vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
At the middle of XXXX I XXXX looking for a product. The XXXX XXXX I found a sight that had it in stock but charged quite a bit for a bottle. I went to the check out and realized they wanted payment through PayPal which I prefer not to use. I opted to use my debit card from my checking account. I paid {$19.00} on XX/XX/2020 I never received a confirmation number nor any tracking number. The only thing I see is they took the funds out of my account but never shipped the product. I tried numerous times to contact PayPal but you cant speak to anyone due to covid 19 they are saying. I tried to put in a dispute and request a refund for a scam bu was unsuccessful in that as well. The only information I have is this information that is showing on my bank account. PayPal XXXX XXXX CA XXXX XXXX. XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-07 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:
These are not my accounts. Please remove them 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 2020-05-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX : VIN # XXXX Date : XX/XX/XXXX To Whom It May Concern, This letter is a formal statement notifying the above parties that the accounts under VIN # XXXX are disputed. 
The vehicle in question was purchased on or about XX/XX/XXXX, financed by Toyota Motor Credit, repossessed in the state of Illinois, and sold by Date : Unknown and sold by Unknown on or about Unknown. 
Under the laws of Illinois and Texas and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to.

I demand proof that the repossession of the subject vehicle was legal in accordance with the following UCC : 9-506. EFFECT OF ERRORS OR OMISSIONS. 
9-611. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL.

9-613. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL You are required to provide me with copies of the legal notices and proof of the commercially reasonable manner of the notification and resale of the subject vehicle. 
If no such proof is provided within 15 days from receipt of this certified mail notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. 
In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and including but not limited to UCC 9-625 remedies.

Furthermore, you are hereby notified that at no point in time and under no circumstances is your company ; an employee of your company ; a representative for your company or affiliates are to contact me or any family members by any means other than the US mail system. 
XXXX XXXX XXXX XXXX SS Number : XXXX Contract name was : XXXX XXXX XXXX Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Asset Recovery Solutions, LLC
State: CA

Complaint narrative:
They keep calling my Mom and Grandparents. Even though they do not owe any debt, were not co-signers etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
Spoke with someone named XXXX at XXXX. XXXX. When I told him that I don't agree with the debt, he told me I could either pay now or wait until judgment to dispute it in court. His exact words were, " I don't think the bank would make this up. '' When I referred to him as a customer service representative, he stated that he is a part of a litigation firm, inferring that he was an attorney, which I don't believe to be true. I was never offered a letter outlining the dispute and was given the impression that my only option was court or a payment plan. Additionally, the debt has passed the Ohio statute of limitations, therefore, suit can not be filed although he claims that such was happening. He was extremely rude and nasty, to make matters worse.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 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: CA

Complaint narrative:
These are not my accounts. Please remove them 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 2020-05-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
First I want to specify that this is not a duplicate so please stop the discrimination because my complaint isnt the addressed you are to continuing to let this company take undue advantage of me because of my race. They did approve a deferred payment on XX/XX/2019  and did not apply that payment to the end of that loan and are asking money because they didnt do what they said they would, now you need to make them send me in writing a retraction if they continue to refuse to correct my account information. This is direct and out discrimination and I can not believe you as a regulator think it okay for Capital One to collect double payments. Fine this company and correct discrimination. Please do your job as this is wrong, wrong ....

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
As of XX/XX/XXXX, Synchrony Bank has failed to remove two inquires from my XXXX Credit Report as advised on correspondence from them to date. 

I received a letter from XXXX XXXX which advised that they submitted requests to have the following inquiries removed : SYNCBChevron DC XX/XX/XXXX SYNCBTJX CO Dual Card XX/XX/XXXX The letter stated it could take 60 days, however, the inquires have not been removed to date. 

The letter that I have attached that was provided by Synchrony bank advising that they have requested removal was sent to XXXX by uploading to their website and they haven't removed to date.

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 2020-05-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
1 ) I was told by your representative that I could make late payments and it wouldn't affect me negatively because of the forbearance. That was incorrect and I listened to her advice. There was a miscommunication. At any rate, I paid all the past due funds back. The account is current. I even got off the new covid forbearance to make amends and clean everything up. As a courtesy, can you remove the late payment due to the representative 's miscommunication and never having a late payment with you all prior to that miseducation?

In addition, I think I saw on my credit report two late payments. Please confirm that was never the case and remove that as well.

2 ) Also if there was a late payment for XXXX. I will be really upset. Again the rep on the phone told me what I needed to pay to make the account current by XX/XX/XXXX although I was still on forbearance and could had prolonged it, I didn't and I did make the payment she told me.. Based on your websit after the payment, it said it wasn't enough so I made the additional payment after the due date and after you all processed the payment and updated your website. At the previous time your website said that was all that needed to be paid like your rep said. 

So I would like to request both late payments removed please since there was miscommunication by your reps on both times and at any rate I caught up on the payments to clear the air. 

And lastly, My loan specialist throughout all this, XXXX XXXX, repeatedly did not return my phone calls or answer them for assistance and clarification about the payments. It has been a poor customer service experience for a long time now. 


3 ) Additional proof, I received a statement for escrow dated XX/XX/XXXX20 telling me I need to make a payment of an escrow shortage by XXXX/XXXX20 or my monthly payment is going up. Excuse me? I never even had a chance to pay this statements escrow shortage and incorrect date processing. This is another example of poor miscommunication from Mr. Cooper that affects my understanding of payments and my ability to pay before due dates. 

I want to pay the shortage amount to leave the bill at {$970.00}, not the new {$980.00}. And I want the late payments removed. 

4 ) In addition, I was on forbearance but got kicked off after following your employee 's instructions. I was told late I would be sent an appeal letter to dispute being kicked off, but it never came ... until now. I received the letter on XX/XX/XXXX for review and it is even postmarked XX/XX/XXXX by USPS. But the letter is dated XX/XX/XXXX and it said I had 14 days from the letter 's date. Which means I never had a chance to appeal. And this letter was likely postdated and sent late. but not corrected as such. Another example of poor communication. I would like my late payments removed from my credit report please to put all this behind us.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 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: MD

Complaint narrative:
Someone obtained my social security information along with my date of birth and opened up the following credit cards and financial accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 2 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-05-08 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:
Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 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: MD

Complaint narrative:
Someone obtained my social security information along with my date of birth and opened up the following credit cards and financial accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 2 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 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: MD

Complaint narrative:
Someone obtained my social security information along with my date of birth and opened up the following credit cards and financial accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 2 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-05-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: DE

Complaint narrative:
On XX/XX/20, I received a notification from XXXX XXXX that my XXXX XXXX store card had been closed. It was a surprising coincidence as I attempted to use my card online on XX/XX/20 but it wouldnt process. I attempted to resolve the issues by phone but TD Bank, the servicing bank, could not provide me any answers. 

On XX/XX/20, I called TD bank again and the associate stated my card was closed due to inactivity. The associate then stated my card could have been closed since XXXX XXXX now services XXXX XXXX store cards. 

Again, I did not receive a definitive reason why my account was closed and I still have not received notice from TD Bank that my card would be closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 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: WI

Complaint narrative:
I had XXXX in charges occur on this shell.XXXX in or around XXXX XXXX XXXX it is not mine and theft is best i can guess but i did not charge them Fraud was called in XX/XX/XXXX and i call to follow up XX/XX/XXXX Asked to put claim XXXX and take my card from credit agency as adverse accounts This as best to my knowledge the truth as well i'm in a protected class SSA XX/XX/XXXX back dated # XXXX 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 2020-05-08 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: GA

Complaint narrative:
As of XX/XX/XXXX, XXXX XXXX has failed to remove two inquires from my Transunion Credit Report as advised on correspondence from them to date. 

I received a letter from XXXX XXXX which advised that they submitted requests to have the following inquiries removed : XXXX XXXX XX/XX/XXXX XXXX XXXX   Dual Card XX/XX/XXXX The letter stated it could take 60 days, however, the inquires have not been removed to date. 

The letter that I have attached that was provided by XXXX XXXX advising that they have requested removal was sent to Transunion by uploading to their website and they haven't removed to date.

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 2020-05-08 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: NV

Complaint narrative:
These are not my accounts. Please remove 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 2020-05-08 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I became delinguent with my XXXX XXXX credit card XX/XX/XXXX, its recorded as charged off in XX/XX/XXXX, experian records no data from XX/XX/XXXX-XX/XX/XXXX. I paid the debt in full thru XXXX XXXX in XX/XX/XXXX. After disputing status will not be updated, still states closed.experian shows as of today " XXXX written off. Updated XX/XX/XXXX '' which also includes a new " charged off '' status XX/XX/XXXX indicating a recent late payment. And no status has been reflected as paid although it has been and i have been subject to adverse abusive tactics by XXXX XXXX which seemingly is tied to my dispute. 

My concern is that in the fair credit reporting is it indicates its valid to report a " charged off '' status for seven years, and concurrently states that the seven years starts with charged off status. I dont know if this is a larger issue, however there seems to be a problem with the language to protect consumers.im unsure if this is valid to move forward with notifying XXXX  XXXX, however unless im understanding incorrectly this is unjust with reporting especially when the debts are paid. A similar action was adversely taken against me with another paid collection XXXX credit card, which resulted with multiple late payments, even though debt paid.

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 2020-05-08 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: NV

Complaint narrative:
These are not my accounts. Please remove 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 2020-05-08 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: NV

Complaint narrative:
These are not my accounts. Please remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 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:
FTC VIOLATION FCRA INQUIRIES NOT AUTHORIZED

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