vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-02 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: OH

Complaint narrative:
I reported this issue to all bureaus and nothing was done. I would like this issue to be resolved due to code 15 U.S.C. 1681c-2 Block any reporting information if the consumer identifies as information that resulted an alleged identity theft no later than 4 business days after date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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: GA

Complaint narrative:
The first issue is my student loans were forgiven by the US Department of Education, and the credit bureaus are still reporting the accounts with a defaulted balance. I have submitted disputes with the letter showing the forgiveness, and they still will not delete the accounts. The second issue is when my loans were sold back to the US Department of education from XXXX XXXX ; the credit bureaus did not remove the XXXX XXXX accounts from my credit report, so the same accounts report twice. Over the past three years, I have written to them explaining this, and yet again, they refuse to update my profile.

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 2021-06-02 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 first issue is my student loans were forgiven by the US Department of Education, and the credit bureaus are still reporting the accounts with a defaulted balance. I have submitted disputes with the letter showing the forgiveness, and they still will not delete the accounts. The second issue is when my loans were sold back to the US Department of education from XXXX XXXX ; the credit bureaus did not remove the XXXX XXXX accounts from my credit report, so the same accounts report twice. Over the past three years, I have written to them explaining this, and yet again, they refuse to update my profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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: AES/PHEAA
State: GA

Complaint narrative:
FedLoan Servicing sold my account back to the Department of Education in 2019 and failed to remove their accounts from my credit reports. They are still reporting delinquency on my credit reports when they no longer own the accounts. My credit reports show the same accounts reporting twice for two different loan servicers, which increased my DTI and affected me when purchasing my home. This has been an ongoing issue for years, and when I contact FedLoan Servicing, they transfer me from department to department or tell me to write a letter that they never respond to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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: IN

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. im 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 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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 contacted TransUnion about a issue on my credit report over 120 days ago. I filed a CFBP complaint and that allowed the an additional 60 days why? They already had well over 60 days the first tike I asked for an investigation of this falsely reported account. Then they responded that they needed to check with the data furnisher to see if the information is correct. They how did they report the information on my credit report as accurate but no have to check and see if the information is correct with the data furnisher? By law they must report accurately on my credit reports or immediately remove an false, unverified or misleading information. They are in clear violation of FTC Regulation and Basel3.

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 2021-06-02 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: GA

Complaint narrative:
XXXX XXXX sold my account back to the Department of Education in 2019 and failed to remove their accounts from my credit reports. They are still reporting delinquency on my credit reports when they no longer own the accounts. My credit reports show the same accounts reporting twice for two different loan servicers, which increased my DTI and affected me when purchasing my home. This has been an ongoing issue for years, and when I contact XXXX XXXX, they transfer me from department to department or tell me to write a letter that they never respond to.

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 2021-06-02 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: GA

Complaint narrative:
XXXX XXXX sold my account back to the Department of Education in 2019 and failed to remove their accounts from my credit reports. They are still reporting delinquency on my credit reports when they no longer own the accounts. My credit reports show the same accounts reporting twice for two different loan servicers, which increased my DTI and affected me when purchasing my home. This has been an ongoing issue for years, and when I contact XXXX XXXX, they transfer me from department to department or tell me to write a letter that they never respond to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
On XX/XX/2021, I was a victim of IDENTITY THEFT. Several accounts were opened under my name and I have completed a POLICE REPORT FOR IDENTITY THEFT and an FTC REPORT FOR IDENTITY THEFT AS WELL. XXXX XX/XX/XXXX XXXX sent me a bill for an account that it not mine nor I did open. I sent them some documentation on XX/XX/2021 and as of XXXX-21, no reply yet. I am attaching a second letter with the different reports. As of today mi CREDIT has been ruined.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation
State: FL

Complaint narrative:
On or around XX/XX/2021 It came to my attention that my Penn Credit Corporation a debt collector that I had never heard of, had added negative Items to my consumer reports. I was a little confused because I had never communicated with Penn Credit Corporation nor had I had done business with them. This is an attack on my right to Privacy as Penn Credit Corporation has my ( Non Public ) personal Information that I did not give to them nor did I give them permission to have. In addition they have committed Identity theft as they have used my ( Non public ) personal Information that they are wrongfully in possession of to access and place negative items on my consumer reports without my consent. This has harmed my reputation ( Violation of the FDCPA ) as defined by Congress in the FCRA and I demand that Penn Credit Corporation fix this immediately. I do not want to have to to sue Penn Credit Corporation in federal court but I will If we can not get this resolved in a timely matter. Penn Credit Corporation may call me to facilitate resolution and for no other purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Underwood James and Associates LLC
State: TX

Complaint narrative:
On XX/XX/2020, at approximately XXXX hours, I, was dispatched to Texas in reference to a Fraud Call for Service. 

Upon arrival, I made contact with the reportee, identified who stated an unknown person had taken money from him by using deception. 

PROSECUTION IS DESIRED stated he met a female on XXXX identified as " XXXX XXXX '' in XXXX XXXX stated this female told him she was in the military and they began to text ( over the XXXX XXXX XXXX ) and started a romantic relationship. stated eventually XXXX XXXX told him she was going to send him a suitcase full of money. stated XXXX XXXX sent the suitcase from overseas. stated he was told that the suitcase was stuck in customs, and he needed to send money to get the suitcase. 
stated he made fifteen to eighteen wire transfers to various accounts with differing addresses. stated he sent over {$90000.00} to these accounts. 
stated XXXX XXXX is now not answering his text messages, and he believes he was scammed. 
stated he would retain all documents and screenshots in reference to this case. 

Crime Scene Search : Audio : No Photos : No Video : No Scene Summary : The residence located at Texas. It is located in the unincorporated

Company response to consumer: Untimely response
Consumer complaint received 2021-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
XXXX XXXX From XXXX California The man tried to transfer XXXX to his account twice. The chase bank worked to freeze my account and change my information, but the man still continued with trying to gain access to my cash app account. The man tried to transfer XXXX and more .The man unlinked my account and card and add card and added a XXXX XXXX XXXX ending in XXXX. I need this person to receive consequences for stealing and attempting to steal money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
I have major issues with Apple Card Goldman Sachs stemming back to last year in XXXX when I ordered a office chair that was never received. I have called in multiple times explaining id like to dispute the charge because the Vendor for the chair told me to dispute it with my bank. I went into detail on exactly what happened, providing evidence and the correspondence with the Vendor. Goldman Sachs disregarded everything I provided and opened a " Fraud '' dispute which wasn't the case and ultimately siding with the Vendor stating they proved I made the purchase, which could of been avoided if their incompetent reps would of listened and actually opened the proper case. Since then I have called back/Chatted in and reopened the dispute trying to explain what had happened and every single time i am rushed off the phone/chat with the rep telling me " do not worry, it is filed under a did not receive claim '' and every single time im let down because they keep opening a " fraud '' charge. Its crazy as i STILL AM trying to dispute this and no resolve. 

Fast forward to the beginning of this year with XXXX. I had made a purchase and returned the merchandise with a prepaid label provided by XXXX. The package was delievered to their warehouse but XXXX  Customer service states they never got it. I have the tracking number SHOWING it was delievered and signed for at their warehouse, provided all of this evidence to Goldman Sachs and again they opened the WRONG dispute. The dispute they opened was a " fraud, Unknown purchase '' and again sided with the Vendor. I can not believe a huge bank such as Goldman could have such horrible and incompetent employees. Now I am stuck holding the bag so to say and have to pay for TWO charges that I shouldnt.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: BANK OF THE WEST
State: FL

Complaint narrative:
I have a horse trailer loan with Bank of the West. I have been trying to change my address with then for 3 years. It is impossible to speak to an agent. I sat on hold yesterday for 3 hours.

The hold message mentioned that I could do a change of address on line. I went through the process to set up an online account only to find out that my loan does not qualify.

I continued to hold for 3 hours. 

I am trying to sell my trailer but I need to get the address changed so that the lien release comes to me and not to my old address. 

I am concerned that the payoff won't be handles properly since the change of address is so difficult for them.

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 2021-06-02 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: NC

Complaint narrative:
I recently sent a dispute letter to TransUnion, XXXX and XXXX on XX/XX/2021, now it's XX/XX/2021, and I have still not received any investigation results from either Bureau. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond.

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 2021-06-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc.
State: CA

Complaint narrative:
I have attempted to withdrawal available US dollars/funds of {$170.00} from Binance.US and advised withdrawals disabled. Also, unable to trade stating trading is also disabled. A ticket was submitted on XX/XX/2021 to Binance describing issue and still no response or resolution to this date of XX/XX/2021. At this point I just want to leave the platform and completely cash out available funds as well as all available crypto. This company has held any trading that could result in greater wealth for myself and very unfortunate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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: NC

Complaint narrative:
I recently sent a dispute letter to XXXX, Equifax, and XXXX  on XX/XX/2021, now it's XX/XX/2021, and I have still not received any investigation results from either Bureau. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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: NC

Complaint narrative:
I recently sent a dispute letter to XXXX, XXXX, and Experian on XX/XX/2021, now it's XX/XX/2021, and I have still not received any investigation results from either Bureau. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond.

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 2021-06-02 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: CA

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. All I do with my personal account is buying. There is no selling and I pay all of my bills on time. Now all my credit cards are declined from the paypal system for no apparent reason and explanation. I have couple paypal accounts. They were limited but now they have already been restored after I uploaded my documents. This is the account that is in ban under my infos which I believe is the cause why I am unable to use paypal services via my cards even after my limitation has been restored. 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 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 ''. 

Wanted solution : Reinstate my account and uplift ban and declines for my credit cards. 
XXXX Credit XXXX Credit XXXX XXXX XXXX Credit XXXX Credit All these cards belong to me and my mom. None of them is stolen cards, and I have not had a single payment that's not paid off. I don't owe paypal any money nor would I have any chance to owe them any money because I am not a seller and I am not using their business account functions. I don't understand why paypal bans me from using my credit card when it isn't even a banking system. I am just trying to purchase as a consumer and I pay all my bills on time with absolutely no delay yet paypal bans me for no reasons and explaination. And I can't use my CC now on its platform no matter how many new paypal account I have recently made. I feel mistreated for being seen by this company as scam, dishonest, or high risk users. I don't know why they ban me. They never explain nor could their customer service team help me out.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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: CA

Complaint narrative:
XXXX, Equifax and XXXX  are reporting 9 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 1st dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Tate and Kirlin Assoc
State: NJ

Complaint narrative:
THIS WILL BE THE 2ND REQUEST VIA WRITING TO CEASE AND DESIST ALL COLLECTION EFFORTS AGAINST ME. I DO NOT OWE XXXX ANY MONIES AS THIS ACCOUNT IS NOT MINE AND WAS OPENED UP WITHOUT MY KNOWLEDGE. I HAVE REQUESTED INVOICE COPIES AS WELL AS ANY INFORMATION REGARDING THIS ACCOUNT THAT WOULD BE HELPFUL IN THE PROCESUCTION OF THE PERSON THAT OPENED IT. TO XXXX XXXX XXXXXXXX, THIS INFORMATION REQUESTED MUST BE RECEIVED. I DO NOT WANT ANY OFFERS TO PAY 50 PERCENT OF A DEBT THAT I DID NOT INCUR. I WILL BE CONTACTING THE POLICE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CO

Complaint narrative:
I was in a Covid-19 mortgage forbearance plan for 12 months and began repaying the mortgage in XX/XX/2021. I made my first mortgage payment online using the one-time online payment option, URL is https : //www.mrcooper.com/servicing/payments/onetime/new. However, now that I am in the repayment plan, that link no longer is functional, and I am no longer able to make payments online. The payment links on their website simply do not work and I can not get any help from their customer service department as to why it is not working. My loan was transferred from the previous servicer after I applied for mortgage forbearance and this new company, Mr Cooper, has just been an absolute nightmare to deal with. I need to make my mortgage payment but it feels like they are purposefully setting me up to fail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I made and XXXX account in last year and purchased {$230.00} plus and paid off I submitted the payment my back provided proof also about the payment but comenity capital bank still calls me check on my credit score and flagged my account on late payment which wrong It has brought down my credit score and putting me in a difficult situation when I have to lease the car for my use

Company response to consumer: Closed with monetary relief