vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-13 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to dispute the following information in my file. I have contacted the agencies several times to update and report the corrected information : The following addresses : XXXX XXXX XXXX, XXXX, Tx XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX # XXXX XXXX Tx XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Tx XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Tx, & XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Tx XXXX is inaccurate, there are several variations of this address as well so this is how you know that this address should not be reporting on my credit report. I am requesting that the item be removed to correct the information : XXXX XXXX XXXX XXXX XXXX, Tx XXXX is the only address that should be reporting on my credit profile. 

Enclosed are copies of a current utility bill for proof of address, social security card & proof of ID. I've been at my current address for the past 3 years. Please reinvestigate this matter and delete or correct the disputed item as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
I got a email from paypal yesterday stating that they decided to end my account for what ever reason and then goes on to state a refund I have been waiting for for 5 months is sitting in paypal with a 21 day hold not they decided to make it 6 months. They only doing this because they sold paypal credit to XXXXXXXX XXXX in the middle of a bunch of packages from XXXX missing and not getting to me. They said because they tracked to washington dc that I must have gotten them in MN. They refused to refund my money for purchases I paid foir thru them and I was told by 2 separate paypal reps to sign up with a new email and use a different card. I never got a letter saying I was limited at all they took away the paypal assurance and ripped me off for total maybe XXXX or more. I had also been told to deal with this outside of paypal> Those were the very worlds well thats what I did called my bank and told them what paypal did and they reversed the charges. They would have done the same thing and I waited as long as I could without loosing my right to have the bank do that. They have no reason to put a hold on my refund from 2018 that I just got sent to me from XXXX. They were paid long ago for those funds and I have never ever been told a thing like the guy from p0aypal cooperate is stating. I had paypal close my last account and had to demand they did it. 
I had to wait the required amount of time to close it while still using the account as they took away warranty there was XXXX risk to them. They just charge the seller back that never got me what I paid for. and had no tracking numbers to show I got anything. 
They sold my paypal credit to a bank and never even looked into the items I didnt get. 
Who cant follow there own rules, paypal. But to act like a XXXX year old refund as hostage so they can feel big thats wrong. I hope CFPB does a number to paypal this round in court. Paypal is out of control ; and so rude to Americans and back XXXX sellers when there in the wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SoLo Funds Inc.
State: OR

Complaint narrative:
Due to an unexpected increase in expenses, and a temporary decrease in income, I was not able to pay a short term loan of {$220.00} to Solo Funds on the due date, XX/XX/XXXX. At XXXX local time ( Pacific ) on XX/XX/XXXX, I received an email from Solo stating that I was being sent to Collections and charged a late fee of {$20.00}. The email continued with a threat to my credit, If you do not repay your loan you will be reported to the credit bureaus with a derogatory mark, which could negatively affect your credit score for up to 7 years.

3. Lastly, in an effort to protect the SoLo community, you will be banned from using SoLo.

Reporting our members to the credit bureaus is used as a last resort and something we want to avoid. Failing to pay off your loan could cause derogatory marks to appear in your credit history and prevent you from receiving loans in the future.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
LVNV is reporting different dates of last activity on XXXX XXXX and XXXX Reporting inaccurate information is a violation per FCRA. I would like for this acccount to be removed from all credit bureaus IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
Hello, Thank you for helping me. I leased a XXXX XXXX at the end of my lease I went several days before my lease was up turned in the vehicle and upgraded to a newer model XXXX XXXX 2019 I had my father in law take out the car under his name and add me as a co-signer when releasing my co signer had XXXX credit score the finance manger said he would take care of the mileage overage fee if we released a vehicle with him and we did. Fast forward to 2 years later I went to buy a ca and XXXX dealership told me Kia had XXXX me over they had a written off the car and marked me as a repo I wasnt able to get a car. 
If you look at my pending history you will see I have never had a problem with car loans all my cars have been payed off with no inconvenience. What Kia did is inappropriate that manager should have never lied to me. Please I would like someone to help me do what is right. I just ended my lease with Kia and had to pay them XXXX $ and I payed them be i was asked to do so for an authentic charge. 
What they did to me is wrong I would like to get help please. 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 2021-03-13 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
An account which should have been deleted is still showing up on my Experian report. I tried to submit a dispute, but I do not believe they properly looked at the evidence that I submitted to them. This debt was originally held by XXXX XXXX XXXX XXXX, I sent them a debt dispute letter with the following terms with a certified letter " If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased ''. In the attached PDF they admitted that they never responded nor validated the debt, and so this account should have been completely deleted, and never sold to another company. This new debt collection company XXXX is basically trying to collect on a debt that XXXXXXXX XXXX  XXXX XXXX agreed to close.

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 2021-03-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I received a credit score notification stating my card had been charged off and my credit score decreased. I had spoken to COMENITY bank regarding my account for Victoria 's Secret and XXXX stating that I was out of work due to COVID, and they gave me time off from payments back in XXXX of XXXX I was working with XXXX XXXX  at the time, and Comenity said they would give me a deferment, but they charged off my accounts before that deferment had passed. Ever since then, I have been receiving calls everyday, sometimes up to five times, asking for more money. This month they expect me to pay twice, and are threatening legal action, but i TOLD XXXX XXXX that I am out of work. and now I am receiving threatening calls stating that my account will be escalated, but they won't tell me what that means. 
I have told them repeatedly that I havent found a job yet but XXXX XXXX, the person " assigned " to me, won't leave me alone. She tried to tell me i HAD TO MAke automatic payments, that that is the only method of payment they will accept, but I never gave her my account information. And so today, XX/XX/XXXX, I see a pending charge from them for XXXX. I agreed to pay off but I am going broke and I have tried repeatedly to get them to just wait and they won't.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13 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: TX

Complaint narrative:
I am writing to dispute the following information in my file. I have contacted the agencies several times to update and report the corrected information : The following addresses : XXXX XXXX XXXX, XXXX, Tx XXXX, XXXXXXXX XXXX  XXXX XXXX XXXX # XXXXXXXX XXXX, Tx XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Tx XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Tx XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Tx, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Tx XXXX is inaccurate, there are several variations of this address as well so this is how you know that this address should not be reporting on my credit report. I am requesting that the item be removed to correct the information : XXXX XXXX XXXX XXXX XXXX, Tx XXXX is the only address that should be reporting on my credit profile. 

Enclosed are copies of a current utility bill for proof of address, social security card & proof of ID. I've been at my current address for the past 3 years. Please reinvestigate this matter and delete or correct the disputed item as soon as possible.

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 2021-03-13 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: STATE FARM BANK, FSB
State: NY

Complaint narrative:
Our car was bought in 2017, XXXX XXXX State Farm Bank applied for the loan, and it has always been tied to our bank account for automatic payment. I suddenly stopped paying fees in XXXX last year, but my account has always been deposited with wages, so I didnt check it. Until XXXX the night before yesterday, a XXXX XXXX showed up and said that we had not paid the car loan for three months, and we had to drive away, or we would have to be towed away by a trailer. There was no choice. The bank is closed and no one can help us. My husband has to go to work during the day and feels helpless. The next morning we contacted the bank to pay off the car loan, fines, and towing service fees. When I contacted them to get the car at XXXX, the person on the phone said it was closed. But they said before that it was XXXX off work, maybe they want to earn an extra day 's storage expenses. My husband went there at XXXX oclock the next day and waited for an hour. The manager came over to open the door for a fee. It costs US {$220.00} to read the bill. My husband cant believe it. The storage fee is US {$75.00} a day, even for two days. Will charge so much. My husband was in a hurry to go to work. He just wanted to get the car back, so he paid the bill. When he went to pick up the car, he found that everything in the car was gone. The jacket, two cigarettes, the data cable ... were all taken away and kept. The officer denied, saying that he didn't know all the time, saying that it was useless to call the police. You didn't take pictures and there is no evidence. 
The bank did not respond positively to us why the automatic payment was interrupted. Just say sorry. Credit may be reduced and affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Experian keep failing to remove the last account on my report that has already been disputed won and removed on the other 2 main reports and continue to violate me alone with that my loan approval have sunk due to his lie i in return should have L1 credit on all 3 report instead its only on 2 please get them to contact me before i seek a lawsuit.

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 2021-03-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Since 2007 a family from XXXX has had someone from your government agency put negative fraudulently things on my credit history ... .my positive loan history was just removed from my credit report that I had just gotten in the amount of XXXX dollars ... the capital one account for XXXX was never mines and they reported as a charge off and my credit score went down.this is so hurtful that people who work behind these government desk are allowed to do this to people for there personal recreation.I need my score corrected and this matter under full investigation at once .I have endured this too many years.. also incorrect fraudulently names where put on my other credit reports .. I can be reached at XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: ME

Complaint narrative:
Beginning XX/XX/2021 Synchrony Bank is now billing me monthly for unspecified " Fees '' after I paid my bill in full for XXXX XXXXXXXX XXXX purchases. I have been unable to reach them by phone, email, or USPS mail. The amount is XXXX, increasing monthly with each bill. They are now threatening my credit rating. The card was issued by XXXX XXXX XXXX for purchases which have been paid in full XX/XX/2021, as stated.

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 monetary relief
Consumer complaint received 2021-03-13 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: TX

Complaint narrative:
victim of ID theft and equifax and XXXX  will not let me look at my credit online

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
victim of ID theft and XXXX  and Transunion will not let me look at my credit online

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 2021-03-13 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: CBC Companies, Inc.
State: TX

Complaint narrative:
victim of ID theft and XXXX and XXXX  will not let me look at my credit online

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13 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: EQUIFAX, INC.
State: FL

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECIVE ANY RESPONSE. 


INITIAL DATE XX/XX/2021 30 DAY DEMAND XX/XX/2021

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 2021-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: OR

Complaint narrative:
Chime, the bank closed my account with no notice. Chime did not protect my money. The hotel which initially charged my card for XXXX $ + and settled for XXXX $ insists they didn't have the extra funds that were debited from my account. However chime states that if they were not put back in my account that XXXX XXXX has the funds. Neither can show me where these funds are. In fact the transaction has disappeared frommy statement. I have record by screenshot. When I mentioned this to chime they become. Aware of matter. This has also happened with other transactions. All of them becoming expired pending transaction. The money is initially debited from my account. Upon expiring it does not postback to my account. Chime assures me it does. However, I know it does not. Specifically with XXXX XXXX I had to put stop payment. So they definitely could not postfunds back. Chime will not help me in locating these mising funds

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Management Control, Inc.
State: MO

Complaint narrative:
The company continues to violate my hippa right along with the violations of the fcra! they have dailed to reach me in 30 but as well as up to 90 days without contact thats 3 repoeting cicles! with no mailed wet signitures or proof of this debt. So please contact them in this regard.

Company response to consumer: Closed with explanation