vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-18 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: DE

Complaint narrative:
This complaint involves Trans Union XXXX, PA XXXX. Since last XX/XX/XXXX I have attempted to have my credit report which is incomplete have one of my credit Cards with XXXX  XXXX Visa included in my report as the other Credit Bureaus have included with my credit available which are XXXX and XXXX. Over the month many months I have communicated with both my credit card provider and Trans Union to rectify the situation to no avail. I was initially told by Trans Union that the original card was not submitted when issued back in XXXX exceeded the federal guidelines 30 days in notice of issuance. I wrote back to XXXX XXXX Visa and told nothing they could do. They forward me a letter showing date of card opening, credit limit current balance last day payment was posted amount of last payment and minimum due. I forwarded to them no avail. I called Trans Union in XXXX of last year and was told there was some type of dispute could not tell me what. I subsequently called back XXXX XXXX and the supervisor suggested to transfer the card to another which would have same prior issue date credit limit as the other which we did. The letter explained to me that Trans Union would in 60 days from in the case XX/XX/XXXX which should have rectified it on the report by XX/XX/XXXX which it didn't even the gentlemen from Trans Union had told me over the phone on XXXX it would work out because XXXX XXXX Visa had notified Trans Union of New Account Card number. I am lost this point hoping you can provide help at this point.

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 2021-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
No matter what method one tries to resolve issues they CAN NOT access the data. Nothing works! All you get are rejections. A pathetic excuse for a company who holds all ones finances in their palm! There is no way to accessones information regardless of what they propagate!!!!!!!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
In XX/XX/XXXX I was laid off from my job and did not receive any unemployment assistance. I sh paid the mortgage for XX/XX/XXXX. Under their Covid deferment I was given three ( 3 ) not to make any payments. I was told these pay would be placed at the back of the loan. All I had to do was make payments from XX/XX/XXXX. I sent them payments and they sent them back. They want me to pay the three payments that were deferred plus the other payments and that was not the agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC
State: VA

Complaint narrative:
I had an auto loan a very ling time ago with XXXX XXXX XXXX. The loan went into default & was charged off. It remained on my credit report for 7 years & was then deleted. There was never a collection agency that picked this debt up. Just recently on XX/XX/21, this shows up on my credit report as delinquent & in collections by XXXX XXXX XXXX. I had never heard from these fokks before. I called them & they explained they purchased the debt from XXXX. I advised this was charged off & was already deleted from credit report. They refuse to delete & threatened legal action. I then contacted XXXX. They confirmed they never sold this account to this company. I looked up reviews for XXXX XXXX & I see where they have done this to several others. They dig up old accounts & try to collect on them. They have reported to all 3 credit bureuas and my scores have dropped tremendously. I do not understand how a debt that was deleted from my credit report because it had already been on there 7 years can be added back. Also, I have never ever heard from these people. Seems like a company scheming to get money. I can search for my old credit reports that show the original account. This company needs to show where they purchased this account, show proof they communicated with me, & also show proof of the original creditor. They will not have this info. I need this item rwmoved from my credit report immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Equifax ; XXXX and XXXX continue to report a collection on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has been paid and the agency has contacted the bureaus to remove this from my credit report. Unfortunately, the bureaus have not done this. Please remove this line item. This false reporting is seriously harming my credit score. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus as well to fix this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 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: PA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 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: PA

Complaint narrative:
I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: PA

Complaint narrative:
every month is the same, the only way I can get money off this card is by doing a money transfer to my cash app card but now I can not get any money transferred it tells my my bank will not allow it. The last time I tried was on XX/XX/2021 and again on XX/XX/2021. the amounts I tried was {$20.00}, {$25.00} and {$50.00} and the same thing for all 3 each time. I have had nothing but problems with this card from day 1 and when I contact them they tell me there is nothing they can do about it, that I must be doing something wrong. It is bad enough they have a {$500.00} a day limit to withdraw money but XXXX I can't even do that.

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 2021-03-18 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: PA

Complaint narrative:
I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

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 2021-03-18 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: UPGRADE, INC.
State: IL

Complaint narrative:
After paying off a personal loan through UPGRADE Inc. They started emailing me about another loan & possibly a review. I was too busy but had planned to do a Review possibly. That next week or 2, I received an alert of a new account from UPGRADE INC?? They had REPORTED a New Loan and a Balance even larger than I Had Recently Paid IN FULL. I called them - they kept me on HOLD for an hour & hung up. I emailed them. I disputed.... I soon received an email from a " SUPPORT '' Department. After Refusing to Write a Review because My Account AND Credit has gone through Turmoil w this Company just for Retaliation. After I refused - I received an alert that My Credit Score had dropped 48 points because UPGRADE has Now Fraudulently Changed My History DRAMATICALLY from 98 % to 50 %!! I am a 100 % XXXX XXXX XXXX, and this has been beyond stressful. All because I wouldn't Review this Company? They hung up on me so many times, I had to go this route.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Rentdebt should not be reporting to Equifax ; XXXX and XXXX  a collection/chargeoff in the amount of {$450.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I never received any notification of this debt. Once I saw that this account was reporting negatively on my credit report I immediately contacted XXXX to discuss this. They refused to assist me in removing this false collection that was reporting on my credit report. I was never notified by telephone and/or email that there was an issue. The original creditor, XXXX XXXXXXXX never sent any notification either for any remaining balance due. I was the co-signer on a rental property for my son. His lease ended and he moved out per the rental agreement. There were no issues we were aware of. XXXX has no information regarding this and instead of working with me and explaining to me what this debt was for they sent it off to collections. This false reporting of a collection/chargeoff is seriously harming my credit score and this item needs to be removed. It is a violation of the Fair Credit Reporting Act not to report accurate information on a credit report. I have contacted the bureaus as well as XXXX  and XXXX XXXXXXXX to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
XXXX XXXX XXXX and Transunion continue to report a collection on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has been paid and the agency has contacted the bureaus to remove this from my credit report. Unfortunately, the bureaus have not done this. Please remove this line item. This false reporting is seriously harming my credit score. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus as well to fix this however, I have not been successful.

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 2021-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
XXXX ; Experian and XXXX continue to report a collection on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has been paid and the agency has contacted the bureaus to remove this from my credit report. Unfortunately, the bureaus have not done this. Please remove this line item. This false reporting is seriously harming my credit score. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus as well to fix this however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TRUIST FINANCIAL CORPORATION
State: KY

Complaint narrative:
In 2018 I was injured at work & placed on worker comp about a month after the injury worker comp abruptly stop my weekly pay and covering my medical bills. I went to BB & T and ask them to remove the automatic payments that I had on my account, the ladies in the bank told me that it may or may not remove the automatic payments which it did not. Leaving me in the hole with BB & T I am currently in litigation with worker comp for unpaid wages and unpaid bills this being one of them, quite literally worker comp bankrupted me with a newborn at the house and I'm still yet to recover fully. Im submitting my worker comp information plus a written statement that I have provided to the credit reporting agencies. All my outstanding debt is from worker comp and my attorney argues that this should be covered by workers comp and has been entered into the official record with the Administrative Law Judge. BB & T has placed a remark on my XXXX report preventing me from opening a normal non-secured checking 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 2021-03-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: GOLDMAN SACHS BANK USA
State: NC

Complaint narrative:
On XX/XX/XXXX, I authorized a balance transfer from my Apple Card to my XXXX card, for the amount of {$1000.00} plus {$50.00} transfer fee. On XXXX XXXX, XXXX, I realized that the transfer had not yet gone through on my Apple account, so I messaged XXXX. They told me to wait another 14 days. I waited and contacted them again on XX/XX/XXXX by phone, and they told me to contact Apple because the transaction had gone through on XXXX 's end. I called Apple, and they informed me that they do not accept balance transfers ; therefore, the money. had been sent back to XXXX. I called XXXX to inform them of this. I was told that a senior account specialist was looking into my complaint, but then I never received followup on the issue. On XX/XX/XXXX, I called XXXX again, and they told me they could not help me. On XX/XX/XXXX, I filed a complaint with the BBB. The {$1000.00} was temporarily credited to my account, until XX/XX/XXXX, when XXXX decided that the issue was " resolved, '' and they sent me a letter stating that I would have to take up the issue with Apple. I then sent Apple/Goldman Sachs a letter by mail, explaining the situation and requesting that they work with XXXX to resolve the situation. Nothing ever came of that request. I still owe {$1000.00} to both XXXX and Apple.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Firstsource Business Process Services, LLC
State: IL

Complaint narrative:
First Source Advantage LLC continues to call me in attempts to reach someone. I am not the person they are attempting to reach and I've let them know that several times. I've asked for my number to be removed from call lists but it seems as if it hasn't been done. I have notes that I've spoken with XXXX XXXX ( date not recorded ) and XXXX XXXX XXXX ( XX/XX/20 ). Further, when I called their corporate office in NY ( XXXX ) to try and fix this problem, they told me they wouldn't do anything to assist me since it was another office that was contacting me. I found that answer completely lacking in professionalism and had no compassion for a bystander in their company 's practices.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 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:
On going dispute with Transunion in regards to their handling of a Validation letter sent from creditor XXXX XXXX stating they were unable to locate my account. This has been ongoing for about 3 months, Transunion has removed then added, then removed and added the account again repeatedly to my credit account negatively affecting my score. They will send an investigation stating it has been deleted only for it to show back up two weeks later. The improper handling of this has caused my great stress and anxiety. I would appreciate the matter to be fixed as I get no where when I call customer service to speak to some one about the issue.

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 2021-03-18 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 2021-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Rentdebt should not be reporting to XXXX XXXX XXXX and Transunion a collection/chargeoff in the amount of {$450.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I never received any notification of this debt. Once I saw that this account was reporting negatively on my credit report I immediately contacted XXXX to discuss this. They refused to assist me in removing this false collection that was reporting on my credit report. I was never notified by telephone and/or email that there was an issue. The original creditor, XXXX XXXXXXXX never sent any notification either for any remaining balance due. I was the co-signer on a rental property for my son. His lease ended and he moved out per the rental agreement. There were no issues we were aware of. XXXX has no information regarding this and instead of working with me and explaining to me what this debt was for they sent it off to collections. This false reporting of a collection/chargeoff is seriously harming my credit score and this item needs to be removed. It is a violation of the Fair Credit Reporting Act not to report accurate information on a credit report. I have contacted the bureaus as well as XXXX  and XXXX XXXXXXXX to remove this however, I have not been successful.

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 2021-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
XXXX  should not be reporting to XXXX ; Experian and XXXX a collection/chargeoff in the amount of {$450.00} on the XXXX AUTOMATED COL partial account number XXXX. ( Please see page attached from my credit report. ) I never received any notification of this debt. Once I saw that this account was reporting negatively on my credit report I immediately contacted XXXX to discuss this. They refused to assist me in removing this false collection that was reporting on my credit report. I was never notified by telephone and/or email that there was an issue. The original creditor, XXXX XXXX never sent any notification either for any remaining balance due. I was the co-signer on a rental property for my son. His lease ended and he moved out per the rental agreement. There were no issues we were aware of. XXXX has no information regarding this and instead of working with me and explaining to me what this debt was for they sent it off to collections. This false reporting of a collection/chargeoff is seriously harming my credit score and this item needs to be removed. It is a violation of the Fair Credit Reporting Act not to report accurate information on a credit report. I have contacted the bureaus as well as XXXX and XXXX XXXXXXXX to remove this however, I have not been successful.

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