vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-26 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The credit score is based on outdated and incorrect data and drops drastically instead of increasing as it should based on facts. The credit limits they show is wrong, the balances they show is incorrect and the usage is incorrect. When you attempt to dispute the facts they do not offer direct means. I have documentation showing they are wrong and have unfairly treated 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 2021-02-26 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: NY

Complaint narrative:
I have notified Equifax that I am a victim of identity theft numerous times, there are accounts on my report that are not mine and are showing on my report in error. I XXXX XXXX am not a third party.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: General Motors Financial Company, Inc.
State: MI

Complaint narrative:
At least a XXXX XXXX XXXX on XX/XX/XXXX. In my lease contract it shows there is a disposition fee at the end of your lease term if you do not purchase the vehicle or lease another vehicle from this manufacturer there will be a fee of {$590.00} that I agreed to back then. Like the 15 or so other General Motors vehicles that I have least over my lifetime I agree to this fee because I knew that I would always be getting another General Motors vehicle. In XXXX the world was struck with the pandemic all of the plants were shut down and vehicle production was halted. Because of this shutdown and production halt there were no vehicles available at the time when my lease was to be returned. I called multiple dealers in multiple cities from XXXX to XXXX to XXXX and there was no vehicles available in the full-size SUV class that I must drive due to my family size. In addition to the pandemic and low inventory in the full-size SUV category GM launched a new model year which made inventory even more scarce. I proactively tried for months before my lease term came up but there was no inventory on the market and there was a waiting list for all full-size vehicles from 6 weeks to 90 days. Due to this situation I wasn't able to grab another General Motors vehicle I was forced because there was no inventory to shop from another manufacturer. 

I feel I am wrongfully being charged a {$590.00} disposition fee because General Motors went into contract with me stating that they would provide me with another vehicle at the and of my lease term but in this situation because of all the factors explained above there were no vehicles available and General Motors did not hold up their end of the bargain. Now I am being threatened that my credit will be destroyed if I do not pay for a service that General Motors was not even able to provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I recently checked my credit report and noticed fraudulent inquires on my credit report.I reached out to the creditor to request the inquire to be removed and they have not removed it.These are fraudulent inquires and need to be removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 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: AR

Complaint narrative:
I have been wanting to remove inquires from my credit report for almost 6 months now. I'm new to credit and just now figuring a lot of that i didn't have authorized or gave any consent. i would just like the items i have dispute removed and deleted from my credit profile so i can live a better life.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 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: PA

Complaint narrative:
I recently checked my credit report and noticed fraudulent inquires on my credit report.I reached out to the creditor to request the inquire to be removed and they have not removed it.These are fraudulent inquires and need to be removed immediately

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 2021-02-26 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: NY

Complaint narrative:
I am a victim of identity theft, as I have already notified Experian of this information thru my membership with 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 2021-02-26 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
Ally Financial is reporting my auto loan as still open when it has been paid off. 
All 3 credit bureaus are showing an open balance with Ally Financial and 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 2021-02-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC
State: GA

Complaint narrative:
I've learned that Phoenix Financial Services is a debt collecting agency after I saw this debt collection show up on my credit report. I contacted Phoenix to get information about the creditor as I'm unaware of who they are. They did tell me the bill from this creditor is from XXXX. It's now XXXX. I have never received a bill from the named creditor nor have I received a phone call regarding any debt. I have had the same phone number for 20 years and while I have moved, my mail had been forwarded to current address. Why have I not heard from the creditor or this collection agency regarding this bill over the last 2 years? I last spoke to Phoenix collection agency on XX/XX/XXXX once again requesting an itemized bill and information on this creditor and still have received nothing. I confirmed my mailing address, phone number and email. It's been over 60 days and still have received nothing. I can only assume this is fraudulent as this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
On XXXX, I unexpectedly received an email from the bank that my account has been permanently suspended and that all access has been terminated. I have a large amount of money on the account and they are refusing to return my money, access it or transfer it to another account. I made numerous attempts to call them and I was told there was nothing i can do and given no explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 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: EQUIFAX, INC.
State: AR

Complaint narrative:
I have been wanting to remove inquires from my credit report for almost 6 months now. I'm new to credit and just now figuring a lot of that i didn't have authorized or gave any consent. i would just like the items i have dispute removed and deleted from my credit profile so i can live a better life.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I have been wanting to remove inquires from my credit report for almost 6 months now. I'm new to credit and just now figuring a lot of that i didn't have authorized or gave any consent. i would just like the items i have dispute removed and deleted from my credit profile so i can live a better life.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MO

Complaint narrative:
XXXX XXXXXXXX XXXX erroneously recorded a {$52000.00} XXXX XXXX loan and property lien for a prior 90-day delinquency that was cured by 3 months of increased ( liquidating ) payments. As current loan servicer for XXXX  XXXX XXXX, Carrington Mortgage has agreed to investigate the complaint however, they require all communication with them be via fax - only.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Re : Acct. XXXX To Whom This May Concern : As i have not heard back from " Experian '' in over 30 days since my formal written notice of dispute dated XXXX, and since they have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) XXXX XXXX XXXX, XXXX, i may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.

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 2021-02-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX is reporting my auto loan as still open when it has been paid off. 
All 3 credit bureaus are showing an open balance with XXXX XXXX and 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 2021-02-26 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX is reporting my auto loan as still open when it has been paid off. 
All 3 credit bureaus are showing an open balance with XXXX XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX is reporting my auto loan as still open when it has been paid off. 
All 3 credit bureaus are showing an open balance with XXXX XXXX and 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 2021-02-26 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
State: FL

Complaint narrative:
PayPal closed my account for no reason on the XXXX XX/XX/2020 and promised to open it after 180days.. It's past 180days and they are not helping me with getting it back up and allowing me use my balance. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Creditors Bureau Associates
State: GA

Complaint narrative:
On XX/XX/2020 I sent Credit Bureau Associates a debt validation letter, in which they received on XX/XX/2020 at XXXX XXXX requesting debt validation for two collection accounts they are actively reporting on both my XXXX and XXXX credit reports. They responded with a vague billing summary that did not include any information to validate the debt. The amounts do not match the amount reporting on my credit reports, there is no breakdown of fees, as well as having a line at the bottom of the billing summary which states, " Total Charge Outstanding as of XX/XX/2020 {$0.00} '' ( the {$0.00} amount is listed in all three payment columns ). I subsequently followed up with another debt validation on XX/XX/2020, in which they received on XX/XX/2020 at XXXX XXXX. To date they have not responded to my request. By not responding and not validating this alleged debt Credit Bureau Associates have not only violated my rights under the Fair Debt Collection Practices, but also violated my rights under HIPAA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: NY

Complaint narrative:
On XX/XX/21 I was given a return of XXXX from cashapp in which I was scammed for by another person whom I gave no permission to use my account The said account that the money was returned to is closed and I cant withdraw my final funds or cash it out to another card

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pendrick Capital Partners
State: SC

Complaint narrative:
On XX/XX/XXXX I received a collection notice from Affiliate asset solutions wanting a balance of XXXX. The date of service was XX/XX/XXXX. This was not my debt and I have no knowledge about account. At that time, I was XXXX in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 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:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC
State: OH

Complaint narrative:
I have been using XXXX XXXX XXXX XXXX located in NY and recently decided to withdraw my USD amounting to XXXX back into my bank account. Per their instructions and policy I made sure the deposits I made there had cleared, that my identity and that my bank account info was verified to their standards. However, they do not allow me to select my bank to transfer to and insist I add another bank for no discernible reason and with no explanation. I have not performed any action that would warrant a hold or freeze detailed in their TOS. I have attempted to contact them multiple times since the beginning of this week both via email and through social media with no reply. I have spent hours searching for answers due to their silence and have found their social media pages flooded with complaints of people waiting months with no answers. I have not found any viable answer as to how I can initiate my transfer whatsoever and I am far from alone in this. I am currently unemployed, have a new daughter, and there is a pandemic. I anticipated that my money could be held for some days due to processing, but to have it held in uncertainty with no explanation for months will be truly damaging and is by all means entirely inexcusable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: OH

Complaint narrative:
I purchased my home XX/XX/2001 for XXXX in the first home buyer program with a fix rate of 8 % and now 19yrs later I owe XXXX my principal is XXXX and my interest isXXXX a month Ive made three attempts to lower my interest rate so now its 6.375 % I didnt know all these years what was being done to me, I could never get my balance down I started off with XXXX XXXX XXXX XXXX XXXX for some years and then without me asking they sold my account to Select Portfolio Servicing which Ive been dealing with for some years now please help me with answers

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
On XXXX  I received a letter from XXXX XXXX stating that my " debt '' was sold to Porfolio Recovery Associates, LLC ( PRA ). PRA send me a bill the same day for {$1100.00} for a XXXX card ( i guess?? ). 

I can't recall the exact day, but I spoke to XXXX XXXX months prior when they sent me a letter saying I owed that amount. I verified all my information and was told that is was NOT my debt as the social security number did NOT match. 

So, today XX/XX/ I call PRA to tell them the same thing I went over months ago with XXXX XXXX. The guy I spoke to a PRA also concluded that the social didn't match but wanted ME to write to them to dispute the debt. This is clearly an issue with PRA and/or XXXX and their skip tracing. 

This matter should have been resolved when I spoke to XXXX months ago. I'm not sure who ( or maybe both ) are to blame - -XXXX or PRA, but I will not be harassed anymore over a debt that is 100 % not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 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: CA

Complaint narrative:
I received my credit report from you. It included the following incorrect information it will also be posted in the documents section. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2 accounts XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX And several addresses and hard inquries, they will be all highlighted in the report in the documents as well. These addresses are unknown to me XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX XXXX  XXXX XXXX XXXX My child support and doctor bills are showing up unpaid I will be posting receipts that they have been paid in full, I am enclosing a copy of my credit report with the incorrect data highlighted.I just received a letter from that creditor verifying that this information on my credit report is inaccurate and should be removed from my credit file. I have enclosed a copy of the letter, because I am a victim of identity theft its also multiple social security numbers on my account and my ex wife who I have been divorced from for over 10yrs info as well and it shouldn't be.

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