vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-04 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: TN

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/2021, XX/XX/2021, XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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: VA

Complaint narrative:
XXXX XXXX XXXX has closed my line of credit as a retaliation under the XXXX. 

Pursuant to the Fair credit Billing Act XXXX hasnt taking care of the bill error regarding the billing errors requested in XX/XX/2020 concerning a timely requested under the FCBA. 

The payment was withheld regarding the disputed amount pursuant to the Fair credit Billing Act. 

In Or Around XX/XX/XXXX, XXXX issues a letter saying that the requested made in XXXX was untimely but credited the disputed amount. 

On XX/XX/XXXX, without my consent regarding permissible purposes under section 609 of FCRA, the XXXX Equifax and XXXX released credit information without my consent. 

Do to my XXXX XXXX XXXX has closed my account regarding my credit report without consent regarding permissible purposes under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX has closed my line of credit as a retaliation under the XXXX. 

Pursuant to the Fair credit Billing Act XXXX hasnt taking care of the bill error regarding the billing errors requested in XX/XX/2020 concerning a timely requested under the FCBA. 

The payment was withheld regarding the disputed amount pursuant to the Fair credit Billing Act. 

In Or Around XX/XX/XXXX, XXXX issues a letter saying that the requested made in XXXX was untimely but credited the disputed amount. 

On XX/XX/XXXX, without my consent regarding permissible purposes under section 609 of FCRA, the XXXX XXXX and Experian released credit information without my consent. 

Do to my XXXX XXXX XXXX has closed my account regarding my credit report without consent regarding permissible purposes under the FCRA.

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 2021-05-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
i just want to reopened and re stored my account cause i feel it unfair to my side that they automatic close or limited my account pernamently with out letting me know as the owner as they only think there is a suspicious doin ln my account. my last transaction is i did pay to my friend that i owe some money .. they dont give any email to give requirement to fixed the problem so its unfair to my side

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: VA

Complaint narrative:
I'm trying to work out a short pay offer on my loan with the " mortgage owner '' and the mortgage servicer will not supply me with the name and contact information of the " mortgage owner. The servicing company send me the original note when I ask for the information and they know that the original note holder filed bankruptcy over 20 years ago and is no longer a company. All of the mortgages were bought out by investors but the servicing company that services my loan will not give me the correct information. However, when I apply for mortgage assistance through them they have to contact the investor to get this approved so therefore that tells me they know exactly who holds the lien.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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 XXXX  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 2021-05-04 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: Volvo Car Financial Services U.S., LLC
State: VA

Complaint narrative:
On XX/XX/XXXX I leased a XXXX Volvo XXXX and ended the lease on a XXXX Volvo XXXX. Both cars were covered by a 36-month bumper to bumper warranty. The XXXX XXXX was turned in after 34 months because Volvo would pay the lease costs on the final months of the lease if I leased a new XXXX. 
On XX/XX/XXXX Volvo Car Financial Services sent me an invoice for {$200.00} that included a charge of {$130.00} because the maintenance light and the tire pressure light stayed on ( attachment XXXX ). When I asked XXXX Volvo XXXX XXXX XXXX XXXX, XXXX, VA XXXX, where I leased the car, I was told that both items were covered by Volvos warranty. However, I had to talk to Volvo Car Financial Services since they sent me the invoice. 

In a series of phone conversations with Volvo Car Financial Services on XX/XX/XXXX, and XXXX the total bill was reduced to {$140.00}, a reduction of {$67.00} XXXX attachment 2 ). When I asked how they came to that amount I was told that the maintenance light/tire pressure light was taken off the bill, but I still had to pay for {$130.00}, plus tax, for the right front door. I have no issue with paying for the door panel ; however, no tax was ever charged before, so why is tax suddenly being charged. The second issue I have, is that if the {$130.00} is subtracted from the {$200.00} that I was billed, I should be paying {$73.00}. 

I have never been given an explanation of how the {$140.00} was calculated, only that was the amount that I had to pay. When I further questioned the amount, I was told to talk to XXXX Volvo and they should pay any difference. When I again talked to XXXX Volvo, I was told that it had been mentioned to management, but no action had been taken. I also did not receive a response to a follow-up email I sent to XXXX Volvo. Consequently, I am in a catch-22 situation where Volvo Car Financial Services say I need to talk with XXXX Volvo and XXXX Volvo says I need to talk to Volvo Car Financial Services yet both are part of Volvo Car XXXX XXXX or its affiliates or licensors ). 

The maintenance light/tire pressure light issue was covered by Volvos warranty. The XXXX XXXX had been scheduled for maintenance at XXXX Volvo on XX/XX/XXXX, but was cancelled when I no longer was leasing the car. In addition, XXXX Volvo informed me on XX/XX/XXXX that the XXXX XXXX had been sold, which indicates the routine maintenance was performed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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: OH

Complaint narrative:
I contacted TransUnion on Tuesday XX/XX/2021 starting at XXXX XXXX XXXX  regarding unauthorized inquires that have appeared on my credit file through the last 2 years ( XXXX ). Each representative that I spoke with and the supervisor XXXX XXXX XXXX were unwilling to help me.

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 2021-05-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX  is reporting on my credit report an account that is not mine, saying that this account was being paid from XXXX to XXXX, I contacted them and asked them more than once for an account verification, as well as proof that those payments were made by me, they have never provided me with account verification and they refuse to speak just saying that the account is mine and that I must pay it, I have been disputing this account for over a year, and Transunion only says that the XXXX XXXX XXXX says the account is correct, without asking or verifying if the account is correct, XXXX XXXX XXXX must provide correct account verification to Transunion and the other credit bureaus, and only report false information and the Transunion only accepts what they say, unverified, I have had an excellent payment history in the last 6 years, and XXXX XXXX XXXX XXXX is damaging my credit with false information, Transunion is part of the game of XXXX XXXX XXXX they just believe what collection agency says, Transunion asked me verified the account like not mine, but there is no way i can proof sometime is not mine

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 2021-05-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Conn's, Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX, I went to Conn 's to purchase a Washer/Dryer set. The sales lady was a new lady who messed up the initial contract that she typed up, she had to call customer service and have them cancel it. The sales lady continued to make errors to the point that her manager got involved and drew up another contract. I was offered 12 month same as cash payment, however, I have noticed recently, that I have been charged interest for the last 8 months of {$29.00} per month ( for a total of {$230.00} ). I led a complaint with Conn 's, and the rep notated that at the time of my purchase the 12 months same as cash was available and he told me to call the Store Manager, which I did. The Store ManageXXXX notated that he would send Conn 's Corporate XXXX  an email. Today Conn 's told me that they will not honor the 12 months same as cash. I have to also note that this is the 2nd complaint I have led with Conn 's regarding the same sales lady. Back in XXXX, I led another complaint regarding them charging me for insurance, when I clearly told the sales lady that I had home insurance. Conn 's had me send them my paperwork and have since removed the insurance. This is 2 complaints within 3 months regarding this same sales lady who messed up the original contract XXXX or supposedly XXXX. I was told 12 months same as cash payments ... I did not just pull that out the air and Conn 's veried that it was a 12 months same as cash payment sale going on at the time of my purchase. I want this investigated and am also ling complaints with other organizations against them. Conn 's has taken an extra {$29.00} in interest for the last 8 months, when I should not have been charged any interest.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Omnipoint Capital
State: NJ

Complaint narrative:
Omnipoint managment collected {$120.00}, then payments of $ XXXX monthly to collect for a debt of {$1000.00} it seems for a law firm. They were not the collectors of the debt. It was fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: SC

Complaint narrative:
I received a letter dated XX/XX/XXXX from XXXX XXXX  informing me that my loan would be transferred to Nationstar Mortgage LLC b/b/a Mr Cooper. The effective date of the transfer was XXXX and the letter specifically stated : If your monthly payment is automatically deducted from your checking/savings account, this service will continue without interruption. 

We had previously utilized this service with XXXX XXXX, scheduling our payments for the first of each month and assumed it would continue. 

On XX/XX/XXXX we noted the payment had not been withdrawn from our checking account and on May 4th we called Mr. Cooper and was informed of the following : 1 ) The would not honor the prior auto pay set up 2 ) We could not use their website as the loan had not transferred and would take up to 7 days 3 ) Although their IVR messages indicate that a automatic payment may be set up there is no menu option to do so and when speaking to an agent they can not set up a auto draft Further when speaking to an agent I was advised I could send a check and although incurring no late fees - the agent could not speak to the interest accrual for the days the payment was outstanding. 

These actions are at best poorly thought out and at worst deceptive : 1 ) Accrual of incremental interest while offering no meaningful option to make an immediate/next day payment 2 ) Failing to honor auto payments as disclosed in the transfer letter 3 ) Scheduling a service transfer to occur when the normal payment schedule occurs on a weekend date - I would advise the CFPB work with its policy making partners to ensure electronic payments are processed and honored for a period of not less than 5 business days post transfer date. 

The actions by Mr. Cooper have contributed to the worst mortgage transfer I have ever experienced - I have had these happen more than 5 times with never an issue this is the first instance where the actions of the receiving service provide appear to intentionally mislead consumers to their own benefit through the accrual of incremental daily interest. 

It is laughable in XXXX to suggest consumers send a check or a data transfer and boarding should take seven days to complete.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mountain Run Solutions, LLC
State: GA

Complaint narrative:
Mountain run Solution is reporting on my credit report an account that is not mine, saying that this account was being paid from XXXX to XXXX, I contacted them and asked them more than once for an account verification, as well as proof that those payments were made by me, they have never provided me with account verification and they refuse to speak just saying that the account is mine and that I must pay it, I have been disputing this account for over a year, and XXXX only says that the mountain run solution says the account is correct, without asking or verifying if the account is correct, mountain run solution must provide correct account verification to XXXX and the other credit bureaus, and only report false information and the XXXX only accepts what they say, unverified, I have had an excellent payment history in the last 6 years, and Mountain Run 's solution is damaging my credit with false information, XXXX is part of the game of Mountain Run solution, they just believe what collection agency says, XXXX asked me verified the account like not mine, but there is no way i can proof sometime is not mine

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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: GA

Complaint narrative:
I FILED A METHOD OF VERIFICATION WITH THE CREDIT REPORTING AGENCIES LAST XX/XX/2021 IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATION ON HOW THEY VERIFIED THE INFORMATION IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 129 DAYS SINCE I FILED A DISPUTE. I FILLED A XXXX DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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: SC

Complaint narrative:
XX/XX/2021 I have disputed a few items on my report as errors and asked the major XXXX credit bureaus to take a look into the matter and correct their error. Transunion LLC XXXX and XXXX. None of which these companies corrected their errors.

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 2021-05-04 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: MO

Complaint narrative:
On XXXX I lost my bluebird card while out walking my dog, later find out it was found and used in multiple places that day. I moved the remaining funds XXXX stimulus $ XXXX {$1400.00} XXXX into a set-aside " goal account '' to protect it. 
I called bluebird and there was a really unusual and suspicious vibe being created. The phone automated XXXX was asking strange questions about my age. After I pushed XXXX to answer under XXXX, the XXXX hung up saying it can't help me in my service area. I'd never experienced that before. So I called the international number associated with bluebird next to the national XXXX .... they transfered me to the fraud dept. They sent declaration of fraud documents again. I filled them out and faxed them back on the XXXX. Then I got no response for XXXX weeks and I started the dispute process again. They declined my dispute. Because they said it was authorized. And then they closed my account with over {$1000.00} inside of it. They are telling me the only way I can open my account up again is to write and send their fraud department by physical mail. I don't even know what to write. But this is not the first time they have shorted me from my own money. I've had an account with bluebird since 2012.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
I sent the money and the person 's cashapp got banned and after cashapp kept closing my tickets and stopped responding on XXXX saying that they put in void notification but my bank saw nothing of a void notification they closed the ticket and stopped responding. 
This payment was worth a XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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 2021-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
On XX/XX/2021, someone impersonated me and opened a savings account and a checking account at Huntington Bank in XXXX, Ohio. 

This person used my name, old address, cell phone number and SSN that was XXXX digit off from my XXXX. 

I went to the bank and the accounts were closed. I also reported the incident to my local police department. The person also used a fabricated XXXX XXXX number.

Company response to consumer: Closed with explanation