vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Lendmark Financial Services
State: FL

Complaint narrative:
After the death of my father on XX/XX/19 who left no assets and no estate, there was an installment loan through Lendmark Financial with his vehicle as collateral. I called Lendmark multiple times as to what we should do with the car. I offered to bring the car to them, but I was finally told on XX/XX/19 to leave the car and could turn in the tags because it would go through the non-payment process and be would be repossessed. A day or two after these conversations, a payment for the vehicle was deducted from my fathers account for {$260.00}. I had to contact them to correct it, but it took over a month for the refund. Now, three months later, after the car has not been repossessed, I called and was told that it would not be repossessed because it was not worth enough. No one had contacted me to tell me this, I had to call them. There is no estate and no assets to pay off the vehicle. I spoke to the office manager XXXX on XX/XX/19 and they are now telling me that I must sell the vehicle on their behalf and would need to bring the buyer to them to pay them for the car and only then would they sign over the lien. XXXX was rude, condescending, and would not let me explain the situation. He started talking about needing to get a lawyer involved if we are unable to do anything with the vehicle and finally told me he had other things to do and wouldn't continue to " go around in circles '' so I hung up. I then got the number for the District manager XXXX and called her. She was more pleasant, but still told me the same information, but did say if we junked the car she would put a note in the account that the junkyard could call for the title. My father is the only one on the loan, my name is not attached to the vehicle in anyway. The car is in Maryland, but I live in Florida. We turned in the tags per their instruction so it is not able to be driven and will need to be towed which could be a financial burden on my part.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15 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: ID Analytics, Inc.
State: FL

Complaint narrative:
XXXX XXXX is a Bogus reporting agency. It sent me a letter saying my score was in the 400s!! My score has NEVER been in the 400s. The reporting agency has many claims against them for the same reason. Its inaccurate reporting and they should be shut down!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15 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: DISCOVER BANK
State: NE

Complaint narrative:
I contacted discover card helpline on their messaging option and i got auto reply some of our agent will contact you soon but I kept on waiting for almost an half an hour but there was no reply from them and till now my query has not been resolved and it is height of unprofessionalism that now their messaging option is not working at all in my discover phone application, seems like they blocked intentionally and they are continuously harassing me.So I request you intervene. 

Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
A store credit card was opened under my name and information without my permission. The person was able to make purchases when the card was authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Used the XXXX app on my Wells Fargo online account to send money to someone twice once for XXXX dollars and again for XXXX dollars they werent able to receive the money but Wells Fargo took it out of my account I called Wells Fargo and they summited a claim then sent me a letter saying there not responsible for the money that it was already processed I told them I know because Im the one out of the money but no one received it it should be there responsibility since it was there website I used

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 2019-07-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I am on social security XXXX and I understand it can not be garnished by Paypal credit because it's federally protected.I owe paypal {$3600.00} I would like them to cancel this please.

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 2019-07-15 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: Fidelity National Information Services, Inc. (FNIS)
State: NE

Complaint narrative:
Ongoing disputes with XXXX XXXX XXXX previously known as XXXX XXXX XXXX XXXX. My debit check card was used fraudulently in XX/XX/XXXX and XX/XX/XXXX while I was being hospitalized and under my doctors care due to an injury. The fraud was not discovered by me until around XX/XX/XXXX when I was well and able to handle my finances. The fraud was reported to XXXX in XX/XX/XXXX. XXXX wanted me to release my medical records to them in order to verify I was in hospital which I didnt feel comfortable with doing I felt it was unnecessary. My debit card was being used in XXXX and XXXX states which Ive never been. At the XXXX   agreed not to report it on my credit bureau the charge off account but the account has remained on my ChexSystems report. XXXX  has refused to work with me on the dispute and getting the charge off cleared even after numerous phone calls and even with me filing a police report with the police department. I last spoke with XXXX at the midtown hy location in XXXX on XXXX. It was stated by her that there is nothing I can do about the account now because its been past 60 days since the fraud occured. I informed her that the fraud was reported over a year ago and the fact that I was hospitalized and gave her a copy of the police report. At this point it has been almost 2 years and still the account is not resolved even with XXXX having well known knowledge that there were fraudulent charges made on my account. At this point if it can not be resolved with the cfpb complaints, police reports, and identity theft affidavit, I am prepared to take this case to small claims court and sue for fcra violations, since this is reporting inaccurate and fraudulent information to a consumer reporting agency ( chexsystems ) and has been doing so for almost 2 years even after they have knowledge the account was used fraudulently and not by 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 2019-07-15 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: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/XXXX we made a payment online to Macy 's. We have made payments this ways for many many years. No information or data or account numbers have changed. Macy 's stated they did not receive the payment and subsequently reported to my credit bureau that I was delinquent. We have contacted Macy 's numerous times and escalated the calls and sent emails at the executive level with no resolve. We have provided 3 different types of proof of payment to Macy 's including bank statements, proof of payment from XXXX bank and other bank documents. We are now trying to get a forth document at the request of Macy 's. This is over a {$50.00} payment that was not due until XX/XX/XXXX. Documentation shows that it arrived XX/XX/XXXX. Macy 's still contends after all of this proof that we did not pay and they refuse to update the credit or the 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 2019-07-15 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: GA

Complaint narrative:
I received results of an investigation from Equifax on XX/XX/2019. They failed to remove derogatory items from my credit. I am frustrated because the same thing happened with the other two credit bureaus as well. I am frustrated because I thought that I followed the proper procedures in filing a police report and disputing the items that were identity theft. I have no control over what someone has done in my name but I am doing all that I can to get my credit back together. It's not fair that someone can take advantage of me and use my name and the credit bureaus ( Equifax, XXXX, and XXXX  ) fail to do their job in deleting the items.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH

Complaint narrative:
I bought a car from the dealership. They never sent the registration and titling to the DMV.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15 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: NC

Complaint narrative:
On XX/XX/XXXX, my wife and I initiated a credit investigation via postal mail. Over 30 days have past, and we have not yet received responses. We were supposed to have responses by XX/XX/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 non-monetary relief
Consumer complaint received 2019-07-15 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc

Complaint narrative:
Company causing an issue : PayPal. 

PayPal is a U.S. company with a long history of inappropriately holding customer funds without cause. Kindly note, I am a XXXX  citizen, currently travelling, in XXXX XXXX at the time of sending this email. 

Date and nature of attempted transaction : Simple transfer of funds from my own PayPal account to my own bank account, as done countless times before. Between XX/XX/2019 and XX/XX/2019 Amount being held by PayPal without reason : XXXX GBP Issue : I have held a PayPal account without any complaint, issue or breaches to company terms of use, for approximately 10 years. In recent weeks, PayPal have put a hold on my account and requested that I provide identification for myself ( that I am who I say I am ) and for my home address. I am effectively locked out of using the service and have made at least three attempts to provide the demanded information. PayPal demanded that I submit a copy of my passport and a current bank statement. I have submitted this information via their online pathway several times and remain 'locked out ' of using the platform. I have not had any communication from PayPal to advise why, and for how long they may hold my money, which though not a large sum, is very much needed. The information was definitely received by PayPal, but it has appeared to make no difference to the hold they still have on my account and my hard-earned money. Without any reason provided. The error message states : " You have an account alert We need more information to resolve a problem with your account. '' As detailed above, I HAVE provided this required information and they still refuse to communicate with me, or release my money. 

In my research on how to resolve this matter, I discovered that this is common practice with PayPal, and even for MUCH larger sums of money, causing extreme distress, even to honest customers with a good track record, regarding terms of use. 

To resolve this matter, I would be happy to have PayPal release my own funds back to me, and ideally apologise for their poor service despite my loyalty. If the company demand that I no longer use the system, I would very happily comply with this as I have lost faith in PayPal. 

This issue is causing me severe XXXX distress due to the fact that I have medical concerns at this time, and need to have access to my money to prepare for XXXX. 

Thank you so much for any support or advice you can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I have been in XXXX since XXXX XXXX - until XX/XX/2019. Went into wells Fargo bank showed them the discharge papers from been released from XXXX and the papers when I got XXXX I have to go through this process is stressful when I have to go with the law on fraudulent people identity is not acceptable in USA. So why is the financial institution letting people get away with it because they doing the same thing, Don't care about people getting their identity stolen so they can straighten their credit out. 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 2019-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
I opened a checking account with Citi because of a promotion I saw to receive XXXX XXXX XXXX  miles. I met the requirements for the promotion ( promo code XXXX ), but I still have not received the miles. The offer said it could take up to 90   days after meeting the requirements to receive the miles, and it has been significantly longer than that.

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 2019-07-15 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: GA

Complaint narrative:
I received results of an investigation from XXXX  on XX/XX/2019. They failed to remove derogatory items from my credit. I am frustrated because the same thing happened with the other two credit bureaus as well. I am frustrated because I thought that I followed the proper procedures in filing a police report and disputing the items that were identity theft. I have no control over what someone has done in my name but I am doing all that I can to get my credit back together. It's not fair that someone can take advantage of me and use my name and the credit bureaus ( XXXX, XXXX, and TransUnion ) fail to do their job in deleting the items.

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 2019-07-15 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: GA

Complaint narrative:
I received results of an investigation from XXXX  on XX/XX/2019. They failed to remove derogatory items from my credit. I am frustrated because the same thing happened with the other two credit bureaus as well. I am frustrated because I thought that I followed the proper procedures in filing a police report and disputing the items that were identity theft. I have no control over what someone has done in my name but I am doing all that I can to get my credit back together. It's not fair that someone can take advantage of me and use my name and the credit bureaus ( XXXX Experian, and XXXX ) fail to do their job in deleting the items.

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 2019-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Exeter Finance, LLC.
State: WA

Complaint narrative:
I was working XXXX day on XX/XX/2018 closing shift and got a notification with a lot of inquire I did not apply for I called and asked the representative to remove them off my credit report and customer service was rude and wouldn't take care of it

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I was working one day on XX/XX/2018 closing shift and got a notification with a lot of inquire I did not apply for I called and asked the representative to remove them off my credit report and customer service was rude and wouldn't take care of it

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
I XXXX XXXX, Is very upset that the credit bureau place negative things on my credit after I had send them my police report and My identify theft report they remove it and place it back on my credit with out my consent. I am very upset I have been getting turn down for credit. I have no knowledge of this debit they are trying to collect on. Please help me. I just don't understand how all three credit bureau take things off my credit and place it back with out me knowing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rausch, Sturm, Israel, Enerson & Hornik, LLP
State: TX

Complaint narrative:
I told the person this what my debt and I have no knowledge of this account. They keep selling this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15 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: NC

Complaint narrative:
On XX/XX/XXXX, my wife and I initiated a credit investigation via postal mail. Over 30 days have past, and we have not yet received responses. We were supposed to have responses by XX/XX/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 2019-07-15 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Fairway Independent Mortgage Corporation
State: TX

Complaint narrative:
This is based in Arizona XXXX XXXX XXXX via XXXX XXXX is in NJ stated that they need me to sign documents to help with credit score which signed electronically before the site started changing and asking what country am I which no lender would ask the number I called but when then they other document that request my Bank Statements, W2, Drivers License, Name of My Last Employers, IRS Statements , My Social Security basically everything they need to become me and buy an open line of credit or sell my information on the black web. I was then told that I would be speaking to XXXX via XXXX AZ rep which felt like a bit and switch. He did not inform that he would be send a request for all my information by just got back to back emails I have been a victim of fraud and ID theft before which told him so I did not send anything. I credit score drop with their inquiries and attempt they have an office based in XXXX he should have directed me to their rep They gain my signature under fraudulent means This Compnay XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX

Company response to consumer: Closed with explanation