vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The inquiry listed below is still reporting on my Credit Reports and needs to delete immediately : XXXX-Date of Inquiry XX/XX/XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: General Motors Financial Company, Inc.
State: MI

Complaint narrative:
We recently purchased a vehicle using GM Financial, and after a few weeks owning it, the van was totaled, and when we went to file the claim, we found that the insurance company never transferred the collision to the new van as they were supposed to. Once GM Financial found out about, they shutdown communicating with us. They told us many times that we are " XXXX '' and " XXXX '' and other awful names. Whenever we'd call, they played their phone games where they'd put us on hold for an hour+ each time, and then the call would get " accidently dropped '' or someone would come on, and then put us on hold again for an hour+. 

When we finally got someone to talk to us, they told us we needed to give them our totaled van back and they would auction it off and put it towards what we owed. They never told us that that would be considered a repossession on our credit. When we asked why no one told us, they denied it. We asked for the van back, but they refused to let us have it. 

And now, they won't accept payments from us, but they are continuing to charge us late fees and report it to the credit bureau. Still no one will answer why. We go back to the transferring and dropping calls games. 

So they are intentionally destroying our credit and racking up late fees when we want to pay. 

Acct # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 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: CA

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
My home at XXXX XXXX XXXX. 
XXXX XXXX Ca XXXX Was foreclosed in XX/XX/XXXX after being denied modification-Although, XXXX XX/XX/XXXXapproved my modification.

I believe I was wrongfully denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
TransUnion is reporting mutiple XXXX accounts on my credit report it infringement upon a consumers rights to privacy pursuant 15 usc 1692

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 2021-09-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: FORD MOTOR CREDIT CO.
State: IL

Complaint narrative:
they've attached a fraud account to my credit report I didn't notice until XX/XX/XXXX when account went bad ived tried several attempts to have remove to no avail there reporting as if there ford motor credit and its a third party collector law firm the account has been closed and written off there reporting month to month as being open and charging interest and fees

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 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: ALLY FINANCIAL INC.
State: AL

Complaint narrative:
Ally noted my account as 30 days delinquent. I have never had issue with payments 30 days late being noted as delinquent on my credit report, as I keep the account current. Not only that, but I have also been trying to work with Ally on deferring payments due to COVID-19 hardships, where each request has been denied. They will have this on record. My issue is that I have never had a 30 day delinquency with them, and if this were to change, I should have been contacted and informed of that. I have been a loaner through Ally for years, but this is an issue that is encouraging me to refinance my vehicle.

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 2021-09-28 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
document attached on the bank and police reports also a letter from chase declining my case

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC
State: DE

Complaint narrative:
I have had XXXX XXXX  consecutively every month since XXXX of XXXX. When moving from XXXX Delaware to XXXX Delaware, they ( XXXX ) transferred my services to the new address. I still have current services with them about {$250.00} per month, for some reason they reported me to collections for an amount of {$93.00}. They have been no help with this matter. I continue to ask them how is it I have current services if I had owed you {$93.00} from 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 2021-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have been in constant communication with Experian regarding the errors and inaccuracies on my consumer credit report. Experian needs to provide documentary evidence for all investigations completed on my investigative consumer report, consumer credit report and consumer credit file. 

Report # XXXX dated XX/XX/21 was mailed to my current address in XXXX , CA with the correct spelling of my name. 

Report # XXXX dated XX/XX/21 was mailed to my current address in XXXX , CA with the correct spelling of my name. 

Report # XXXX dated XX/XX/21 was mailed to my current address in XXXX , CA with a 'XXXX ' added to the spelling of my name. 

I received an email update from Experian dated XX/XX/21 indicating the dispute results were complete. The dispute results now lists my name and address incorrectly. These errors compromise my credit as mail will be sent to an incorrect address and I am exposed and could be subjected to identity theft. 

There are no new accounts that have been added to my consumer credit report within the last 90 days so there should not be reason for my current address to be removed completely and replaced with an incorrect address. I have never extended my credit to any company with the name variations listed on my consumer credit 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 2021-09-28 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: FL

Complaint narrative:
I purchased a vehicle on XX/XX/XXXX of XX/XX/XXXX at XXXX XXXX dealership. upon doing business with this dealership..I ended getting a auto loan from XXXX XXXX XXXX. As a result in XXXX of XX/XX/XXXX the finance company received the full payment remaining of {$40000.00} on XX/XX/2021. Upon receiving payment my credit report was suppose to be updated to PAID not CLOSED and my credit score has been decreasing every since. I have contacted XXXX XXXX and all they would say is we are working on it. it's past 30 days since XX/XX/XXXX of XXXX and I WANT ANSWERS NOW as to why they have failed to update my credit report accurately instead of causing chaos by reporting it was CLOSED causing issues with my credit score instead of raising my credit score it has been lowering my credit score significantly and I have A HUGE PROBLEM WITH THAT. I have disputed that information with all 3 credit bureaus as the account has been paid I even have proof regarding my payment history and the letter that they have sent. as well as the letter stated if i was owed any warranty gap insurance that i would be refunded but i haven't heard anything else about it.

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 2021-09-28 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: FL

Complaint narrative:
I purchased a vehicle on XX/XX/XXXX of XX/XX/XXXX at XXXX XXXX dealership. upon doing business with this dealership..I ended getting a auto loan from XXXX XXXX XXXX. As a result in XXXX of XX/XX/XXXX the finance company received the full payment remaining of {$40000.00} on XX/XX/2021. Upon receiving payment my credit report was suppose to be updated to PAID not CLOSED and my credit score has been decreasing every since. I have contacted XXXX XXXX and all they would say is we are working on it. it's past 30 days since XX/XX/XXXX of XXXX and I WANT ANSWERS NOW as to why they have failed to update my credit report accurately instead of causing chaos by reporting it was CLOSED causing issues with my credit score instead of raising my credit score it has been lowering my credit score significantly and I have A HUGE PROBLEM WITH THAT. I have disputed that information with all 3 credit bureaus as the account has been paid I even have proof regarding my payment history and the letter that they have sent. as well as the letter stated if i was owed any warranty gap insurance that i would be refunded but i haven't heard anything else about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC
State: CA

Complaint narrative:
On XX/XX/2021 I acquired the services of Lexington Law, a credit repair company with the hope they would be able to assist in removing already paid, negative items on my credit reports. Before signing up, I explained my situation in detail to the representative that took my initial call. This person was very empathetic and seemed to understand what I was needing help with. I was hesitant to obtain services from any business that claims to be able to help with credit repair and was sure to express this concern with the representative this during our call. She assured me there would not be any problems and was sure Lexington Law would be able to assist me. 

After agreeing to the service and signing documents, I waited a few days then called to speak with someone about the action they would be taking. I was transferred to someone who seemed to not understand what I was saying and asking. After spending approx. 5 minutes explaining everything again, the person asked if we could go through the negative items on my reports and decide what action to take. This phone call lasted approx. 45 minutes. 

I understood it could take up to 45 days to begin seeing progress and patiently waited to see that. By XX/XX/XXXX the Lexington Law webpage looked to be showing significant progress and I was very happy. I was in the process off refinancing my home and felt confident the work being done by lexington would help. About a week later, my refinance was declined due to items on my credit report that had been reported to have been removed by lexington. I called XXXX directly to obtain a copy of my credit report. While speaking with the XXXX representative I asked about some items on my report that lexington had claimed to have removed. The representative said nothing had been removed. In fact, the XXXX rep suggested hiring a credit repair company to help me with this. 

Upon getting my credit report directly from XXXX, I learned that lexington law had mislead me into believing they were able to remove several items. XXXX and XXXX have shown the same results. 

Over the last few months of being a client to lexington law, I called often to inquire about progress and address questions and concerns. Everytime I spoke with someone that either didn't understand or did not care to understand. The last person I spoke with went so far as to laugh at me and say this is just the way it is and I need to keep paying if I want any help. I cancelled my account immediately after this call. 

I would like to be reimbursed for the last 3 months in the amount of {$380.00}. 

The cost of using Lexington Law has been much more than monetary as the emotional toll and stress has caused much more damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I purchased tickets for myself, my wife, and my XXXX  children to travel to XXXX XXXX on XX/XX/2021, and return on XX/XX/2021 with XXXX XXXX. I used my XXXX XXXX Citi card. 
On day of return, XXXX XXXX delayed our flights by 10 hours, due to the fact that the airline did not have any crew to fly our and 4 other flights. So I was stuck in a small airport, with 800 other travelers during the pandemic. 
Finally, at the end of the night they told us given its getting close to midnightXXXX XXXX  doesn't want their pilots to fly across the next day, so go and come back the next day. 
When we returned the next day ( Sunday XX/XX/XXXX ), i was informed that XXXX can fly us to XXXX, but it could be until Tuesday before they fly us to XXXX. When i stated this is unacceptable and many calls to XXXX customer service later they finally said they can fly us to XXXX and we drive to XXXX. We eventually arrived at XXXX around XXXX XXXX missing XXXX of XXXX at home, and basically XXXX not honoring the contract they signed with us. 

However, when I contacted XXXX, they declined this, and did not reimburse me for all or part of my ticket. So I tried to dispute with my credit card, and they at first were very agreeable to it. But they filed the dispute with XXXX as service not provided, and XXXX stated service was provided, and when I asked them to re-file, their OWN investigator has reviewed the case and denied disputing. This is a case of service not provided as expected, and i need this to be disputed appropriately.

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 2021-09-28 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: Exeter Finance, LLC.
State: IL

Complaint narrative:
I AM XXXX XXXX AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED ( ACCOUNT # XXXX ), THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS. PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE FCRA, FDCPA, AND TILA ACT/ TRUTH AND LENDING ACT DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! UNDERSTAND THAT YOURE UNDER PENALTY OF PERJURY. Exeter Finance Corp violated 15 usc 1602 ( l ), 15 usc 1692j ( a ), 15 usc 6801 ( a ) ( 1 ), 18 usc 8, 15 usc 1611 ( 1 ), 15 usc 1611 ( 3 ), 15 usc 1640 ( i ), 15 usc 1605 ( a ), and 15 usc 1692e

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 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: Porania, LLC
State: NY

Complaint narrative:
please removed these accounts 1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

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

3. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX  XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Untimely response
Consumer complaint received 2021-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
XXXX noted my account as 30 days delinquent. I have never had issue with payments 30 days late being noted as delinquent on my credit report, as I keep the account current. Not only that, but I have also been trying to work with XXXX on deferring payments due to COVID-19 hardships, where each request has been denied. They will have this on record. My issue is that I have never had a 30 day delinquency with them, and if this were to change, I should have been contacted and informed of that. I have been a loaner through XXXX for years, but this is an issue that is encouraging me to refinance my vehicle.

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 2021-09-28 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Paypal Credit rejected my payment of {$1500.00} on XX/XX/2021. Attaching the email indicating rejected. I contacted my bank and the back office/technical person stated Paypal Credit had not attempted to even process the payment. Funds are more than sufficient. This bank account was successfully debited by Paypal Credit XXXX XX/XX/XXXX and XX/XX/XXXX, no changes to the payment method had been made. 

When I called Paypal Credit after talking with the bank, the {$1500.00} payment had mysteriously been accepted and the customer service individual issued an overpayment refund check in the amount of XXXX. Attaching the transaction history.

Today I logged in and Paypal Credit Adjusted my balance by {$1500.00} essentially reversing the payment going from a XXXX balance on this closed account to a current balance of {$1500.00}. I contacted my bank and still no effort by Paypal to complete the submitted payment from XX/XX/XXXX. I have recorded phone calls to Paypal Credit going over the details of both paid off and reversed adjustment, letting the agents know they were being recorded that well document the situation.

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 2021-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
they've attached a fraud account to my credit report I didn't notice until XXXX when account went bad ived tried several attempts to have remove to no avail there reporting as if there XXXX XXXX XXXX and its a third party collector law firm the account has been closed and written off there reporting month to month as being open and charging interest and fees

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