vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-22 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: EQUIFAX, INC.
State: GA

Complaint narrative:
The bankruptcy has reached a statute of limitations and should have been removed and delete it from my report. They responded with a latest time that they had verified the item through XXXX they could not confirm this. If they can not reveal how they truly verify this item then they need to delete and remove this account.If its not 100 % accurate then it must be removed and delete it from my credit report. If it is not 100 % accurate then it must be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 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: TX

Complaint narrative:
I submitted a dispute on Transunion and got notification that it was deleted however 45 days later, it is still on my credit report. I am getting the run around from transunion in regards to updating my report to reflect accurate information.

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 2021-04-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Please see all attachments listed from : XXXX, XXXX, XXXX XXXX, XXXX Concerning XXXX XXXX, on XX/XX/2021 their staff management was extremely bias to me as a consumer, because I which to speak to their fraud / compliance dept. in respect to the unscrupulous & fraudulent sale tactics of XXXX XXXX ... 
See attachment : A1 - page 4 of 8

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 2021-04-22 00:00:00
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A.
State: SC

Complaint narrative:
I purchased a washer & dryer at home depot XX/XX/XXXX. The purchase was supposed to be 24 months no interest and was only given 6 months. I complained and they then transferred it to only 12 months which I did not catch. The promotion expired in XXXX of XXXX. I was charged interest on the purchase. I called to ask why and realized they never did the 24 month no interest promotion. At this time they stated I would need to have a store manger call in to change it. I went to home depot and had them call. They agreed to extend the promotion until XX/XX/XXXX which would have been 24 months from the original purchase date. The amount left owed was XXXX When they changed it to 24 months promotion they credited my revolving account and charged my account a price that was more than the original sales price. It is impossible to see how they came up with the numbers that they charged. My statement does not reflect the way they came to the amount only the amount. When I called them to try and figure out why this was they offered me no explanation except this is what they decided to do and there is no explanation. I will only have to trust that they did the math correctly and pay my bills. I am not comfortable with this approach. I am very picky about my finances as I am on social security and do not understand how this approach is legal.

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 2021-04-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rent Recovery Solutions
State: AZ

Complaint narrative:
XXXX XXXX  failed to give a written statement as to what the charges are for in the amount of {$8800.00}. I was released from my lease due to a XXXX XXXX situation I I was no longer safe with my children on the property. I was in agreement with the manager on property after a 3 way call with a judge as I received notice for eviction. I agreed to surrender the unit to avoid fees as well as an eviction. The amount owed has tremendously affected myself and children in getting a home or place to at this difficult time has paced a tremendous hardship and will leave us homeless.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 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
State: ME

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 '' can you please help me out i really need my funds back i have to pay many things but the paypal hold my money help me please thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
On XX/XX/2021 I sent certified letters to ARS ACCOUNT RESOLUTIONS requesting that they validate the debts that they have placed on my credit reports. They have violated several of my consumer rights. Failed to validate a debt at my request. They have continued to report a disputed debt .I requested that they follow the FDCPA and please provide the following validation of debt request : -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Contract bearing my personal signature what they sent me does not validate per my request account # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Several credit cards have me marked as late. All lates were during the current Covid 19 health crisis and should not have been shown as late on my reports. In fact, the lates should actually never have been marked as such. The 3 cards reporting as late were XXXX XXXX XXXX XXXX, XXXX XXXX/XXXX XXXX  and XXXX XXXX. Again, these lates should never be reported on my credit reports and now my credit score has been negatively impacted.

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 2021-04-22 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Several credit cards have me marked as late. All lates were during the current Covid 19 health crisis and should not have been shown as late on my reports. In fact, the lates should actually never have been marked as such. The 3 cards reporting as late were XXXX XXXX XXXX XXXX, XXXX XXXX/XXXX XXXX  and XXXX XXXX. Again, these lates should never be reported on my credit reports and now my credit score has been negatively impacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
I have a mortgage with NewREZ company for my home. I have this house from XX/XX/XXXX. As a part of loan amount I pay about {$170.00} in Mortgage insurance. Around XX/XX/XXXX I requested for PMI ( mortgage insurance ) waiver since the home has appraised over the years. I was asked to sign a document and sent it over authorizing the appraisal to be done. I have done so and sent back the document by XX/XX/XXXX. 

I have been following up with the costumer support regarding this issue and I have not received any clear direction. At one point I was told that they are processing my request but I have not received any updates at any point of time. I made the last call 3rd week of XXXX and costumer support agent mentioned that I need start the request process all over again. 

I was never informed in my previous phone calls that they have not received documents or asked me to re-send the documents. This delay in responses and lack of follow-up from the loan company has costed me {$2500.00} ( $ XXXX15months ) in PMI.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 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: FL

Complaint narrative:
These inquiries are not mine I have never gave anybody permission for these things and unknown inquires. I have never signed any papers regarding these inquires, who ever did it but this is not legal. Please I ask you to delete them all.

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 2021-04-22 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: FL

Complaint narrative:
These inquiries are not mine I have never gave anybody permission for these things and unknown inquires. I have never signed any papers regarding these inquires, who ever did it but this is not legal. Please I ask you to delete them all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I was a victim of identity theft. XXXX XXXX leaked my information and someone opened a XXXX XXXX XXXX card. I was notified and cancelled the card and froze my credit. I also filed an identity theft report with the FTC. XXXX XXXX XXXX cancelled my account and said because it was fraudulent they would take it off my credit report. I disputed this card on my credit report and experian sided with them and will not remove this card from 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 non-monetary relief
Consumer complaint received 2021-04-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: R & B Corporation of Virginia
State: CA

Complaint narrative:
I tried to send them a letter last XXXX asking for a copy of a signed contract bearing my signature, a copy of the payment statements of this account from which Credit Control Corp is reporting to the credit reporting agency. I am asking for proof that I was late on payment because they are reporting erroneous inconsistent account information. Tracking number : XXXX I never received any response from them and they did not update the credit report as disputed. 

I also sent the dispute to the Credit Bureaus, but XXXX did not remove the account on their reporting, even though the other creditors already remove the account on their end. 

Credit Control Corp is violating the FCRA for reporting this account with inconsistent and inaccurate information that I disputed which they then did not update to the credit reporting agencies as " disputed '' and continues to report inconsistent account information which is in direct violation of the FCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXX and Transunion - XXXX XXXX XXXX  XXXX. 

XXXX  and Transunion are providing mortgage lenders reports using the older version of the mortgage fico score, resulting in the denial of mortgage opportunities to minorities. XXXX  is using Fico Score XXXX, Transunion XXXX XXXX XXXX, and XXXX  XXXX Score XXXX. In mortgage lending the lender is looking for three scores, however, I think that looking at three scores that are coming from three different algorithms is not fair to the consumer. XXXX and Transunion prefer to use these older versions to deny access to XXXX with lower credit scores the American dream of homeownership. This behavior and practice are unacceptable.

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 2021-04-22 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: NV

Complaint narrative:
I was a victim of identity theft. XXXX XXXX leaked my information and someone opened a XXXX XXXX XXXX card. I was notified and cancelled the card and froze my credit. I also filed an identity theft report with the FTC. XXXX XXXXXXXX XXXX cancelled my account and said because it was fraudulent they would take it off my credit report. I disputed this card on my credit report and XXXX  sided with them and will not remove this card from 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 2021-04-22 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: EQUIFAX, INC.
State: NV

Complaint narrative:
I was a victim of identity theft. XXXX XXXX leaked my information and someone opened a XXXX XXXX XXXX card. I was notified and cancelled the card and froze my credit. I also filed an identity theft report with the FTC. XXXX XXXX XXXX cancelled my account and said because it was fraudulent they would take it off my credit report. I disputed this card on my credit report and experian sided with them and will not remove this card from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Concerning XXXX XXXX, on XX/XX/2021 their staff management was extremely bias to me as a consumer, because I which to speak to their fraud / compliance dept. in respect to the unscrupulous & fraudulent sale tactics of XXXX XXXX ... 
See attachment : A1 - page 4 - 8.

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 2021-04-22 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: Professional Debt Mediation, Inc.
State: TX

Complaint narrative:
This company agreed to do a pay for delete, and refused to remove from my credit and a verbal agreement which in the state of Texas by law is a legally binding agreement. They have sent in false documentation to the credit bureaus with no company logo or letter head and address to qualify the company as valid to validate the removal of debt. I was lied to by XXXX XXXX and told that it would be deleted in 72 hours. I was also sent a letter of deletion that a fourth grader couldve made from XXXX XXXX. I was also told by the manager their XXXX that it would be deleted. I was told a manual deletion had been done twice, and it had been reported as deleted three times to the credit bureau. The company is lying to me as a consumer with false statements and they are also in direct violation of the FDCPA. This company needs to be investigated by the Federal Trade Commission immediately. The unjust and unethical practices are against federal law and Texas state law. I will be pursing legal action in small claims for for distress and losses. I will also be suing for the same in Texas state court for violation of the FDCPA

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ONLINE Information Services, Inc.
State: CA

Complaint narrative:
I tried to send them a letter last XXXX asking for a copy of a signed contract bearing my signature, a copy of the payment statements of this account from which Online Information Services is reporting to the credit reporting agency. I am asking for proof that I was late on payment because they are reporting erroneous inconsistent account information. Tracking number : XXXX I never received any response from them and they did not update the credit report as disputed. 

Online Information Services is violating the FCRA for reporting this account with inconsistent and inaccurate information that I disputed which they then did not update to the credit reporting agencies as " disputed '' and continues to report inconsistent account information which is in direct violation of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: KBHS Home Loans, LLC
State: TX

Complaint narrative:
The moment I was told I had to pay off my car, and did do us when things started to drift. Which they where trying to make it seem like I was criminally or illegally getting money from else where, when they specifically have all my assets and banks statements shows I do have the funds to pay it off, plus I received gifts from family members to help on my big accomplishment. It just felt like as a XXXX woman or individual I wasnt suppose to be able to payoff my car that easily or Im not suppose to be successful and XXXX. I felt so discriminated against and this needs to be brought to the light on how these lenders do XXXX American people. Its sad, because I have worked so hard to get where Im at to be push down and stomped on. This company KB Home Loans needs their racism and discrimination again XXXX brought to light. The individuals I have experience this horrible experience with are XXXX XXXX, XXXX XXXX, and XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL

Complaint narrative:
On Friday XX/XX/XXXX I requested a payoff letter from Select Portfolio Services ( SPS ) to give to my lender for an approved refinancing of the loan I have with SPS. I did this on line to have it sent electronically to me. It was confirmed. I called 2 days later only to have them tell me that request was cancelled in their system. I was told it was reinstated and would take 24-48 hours. I called 2 days later and was then told they see it in their system but nothing has been done. It is now XX/XX/21 I have called and spoke with 5 different representatives and they keep telling me 24-48 hours. Their refusal to give me this simple payoff letter in a timely fashion is jeopardizing my financial well being and the closing of my refinance. I have only spoken with one agent there that seems to have any knowledge of their job. No one has helped me and I have gotten no hands on assistance only robotic programmed answers read from a computer screen. I am contemplating legal action if my refinance is ruined because of this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: MO

Complaint narrative:
This complaint is against Southwest Credit, XXXX XXXX XXXX, XXXX, TX, XXXX They are repeatedly attempting to collect a debt which has been successfully disputed three times, and is not a valid debt. In addition, they are reporting this as a collection to the credit bureaus and have been doing so since before they even contacted me. Therefore they did not send me the required notices prior to the reporting, even though they obviously had my current address at the time. 

I have repeatedly asked them to provide me with the response letters to those three previous disputes, but they have refused and instead send me copies of old bills - which were successfully disputed!

Company response to consumer: Closed with explanation