 months of payments on the back of the loan and that would help with or take care of some of the interest fees.  This was told to me in XXXX of XXXX. TODAY, Monday XX/XX/XXXX, I called Exeter Finance again to see how come my loan payoff is MORE than what was financed. I got the run around and had to pull teeth to get a direct answer for one and for two, I was told that ALL of my last payment got applied to the interest ONLY and NOTHING went to the principle! I wonder HOW MANY TIMES have they done THIS ; quite often Im sure because theres NO WAY that my payoff amount should be MORE than what I had financed, this is highway robbery, and now, during a global pandemic, is the WRONG time to be pulling this mess! This company lied to me, didnt inform me on how my payments would be applied, and refuses to do ANYTHING to make this right for me, the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 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: Credit Plus Inc
State: MO

Complaint narrative:
On XX/XX/2020 there are 3 inquiries from XXXX XXXX and two from XXXX XXXX. 
These are ALL REgarding ONE refinance inquiry I made. I contacted XXXX XXXX of XXXX XXXX. After sending him documents FOR TWO WEEKS to look for a lender as he deals with wholesale mortgage lending. He informed me that he had no time to work with me and said he was handing me to XXXX XXXX to manage. This guy sits in a desk near XXXX and he said he would give him my file. 

WITHOUT INFORMING ME, he pulled my credit report. However, instead of reviewing my file carefully, XXXX XXXX made TWO MORE inquiries on my credit file. I NEVER was told the name of his company XXXX, he simply made 2 more inquiries!!!! Further, he stated that he must 'pull a report ' three times for each bureau! He lacks understanding of the process and I want two of those inquiries removed as they were not done with permission or consent. I have another mortgage lender I am working with and they received ALL 3 credit bureau reports in ONE 'pull ' or inquiry. 

Thank you for helping me get these removed. I did confirm with XXXX XXXX that he works 'under ' XXXX XXXX but that he has his company XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 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: AR

Complaint narrative:
I called XXXX to get TV service. While I was trying to set things up, I was told that there had already been an account open under my name and that it had an outstanding balance due. I explained to them how incorrect that information was, but they can do. My identity has been compromised and I decided to get my report pulled to see what was happening. I found several unknown accounts that do not belong to me except the dish network account they informed me about, maybe it still has not been reported, I am not sure. Please get these fraudulent accounts off 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 2020-06-08 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: AR

Complaint narrative:
I called network to get TV service. While I was trying to set things up, I was told that there had already been an account open under my name and that it had an outstanding balance due. I explained to them how incorrect that information was, but they can do. My identity has been compromised and I decided to get my report pulled to see what was happening. I found several unknown accounts that do not belong to me except the dish network account they informed me about, maybe it still has not been reported, I am not sure. Please get these fraudulent accounts off 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 2020-06-08 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: VA

Complaint narrative:
Equifax ; XXXX and XXXX should not be reporting a chargeoff on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account is in judgment status and scheduled payments are being applied. This continuing to report an account in judgment status is a violation of the Fair Credit Reporting Act. It is mandated by the FCRA that accurate information be reported on a credit report. This false reporting of a chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: P.S.C., Inc
State: WA

Complaint narrative:
In XX/XX/XXXX I was treated for XXXX XXXX at XXXX XXXX. I received one bill  for this visit from XXXX. It has been determined that this bill was paid. However, I still discovered that a collection of {$590.00} from this vist was put on my account on XX/XX/XXXX. I did not pay this because I believed I already had. Later on, I disputed this collection because I believed this debt was paid on XX/XX/XXXX. However, on XX/XX/XXXX I was informed by Puget Sound Collections that this was a separate bill from a XXXX XXXX XXXX XXXX, not the XXXX XXXX. The Collection agency claims to have sent a notice to me to XXXX XXXX XXXX in XXXX, WA. However, I am completely unsure of where they got this address from. At the time of this hospital visit, I was living in XXXX, WA which I had been since XXXX, XXXX. This can be seen through my personal information from the hospital and an addition to a lease agreement. The XXXX XXXX  was able to have my address, because they sent my a bill and it was paid. I did move shorlty after this visit, but it was not to a XXXX XXXX . You can see I moved out of XXXX in XX/XX/XXXX. I moved to XXXX, WA but our mail was forwarded to XXXX XXXX XXXX. Again, I do not know where XXXX XXXX XXXX came from, but it was not the correct address to reach me at and it is not right that this is negatively affecting my credit when I did not have the opportunity to pay this in a timely manner. I did not provide this address and it is not an mailing address connected to me.

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 2020-06-08 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: CARD Corporation
State: OK

Complaint narrative:
On XX/XX/2020 I am sitting on my couch when XXXX, which is a food delivery company in the XXXX charged my card {$66.00}. I immediately cancelled my card and contacted XXXX. After days on me trying to get answers and being unable to contact the card holder CARD.COM to get info on my money back due to them being short staffed from covid. XXXX finally responded back and told me they flagged the account that my card was used on for fraud but stated I had to get the money back from card.com. 

I am reporting card.com because after speaking with a representative in the fraud department she told me it is not their job to provide security for their cards. They are a business and they provide a service. They feel like I should have been better and not ordered someone food in the XXXX. I told her there is no way I am just sitting on my couch in America ordering food for people in the XXXX. 

I think the American people should know that CARD.COM doesn't feel like they have to provide card security while holding our money on their platform.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
on XX/XX/2020, I revceived a notification on all three credit bureaus that Credit Collections Services, XXXX XXXX XXXX, XXXX, MA XXXX Reported a debt allegedly owed by me to XXXX XXXX XXXX : acct # XXXX XXXX XXXX Amount {$360.00}. This was the first time I was informed of this attempt to collect this debt, So I immediately sent a certified letter to Credit Collections Services, requesting full verification of this debt. The letter was received by one of their agents on XX/XX/2020 at XXXX am. On XX/XX/2020, I received a bill from Credit Collection Services for the {$360.00}, but no type of verification Pursuant to 15 U.S.C 1692g of the fair debt collections practices act, I am legally entitled to request that the supplier of this unverified information supply me with all the information, including the information on the original creditor, all accounting that led up to this figure that they are reporting and a signed contract giving them the legal right to collect on this debt, furthermore, I want to see their bonding information and licenses stating that they have the legal right to collect in the state of Florida. 

Credit Collection services has failed to respond to my request, continues to report this information to the credti bureaus and has even updated the dates without responding to my request, which is a blatant violation under section 15 U.S.C 1692g of the fair debt collections practices act.

Enclosed is a copy of the USPS tracking that clearly shows that they received my request and blatantly ignored it. 

I spoke to a customer service rep from the company on XX/XX/2020 by the name of XXXX XXXX, and he informed me that they have my address listed as XXXX XXXX florida as opposed to where I live in sunrise fl, but that should not make a difference.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Harris & Harris, Ltd.
State: WA

Complaint narrative:
A few numbers identified as belonging to Harris & Harris have called me on many occasions to leave the same, automated message. I have not received any letters from Harris & Harris and am not aware of collections activity on any of my accounts. The call usually comes from ( XXXX ) XXXX and so far I have had 20 voicemails since XXXX with an automated message that just tells me to call them back. I have not called them, as I have no reason to believe there is a valid claim and I don't want to be caught in a scam. They are not even specifying who the intended recipient is. 

I have attached a partial call log showing the voicemails.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 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: National Credit Adjusters, LLC
State: UT

Complaint narrative:
A change on my credit report came in under NCA ... Origional creditor was XXXX XXXX and it was open in XX/XX/XXXX. I have not had a single payday loan since XXXX from anywhere. However my ex has been pulling random loans including a student loan in my name. I sincerely believe this is an act of fraud and do not have ownership or knowledge of this account. I also live in Utah and have lived in Utah since XXXX where most places will not allow online loans in Utah for some reason. The last loan I did was a title loan from XXXX XXXX XXXX and it has been paid back in full since then.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: MA

Complaint narrative:
I have disputed this online with them. Called them to dispute over the phone. They would not or could not give me specific information or how it relates to me. I requested the paper invoices and contracts as this Creditor looks be be a XXXX XXXX XXXX XXXX. I was fully in my own HOUSE and definitely do not qualify for low income or subsidized housing. On XX/XX/XXXX or XX/XX/XXXX XXXX They advised they would send out the information to verify or fill a identify theft report. I received the Identity theft form Requesting my signature and address and SSN but no other paperwork with specific details regarding the debt itself which seem fishy to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 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: AR

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX XXXX {$100.00} XXXX XXXX {$7700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 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: CA

Complaint narrative:
I have formally requested that XXXX  XXXX XXXX  XXXX  validate all trade line listings they have submitted to the three major credit reporting agencies. Due to possible in accuracies in these reports I demanded that the validation requested be in the form of a verified statement by a person with original knowledge of the debt who can testify that the debt was incurred legally, was not subsequently disputed as a result of returned, faulty, or recalled consumer product, was not utilized as a profit loss tax deduction during the period it may have been payable, and was not claimed as a loss with and insuring entity during the period it may have been payable. I have requested competent evidence that I have some contractual obligation in relation to this trade line. 

I have not received such evidence which constitutes a breach of my civil rights, thus these items must be removed. At this moment in history, I refuse to have my civil rights taken away from me as I watch what is happening to people of my race in this country who have not only been vastly affected by this pandemic economically, but who have also had their civil rights disregarded by those in authority.

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 2020-06-08 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: CA

Complaint narrative:
I have formally requested that XXXX  XXXX XXXX  XXXX validate all trade line listings they have submitted to the three major credit reporting agencies. Due to possible in accuracies in these reports I demanded that the validation requested be in the form of a verified statement by a person with original knowledge of the debt who can testify that the debt was incurred legally, was not subsequently disputed as a result of returned, faulty, or recalled consumer product, was not utilized as a profit loss tax deduction during the period it may have been payable, and was not claimed as a loss with and insuring entity during the period it may have been payable. I have requested competent evidence that I have some contractual obligation in relation to this trade line. 

I have not received such evidence which constitutes a breach of my civil rights, thus these items must be removed. At this moment in history, I refuse to have my civil rights taken away from me as I watch what is happening to people of my race in this country who have not only been vastly affected by this pandemic economically, but who have also had their civil rights disregarded by those in authority.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 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: CA

Complaint narrative:
I have formally requested that XXXX XXXX XXXX XXXX  validate all trade line listings they have submitted to the three major credit reporting agencies. Due to possible in accuracies in these reports I demanded that the validation requested be in the form of a verified statement by a person with original knowledge of the debt who can testify that the debt was incurred legally, was not subsequently disputed as a result of returned, faulty, or recalled consumer product, was not utilized as a profit loss tax deduction during the period it may have been payable, and was not claimed as a loss with and insuring entity during the period it may have been payable. I have requested competent evidence that I have some contractual obligation in relation to this trade line. 

I have not received such evidence which constitutes a breach of my civil rights, thus these items must be removed. At this moment in history, I refuse to have my civil rights taken away from me as I watch what is happening to people of my race in this country who have not only been vastly affected by this pandemic economically, but who have also had their civil rights disregarded by those in authority.

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 2020-06-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I created a PayPal account on XX/XX/2020 to sign up for PayPal Credit and purchase a desk from XXXX. The next morning, on XX/XX/2020, I received mail that an issue with my PayPal Credit account had been detected and that my account was permanently banned. Upon calling PayPal, I was told that my account was permanently banned due to some " risk, '' that the exact risk was proprietary information that could not be shared with me, and that there was no appeal process. 

Since then, I have filed a complaint with the XXXX  as well as attempted to work with PayPal 's Office of Executive Escalations to understand why my account was limited, sending several emails in XXXX, XXXX, and XXXX. I received a response on XX/XX/XXXX via email, as well as a phone call from PayPal Executive Escalations stating they would allow an appeal and asking for additional information, including my ID and a statement from Synchrony Bank ( the issuer of the PayPal Credit account associated with my PayPal account ) that any issues with the account are resolved. I did contact Synchrony on XX/XX/XXXX, and confirmed they did not deny my application for PayPal Credit and that my account was open and good standing despite PayPal preventing me from using it and saying the application was denied. 

On XX/XX/XXXX, the XXXX  administratively closed the case, despite it not being resolved. I have not heard back from PayPal, nor has their website allowed me to upload any additional information supporting my case. I believe this is a violation of the Fair Credit Reporting Act and the Equal Credit Opportunity Act, as any denial requires a letter of adverse action be sent with the reason for the denial.

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 2020-06-08 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 contact all 3 credit bureaus about these fraudulent accounts on my credit report and no actions have been taken. I will take legal action because this is just ridiculous. I've also contacted the FTC regarding these fraudulent accounts.

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