vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: MEI AUTO FINANCE INC
State: TX

Complaint narrative:
On XX/XX/XXXX at XXXX XXXX  Central time I called to make a {$130.00} payment on a card so that I could then make another payment on a different card for {$140.00} tho make it a total of {$270.00} that I wanted to pay. My balance is {$900.00}, due to the pandemic and my fiance losing her job. On top of that for some reason their payment system never accepts my debit card which is a visa. On this particular call I was transferred to a gentleman who said hes name was XXXX and that he was the account recovery specialist and he would be not only not able to accept that amount but that I need to give him His car back or that he would call the police to my house and say I was withholding there vehicle illegally. Which is whats called filing a XXXX report on someone, because I have been a loyal and faithful customer. Not only have I already paid over half the balance on this vehicle which was purchased for {$22000.00} for a XXXX XXXX XXXX, thats robbery just the price alone. Ive already paid a total of {$15000.00} as of XX/XX/XXXX, and now during a pandemic and all the other issues I have been having with there payments system. Something is not ethical about the business their conducting. Every time I make a payment and I asked for a receipt I get an email with no link?? Im not sure the exact amount of anything because theyre payment email receipts do not display anything. I have complained and begged them 2 resolve that issue to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I've included all companies involved. XXXX, Equifax and XXXX  including all creditors. 
Fraudulent Items within my credit report : XXXX XXXX Account # XXXX for {$110.00} XXXX XXXX Account # XXXX for {$94.00} XXXX XXXX- Account # XXXX for {$65.00} XXXX XXXX- Account # XXXX for {$82.00} XXXX XXXX Account # XXXX for {$160.00} XXXX XXXX- Account # XXXX for {$220.00} XXXX XXXX Account # XXXX {$1600.00} XXXX XXXX XXXX Account XXXX XXXX {$470.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have reported to TransUnion, several times, they are reporting the wrong name on my report. My name is XXXX XXXX. That is my only name. TransUnion is reporting my name as XXXX XXXX. XXXX XXXX is not, and has never been my name. Ever. I do not understand why TransUnion refuses to report my name correctly? I have sent TransUnion identification showing my correct name and reported this to them

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RGS Financial, Inc.
State: MS

Complaint narrative:
i called XXXX XXXX  XXXX they came out turn it on it only worked one week i called they said i already used it for the month so for half no internet the same way the next month. they told me when i got their service i had to get business account because that person would not work but now they have collection on my credit report for XXXX collection name is RGS FINANCIAL COLLECTION IS ON ALL THREE CREDIT REPORTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 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 am disputing XXXX account # XXXX due to the fact that it is being reported inaccurately : as highlighted in the attached, the last OK status is reported as XX/XX/XXXX which doesnt tie into the date closed reported as XX/XX/XXXX. 
Please investigate and delete this inaccurate disputed account

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 2021-01-20 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: NY

Complaint narrative:
It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

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 2021-01-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc.
State: MA

Complaint narrative:
Hi XXXX XXXX XXXX XXXX XXXX ; Happy New Year! 
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and Professional Liability Fund for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 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: FL

Complaint narrative:
I am disputing XXXX account # XXXX due to the fact that it is being reported inaccurately : as highlighted in the attached, the last OK status is reported as XX/XX/XXXX which doesnt tie into the date closed reported as XX/XX/XXXX. 
Please investigate and delete this inaccurate disputed account

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 2021-01-20 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: FL

Complaint narrative:
I am disputing XXXX account # XXXX due to the fact that it is being reported inaccurately : as highlighted in the attached, the last OK status is reported as XX/XX/XXXX which doesnt tie into the date closed reported as XX/XX/XXXX. 
Please investigate and delete this inaccurate disputed account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: KS

Complaint narrative:
I applied for COVID 19 relief with US Bank. I was able to make all my payments. AS of today they will not release my mortgage to current status and claim I owe them XXXX. I am current with my payments. I have spoken to 4 different employees and each state that have started the process to end my relief. This stated in XXXX and still ongoing.

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 2021-01-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: FORD MOTOR CREDIT CO.
State: NJ

Complaint narrative:
I am writing today in regards to my account with Lincoln AFS Account # XXXX. The reason for writing today is in regards to the late payment showing on my report in XX/XX/2020, due to Covid I was unable to make the payment in XX/XX/2020. As soon as I was able to, I got my payment made and caught up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-20 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:
Please investigate and delete disputed account XXXX XXXX XXXX # XXXX due to the following inaccuracies highlighted in the attached copy : 1. Last payment date of XX/XX/XXXX doesnt match Date Closed XX/XX/XXXX. Why would the alleged last payment be made 6 months after alleged close date? 
2. The is no payment history reported prior to XX/XX/XXXX which makes it impossible to verify the accuracy the estimated date that the item will be removed.

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 2021-01-20 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On Friday XX/XX/2021 I disputed 3 items on my credit report.. 
On XX/XX/XXXX t Items disputed were resolved The credit bureaus listed below never submitted my request for verification of debt According to the fair act the credit bureaus must submit a dispute when requested particularly when issues of data have been changed

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 2021-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
On Monday, XXXX XXXX. Someone logged into my Venmo Account. Added a Credit card and sent themselves 3 transfers of XXXX each and one for XXXX for a total of {$9900.00}. 

On the same day XXXX XXXX. I called Venmo and there is no live person available. I started a ticket online and chatted online several times. They said they would escalate the issue to the correct department. If they only would have been able to respond they could have reversed the charges since it went to a credit card. On the chat they told me they would get back to me in 5-7 days.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: AL

Complaint narrative:
Hello, I received a notice from Ally Auto the first part of XXXX advising I was something like {$220.00} overdue. I contacted the customer service department to inquire on what this charge was for however I was connected to five different representatives with none able to assist. I was advised the account would be reviewed and someone would be in touch. Never heard from anyone. I reviewed my account again maybe 3 days later which then stated I was over {$400.00} over due. I again attempted to resolve via customer service to no avail. I sent emails with no reply. I paid the money afraid that it would continue to go up. Again this month XXXX, the same thing has happened and no one will gibe me an answer. I have paid approximately {$1100.00} in XXXX and again in XXXX on when my loan payments are only {$620.00}. This " additional '' charge is not being paid on my principal. I don't know what to do. This company will not respond, explain or advise me on what the situation is. 
BTW, I normally pay {$650.00} EVERY month which is {$29.00} more than my payment amount. 
Please help me get this resolved. I can not afford to keep paying this and I shouldn't have to. 

FYI, the one returned payment was an error on my part when my fianc mistakenly used an old card number without realizing it which I immediately addressed as soon as it was brought to my attention.

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 2021-01-20 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP
State: OH

Complaint narrative:
On XX/XX/2021 I received a US Bank ReliaCard in the mail. It came with the correct last name, but misspelled first name. I never applied for an unemployment card seeing i am currently employed and have been for the last 7 years. I read that there was a scam out on these cards and I want to get to deactivated. Neither your customer service line or the company are taking calls. Every time I call I either get no response or it says it is outside of office hours, even though it is clearly not. At this point I just want it to be handle.

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 2021-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: PNC Bank N.A.
State: NC

Complaint narrative:
I do not recall opening an account with PNC Bank in or around XX/XX/2016 for the amount of {$770.00}. The bank put my on a negative XXXX list and it makes it difficult to open a bank account with other institutions. I believe I was the victim of identity theft as there have been many credit breaches within the last ten years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: ABSOLUTE FINANCIAL SERVICES, INC
State: MI

Complaint narrative:
A company claiming to represent our original creditor called and threatened legal action if not settled that day. The call came on XX/XX/XXXX at XXXX. The phone number on my phone records shows XXXX. They had personal information and balance of debt owed. A settlement was agreed upon and automatic payments were set up. {$120.00} to be withdrawn every two weeks starting XX/XX/XXXX until {$970.00} was paid. The last payment of {$100.00} was withdrawn on XX/XX/XXXX. We received no final paperwork. On XX/XX/XXXX we received a summons from the court that the actual debt collector was suing us for our full debt amount. We learned the company withdrawing the money, Absolute financial services LLC, was unreachable and in no connection with our original creditors, the debt collector they sold our debt to, or their law offices. We have since entered a case through the courts who in XX/XX/XXXX ruled in favor of the plaintiff, the debt collector and still owe the full amount of our debt. The judge sent us the fair trade commission information of the ongoing case against absolute financial services in hopes we can recover our money lost.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Flagstar Bank, N.A.
State: VA

Complaint narrative:
Flagstar charged me {$30.00} for each request for a payoff statement. Today, they could not tell me who requested the payoff only a fax number. They told me it had been requested by fax 5 times, once in XXXX, XXXX and XXXX and twice in XXXX. They gave no date. The total cost was {$150.00} with no accounting of date of request or who requested the payoff. 

I feel it is very unethical for the fee to be so high and provide no accountability of the validity of the charge Flagstar Bank Loan # XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX, VA XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 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: FL

Complaint narrative:
Please investigate and delete disputed account XXXX XXXX XXXX # XXXX due to the following inaccuracies highlighted in the attached copy : 1. Last payment date of XX/XX/XXXX doesnt match Date Closed XX/XX/XXXX. Why would the alleged last payment be made 6 months after alleged close date? 
2. The is no payment history reported prior to XX/XX/XXXX which makes it impossible to verify the accuracy the estimated date that the item will be removed.

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 2021-01-20 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: FL

Complaint narrative:
Please investigate and delete disputed account XXXX XXXX XXXX # XXXX due to the following inaccuracies highlighted in the attached copy : 1. Last payment date of XX/XX/XXXX doesnt match Date Closed XX/XX/XXXX. Why would the alleged last payment be made 6 months after alleged close date? 
2. The is no payment history reported prior to XX/XX/XXXX which makes it impossible to verify the accuracy the estimated date that the item will be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
I am writing today in regards to my account with American Honda account # XXXX. The reason for writing today is in regards to the late payment showing on my report in XX/XX/2020, due to Covid I was unable to make the payment in XX/XX/2020. As soon as I was able to, I got my payment made and caught up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Brown’s New Credit Bureau Inc.
State: GA

Complaint narrative:
Browns Collection Service violates the SCRA laws. My husband is listed as a co-owner on this debt and was called to XXXX XXXX service which should have rendered the payment to be less than 6 % interest. I have been paying 10 % interest for the entire time. When I call and ask about it, they say they do not have to honor SCRA benefits and admitted that it was above them, which means they have also been damaging other service members credit accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: American First Finance, Inc.
State: FL

Complaint narrative:
American First Finance company is scaming people out of money for payments. They charged me XXXX in leasing services and fees on top of the XXXX i owed on the furniture. 
I made a total of XXXX in payments on the furniture that i took out which are : bed XXXX mattress XXXX box spring XXXX dinette set XXXX dresser/mirror XXXX chest XXXX sectional and ottoman XXXX night statnd XXXX mattress protector- XXXX I sent back the sofa, dinette, dressor/mirror ( to a charity of choice which they said do and keep the reciept and send to them ). I sent them the reciept and they are still saying i owe XXXX. I have read severl reviews on this company and they are doing that to everyone. 

i have called the company on more than one occasion and they cant tell me what XXXX in leasing fees and serivces comes from or how they break it down " its just something the computer generates ''.

Company response to consumer: Closed with monetary relief