vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-22 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: NY

Complaint narrative:
Not my accounts or inquires

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 2020-05-22 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: NY

Complaint narrative:
Not my accounts or inquires

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 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: OH

Complaint narrative:
I have tired to dispute a car loan that was opened/co-signed in my name by a former spouse. During the time the loan was opened I was XXXX  so there is no way I can possibly have opened the loan. I have documents to prove that as well and will add those to my compliant. I have tired 3 times now and can not seem to get them to remove it. The documents will show I was in XXXX  on XX/XX/2016. I had trial XX/XX/2016 and my XXXX was XXXX XXXX which would make no sense as to how I would be able to get a car loan

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 2020-05-22 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: OH

Complaint narrative:
XXXX of 2019 it was brought to our attention by XXXX that our bill was delinquent and that we owed {$120.00} which was promptly paid. The account was set up on direct withdrawl and the card had expired which we were never contacted. The amount was promptly paid in XX/XX/2019 with no monies owed aside from our monthly bill from that date until now. I provided the information to TransUnion and XXXX where it appeared, screenshots and account status, XXXX  has removed the inaccurate reporting however TransUnion replied that the account has been verified which is not possible, my account evidences this. This is keeping myself and my wife from being able to refinance our home due to the score this is hurting. I can provide statements to show the discrepancy was paid on XXXX XXXX, 2019, I can provide a copy of my account evidencing, I can also provide the proof that XXXX  removed this from my 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 2020-05-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: MI

Complaint narrative:
CashApp is not allowing me to access any of my funds. They have said that it's because my deposit from unemployment doesn't match the name on my account. The only difference between my deposit and my account is that my deposit has my middle initial. Otherwise, my name is the same. It's been over 48 hours now since I've been able to access my funds. I've submitted documents showing my ID and still can't get to my money. I have no groceries in my house and I'm unable to buy any because they have continued to freeze my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 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: TX

Complaint narrative:
I made an online purchase from a merchant called XXXX XXXX. The purchase was for a 3xl sweat shirt that costed {$160.00} with additional shipping charges. The sweater arrived at my address, however the size was not as advertised dimension wise. I contacted the merchant and returned the item via USPS as requested in their terms. I have not received any return or compensation for the payment. I have contacted my credit card company Capital One and opened a dispute. Originally they provided me with a provisional credit pending an investigation. However the credit was then taken back as they ruled the claim closed and for me to contact the merchant. I have made several attempts to contact the merchant and have not received a response to emails or calls. I have the receipt showing that my item was returned and insured with the postal service. 
I have recently contacted Capital One and they responded that they can not help me the case will remain closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: AZ

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX, I sent my mother XXXX XXXX XXXX ( XXXX on one transaction and XXXX on another transaction ) on her cashapp account. She informed me that once she received the money it disappeared. I launched an investigation with my bank and they informed me that they received information from Cashapp stating that my mom received the funds however they could not disclose where the disappeared to. They shut down the access to my moms account and never provided them the information on where the money went. We've asked multiple of times and even tried to call, however they do not have it where we can call anyone. 

My cashapp is $ XXXX My mothers cashapp account is $ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: HW Holding, Inc
State: CA

Complaint narrative:
Hunter Warfield ( XXXX XXXX XXXX XXXX. XXXX, FL XXXX ) is trying collect a debt ( Hunter Warfield Account : XXXX in the amount of {$6500.00} ) that was already resolved through SUPERIOR COURT OF CALIFORNIA COUNTY OF XXXX XXXX. I tried to explain this to the associates of Hunter Warfield on XX/XX/2020. They were unprofessional about the situation, none of them gave me a chance to dispute the situation. They only laughed at me and ended the call. Even though a few times I mentioned that the issue had already been resolved through court. 

Today Friday, XX/XX/2020 I have received yet another harassing a threatening letter with an attached contract that is false and misleading information, from Hunter Warfield trying to collect a debt Account : XXXX in the amount of {$6500.00}

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-22 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: PR

Complaint narrative:
There is an unauthorized inquiry on my credit report from XXXX on XX/XX/2019. I have written to Experian and they have not responded to my claim. I have placed a fraud alert on my credit report to deter possible future fraudulent inquiries and account openings.

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 2020-05-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: CREDIT ACCEPTANCE CORPORATION
State: MO

Complaint narrative:
My car was hit while park in front of my house on XXXX XXXX. I call my insurance, XXXX XXXX XXXX ; the car was total. The insurance company got the car supposely fixed. They total me that I could get it for {$1200.00} that was a salvage fee then XXXX XXXX issue a check for {$9800.00} to Credit Acceptance Co. Now the Credit Acceptance is stating that I owe them {$5300.00} for a car that was paid off. They are stating on my credit that I owe them for a car that was hit and the Credit Acceptance Co. want me to have but it is not any good at all. I do not have the car and I should not have to pay for  something that is pay off.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I had applied for a mortgage modification in XXXX when my mortgage fell behind. I dealt with a representative for several months, and then the decision came that i had filed for a modification in XXXX, and I had to wait 2 years to apply again. From the time of the application until now, I had made my mortgage payments as the representative told me as long as I stayed less than 120 days late, I would not be foreclosed upon. 
I received my normal mortgage statement dated XX/XX/XXXX for my next statement due date XX/XX/XXXX. Then I received a notice dated XX/XX/XXXX giving me some options to avoid foreclosure. On XX/XX/XXXX I received a new offer that had never been presented to me before. Chase gave me the option of " bring the loan up to date by creating an interest free subordinate mortgage/lien on the property for the amount of the advance. '' The letter gave me a deadline of XX/XX/XXXX to apply for the option. On XX/XX/XXXX I gathered my information requested, filled out the paperwork, and I faxed ( as requested ) the documentation applying for this modification. 
This morning, XX/XX/XXXX I received a call from a mortgage company I had never heard of before. They were asking me personal questions about my social security number, address and other stuff. I got suspicious because I had no idea who this company was. The woman told me the servicing of my mortgage was just transferred to them. I did not believe her, as I know when a mortgage service is transferred, the customer must be notified XXXX prior. The representative said I would be getting a notice on XX/XX/XXXX. 
I immediately called Chase as I assumed this call was part of a scam trying to get some of my personal information. Chase representative told me that my loan was transferred as of XX/XX/XXXX. She told me I received a letter dated XX/XX/XXXX, which I had not received. I asked her how I could have received 3 correspondences from Chase dated XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX with information regarding mortgage assistance if they had sold my mortgage on XX/XX/XXXX? She did not have an answer. 
My belief is Chase offered me a mortgage solution that would had been beneficial for both parties. I filled out the requested information to pursue it, and when they received my request, they then transferred my mortgage to a new company to avoid having to work with me. Their timeline does not make any sense. If the transfer of my mortgage was on XX/XX/XXXX, why did they wait until XX/XX/XXXX to supposedly send me a letter which I had never received, and why would they had sent out XXXX more correspondences dated after that with offers for me? Then 2 days after I apply for the assistance, I get a call from a new mortgage company I had never heard of? I feel this is a case of fraud and servicing wrong doing. I should be given the chance to apply for the relief they had offered.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: NV

Complaint narrative:
The company Convergent Outsourcing , Inc. been violating the law causing several damages to me difaming against me reporting an account with a different social security than the one that I have to my credit report. Please see the attached letter and documents

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 2020-05-22 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: World Acceptance Corporation
State: AR

Complaint narrative:
This company has made an account falsely. I did not open this account. They are a company known for deceptive practices. Feel free to XXXX any class action law suits against them. I have had several accounts through them in the past but this is not one of them. 

They have moved the account from " World Finance Corporation '' to " Personal Credit Plan '' and hurt my credit further as it still shows 2 separate charge offs. This is impacting my ability to purchase a home. 

Both accounts show as a charge off with a write-off. They wrote off this account and it also shows them charging a higher account balance since the original date. An account written off on taxes to a XXXX balance can gain no interest. 

They also stated that I made a payment on or around XXXX of 2015 which is false. 
They are showing other recent and missed payments on this account. 


I need a copy of the original contract with my signature, the transfer documents and the reasoning behind transferring it to your other company. All information submitted in regards to writing this off on taxes as a profit loss. 
As well as proof of all payments that it is showing that I made and from what bank account number. If you don't have the bank account number I will suffice with the info from bank card it was made from with a picture of this card to confirm the identity. 

What have you done is clear violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Confusing or missing disclosures
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
This complaint is about the disclosures and business practices of Care Credit. I was attempting to set up an account with them to provide their services to my patients. I discontinued that application when the company began checking my personal credit and wishing to have an inspection of my office facilities. 

First, it is not appropriate to investigate my personal credit, as our company is incorporated. This implies that I am signing a personal guarantee, and if that is true, that fact was not disclosed to me. 

Second, there is no justification for a bank to inspect our property. This was not disclosed in any of the documentation as well.

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 2020-05-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: NJ

Complaint narrative:
I call Kia Finance at the end of XXXX, I was told I could defer 3 payments due to the affect of the corona virus, I would need to call a few days prior to the payment due date each month and put in the request. I requested for the XXXX payment to be deferred which I was told was approved, however the finance company proceeded to put the payment through my bank and the payment was returned since the funds were not available which was the reason for the deferred request in the first place. I called Kia Finance and spoke with a representative who stated that when I originally called for the deferral the rep should have taken my account off of auto pay, she then stated that she would refund the fee 's associated with the transaction since the deferral was approved. I called again in XXXX at the end of the month prior to the due date and requested the deferral which again I was told was approved. I called yesterday XX/XX/XXXX to put in the 3rd request for the XXXX payment and was told that I owe {$1400.00}. that I had 2 returned payments, when I tried to explain to the representative what had happened she was very nasty and argumentative, she continued to tell me that I had deferred a payment in XXXX which did not happen I made my XXXX payment, the deferral program didn't start until XXXX when our state was locked down, it got to the point where she was yelling that we could end the call right now or we could proceed to request the deferral for XXXX instead of XXXX so instead of making things worse I answered her questions and tried to call again this morning and speak with a supervisor and was told no one was available to assist me which is what I have been told every time that I have made that request. 

I was assured by the representative that I spoke with in XXXX that this would not affect my credit and that the payments would be moved to the end of my lease, now I have payments showing 30 days late along with late fees. I have always been an outstanding customer with Kia Finance, this is my 2nd lease with them and my payments were always set up on auto pay and have been paid every month on time. In the past 3 months I have had the worst customer service, they have been very rude and unwilling to try to rectify the mistake that was made on their end that is causing financial problems along with a very negative impact on my credit.

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 2020-05-22 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: CARRINGTON MORTGAGE SERVICES, LLC
State: OH

Complaint narrative:
I have been having the biggest issue with XXXX XXXX. I have held many mortgages and have never been late in over 30 years. I already hate that my mortgage keeps being sold to a different company every time I look up and each company is harder to deal with. In XXXX of XXXX my mortgage was sold to XXXX XXXX. XXXX XXXX charges a fee to pay online, and a fee to pay over the phone so I send my payment through the mail which is my normal process anyway but I have never seen a company charge to pay online. I mailed my payment as I always have in XXXX of XXXX and when I noticed they still didn't take my payment out of my account, I called them via phone on XX/XX/XXXX and was advised to give it a few more days because it would be a charge to stop payment on the check, a charge to pay it over the phone and a late fee. I stated I have never had a payment lost in the mail and that it would be up to a supervisor to waive the late fee. Still no payment was deducted out of my account so I then paid through the automated system and had to pay a fee, and was charged a late fee. I am very disappointed with how I was treated by this new company that can clearly see I have stellar payment history and always have for over 30 years as I have owned multiple homes. XXXX was unreasonable for a true and honest issue that was clearly out of my control. I have never had a payment lost in the mail before and I pay majority of my bills through the mail. XXXX XXXX keeps calling me to ask if I want to refinance with them. They refuse to resolve the issue that occurred with my account. I have had my mortgage on this home since XXXX and I have NEVER had a late payment and I want it removed. This is my XXXX home in 30 years and I have NEVER had an issue like this before. I have called and wrote letters and have been unsuccessful in getting this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 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: Coast to Coast Financial Solutions, Inc.
State: OH

Complaint narrative:
XXXX of 2019 it was brought to our attention by XXXX that our bill was delinquent and that we owed {$120.00} which was promptly paid. The account was set up on direct withdrawl and the card had expired which we were never contacted. The amount was promptly paid in XX/XX/2019 with no monies owed aside from our monthly bill from that date until now. I provided the information to XXXX and XXXX  where it appeared, screenshots and account status, XXXX has removed the inaccurate reporting however XXXX replied that the account has been verified which is not possible, my account evidences this. This is keeping myself and my wife from being able to refinance our home due to the score this is hurting. I can provide statements to show the discrepancy was paid on XX/XX/2019, I can provide a copy of my account evidencing, I can also provide the proof that XXXX   removed this from my account.

Company response to consumer: Closed with explanation