vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXXXXXX XXXX P XXXX XXXX XXXX ) XXXX ( F XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX # ( XXXX ) XXXX My ex wife lived at this apartment and became behind on her rent. She was not evicted nor was I. The apartment was paid the past due rent and she moved out in XXXX of XXXX, with all bill paid and current. The property allowed her to pay the rent and accommodating the late payments. There was never an eviction to move. The property rescinded the eviction and did not update, that payments were paid and no eviction occurred at the property. XXXX County Court XXXX XXXX XXXX XXXX County Justice of the Peace XXXX XXXX  XXXX XXXX # XXXX, XXXX, TX XXXX ( XXXX ) XXXX ). I dont live in XXXX Texas, I live in California and was in the military when this judgment was entered. Under the SCRA she was allowed to move in XX/XX/XXXX. There's an amount of {$2600.00} that was already paid to the property in XXXX for past due rent. There was no eviction. Please contact the property and correct the court records and remove this from TransunionXXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. Case # XXXX XXXX County

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 2021-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I previously submitted complaint ID XXXX regarding fraudulent report freeze/unfreeze practices of Experian. In its response Experian said to go to www.experian.com/freeze to unfreeze ( the unwanted and fraudulant freeze they had imposed on my credit report ). On XX/XX/XXXX ( the date of the company 's response ) I opened that and was redirected to https : //www.experian.com/freeze/center.html where I selected Remove or Lift a Security Freeze, which went to https : //www.experian.com/ncaconline/removefreeze. I filled out the form but when I tried to submit it the web site reported missing previous address. The form had no fields for previous address. This form is a fake. It is designed to look like Experian is willing to lift an unwanted freeze while actually making it impossible without buying their " protection '' service.

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 2021-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
After being a ten plus year customer with Citibank I had discovered that XXXX was owed to me for Fraudulent charges that someone hacked my account with Citibank and over s year was paying a XXXX XXXX credit card and doing other debits under my checking and routing number with my name and information. I filed proof and a police report to show I had no affiliation with these charges. I appealed twice with my proof and Citibank caused me to have financial hardship during the covid 19 pandemic and I feel that I have been discriminated against and have no power to have a honest chance to refute this matter.

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 2021-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-13 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: OH

Complaint narrative:
ON XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report to this over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Collections Enterprise, Inc.
State: MD

Complaint narrative:
I the original creditor ( XXXX ), am in battle with the stated third party debt collectors, stating I owe an alleged debts with them, and that they have validated and verified the debts. This is a a false and misleading statement as third party debt collectors can not furnish my information, and no right to state I owe a debt. I with proof and factual evidence can show that these entities did indeed violate federally mandated laws. XXXX I am seeking monetary relief for these violations as stated by 15 USC 1692k ( a ) ***** in the amount of {$1000.00} per violation. **15 USC 1692 ( B ) **, **15 USC 1692A** , **15 USC 1692B, B ( 2 ) **, **15 USC 1692C ( A ) **, **15 USC 1692D ( 1 ) ** , **15 USC 1692E**, **15 USC 1692E ( 2 ) ( 6 ) ( 14 ) **, **15 USC 1692F ( 1 ) **, **15 USC 1692G** , **15 USC 1692J ( A ) ( B ) *** to name the most obvious. ****15 USC 1692L ( a ) the FTC has full and legal capabilities of enforcing, and ensuring compliance of debt collectors*****. Hold these entities accountable by protecting my rights to collect for these violations {$14000.00} payable to me from each person ( s ) by check within 7 business days of receiving this complaint or face further violations and civil actions.

Third-party debt collector ( s ) are as followed : *XXXX XXXX is truthfully a third-party debt collector with no rights. 

*American Collections is truthfully a third-party debt collector with no rights. 

XXXXl is truthfully a third-party debt collector with no rights. 

*XXXX XXXX XXXX  is truthfully a third-party debt collector with no rights. 

XXXX XXXX XXXX  is truthfully a third-party debt collector with no rights.

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 2021-03-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
ON XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report to this over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2021-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Ascendium Education Group
State: OH

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: TX

Complaint narrative:
My mortgage company has made a huge error on my escrow analysis on XX/XX/2020 resulting in an escrow shortage of over {$9000.00}, resulting in my monthly payments drastically changing from XXXX monthly to {$3200.00} monthly. I am a single mom with a child trying to provide for my daughter and I'm sorry but I didn't make the mistake of not applying the correct amounts into my escrow account so why my mortgage company is not willing to work with me makes me so confused. This incident is creating a financial hardship for me and I have never been late on a payment. I can't afford {$3000.00} monthly, is there anyway they can extend the escrow shortage because this is not my fault. Since then there has been over XXXX applied to escrow and they are still refusing to adjust the monthly analysis and recalculate to lower that monthly payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
On XX/XX/2021 I sent a dispute letter to the credit bureau in regards to items I seen on my credit report that did not look familiar and were inaccurate. Since sending my initial letter it has been over a month and I still have not received a response or anything about the status of my disputes. I also sent another letter demanding the bureau to respond prior to submitting this complaint. I know that according to the law the bureau must investigate the items I disputed and respond within 30 days of my initial dispute or the items have to be deleted immediately. It has been almost two months to date. This is effecting my credit score and I have followed all the correct procedures and I feel my disputes are being ignored and it is aggravating.

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 2021-03-13 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: NJ

Complaint narrative:
On XX/XX/2021 I sent a dispute letter to the credit bureau in regards to items I seen on my credit report that did not look familiar and were inaccurate. Since sending my initial letter it has been over a month and I still have not received a response or anything about the status of my disputes. I also sent another letter demanding the bureau to respond prior to submitting this complaint. I know that according to the law the bureau must investigate the items I disputed and respond within 30 days of my initial dispute or the items have to be deleted immediately. It has been almost two months to date. This is effecting my credit score and I have followed all the correct procedures and I feel my disputes are being ignored and it is aggravating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
We refinanced our mortgage from Ally Bank to XXXX XXXX. The account at Ally Bank closed on XXXX XXXX, XXXX. We still have not received the funds that were in our escrow account with Ally Bank XXXX over 30 days after closing ). Ally Bank said they sent a check on XX/XX/XXXX and we would receive within 4 business days. They don't have a tracking number

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 2021-03-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
Hi, I was actually talking to a representative from Portfolio Recovery Associates and they mentioned that as long I pay the collection account, they will report and demand the credit bureaus remove the entire tradeline from my file. They actually direct me to their website to look under FQA section where I screenshot and copy below. Please remove it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
On XX/XX/2021 I mailed a letter concerning misleading and inaccurate information on my credit report to this day over 45 days the bureaus have not responded to my request. The bureau causing me anxiety and I'm struggling too maintain my health for my kids and all my disputes are being ignored. Section 611 ( a ), it is plainly stated a failure to investigate these items within 30 days gives a reason too immediately remove those items from my credit report it has been over 30 days so they should deleted at once. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX  data breach and my have got into the hands of the wrong person.

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 2021-03-13 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8600.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. JXXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8600.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: GA

Complaint narrative:
Received a credit monitoring alert stating that a new collection was added to my credit reports. Disputed the collection and it was verified by the collection company as accurate. In addition the balance goes up {$10.00} to {$13.00} every other week per the credit monitoring service. Prior to this debt being placed on my credit report I did not receive any notice about the debt. After disputing this debt with the collection agency I still have not received sufficient documentation evidencing this debt as mine. I have not received the contract along with any information identifying this debt as mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I have been dealing with BMO Harris since last XXXX regarding what they claimed to Be late payments. The payments occurred as their interface is misleading and they had switched mobile systems which were preventing me from Logging in as I did not know. When I called, they demanded i go in person despite my concerns about COVID. I asked for statements as I had no way of knowing. Then my kid was diagnosed with XXXX in XXXX and me in XXXX. Despite me telling this ro BMO On the phone ; in email, and va letter. They continue to put marks on my credit report. I have since called and went into the bank. The banker called the credit card portion. I spoke with 5, FivE, people that day - two from collections, a customer service rep, somebody who screens the calls, the banker - the level of service was ridiculous. I explained to each of them as I have to at least three other customer reps in the the phone plus multiple emails and letters that I was locked out of the online system and BMO was refusing ro send me statements. They are presumably charging late fees and interest but I have yet to receive a statement which I have demanded each time I have spoken with them. They told me that I would have to start a new dispute that the account had been sent to their collections. I was debilitated with XXXX  for months. Now, I am having an XXXX XXXX up likely related to XXXX-I have XXXX and XXXX along with XXXX XXXX XXXX. I want the entire account resolved but after over an hour on the phone with five people after months of trying to resolve this, I am fed up. I left a message for the banker these days ago and have not heard back. I had to keep repeating that I needed a statement and they kept asking if I wanted to pay the amount due. They did not keep notes in My account and I have to be a broken Record. I asked if I did another dispute for them to expedite it and stop putting late remarks on my credit report expressing my preference that they honor the first dispute. The representative said that there could be no guarantee to honor any request and it would take thirty days. What is more- I had never had a late payment nor a single other negative remark on my credit report.

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 2021-03-13 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: KS

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation