vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-30 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Sunset Management, Inc
State: SC

Complaint narrative:
I intended to make all loans current as soon as I could. I just recentley have gotten to a place financially where i can begun paying again. I was out of work with XXXX in XXXX. And out of work intermittenley all year due to an national chip crisis in the automotive industry. Sc unemployment took 6months to approve my lay off wages. I also had a XXXX XXXX for the past XXXX weeks. Sunset finance has worked wth me quite well but after explainung all this to them the calls, the at home door knocking and letters on my door step, contacting my relatives, sitting in my elderly mothers front yard or driveway etc etc need i say more ... it gotten way out of hand. And i will not pay anything because I am being harassed to do so. In the process of all this i also had to make a residence move in XXXX and did not informt he company ( not intentionally ) but somehow they acquired my new address and were waiting on me in my complex parking lot when i srrived after a very long frustrating day. I made a payment that day and informed the manager I would be back as soon as my short term XXXX began. But the day I cashed my 1st check the manager was knocking at my door at XXXX on a saturday for 2hrs straight. So i havent made a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I went into the branch to open an account on XX/XX/21 and everything went smoothly I made my opening deposit of {$100.00} and {$3900.00} so deposit totaling {$4000.00} the next day I went to deposit my work check and was advised I couldnt deposit checks only cash which was weird for me so I went inside to speak to a teller and found out that the account was under review and that it was being closed and I would have to wait for a check I asked them when will that be and was advised they didnt know no Im out of XXXX of saved up money that I worked hard for for it to be token like that without an explanation I feel like Ive been robbed

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 2021-06-30 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: IL

Complaint narrative:
Trans Union continues to report inaccurate information regarding my credit file. Trans Union is reporting current up to date accounts as potentially negative accounts. 

Trans Union reported a XXXX delinquent account when the accounts are paid and no longer reportable on my credit report. 

Trans Union continues to report accounts that have been charged off, and accounts that are business accounts are being reported on my personal account. 

Trans Union continues to report soft hits as hard hits, and duplicated information causing damages and denial of mortgage approval and other accounts. 

Trans Union continues to report inaccurate information after receiving a 30 day notification to correct any and all inaccuracy within 30 days.

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 2021-06-30 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: OneMain Finance Corporation
State: OK

Complaint narrative:
Sent validation letter to XXXX XXXXXX/XX/2021. Received letter from Creditor XX/XX/2021 stating could not investigate my dispute. Creditor keeps selling loan to different collection agency. 3rd collection letter received from different collection company XXXX XXXX. Agreement and signature not provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 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:
I have contacted XXXX andTransunion on XX/XX/XXXX once again to uploan the supporting document to show that this bankruptcy was not verified though XXXX XXXX or the Courts. I have also mail these document three times in the past, the most recent was XX/XX/XXXX. I received no response from Transunion, or XXXX. I would like them to remove this bankruptcy off of my credit report immediately.. Please review my supporting documents in which I have uploan on XX/XX/XXXX. As you can clearly see my document state that they do not report to credit bureaus or any credit reporting agencys. XXXX XXXX has removed this item as of 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 explanation
Consumer complaint received 2021-06-30 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Investigation has taken more than 30 days. I sent the first letter on XX/XX/XXXX and the issues have STILL NOT BEEN RESOLVED. I have asked Equifax for proof of validation for several items but instead I was sent a copy of my credit report. I demand that XXXXXXXX XXXX in the amount of {$840.00} be immediately removed from my credit report. 

Also, per 15 USC 1681b 2 : I demand Equifax Information Services Inc. remove the following inquires as I never gave written instruction to reflect the inquiries : 1. XXXX - XXXX XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 3. XXXX XXXX - XXXX XXXX XXXXXX/XX/XXXX 4. XXXX XXXX - XXXX XXXX XXXXXX/XX/XXXX 5. XXXX XXXX - XXXX : XX/XX/XXXX 6. XXXX - XXXX XXXX XXXX XXXXXX/XX/XXXX 7. XXXX - XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
A debt of {$10000.00} has been posted on my credit report linked to a XXXX XXXX XXXX XXXX XXXX account. I worked for XXXX XXXX XXXX for 3 months in XXXX and had opened a charge card. I used it while employed there. Upon leaving the company I received a letter from XXXX asking if I would like to keep my account active. I accepted. I never used my card. My last statement dated XX/XX/XXXX to XX/XX/XXXX showed a XXXX balance and a credit limit of {$4000.00}. 
I have not received any statements from XXXX XXXX XXXX since then and had no knowledge of any activity on my account until a negative remark showed up on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SIMMONS FIRST NATIONAL CORPORATION
State: AR

Complaint narrative:
I asked the fraud department at Simmons Bank XXXX XXXX Arkansas to dispute 2- {$300.00} transactions, withdrawals by XXXX which I did not authorize. I am being told because I entered my debit card into their app, I can not dispute the charges. I was in the office of XXXX, I believe XXXX, of the XXXX XXXX branch of Simmons Bank the afternoon of XX/XX/XXXX. At that time, only 1 transaction had occurred. In her office, I logged into the app and removed everything connecting XXXX to my checking account. There was no card information in the app when the second withdrawal was made from my account. The bank will not dispute this transaction either. 

In this app, every transaction receives specific authorization. I never gave XXXX blanket authority to access my account at will. I do NOT understand why my bank not only won't dispute the charges and recover my money, but they told me to close my account and I would not be allowed to open another at XXXX. This is what 36 years of business gets you at XXXX. 

I am the victim here! This {$600.00} is more than XXXX of my social security check. 

Do I have some avenue to dispute these transactions. I tried communicating with XXXX over and over. All they did was send me software instructions for making a transfer. 

Can you help me? I have about a XXXX dollars between me and the XXXX Wednesday of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 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: OR

Complaint narrative:
XXXX XXXX XXXX This account was settled and paid on XX/XX/2021 however they are still reporting the balance of {$74000.00} on my credit report. It has been more than 60 days now. The balance needs to report as XXXX or have the account deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 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: OR

Complaint narrative:
XXXX XXXX XXXX This account was settled and paid on XX/XX/2021 however they are still reporting the balance of {$74000.00} on my credit report. It has been more than 60 days now. The balance needs to report as XXXX or have the account deleted 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 2021-06-30 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: AMERICAN HONDA FINANCE CORP
State: NJ

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MN

Complaint narrative:
i have been workinig with the companyy to repay mortgage behind by 20 months i have been told i am eligable for plans then the company doesnt give me the correct information. i spoke with sps was told i was eligable for a program in MN then 2 days afer when i called back i was told my account had been sent to an attorney and i couldnt even make a payment and there was nothing they could do. i was informed there is a moritorium on forclosure in my state and they are supposed to allow me a loan modification by extending the term of my mortgage. they have given me a date of XXXX XXXX for the attorneys next step. i want to keep my home and have even sought forbearance. at this point they have no interest in helping.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have these accounts that are not mine nd i want it to be remove from my credit report asap. 

1. Identity Theft JPMCB CARD Account XXXX : XXXX This is not mine. 

2. Identity Theft XXXX Account XXXX : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
A debt of {$10000.00} has been posted on my credit report linked to a Saks Fifth Avenue Capital One account. I worked for Saks Fifth Avenue for 3 months in XXXX and had opened a charge card. I used it while employed there. Upon leaving the company I received a letter from Saks asking if I would like to keep my account active. I accepted. I never used my card. My last statement dated XX/XX/XXXX to XX/XX/XXXX showed a XXXX balance and a credit limit of {$4000.00}. 
I have not received any statements from Saks Fifth Avenue since then and had no knowledge of any activity on my account until a negative remark showed up on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: NJ

Complaint narrative:
I have tried 3 attempts to contact this company ( Enhanced Recovery Company ). Ive tried contacting their company on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX which is why I have CC CFPB to enforce that I receive what I am requesting as a consumer. I have contacted this company regarding a debt that their office is reporting to my credit report, Ive asked for Debt Validation and still have not received a response. To my knowledge this is violating both the FDCPA and the FCRA. If this company can not send me validation upon my request, and even having to ask for this information 3 times makes me assume as a consumer that this company can not validate this alleged debt. If this is indeed the case, this debt should not be reporting to my credit report. I am asking that they cease all activity of trying to collect this debt and remove it from my credit report. I have gave this company ample time to respond to me. I have asked for validation XX/XX/XXXX and followed up XX/XX/XXXX and no responses neither time and now have sent a letter XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
In XXXX and XXXX of 2021, I filed a dispute with Experian and XXXX credit bureau about the unverified accounts XXXX XXXX XXXX Account number XXXX and XXXX XXXX  account number XXXX. I have asked numerous times for a response and I have not received anything in response from these bureaus in over 60 days. So now I'm contacting the cfpb to step in and help me get this issue resolved for FCRA non-compliance and because I have not received a response from this company about these 2 unverified accounts as of today Which is a violation of the Fair Credit Reporting Act. These collection agencies are supposed to notify me of their investigation results within 30 days.. Thank you

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 2021-06-30 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:
THE ACCOUNTS/INQURIES LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY AND PHOTO ID TO APPLY FOR THESE FRAUDULENT ACCOUNTS AND FILL OUT APPLICATIONS IN MY NAME I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRAs. On XX/XX/2021, I mailed Equifax, XXXX and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
on XXXX i sent transunion dispute letter to validate this alleged debt XXXX XXXX XXXX  XXXX XXXX XXXX and to prove ownership that this account really belongs to me. To this day they never sent me proof of this alleged debt. I am extremely stressed that Transunion is reporting unverifiable, invalidated account on my credit report. imma sue them, i cant deal with this XXXX.They are in violation under 15 U.S.C section 1692g, i was never notified of this in writing 5 days prior. I do not validate this debt. I REPEAT, I DO NOT VALIDATE this debt. They are also in violation under 15 U.S.C 1681b, i never gave any written consent to report this account on my credit report. NO CONSENT IS IDENTITY THEFT!!!

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 2021-06-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: WI

Complaint narrative:
I have literally sent this company a copy of my SSN, a copy of my ID, a police report, a fraud packet. In the mail and in an email. And they STILL have not removed this from my credit report. It has been MONTHS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cornerstone Mitigation
State: FL

Complaint narrative:
I KEEP GETTING MESSAGES FROM cmg associates about a person owing a debt to them, I told them am not the person they looking for but they keep calling and leaving threatening messages to my voice mail

Company response to consumer: Untimely response
Consumer complaint received 2021-06-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD

Complaint narrative:
We have a mortgage with Select Portfolio Servicing. During the COVID 19 crisis, we were offered a forbearance plan, which we accepted. We received a letter stating that the end to the forbearance period was nearing. At that time, XXXX of 2021, we submitted a request for assistance, as it was impossible for us to come up with the {$17000.00} that they were requesting. We received a response back that stated that they were " unable to offer us assistance '', that there were no " programs available ''. We are now trying to refinance with a different mortgage company, and are facing a roadblock, because the recent payment that we submitted was credited to a month that was during our COVID relief forbearance.I have ( as instructed by Select Portfolio Service ) applied again for Mortgage assistance. I was told that this is the only way that I will be able to have my payments recorded correctly, and that is IF we are offered an assistance plan this time. This has got to be the most unfair treatment by a mortgage company. They offer assistance because of a financial crisis, and then suddenly expect that you are able to come up with a huge amount of money at the end of the crisis, in order to keep your home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 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: UT

Complaint narrative:
I'm hoping I am in the right place. On XX/XX/2021, I sent my niece {$200.00} via PayPal as a wedding gift. My niece never received it. After looking, it appears i misspelled email address. She uses her college email address and i put a ". '' between her first and last name when no ". '' was needed. Email address i sent to is not a working email address. I tried sending a test email to it and it came back as undeliverable almost immediately. I have contacted PayPal a couple of times and they tell me to contact my debit card issuer as that was where money was withdrawn from. I contacted my debit card issuer, XXXX XXXX XXXX, and they said that should an issue for Paypal to resolve, which I agree with. I have received absolutely no help from Paypal. I get the same canned message from their support team

Company response to consumer: Closed with explanation