vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-28 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 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: NY

Complaint narrative:
I was sick with XXXX i provided them proof per the US credit cares act if affected by pandemic, i am now capable of paying my bill but i was never deliquent and they put my account as deliquent knowing i was hospitalized for XXXX fighitng for my life. i submitted dispute and first they send me email that it is being removed 30-60 then they send another email days later its only being removed if i pay balance my next payment per care act isnt due till XX/XX/XXXX and further more they can not report negs to agency per care act if hte acct was NOT neg prior to my being sick and it was NOT neg.. i demand the resolution of all negs removed from my credit report RIGHT NOW they give you the run around they scam clients the reviews are horrible and i am also going to make a stink to XXXX to ensure XXXX no longher uses them.. this is fraud all together this company is committing fraud and i want them investigated now and my credit report fixed asap

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 2021-12-28 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: NY

Complaint narrative:
I was sick with XXXX i provided them proof per the US credit cares act if affected by pandemic, i am now capable of paying my bill but i was never deliquent and they put my account as deliquent knowing i was hospitalized for XXXX fighitng for my life. i submitted dispute and first they send me email that it is being removed 30-60 then they send another email days later its only being removed if i pay balance my next payment per care act isnt due till XX/XX/XXXX and further more they can not report negs to agency per care act if hte acct was NOT neg prior to my being sick and it was NOT neg.. i demand the resolution of all negs removed from my credit report RIGHT NOW they give you the run around they scam clients the reviews are horrible and i am also going to make a stink to XXXX to ensure XXXX no longher uses them.. this is fraud all together this company is committing fraud and i want them investigated now and my credit report fixed asap

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 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: NY

Complaint narrative:
I was sick with XXXX i provided them proof per the US credit cares act if affected by pandemic, i am now capable of paying my bill but i was never deliquent and they put my account as deliquent knowing i was hospitalized for XXXX fighitng for my life. i submitted dispute and first they send me email that it is being removed 30-60 then they send another email days later its only being removed if i pay balance my next payment per care act isnt due till XX/XX/XXXX and further more they can not report negs to agency per care act if hte acct was NOT neg prior to my being sick and it was NOT neg.. i demand the resolution of all negs removed from my credit report RIGHT NOW they give you the run around they scam clients the reviews are horrible and i am also going to make a stink to XXXX to ensure XXXX no longher uses them.. this is fraud all together this company is committing fraud and i want them investigated now and my credit report fixed asap

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 2021-12-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CLGF Holdco 1, LLC
State: GA

Complaint narrative:
I am XXXX XXXX and Im submitting the complaint myself and there is no third party involved. I, XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan, was given a credit limit of {$300.00} by Genesis FS Card Services , Inc. XXXX Destiny Card. There should not be a credit limit, only an open-end credit plan for the card I received which means my balance at the end of each billing cycle should be zeroed out and there should not be a minimum balance due pursuant to 15 USC 1602j . Please rectify this account to an open-end credit plan and refund me the minimum payment that was paid as I am invoking my specified remedy as an original creditor and the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I was taken advantage of by due to malpractice while several laws were being broken under the FCRA by your company. This has caused me major financial injury, extreme defamation of character, I can't apply for credit, I'm not able to get approved for housing, I'm not even able to get an SBA loan due to the pandemic in this time of crisis. You have majorly hurt my ability to obtain credit. I've also been disputing with your company for 2 years, I've watched my rights continued to be violated.

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 2021-12-28 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I was taken advantage of by due to malpractice while several laws were being broken under the FCRA by your company. This has caused me major financial injury, extreme defamation of character, I can't apply for credit, I'm not able to get approved for housing, I'm not even able to get an SBA loan due to the pandemic in this time of crisis. You have majorly hurt my ability to obtain credit. I've also been disputing with your company for 2 years, I've watched my rights continued to be violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 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: CO

Complaint narrative:
On XX/XX/21, I recently received an email that said my PayPal account had been limited/ that I could no longer do business with PayPal. This is preventing me from receiving my own funds, and is limiting me from doing business when I believe I have done nothing wrong. 

This happened after I tested a new service that integrates with PayPal, called XXXX ( I used a {$1.00} test amount ). The service was successful, but I quickly received notification that my account had been limited. I do not understand what I did to cause the ban which negatively affects my business. Can you please help me resolve the limitation? 

I tried to contact PayPal, but their chat service says to try back during working hours .... yet I am trying to contact them during their stated working hours. I have sent an email with no response. I have tried to contact them via phone but nobody appears to be available.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: CT

Complaint narrative:
On XX/XX/2021 I paid off the mortgage to a property I own. I only received {$16.00} from escrow which seems to be off balance. I have contacted the bank numerous times asking them for a detail to be sent on how they arrived at that total. I continue to speak with reps the tell me I can go through their website but I continually have issues accessing the site. I am requesting a detail be sent or faxed with a break down as to how they arrived at the total of {$16.00}. They were able to fax my final payment info but will not fax my settlement escrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I was taken advantage of by due to malpractice while several laws were being broken under the FCRA by your company. This has caused me major financial injury, extreme defamation of character, I can't apply for credit, I'm not able to get approved for housing, I'm not even able to get an SBA loan due to the pandemic in this time of crisis. You have majorly hurt my ability to obtain credit. I've also been disputing with your company for 2 years, I've watched my rights continued to be violated.

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 2021-12-28 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: IL

Complaint narrative:
I have previously disputed with XXXX, XXXX and Equifax on XX/XX/2021 regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 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: Westlake Services, LLC
State: FL

Complaint narrative:
On XX/XX/2021 Westlake Portfolio Management reported an incorrect balance to all XXXX credit bureaus causing my credit score to drop. I spoke to a representative and they did nothing to fix this over the phone. I emailed the email provided and still have not received a response of their mistake. Westlake reported a balance of XXXX when my actual balance is XXXX. I lost credit points since they reported a {$190.00} increase which is false. This is the third time that Westlake had messed up my credit report and reported inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC.
State: OH

Complaint narrative:
On XX/XX/XXXX I had an emergency with an infected XXXX requiring me to be transported ( insisted by XXXX XXXX ) to the Hospital via XXXX XXXX XXXX XXXX ( aka XXXX XXXX ). 
Total charges were {$8300.00} which were negotiated with my insurance company XXXX XXXX  ( XXXX XXXX XXXXXXXX XXXX ) to {$6300.00} which was paid by XXXX XXXX to XXXX XXXX. 
I was told by XXXX XXXX that the bill was satisfied and that I no longer owed XXXX XXXX any further monies. This was also confirmed in a phone call on Wednesday XX/XX/XXXX with both XXXX ( XXXX XXXX ) and XXXX ( XXXX XXXX XXXX  ). XXXX also assured me that this would be removed from my credit report. 
I immediately disputed this information which is being reported by Wakefield & Associates to XXXX, even providing documentation showing the original Explanation of Benefits ( EOB ) and original Collection Letter received from XXXX XXXX XXXX with handwritten notes dated XXXX per phone call with XXXX from XXXX XXXX that they paid {$6300.00} for the ambulance service and that I did now owe {$1800.00} to XXXX XXXX ( I later found out this was the ambulance company even though payment was billed through XXXX XXXX and XXXX did pay XXXX XXXX  ). 
XXXX has sided with Wakefield & Associates despite my proving I do not owe these monies, and I need your help because XXXX XXXX ( as XXXX promised ) has not removed this from my credit report ( XXXX XXXX billing Phone # : XXXX ). 
Wakefield & Associates ( Phone # : XXXX ) is now stating on my credit report that the amount owed is {$1900.00} which is insane, and highly inflated since I do not owe anything. 
I have sent them a letter to their address on file at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CO XXXX to stop calling my home which they have not honored either. 
I please need your help because I have exhausted all of my options : the insurance company states this is paid and I own no further monies, and XXXX XXXX states this is paid and I owe no further monies, yet XXXX is still allowing this company to ruin my good credit and I have nowhere else to turn.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Scammers, posing as XXXX XXXX, fooled me into sending them {$35000.00} from my TD Bank checking account leading me to believe that I had mistakenly instructed its computer to " refund '' me that money. They showed my TD bank account with that deposit and an account that now held {$76000.00}. I learned on the next business day that it had wiped out my checking account. I was left with {$150.00}. That employee did not tell me that if the transfer goes through i would be left with that amount. It would have exposed the scam if that information was shared with me. It should have. A simple bank procedure. He failed at his job and I became a victim. The bank claims that it did nothing wrong. 

The bank employee failed to spot that this had all the earmarks of a scam. He failed to ask me the name of the person that i am sending this money to in XXXX. The bank claims that I told the bank employee when asked why i was sending this money, the reason was " funds to family member for medical reasons. '' I should have been asked the name of this so called family member. I am not XXXX and have no relative sin XXXX. The bank claims I said verbally ( hearsay ) but did not put that writing for me to sign and no other questions were asked. No due diligence. XXXX XXXX XXXX and XXXX XXXX XXXX advocated to the bank in meetings, press conferences, TV coverage ( twice ) and correspondence to the bank 's CEO that the money should be restored. The bank responded that it would set a dangerous precedent if it restored the money it would have do the same that for all other complainants. My local bank manager exclaimed " it happens all the time! '' What does the bank do to protect its customers. Does it have an obligation? Was this employee trained to spot a scam and how to avoid? Apparently not. 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 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:
I have sent letters to XXXX, XXXX and TransUnion about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.

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 2021-12-28 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: VA

Complaint narrative:
Multiple credit disputes were filed with the XXXX credit bureaus ( Equifax, XXXX, XXXX ) regarding a car loan with XXXX. The account has been closed and paid off with XXXX  ( XX/XX/21 ) and yet it is not reflected on my credit report. In each dispute with the credit bureau, loan payoff documentation was provided. 
Equifax ( file # XXXX on XX/XX/21 and XXXX XX/XX/21 ) XXXX XXXX file # XXXX on XX/XX/21 ) XXXX ( file # XXXX on XX/XX/21 ) Additionally when the results came back I sent letters to all XXXX bureaus with a consumer statement on XX/XX/21 and it is still not appearing on my credit report. I fought with Equifax on XX/XX/21 and they admitted they got the statement and stated that it was added but refused to address the issue of the incorrect information added in XXXX on my credit report. 

I have been unable to contact XXXX XXXX or Equifax as they do not allow options to speak to someone. Just seeking assistance is getting the consumer statement and information updated to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Nelnet, Inc.
State: OH

Complaint narrative:
On XX/XX/21, I discovered ( thru XXXX XXXX ) a student loan listed ( opened on XX/XX/21 ) on my credit report which I had not opened. Student loan is for {$10000.00}. There were no hard inquiries or any other items that would have notified me of the load. I contacted Great Lakes ( the lender for this loan ), but customer service was unable to help me because I did not have needed information to confirm my identity ( because the name used on the loan was my name before marriage and the address used was one I haven't lived at for 35 years ). I asked for the fraud department number and called them. They were able to tell me the name and address used, and the school receiving the disbursement ( XXXX XXXX ). I have filed a police report and requested a Loan Discharge Application form from Great Lakes, and am in the process of getting everything together for that. I have locked my credit reports ( although with no hard inquiries made, I'm not sure if that will help at all ). I have contacted my bank to let them know & to note the info in my account in case something suspicious takes place with that account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 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: VA

Complaint narrative:
I disputed late payments on my XXXX, TransUnion and XXXX credit report and provided proof that the original creditors were contacted, and the late payments remain. XXXX, TransUnion and XXXX are in clear violation of my rights as a consumer. I sent over a letter received from XXXX on XX/XX/2021 advising that all late payments should be removed and as of today XX/XX/2021, they remain. I sent over a letter sent to me from XXXX / XXXX stating to discharge and remove any late payments and as of today XX/XX/2021, they remain. The below listed accounts have not been resolved and late payments still remain : Account Name : XXXX Late Payments : XX/XX/2021 and XX/XX/2021 Account Name : EXXXX Late Payment : XX/XX/2021 Account Name XXXX XXXX XXXX Account Number : XXXX Late Payment : XX/XX/2021 Account Name : XXXX XXXX Account Number : XXXX Late Payment : XX/XX/2021 2021

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