vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
I have contacted PayPal through XXXX, XXXX, XXXX and XXXX since last week that I NO LONGER have access to my old phone number ( XXXX ) XXXX, which is what they use for their " Quick security check '' page, but they keep INSISTING that I should still have access to my account that is associated with email XXXX regardless. 

This is not true. 

They are GASLIGHTING me. 

As long as they link my old, OUTDATED phone number ( XXXX ) XXXX with my XXXX, then I have NO access to this PayPal account!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Santander Consumer USA Holdings Inc.
State: NJ

Complaint narrative:
I recently reviewed a copy of my credit report and noticed there is a debt from this company with claims that I owe for goods/services/loans issued on my behalf. I don't remember receiving any such things and would like to have the company verify this as such. I sent a request for validation and have yet to get a response to my dispute from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Eastern Account Systems of Connecticut, Inc.
State: CT

Complaint narrative:
The collection agency reported a collection account for a medial bill from XXXX XXXX XXXX to the Credit Bureaus in XXXX of this year. However they did not send me the initial notification of the debt until a letter dated XX/XX/2021. This did not allow me the opportunity to either verify the debt not take action regarding it. when I called them after receiving the letter in XXXX, I spoke with XXXX XXXX, and she informed me that they sent me letters on XX/XX/XXXX and XX/XX/XXXX. I never received said letters, and when I asked her to send me copies of them she refused. I do not believe the mailed any letters and are, therefore, out of compliance with applicable Federal law including FCRA. I therefore demand that this report to the credit bureaus be completely removed, and that I be given time to investigate and if necessary pay the debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I called customer service with TRANSUNION on XX/XX/21 to remove fraudulent inquiries. Representative told me to file an FTC. The FTC website redirects me to file a complaint/fraud with Consumer Finance.gov. I tried to explain this to the TRANSUNION rep whom did not understand. I spoke with a FTC rep who confirmed that my type of complaint goes through Consumer Finance. My file number with TRANSUNION is XXXX. TRANSUNION has failed to provide documentation that these inquiries belong to me Under theFair Credit Reporting Act, the information provider has 30 days to report back to the credit bureau with proof that I authorized the credit inquiry. Also, in accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ). This is causing serious hardship in the mist of COVID-19. This has caused serious problems and hardship.

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 2021-09-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
I have made 2 payments 2 this company and they just took over this debt as of the first of the month, made my second payment to them today. Yet they call me everyday! I have blocked several numbers they call from. I have asked them to stop calling. I have tried to chat with them online and asked them to harassing me. They have also called my work. I am making payments, so i'm not sure what else they want me to do. They just call and ask everyday if I can pay the balance in full. I can't do that .... Can you please make them leave me alone?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 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: VA

Complaint narrative:
Equifax sent me a letter ( which is attachec ) where they advised they are not doing any further investigating into the accounts listed on my dispute. Under FCRA I have the right to request the credit bureau furnish proof of the accounts being falsely reported to my credit report for accuracy. I have sent letters on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX requesting teh credit bureau furnish these documents - as this information is not valid - I have not signed contracts with this companies. This letter is their denial of what is my right legally and they have exceeded the legal time frame to provide it. 

I have attached a notarized authorization for them to speak with you to resolve my complaint, a copy of a bill, US Passport and the last letter that was sent

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I dispute any and all alleged debts listed in my attached documents. If you believe I am in debt to your company I need to see the burden of proof. These accounts should not be reporting on my credit report without validation.

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 2021-09-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CMG Financial Services, Inc.
State: MI

Complaint narrative:
Hello, I refinanced my home with XXXX XXXX in XXXX of 2020 and XXXX sold my debt to CMG financial in XXXX of 2020. I was notified via email and I followed the steps to set up an online account with CMG. I made the first payment ( XXXX of 2020 ) over the phone with CMG and I elected to enroll in autopay and electronic ( email ) correspondence. I was notified in XXXX of this year by my original loan writer that CMG reported me as not paying my mortgage for the months of XXXX, XXXX, and XXXX of this year -- I was not personally notified by CMG about delinquent payments. I logged onto the CMG website and my login information which had once worked, no longer did. I called CMG and spent hours over the phone with several ( rude ) customer service representatives and IT personnel who eventually told me that there was an issue with my username not connecting with my account. Once this problem was solved, I immediately paid the delinquent debt and late payments. I subsequently enrolled in autopay for the following two months and, due to glitches, payments didn't go through properly ; so I had to manually make payments ( all of which occurred on time ). I am now enrolled in autopay and electronic correspondence, both functions currently work appropriately. This mishap destroyed my once stellar credit and CMG refused to connect me with anyone of any authority in their company to hear my situation and try to resolve this issue. Ive had a long email correspondence with the office of the CEO at XXXX XXXX and they did their best to help communicate with CMG, however, CMG still refused to speak with my directly and eventually concluded that there is nothing more that could be done and they could find no records to validate my claims, and they even went as far as to say that I, " never attempted to contact CMG regarding this issue '' -- a complete lie. I had stellar credit prior to this, no history of delinquent debt, and no financial hardship during this year ; yet, my credit has been destroyed and I feel that much of this was out of my hands and the fault of CMG. I am asking that something be done to remedy this situation and restore my credit. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENOVA INTERNATIONAL, INC.
State: CA

Complaint narrative:
Net Credit is reporting negative information on my credit report in the amount of {$3500.00} which was opened XX/XX/2017. I have disputed this account and requested they send proof of how this account was validated showing my ownership and agreement to this debt. However they have failed to validate this debt with proof. I am requesting the removal of this debt from my credit report, because it does not belong to me, and its illegal to report false information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BROKER SOLUTIONS, INC.
State: MD

Complaint narrative:
2. XXXX/New American - Misuse of my information. Multiple inquiries within 30days. I called on XX/XX/XXXX to resolve, per the information provided by rep on XX/XX/XXXX, I never spoke to the rep mentioned. 
DATES : XX/XX/XXXX, XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Management Partners, LLC
State: TX

Complaint narrative:
I have been disputing this account for some time now with RECEIVABLES MANAGEMENT ( RMP ). I sent an initial dispute letter asking for verification of this account because I am not familiar with this account and they have not responded. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. My letter was delivered on XX/XX/XXXX, and here is the tracking number XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 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: TN

Complaint narrative:
Upon checking my credit report I seen so fraudulent account and inquiries on my Transunion report. I tried to get items with FTC and police report but Transunion is still reporting this false 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 2021-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credit Technology, Inc.
State: MD

Complaint narrative:
1. XXXX - I never provided this agency permission to run my credit. 
If they are associated with XXXX, then this is fraud. The loan officer XXXX XXXX provided fraudulent documentation in which ill be filing a specific complaint with HUD, CFPB. 
DATES : XX/XX/XXXX ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

2. XXXX XXXX - Misuse of my information. Multiple inquiries within 30days. I called on XX/XX/XXXX to resolve, per the information provided by rep on XX/XX/XXXX, I never spoke to the rep mentioned. 
DATES : XX/XX/XXXX, XX/XX/XXXX. 

3. Credit Tech - I never granted this agency to access my credit. 
If they are associated with XXXX XXXX XXXX, my information was misused and sold despite being told that they no longer offered the XXXX loan product due to COVID-19. if XXXX XXXX is affiliated with this transaction, he stopped responding. 
DATES : XX/XX/XXXX & XX/XX/XXXX. 

4. XXXX - Im not familiar with this transaction. I tried calling but was not able to reach anyone. 
DATES : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CORELOGIC INC
State: MD

Complaint narrative:
1. XXXX - I never provided this agency permission to run my credit. 
If they are associated with XXXX, then this is fraud. The loan officer XXXX XXXX provided fraudulent documentation in which ill be filing a specific complaint with HUD, CFPB. 
DATES : XX/XX/XXXX ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

2. XXXX XXXX - Misuse of my information. Multiple inquiries within 30days. I called on XX/XX/XXXX to resolve, per the information provided by rep on XX/XX/XXXX, I never spoke to the rep mentioned. 
DATES : XX/XX/XXXX, XX/XX/XXXX. 

3. XXXX XXXX - XXXX never granted this agency to access my credit. 
If they are associated with XXXX XXXX XXXX, my information was misused and sold despite being told that they no longer offered the 203k loan product due to COVID-19. if XXXX XXXX is affiliated with this transaction, he stopped responding. 
DATES : XX/XX/XXXX & XX/XX/XXXX. 

4. Credco - Im not familiar with this transaction. I tried calling but was not able to reach anyone. 
DATES : XX/XX/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 2021-09-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: CountryPlace Acceptance Corporation
State: TX

Complaint narrative:
I was trying to get some assistance with some issues we've been having but I think I've reached my breaking point with you guys. This whole first-time home buyer experience and the lack of respect by trying to offer me a 1-800 number is the final straw for me. I'm just giving you a heads up on my next steps moving forward. I almost am at my one-year mark and was doing my due diligence and homeowner obligations and I hate to admit this but you guys have been the worst lending builders ever. I hope moving forward with your community that you will ensure better expectations for yourselves and provide your customers better service. 

Issue 1 : Water Source. Did we pay for XXXX to come out and put city water? We have a community well shared with 3 lots however one of the residents and the developer have been going back and forth on the sulfur smells. This has resulted in some serious water quality issues and a lack of proper water maintenance. The amount of bleach going into the well is unhealthy for our health and is so strong that you can turn on a sink and smell it through the whole house, it burns your eyes, it ruining our clothes. No one has the knowledge and authority to regulate the well so people are just adding bleach in excessive amounts. However, I will/am going to file a report with the XXXX. 
I also discovered that my sewer sprinklers are not in code according to the XXXX. I have a creek in my backyard and my sprinklers aren't far enough away from my creek so thank you for that XXXX also. I'll figure it out with the XXXX. 

Issue 2 : The Powerpole isn't up to code per the XXXX I guess bluebonnet is responsible for that? XXXX XXXX XXXX who conducted the surveying for the easement. What are we supposed to do about that? 

Issue 3 : My house appraisal value is not accurate based on the provided inspection given to my lender that was performed by XXXX XXXX. 

Issue 3 : The AC and the thermostat, also not in regulation the thermostat is installed too far away from the return air. 

Other issues : Our neighbors home was built and you guys forgot to install water spickets and still haven't addressed this. Their roof was also leaking the first week of living there and it was a new build. the land developer assumed that you guys were increasing the prices on our contracts that he charged you and asked us to see our receipts. For example, the price for the easement was {$900.00} for the fieldwork and {$650.00} for the exhibit. This definitely brings up concerns for us as a homeowner as I'm sure you can understand. 

There are many more issues and concerns but I guess I need to just contact the Federal Housing Administration, the XXXX, XXXX, XXXX, and whoever else I can bring this to attention and ensure that the other 37 lots don't result in the same disappointment as my family has had to suffer. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This Account is being added to my credit report With the intention of collecting I have disputed this account with the original creditor over the Phone to validate this information on XX/XX/2021 I have not received any information From XXXX XXXX XXXX. 
This Account is not just added is also inaccurate. With no payment History on all accounts Starting with XXXX Transunion XXXX XXXX also the balance is inaccurate. 
please have this delete immediately from my credit report. 

Note. this account has a duplicate account with a different account number

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 2021-09-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE
State: NY

Complaint narrative:
In XXXX of XXXX we paid off our mortgage at Huntington as is reflected and acknowledged in Huntington 's letter to us dated XX/XX/XXXX. 
In XXXX of XXXX the XXXX XXXX Clerk inadvertently forwarded the unrecorded Satisfaction and Huntington checks payable to the Clerk to our home instead of Huntington, with a cover page indicating Huntington failed to provide a recording cover page, recording information for chain of title, and the funds Huntington forwarded to the County Clerk were also insufficient. 
Upon receipt of these papers from the XXXX XXXX XXXX, we immediately forwarded the papers to Huntington so that they could provide the XXXX XXXX XXXX with the proper documentation and funds in order to have the Satisfaction of Mortgage recorded. 
In XXXX of XXXX we called Huntington and received no answers to our questions. We thereafter sent a letter to Huntington requesting that they provide us with the status of the Satisfaction of Mortgage. We again received no response. 
In XXXX of XXXX we called Huntington and spoke with a woman who advised us that our file had a notation dated XXXX that Huntington was waiting to hear from the County about an Affidavit for a chain of title and that Huntington had to order title work for the chain of title. 
After making a few more phone calls with no responses, we wrote to Huntington in XXXX of XXXX outlining their failure to provide a properly recorded Satisfaction of Mortgage. Again - no response - written or otherwise. 
In XXXX of XXXX we sent an email to Huntington requesting that they have their legal department contact us immediately to advise us of the status of the Satisfaction. Again - no response. 
Several more calls were made with no response. 
In XXXX of XXXX when we called we were told by XXXX XXXX XXXX that he was unable to view our profile because he was only able to go back 2 years! We were asked if we contacted XXXX. We advised him that we had done so with no response from Huntington. We were then transferred to his supervisor " XXXX '' who indicated that he would contact the lien release area to have them refile the Satisfaction. 
We have called, we have written, we have emailed. 
Huntington has dropped the ball constantly and it has become beyond frustrating at this point. We are 3 years out and we still have no Satisfaction of Mortgage!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: ID

Complaint narrative:
My wife and I consolidated our student loans in 2004 (? ) because we were led to believe we would receive a better interest rate, but when we got our first payment notice, the payment was too high for us to pay. We were not told that that would reset the clock for the period of repayment, so the 25 year clock was reset. We started with a debt of about $ XXXX. When we contacted them about the payment amount being more than we could afford they gave us a forbearance. We were not informed that we had a limited number of forbearances we could have or that the interest would be capitalized and added to the principle every year. A few years ago, when we tried to get a new forbearance, we were told we had used all our forbearances and could no longer get one. We didn't want to default and after many phone calls and much frustration, were able to get on an income based repayment plan. The principle had climbed to over {$200000.00} by that time and now our payments don't even cover the interest. Unless we take evasive action, our estate, when we die, will be consumed by our student loan debt and our kids will receive nothing. I have no problem paying back a debt I owe, but I feel as if I was cheated by Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
someone tried to acces my credit report discover card and jpmbc contacted me about it i never applied for any new card or credit line increase.

Company response to consumer: Closed with non-monetary relief