vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-08 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: MT

Complaint narrative:
I have contacted both XXXX XXXX XXXX  and Equifax to remove errors in my credit report many times and they will not remove this account from my credit report. XXXX XXXX XXXX  has verified this as being correct. 

This account is Account Number as it appears on my Equifax Credit File dated XX/XX/XXXX Confirmation # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX : XXXX. 

The Opening Date on this report shows XX/XX/XXXX. I filed XXXX XXXX XXXXXX/XX/XXXX. I did not open this account. ( Error 1 ) Date of Last Reported Update was XX/XX/XXXX ( Error 2 ). There was no loan made with XXXX XXXX XXXX  ( Error XXXX ). This was 24 days after the XXXX XXXX was filed. XXXX  claims this was charged off ( Error 4 ). Months Revd XXXX This was not a 6 years loan ( Error XXXX ) .Activity Designator Paid and Closed, If this was Paid off was was it a charge off ( Error XXXX ) Account History shows payments starting XX/XX/XXXX to XX/XX/XXXX Date of last payment was XX/XX/XXXX - 4 months of difference?????? ( Error XXXX ). Date of 1st Delinquency XX/XX/XXXX - Date XXXX XXXX. XXXX Reported XXXX/XXXX This is 6 years LATER ( Error 8 ).

High Credit Limit - Missing Information ( Error 9 ) Credit Limit - Missing Information ( Error 10 ) Terms Duration - Missing Information ( Error 11 ) Actual Payment Amount - Missing Information ( Error 12 ) Balance Amount - Missing Information {$0.00} ( Error 13 ) Scheduled Payment Amount - Missing Information ( Error 14 ) Date of Last activity - XXXX Incorrect - ( Error 15 ) Charge off Amount {$0.00} - If this account was multiple years old and charged off why is this amount {$0.00}? ( Error 16 ). 
This account has been verified by XXXX XXXX XXXX. By law FCRA section 609 and 611 requires XXXX XXXX XXXX  and Equifax to report information accurately or remove the account from my credit report. 16 Errors are visible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: TN

Complaint narrative:
18 months ago I've asked PHH mortgage to remove my PMI because the house value has increased. I paid a $ XXXX appraisal fee back in XXXX XXXX XXXX and that house never got appraised. I've tried many times to get the issue resolved and I'm constantly getting the run around. Their monthly update to me is that there's no changes from the PMI department. If they got my property appraise back in 2021 I wouldn't have to pay my PMI for the last 18 months. At the moment, I have no confidence in their escalation team. I need this issue resolved and my appraisal fee refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 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: CO

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
GM Financial continues to attempt to charge me for property taxes on a leased vehicle. I have leased vehicles in XXXX XXXX before and never once was charged property taxes for the vehicle. GM financial has not sent me documentation showing i am responsible for such fees. I did all the leg work and went to the county tax office. They do not understand why i am being asked to pay these taxes. i also contacted the XXXX XXXX XXXX who assisted with the lease and the finance department is not familiar or understands why GM financial continues to try to collect. i traded in my vehicle and paid the previous years taxes only because the vehicle was traded in. Below is the email i sent to GM financial. They have only responded with an advisor calling to tell me that " im responsible '' no proof, no documentation. nothing. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX GM Financial XXXX XXXX XXXX XXXX, TX XXXX XXXX RE : Property Tax on leased Vehicle Account XXXX Dear GM Financial I am responding to your contact about collecting an alleged debt. You contacted me by phone on XX/XX/2023 regarding an outstanding tax bill. 

I do not have responsibility for the debt you are trying to collect. 

if you have a good reason to believe that i am responsible for this debt, mail me the documents that make you believe that. Stop all other communication with me and with this address, and record that i dispute having any obligation to this debt. If you stop your collection of this debit, and forward or return it to another company, please indicate to them that is disputed. If you report it to the credit bureau ( or have already done so ), also report that the debt is disputed. 

I was advised to contact our XXXX XXXX tax office. I have done so as requested and was informed that i do not have a tax bill that i am responsible for. I also contacted the finance department at XXXX XXXX XXXX in XXXX TX and was informed that they have never heard of such thing and are very familiar with leases completed for GM financial. 

As stated above, please provide your documentation that shows i am responsible for this debt. If you find that this was an error, please return the previous years tax bill of {$210.00} to the address above in the form of a check.

Thank you for your cooperation Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 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: Block, Inc.
State: TX

Complaint narrative:
On Wednesday XX/XX/2023 cash app withdrew XXXX out of my account in 3 separate transactions through XXXX that I have already paid for and will provide the proper documentation of. What I do not have on my account is the withdrawal they made the day of XX/XX/2023. I do have statements of XXXX getting deposited and then XXXX getting sent back to the account that sent it due to fraudulent charger made that day. Im in needs of a refund of my XXXX cash app charged me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
2 years ago an account from XXXX XXXX showed up in my credit report, I contacted the source and through internal investigation it was discovered as fraud and I asked them to close the account and report to credit agency of their finding and they did and remove the account and I put fraud alert on the reporting agencies. fast-forward to 2 months ago I got the annual report and the collection LVNV Funding / Resurgent Capital showed up. after contacting the company I discovered that the original creditor ( XXXX XXXX / XXXXXXXX XXXX ) have sold the account to this collection company. I notified the collection company in writing providing them with my personal identification and asked them to provide me with verification of original contract/ agreement / statement or anything that would be connecting me to this debt ( please see attached documents ) they have not provided me with nothing other than some computer generated statement and credit application that does not match with any of my personal ID such as date of birth, address, employment, driver license. 15 U.S Code 1693f and 15 U.S Code 1692g- validation of debt and 15 U.S Code 1692j -Furnishing Certain deceptive forms, this collection company are in violation of the many U.S Code Chapter 41, Subchapter 1692g.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Experian has knowingly furnished my inaccurate personal information, WITHOUT obtaining my wet ink written instruction to do so. This is in violation of 15 USC 1681B ( a ) ( 2 ) ; a consumer reporting agency may furnish a consumer report under the following circumstances and not other ; in accordance with the written instructions of the consumer to whom it relates.

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 2023-05-08 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: Nelnet, Inc.
State: TN

Complaint narrative:
I would like to begin this letter by thanking your company for the many years of great service I experienced as a consumer. I have been a very loyal consumer of yours for many years and I am in need of your assistance. 



There was a period of time where the world was going through a hardship due to covid. I always tried to my best to get every payment to you on time but there was one payment that was received and reported as 30 days late back in XXXX, XXXX, XXXX of XXXX. Before that hard time and ever since I continued with my timely payments. 



These late payment is extremely damaging to me in a lot of ways, mainly it is hindering from accomplishing other financial goals and my chances to receive a qualification for a mortgage. 
I am asking you and your company for a goodwill request. I have maintained a good paying history with you, with just that one exception and I ask for you to please eliminate the late payment with the credit bureaus by filling out Universal Data Form and faxing it to the credit bureaus that you report to. 



I am pleading with you to honor my request, which would mean so much. Please take into consideration what a good customer I have been. 



Thank you in advance for taking time out of your undoubtedly busy schedule to read over my letter. 



Respectfully yours XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: NY

Complaint narrative:
On Friday XX/XX/2023 I was a victim of theft where most of my personal items were stolen, in which my cellular device was taken as well. My cashapp had been logged unto this device where the person sent over {$140.00} dollars to someone I had never done any transactions with. That same day I was able to purchase a new phone in which I've added my cashapp information to that device and updated my phone number removing old information so the old device wouldn't be able to access my account anymore. I proceeded to send over a refund request because I simply didn't know what else to do and I knew this had been an unauthorized transaction. In hopes that the person would refund me my funds I waited to contact cashapp, the person still hadn't responded so I called cashapp Monday morning to let them know of the issue but they were no help to the situation although it states they would protect all customers. I've explained to the company I had never done business with this individual. I know according to consumer laws when a consumer states that there's been unauthorized transactions theyre supposed to investigate which they still didn't.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I opened a dispute on a credit account that appears reported on my XXXX, & XXXX credit report. The dispute has not been resolved yet. 
The account is from COMENITY BANK/ EXPRESS . 
The report shows that it was opened on XX/XX/2019, and it has a balance of $ XXXX dont recognize this account on my report. This account is not mine and I never spent that amount of money. I never opened a bank account with Comenity bank. The only bank accounts that I have opened is from XXXX XXXX XXXX. I dont know why it shows up in my credit report. I realized the existence of this bank account in my report this year when I when to XXXX XXXX XXXX asking for a loan credit for a car. I kindly request to investigate and remove this account from my accounts. It is affecting my credit report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
They are reporting inaccurate information on my credit report. The dates and amounts that there saying I owe are incorrect also the addresss are incorrect. 
The car was also sold in a auction and the remaining payments are incorrect.

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 2023-05-08 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: WI

Complaint narrative:
They are reporting inaccurate information on my credit report. The dates and amounts that there saying I owe are incorrect also the addresss are incorrect. 
The car was also sold in a auction and the remaining payments are incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
Opened a savings account with M & T Bank for my daughter not long after she was born in XXXX. I was advised that because we have multiple checking accounts along with my business accounts with M & T Bank there would be no service fees associated with this account. We have received fees every month since the inception of the account and all of the money is now gone. I went into a location in XXXX  and they advised me that I was correct and should not be receiving fees. They credited the account for the past 90 days of fees and said the fees should stop effective immediately. We are still receiving fees on the account every month.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-08 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: MN

Complaint narrative:
This all happened in XXXX. I ordered a dress from an online seller and when I received the dress it was damaged. I went through Paypal and tried to get it resolved and provided so much evidence. They still let the seller take my money when I offered to return the dress. I have absolutely 0 need for a dress that was damaged. The reason they closed the case is because I didnt provide tracking information on Paypal . I dont use Paypal they couldve sent me an email asking about the tracking information but they didnt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
My car was repossessed due to extremely high car payments and insurance added onto the loan that I never had with the bank, they never informed me of this and made my payments so high I could not keep up. They would not work with me to lower them as well. I had my own insurance for the car. My car was then repossessed and taken due to not being able to keep up with the payments. This was after I also got it out of repossession and tried paying on it again.

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 2023-05-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I filed bankruptcy in XXXX XXXX  XXXX and put this car on it. During my bankruptcy Ive paid off the car within the bankruptcy. The final dispersement payment was on XX/XX/XXXX for {$110.00}. They said the only payments they have received were that 1 and 2 more leaving my balance at XXXX XXXX and some change. I have court documents of like 20-30 checks dispersed to the company. They told me they gotten only 2 checks. I have court documents that say they received all payments for the car and there is nothing left in my bankruptcy trustee account because they've gotten the money. All I want is for the information to be corrected on my credit report before I have to call my lawyers back up. The company is known for crooked tactics by the XXXX they have like a 2 star rating for good business. They told me the car is up for repossession and it's paid off which is the craziest thing Ive heard iny life.

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 2023-05-08 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: TX

Complaint narrative:
I filed bankruptcy in XXXX XXXX  XXXX and put this car on it. During my bankruptcy Ive paid off the car within the bankruptcy. The final dispersement payment was on XX/XX/XXXX for {$110.00}. They said the only payments they have received were that 1 and 2 more leaving my balance at XXXX XXXX and some change. I have court documents of like 20-30 checks dispersed to the company. They told me they gotten only 2 checks. I have court documents that say they received all payments for the car and there is nothing left in my bankruptcy trustee account because they've gotten the money. All I want is for the information to be corrected on my credit report before I have to call my lawyers back up. The company is known for crooked tactics by the XXXX  they have like a 2 star rating for good business. They told me the car is up for repossession and it's paid off which is the craziest thing Ive heard iny life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 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: TX

Complaint narrative:
I filed bankruptcy in XXXX XXXX XXXX and put this car on it. During my bankruptcy Ive paid off the car within the bankruptcy. The final dispersement payment was on XX/XX/XXXX for {$110.00}. They said the only payments they have received were that 1 and 2 more leaving my balance at XXXX XXXX and some change. I have court documents of like 20-30 checks dispersed to the company. They told me they gotten only 2 checks. I have court documents that say they received all payments for the car and there is nothing left in my bankruptcy trustee account because they've gotten the money. All I want is for the information to be corrected on my credit report before I have to call my lawyers back up. The company is known for crooked tactics by the XXXX  they have like a 2 star rating for good business. They told me the car is up for repossession and it's paid off which is the craziest thing Ive heard iny life.

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 2023-05-08 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: WI

Complaint narrative:
They are reporting inaccurate information on my credit report. The dates and amounts that there saying I owe are incorrect also the addresss are incorrect. 
The car was also sold in a auction and the remaining payments are incorrect.

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 2023-05-08 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Hello, last month I've tried to reach out to the credit bureaus to get two charge offs accounts verified/ removed and they weren't able to do it. The first account is XXXX XXXX XXXX {$2100.00} and the other account is JPMCB CARD SERVICES {$4800.00}. 

If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I checked my credit report and noticed these issues

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