vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I have an PayPal credit account I which I started back in XX/XX/XXXX. I purchased 4 coats from XXXX totaling {$300.00} to {$400.00} dollars well they have an money back guarantee and so does PayPal in other words if your unable to get your monies back from ebay you can then reach out to PayPal and they would start an claim. I went back and forth with the seller on eBay and just decided to start a claim. I was advices by PayPal to returned all three items that was sent to me and once shipped I sent proof of shipping and tracking to XXXX the sellers as well as PayPal as instructed. I had to pay {$52.00} each for two of the coats that totals {$100.00} that the seller suppose refund as well and {$35.00} for the third with a promise to receive all shipping fees once items has been received This all happened back in XX/XX/XXXX so now being it was shipped back to XXXX somewhere and the COVID happened Ive been trying to track my packages that I shipped back and been trying contact eBay and PayPal for assistance but could never reach anyone. So its XX/XX/XXXX I finally get to speak to someone at PayPal for them to tell me they dont see the transaction in my account but I still a balance that I have to pay for the 3coats no monies have been returned to my account and I know they received their items. So I dont what to do because Ive been paying off my account for a year and the balance is still the same. Ive paid {$140.00} last month and no lower balance

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 2021-01-20 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
On XX/XX/2021, I tried disputing incorrect medical bills on my credit report. They removed all medical bills on my report except for one. I added new information and tried disputing the medical collection again because the collection company, XXXX. XXXX, XXXX, is refusing to provide an itemized bill in order to verify the amount the claim that I owe. Experian will not allow me to dispute this issue. The website claims that I have to submit new documents. I submitted new documents but it still will now allow me to dispute the medical bill.

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 2021-01-20 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Aspen Yo LLC
State: IL

Complaint narrative:
I have a federally backed loan by XXXX - a government owned company division of HUD. 

I submitted all requested information to apply for modification. The servicer, Gregory Funding, says that they did not receive all my paperwork. I have resent them. They will not confirm receipt. 

I sent via email which I have a copy of. Their preferred method is to have customer log into account and upload the documents directly. When you do it this way, there is not a record of the submittal created. I am at a loss on how to proceed. 

Moreover, I requested a CARES ACT forbearance due to being impacted by COVID 19 and my loan being backed by XXXX, a Federal company and division of HUD. The servicer refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 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: AL

Complaint narrative:
I demand the deletion of the fraudulent inquiries listed below which all resulted from the Reported Incident of Identity Theft. 


FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX XXXX on XX/XX/2020 ( Reported Identity Theft ) 2. XXXX XXXX on XX/XX/2020 XXXX Reported Identity Theft ) 3. XXXX XXXX XXXX on XX/XX/2020 ( Reported Identity Theft ), I therefore legally request the DELETION of INACCURATE items from the PERSONAL INFORMATION section of my credit report with your agency. I FERVENTLY DEMAND for my credit report to reflect ONLY MY TRUE and ACCURATE information in accordance to the law. I would like to put in record the following : 1. My LEGAL name is : XXXX XXXX XXXX XXXX. 
Please remove all other name variations immediately as they are not legally accurate. Names such as, Also Known as ( AKAs ) Names, Alias Names, or My Middle Name are erroneous and not suitable for legally binding contracts or credit accounts ). 

2. My Current Address is ( XXXX XXXX XXXX XXXX, AL XXXX ) Please remove all Inaccurate addresses immediately as they are unlawful 3. I demand you to DELETE my Social Security number with the last 4 digits : ( XXXX XXXX as it unlawful to be shown on my file :. Please remove all other social security numbers immediately as they are unlawful.

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 2021-01-20 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: AL

Complaint narrative:
I demand the deletion of the fraudulent inquiries listed below which all resulted from the Reported Incident of Identity Theft. 


FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XX/XX/XXXX on XX/XX/2020 ( Reported Identity Theft ) 2. XXXX XXXX on XX/XX/2020 XXXX Reported Identity Theft ) 3. XXXX XXXX XXXX on XX/XX/2020 ( Reported Identity Theft ), I therefore legally request the DELETION of INACCURATE items from the PERSONAL INFORMATION section of my credit report with your agency. I FERVENTLY DEMAND for my credit report to reflect ONLY MY TRUE and ACCURATE information in accordance to the law. I would like to put in record the following : 1. My LEGAL name is : XXXX XXXX XXXX ). 
Please remove all other name variations immediately as they are not legally accurate. Names such as, Also Known as ( AKAs ) Names, Alias Names, or My Middle Name are erroneous and not suitable for legally binding contracts or credit accounts ). 

2. My Current Address is ( XXXX XXXX XXXX XXXX, AL XXXX ) Please remove all Inaccurate addresses immediately as they are unlawful 3. I demand you to DELETE my Social Security number with the last 4 digits : XXXX XXXX XXXX as it unlawful to be shown on my file :. Please remove all other social security numbers immediately as they are unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: MD

Complaint narrative:
I never had an account with these collectors/creditors. I tried to contact them several times and ask for proof of ownership but they failed to send me the necessary documentation to prove that I really own this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 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: CA

Complaint narrative:
To whom it may concern. Upon viewing a recent credit report with TransUnion I noticed they have inaccurately placed a Bankruptcy on my report. I disputed this immediately as its inaccurate and not fair. I called the court phone number that is listed on the report and was told the bankruptcy belongs to another person with the same name as mine! The clerk said she couldnt remove it from TransUnions database but also, that the court doesnt supply information to TransUnion as well. I was at a lack of words to find out TransUnion is lying to consumers and not actually verifying things, and putting inaccurate information on reports from other sources and not actually verifying items from the authentic source.

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 2021-01-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Santander Consumer USA Holdings Inc.
State: TN

Complaint narrative:
XXXX XXXX constituted procedural form for me to put down a XXXX % percent down payment. Which happens to be a violation under federal law. Federal law also says the finance charge is the sum of all charges. Which is considered the amount financed there is a section that says the amount this credit will cost you. XXXX XXXX has added the amount the credit will cost me into the finance charge with said company Santander consumer USA. But before all of this, the contract was consummated between myself and a finance manager of XXXX XXXX, a employee, someone who can not stand trial on behalf of the firm, a firm that can not stand in the court of law because they can not certify under the penalty of purjury. The contract was consummated by fraud. A finance charge should never be apart of a finance charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Every American is allowed to rehabilitate their student loans one time. I do not understand why this is still being reported to my credit and counted late so many time I won't be able to obtain credit for years. I can not even apply for a store credit card, it is instantly declined. I paid them the money I owe them this should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 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: MO

Complaint narrative:
The following accounts has been fraudulently placed upon my credit file the following accounts are not me and I'm demanding that these unauthorized accounts be removed from my credit file. 

1 ) XXXX XXXX$100.00} 2 ) XXXX {$100.00} 3 ) XXXX XXXX XXXX  {$470.00} 4 ( XXXX XXXX XXXX {$83.00} 5 ) XXXX {$31.00} 6 ) XXXX {$2100.00} 7 ) XXXX {$2000.00} 8 ) XXXX {$760.00}

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 2021-01-20 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: MO

Complaint narrative:
The following accounts has been fraudulently placed upon my credit file the following accounts are not me and I'm demanding that these unauthorized accounts be removed from my credit file. 

1 ) XX/XX/XXXX{$100.00} 2 ) XX/XX/XXXX{$100.00} 3 ) XX/XX/XXXX{$470.00} 4 XXXX XXXX XXXXXX/XX/XXXX {$83.00} 5 ) XXXX {$31.00} 6 ) XXXX {$2100.00} 7 ) XXXX {$2000.00} 8 ) XXXX {$760.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX Balance : {$1500.00} - This account is not mine unless you provide me with the corresponding documents according to FCRA that it is mine. Please delete for reporting inconsistent and inaccurate information. 

XX/XX/XXXX XXXX Balance : {$0.00} - This account is showing several violations. You are reporting a Monthly payment on this closed account. These are violation please delete this account. 

XX/XX/XXXX XXXX XXXX Balance : {$2200.00} - You are reporting inaccurate information as the past due balance is wrong. Update or rather delete this erroneous account. 

XX/XX/XXXX XXXX Balance : {$4300.00} - This account has not been updated correctly. You are still reporting an incorrect payment history so please delete this. 

XXXX XXXX Balance : {$0.00} - This account is indexed as a charged off account, please make sure that you produce a documentation that this is mine. As per the rights given to me by the fair credit billing act if you can not grant these records to me, instantly get rid of this incorrect posting. 

XX/XX/XXXX ( Original Creditor : 01 XX/XX/XXXX ) XXXX Balance : {$1600.00} - This account Belongs to someone else. This is not my account. Provide me specific data to prove that it belongs to me or remove it accordingly.

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 2021-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Comerica
State: AZ

Complaint narrative:
THE US DIRECT EXPRESS DEBIT CARD PROGRAM HAS STOLEN {$35.00} FROM THE ACCOUNT. THEY HAVE NO DETAILS BECAUSE THEY SHOW THE AMOUNT AS A PREVIOUS ACTIVITY FOR XX/XX/XXXX, BUT THE ACCOUNT WAS NOT ACTIVE UNTIL XX/XX/XXXX WHEN MY SOCIAL SECURITY MONEY WAS DIRECT DEPOSITED TO THE ACCOUNT ; SO THERE COULD NOT BE ANY ACTIVITY IN ARREARS AS THEY CLAIM. THEY ARE NOT SUPPOSED TO ASK ME FOR VERIFICATION OVER THE PHONE ABOUT ACCOUNT DETAILS BECAUSE I SENT AN INTERNAL EMAIL TELLING THEM TO GIVE THE MONEY BACK ; BUT THEY CLAIM THEY NEED ME TO VERIFY BY TELEPHONE. SOCIAL SECURITY AGENT THAT SET IT UP TOLD ME DO NOT GIVE THEM ANY INFO OVER THE PHONE BECAUSE LOG IN IS MY VERIFICATION. THEY WILL NOT PUT THE MONEY BACK INTO MY BALANCE TOTAL WITHOUT ME GIVING MY PERSONAL INFO OVER THE PHONE TO THEM. THEY ARE CONTRACTED BY THE FEDERAL GOVERNMENT AND HAVE SET IT UP TO STEAL. THE ON SCREEN TRANSACTION HISTORY TOTALS ARE NOT EVEN ACCURATE BALANCES AT THE TIME OF TRANSACTIONS PROCESSED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 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: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX Balance : {$1500.00} - This account is not mine unless you provide me with the corresponding documents according to FCRA that it is mine. Please delete for reporting inconsistent and inaccurate information. 

XXXX XXXX Balance : {$0.00} - This account shows a lot of violations. Balance is incorrect and payment history is inaccurate. Delinquencies reported after the account was closed. These are all violations please REMOVE this. 

XX/XX/XXXXXXXX Balance : {$0.00} - This account is showing several violations. You are reporting a Monthly payment on this closed account. These are violation please delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Capital Accounts, LLC
State: CA

Complaint narrative:
Capital Accounts ( https : //usecapital.com/ ) reached out to me to collect the {$200.00} medical debt from XXXX  office. It turns out XXXX   office had my address wrong ( hence I never received the bill, and they never bothered to call me up until the bill got to collection agency ) and capital accounts collection agency found me by phone and was doing the following : 1. threatening me and my safety 2. charged me outrageous interest ( 20 % interest for 30 days of no-payment ) 3. claiming that they had the right address when in reality the address that they ( and XXXX  office ) were trying to contact me doesn't exist ( they were sending letters to XX/XX/XXXX str that doesn't exist in XXXX XXXX ) 4. calling me on weekends and outside of working hours 5. being extremely unflexible, unfriendly and unwilling to cooperate

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
XX/XX/XXXXcheck to Wells Fargo cashed. 
XX/XX/XXXXdue date of WF mortgage ; we receive an overdue notice charging {$47.00} as a late charge. 
XX/XX/XXXXI called seeking an explanation as the late date is XX/XX/XXXX. After a lengthy discussion, XXXX said the charge would be waived. He confirmed the payment was NOT late until the XXXX. I said I didnt need a waiver, it was their error. He proceeded to explain other payment methods to receive payment earlier. I explained that the due date should be changed if the payment was not in fact late and I didnt appreciate the grab for an unfair fee. 
XX/XX/XXXX I received another late notice.

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 2021-01-20 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: DISCOVER BANK
State: TN

Complaint narrative:
On my credit reports there is a closed account with huge amount of missed payments. DISCOVER BANK Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA DISCOVER BANK has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Atlanticus Services Corporation
State: TX

Complaint narrative:
A payment was sent on XX/XX/XXXX for the amount of {$75.00}. The payment was sent with my bank online bill pay. The proof of payment stated that the credit card company received the payment on XX/XX/XXXX. I contacted the company on XX/XX/XXXX via email with an attached proof of payment. I did not get any response. I also began calling the company on XX/XX/XXXX. Their response was only that the do not show any payment recieved. I sent another email on XX/XX/XXXX with an attached proof of payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 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: OH

Complaint narrative:
This morning I just submitted my 3rd or 4th dispute with transunion against a XXXX account that all of a sudden just start showing as open on my credit report. This account is closed/charged off. I have let all 3 reporting agencies know this and transunion is the only one to continue reporting this false information on my report. On the report it says that the company derogatory mark is charged off/closed. But transunion is reporting it as open and reporting false payment history, lowering my credit score. This issue needs to be resolved 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 2021-01-20 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: Westlake Services, LLC
State: NY

Complaint narrative:
I am writing to WESTLAKE SERVICE INC agency because I am having difficulties with buying a house and applying for new credit cards. I paid the charge-off and do not owe anything, but the mark in my credit reports prevents me from achieving the desired results. I am kindly requesting WESTLAKE SERVICE INC agency to remove this charge-off from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 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:
Dear Sir or Madam : I am a victim of identity theft. The thief [ made a fraudulent transaction/opened a fraudulent account ] in my name with your company. In accordance with section 609 ( e ) of the Fair Credit Reporting Act, 15 U.S.C. 1681g ( e ), I am requesting that you provide me copies of business records relating to the fraudulent [ transaction/account ] identified above. The law directs that you provide these documents at no charge, and without requiring a subpoena, within thirty ( 30 ) days of your receipt of this request. I am enclosing a copy of the relevant federal law and the Federal Trade Commissions business education publication on this topic.

Company response to consumer: Closed with explanation