vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-25 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALLY FINANCIAL INC.
State: AL

Complaint narrative:
Ally Financial provided the financing for my wifes car. I am in no way involved as it was purchased before we were married. During the pandemic, Ally has forgiven payments for two months, essentially added two months at the end of the loan term. Automatic payments made by my wife have been refused during the pandemic. However this has not prevented Ally calling multiple times a day about the debt. They call both of us but as someone not in debt to Ally I feel any contacting me is harassment. I have twice called the company and explained just that. Each time they agreed to remove me from the call list but have failed to do so. Over Memorial Day weekend I have received 12 calls from a company I dont owe money. Any help with this matter would be appreciated.

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 2020-05-25 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I've called twice and tried online chat. I have returned items via mail to XXXX XXXX months ago and have yet to see a credit for my returned items. Now I understand that we are under a pandemic but having no resolution other than disputing the charge is absurd. Their online functions are garbage that the whole company XXXX XXXX XXXX is stuck in the stone ages!! I paid my bill so that I do not have implications on my credit report and want my MONEY!! Please refund my money! I also never asked for this to be a credit card instead of just a store card, I want it to be a store card only!

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 2020-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 


EQUIFAX - Creditor : XXXX Inquiry Date : XXXX XXXX, XXXX Creditor : XXXX XXXX XXXX  XXXX XXXX  Inquiry Date : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date : XXXX XXXX, XXXX Creditor : XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  - Creditor : XXXX XXXX Inquiry Date : Doesnt show Creditor XXXX XXXX XXXX XXXX Inquiry Date : Doesnt show Creditor : XXXX XXXX  XXXX  Inquiry Date : Doesnt show Creditor : XXXX XXXX Inquiry Date : Doesnt show XXXX  - Creditor : XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX  XXXX Inquiry Date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25 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: TX

Complaint narrative:
I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 


XXXX  - Creditor : XXXX Inquiry Date : XXXX XXXX, XXXX Creditor : XXXX XXXX XXXX XXXX NA Inquiry Date : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date : XXXX XXXX, XXXX Creditor : XXXX  Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX  - Creditor : XXXX XXXX Inquiry Date : Doesnt show Creditor : XXXX XXXX XXXX  Inquiry Date : Doesnt show Creditor : XXXX BANK CONSOLIDATED Inquiry Date : Doesnt show Creditor : XXXXXXXX XXXX Inquiry Date : Doesnt show XXXX - Creditor : XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX  XXXX Inquiry Date : 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 2020-05-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Experian not reporting account sold and never reported in remarks.Inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Ocwen Financial Corporation
State: HI

Complaint narrative:
XXXX XXXX out of XXXX was sued in XXXX in XXXX XXXX XXXX and the EX-CEO XXXX XXXX was asked to produce a Contract and Proof of any money lent to XXXX XXXX XXXX XXXX the law firm was suppose to respond.There was XXXX Response ' which is 'TOTAL FRAUD! 'Ocwen XXXX the XXXX Servicer of the XXXX have 'HARASSED ' XXXX since XXXX and bought XXXX XXXX in XXXX, XXXX has XXXX CONTRACT ' nor has any 'MONEY BEEN LENT ' to XXXX by them The XXXX Contract lapsed in XXXX! XXXX the XXXX of Limitations lapsed in XXXX! The XXXX has been 'BREACHED ' XXXX times! XXXX was SWINDLED by the Mortgage Broker XXXX XXXX in XXXX who FRAUDULENTLY wrote XXXX makes {$150000.00} a year when XXXX averages {$31000.00} a year! That '' XXXX a {$120000.00} difference! MAJOR PREDATORY LENDING! Then XXXX sent {$600000.00} of his XXXX stripped money to a 'PONZI SCHEME! 'Why hasn't the SEC XXXX XXXX XXXX Why hasn't the SEC investigated the Law Firm XXXX XXXX, XXXX, XXXX XXXX XXXX? The SEC sent me to them and they CHEATED me out of a Settlement with XXXX XXXX that was worth Millions! We the People PAY YOU TO DO YOUR JOBS AND NOTHING IS BEING DONE!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25 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:
XXXX  not reporting account sold and never reported in remarks.Inaccurate information.

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 2020-05-25 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: ALLY FINANCIAL INC.
State: MO

Complaint narrative:
Ally Finacial has been receiving our loan payments for quite sometime ... we have refinanced the car in XX/XX/XXXX and found that they have not been reporting the payments of the loan since XX/XX/XXXX. I placed disputes with XXXX  but they are saying its resolved and it hasnt been. I also would like this updated with 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 2020-05-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Account XXXX : XXXX XXXX : XXXX I would like to get a full refund for the defective printer that I returned XX/XX/2020. I provided Capital One with all requested information on XX/XX/2020 regarding the dispute however they still billed my account. please see attached paperwork.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-26 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
I saw an ad on XXXX for a website called XXXX  XXXX. Had many good deals on this site and was for a VERY reasonable price. I went on the site placed an order and gave my card number for the purchase of almost {$400.00}. After the payment went through I noticed really quickly that there was no confirmation number. I thought maybe i didn't charge my cardm I immediately checked my account on the card holder website and sure enough it went through, said payment on hold. I immediately searched the website to check for website being a scam website and it was. I immediately called the card holder customer line to have them stop transaction immediately but was on hold for over 3 hrs. Couldn't get through, and no option on cardholder account website to cancel payment so I Immediately froze my card. Days went by while still trying to get through to customer service, waited 5hrs and finally got a live person told them the issue they said I needed to get ahold of the claims department, and said they could not stop the payment. She transferred me over to the claims dept and I waited for 2 more hrs. Finally a representative came online and said that the line I just called was the wrong line, she didn't know I was transferred over. So I asked for the claims number she gave me XXXX XXXX number. I was angry at that point. I tried again the next day same hold time same exact problem but this time the customer service agent hung up on me after waiting hours. Time went on and I finally got through to the claims department taking me almost 6 hrs to talk to them. They said they would contact me I n two days and never did. I called back waited for hours again, but when someone answered, he wanted my card number for security purposes and I asked if there was another way to verify it was me because I didn't have my card with me right then, he then pretended to no understand what I was saying and then transferred me over to the line I just called to wait another hour again ... I'm upset that I can't get through and I don't know what it is they are investigating through this claim process. I'm broke I want my money back and I'm never doing business with them again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 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: BANCO POPULAR DE PUERTO RICO
State: FL

Complaint narrative:
I already submitted a letter requesting the XXXX to report the XXXX MORTAGEas closed in my credit report and they haven't corrected the issue. The letter send to my credit report belongs to the first mortgage not the second 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 2020-05-26 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 — Overcharged for something you did purchase with the card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
XX/XX/2019 XXXX 's REFUNDED {$200.00}. & {$280.00} for items Not Delivered. XX/XX/2019 USAA CHARGED THESE AS NEW PURCHASES ** AFTER MERCHANT CREDITED. USAA posted adjustments ** 3 days AFTER Merchant Paid. USAA adjustment purchase of XX/XX/2019 WAS THE SECOND CREDIT ** AND THEREFORE DID NOT APPLY. ( **You can NOT have TWO CREDITS for ONE purchase.!!! ** ) USAA REVERSED MERCHANTS CREDITS {$200.00} {$280.00} XX/XX/2019 Kindly Note TOTAL CREDITS FOR THIS PERIOD ** DID NOT INCLUDE ANY USAA CREDITS. TOTAL CREDITS {$910.00} APPLIED XX/XX/2019 ARE ALL MERCHANTS CREDITS. ( There were No ussa Credits Applied to Reverse!!!!!!! )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 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: Renew Financial Holdings Inc
State: CA

Complaint narrative:
I applied for financing through XXXX and was denied for " Delinquent property taxes within last 3 years '' on my XXXX  XXXX consumer credit report. 

I checked my XXXX  credit report and there is no reference to delinquent property taxes because I've never been delinquent. 

I attempted to file a complaint via XXXX, however, there is no way to submit a complaint regarding Property Taxes. 

I believe the information provided to the lender was inaccurate and resulted in my denial to critically needed financing. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 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: GA

Complaint narrative:
This company has been claiming to " verify '' account information for XXXX XXXX, when they have not. 
This account is a charge-off, and they are allowing XXXX to report a new one every single month for the past 3 years. Its a SINGLE charge-off and not 36 charge-offs. This has me really stressed out and i now worry about my mental health. They know This is against the FCRA ( Fair Credit Reporting Act ), because i've told them in numerous letters but it keeps getting verified. This account can not be charged off WITH a balance if its been sold to a collections company, also against the FCRA. The last " update '' to this account was in XX/XX/2017 but the account always comes back at updated/verified. Whats actually being updated? 
THis can not go on. This account is NOT being verified, they arent providing me proof, nor are they telling me how they verified it once they do it ... more fraud violations

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 2020-05-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: MN

Complaint narrative:
I made several contacts with XXXX XXXX XXXX XXXX to remove the charges that were occurred in my name as a result of identity theft with no luck it was then sent to collections and now it is derogatory on my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 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: Conn's, Inc.
State: TX

Complaint narrative:
Disputed XXXX  accounts are sold and never reported in remarks .Still reporting limits and balances.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
This debt originally started with XXXX XXXX XXXX in early 2018. After using high pressured tactics to buy this property, {$15000.00} was financed with XXXX and {$19000.00} financed with PayPal with no payment for 6 months. Their decision to approve this loan was based on credit score and not on income. Our agent emphasized what a great investment this property in XXXX XXXX was for us as well as my children. My husband and I went home and after processing and mentally rethinking, I called the agent on several occasions about the upcoming debt with PayPal to discuss selling this property or give us any advice he could provide since he had given me his personal cell phone number in case I had any questions or concerns. He never returned my calls. I even attended a third free holiday weekend in search of our agent and to my surprise was informed that he no longer worked for XXXX. I mentioned that had read about several law suits pending against XXXX, his reply was what is a few law suits against a company as big as ours. That alone led me to believe that XXXX nor PayPal did not have the consumer 's best interest but only in making the sale. They introduced me to another agent who also tried to high pressured me into upgrading even more. After numerous attempts of coercing me into upgrading, the agent walked off stating that I was wasting her time. I left in total disgust. I started receiving PayPal delinquent notices, then telephone calls and notices from XXXX XXXX XXXX. XXXX., a debt collection agency, Synchrony Bank , and XXXX XXXX In XX/XX/2018 I refinanced my home to payoff all outstanding debt on the credit report only to find out PayPal was not listed. XXXX was paid in full with the exception of outstanding maintenance fees. I hired XXXX XXXX in XXXX and obtained a deed in lieu of foreclosure. XXXX stated that they did not work with third parties therefore, could not help me with PayPal. My dispute is how am I still owing for a property that I was highly pressured and coerced into signing and never used or visited said property? At about the same time I received a title from XXXX XXXX with a deed of Trust, PayPal and the other collection agencies listed above have not reported this loan to the three credit bureaus and it has never reflected on my credit report. I have an excellent credit rating and worked very hard to keep it this way.I am attaching documents that should be useful, as of this date, XX/XX/XXXX I have yet to hear or receive any collection calls or notices.

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 2020-05-26 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: EQUIFAX, INC.
State: TX

Complaint narrative:
filed ftc on these co for violations thats on ftc web page XXXXDispute XXXX  XXXXDispute XXXX XXXXDispute XXXX XXXX   XXXXUnder Dispute XXXX XXXX  XXXXUnder Dispute DEPT OF EDUCATION/XXXXUnder Dispute DEPT OF EDUCATION/XXXXUnder Dispute DEPT OF EDUCATION/XXXXUnder Dispute DEPT OF EDUCATION/XXXXUnder Dispute DEPT OF EDUCATION/XXXXUnder Dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
had an account on my credit report in which was removed with XXXX XXXX XXXX. I contacted the XXXX XXXX XXXX and inquired why the debt returned on my credit report after 5 ( five ) years. Per XXXX, they did not put the debt on my report. I contacted Transunion and inquire per Transunion they have to return all debt on everyone 's report, so don't think it's just me. I need assistance in this matter why Transunion is having the right to returned this item from XX/XX/2014 back on my report. I feel Transunion is taking the rights of many Americans. 
Because of this matter, my Credit Score decreased, please help!

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 2020-05-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
filed ftc on these co for violations thats on ftc web page XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX   IXXXXUnder Dispute XXXX XXXX XXXXUnder Dispute DEPT OF EDUCATION/XXXXUnder Dispute DEPT OF EDUCATION/XXXXUnder Dispute DEPT OF EDUCATION/XXXXUnder Dispute DEPT OF EDUCATION/XXXXUnder Dispute DEPT OF EDUCATION/XXXXUnder Dispute

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 2020-05-26 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: TX

Complaint narrative:
filed ftc on these co for violations thats on ftc web page XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXUnder Dispute XXXX XXXX XXXXUnder Dispute DEPT OF EDUCATION/XXXXUnder Dispute DEPT OF EDUCATIONXXXXUnder Dispute DEPT OF EDUCATION/XXXXUnder Dispute DEPT OF EDUCATION/XXXXUnder Dispute DEPT OF EDUCATION/XXXXUnder Dispute

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