vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
I am a small businessman fixing AC and Heating systems. 

I use PayPal merchant services to receive payments from customers. 

On XX/XX/21, I received {$3700.00} from a customer. Pay Pal charged me {$130.00} as a fee. Then they charged a further {$10.00} to instantly transfer the balance of {$3500.00} to my bank.

But they also held {$230.00} for 21 days. They claim that is their policy.

I believe this is illegal or at minimum an immoral practice.

I seek your advice please.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NJ

Complaint narrative:
I applied for a COVID 19 forbearance to help while Im out of work n because my income was reduced. My mortgage co approved the forbearance and they only approved the principal and interest n not the escrow. The P/I was put at the back of the loan but the escrow wasnt n because I was on forbearance for 6 months my escrow is short by {$16000.00} n I received a letter from my mortgage showing a escrow analysis with the shortage amount and if I didnt pay the shortage my payment would go up from {$1600.00} to {$3000.00} in XX/XX/2021. How is that helping my situation. If anything it made it worse. I need help..not make my payments go up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08 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: NC

Complaint narrative:
I would file a dispute and the dispute will open and close out on the same day. No real investigation is done and this has been done several times. 

I am a victim of identity theft and several information breaches including Equifax. Someone has been using my information to acquire things for personal gain.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08 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: Lending Club Corp
State: TX

Complaint narrative:
Im XX/XX/XXXXAND XX/XX/XXXXoff XX/XX/XXXXI am being reported as missed payments resulting in negative credit drop I have nicely tried to dispute this multiple times Directly with the lending club, then I have tried to dispute with the credit bureaus, if lending club truly records phone conversations they can go back and reflect on the fact that we had total job loss due to Covid, during Covid no company is supposed to report negative credit, the payments were made and caught up, also LENDING CLUB Has been directly debiting automatic payments from my bank account ever since I got another job, ( I can prove this ) and as of today lending club has reported that I am late on those payments as well, according to the drop in my score again. Due to the illegal practices of reporting negativity during Covid and MY job loss I would request that once and for all lending club delete ALL negative reporting to all three credit bureaus. This is illegal practicing and when I do call, most of the people you speak with do not know what they are talking about or false information, again if they have recorded phone calls they can go back and reflect on those and see that when I called and the individual I spoke with assured me there would be no negative reporting during my job loss and covid which is actually still happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08 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: TX

Complaint narrative:
Im XX/XX/XXXXAND XX/XX/XXXXoff XX/XX/XXXXI am being reported as missed payments resulting in negative credit drop I have nicely tried to dispute this multiple times Directly with the XXXX XXXX, then I have tried to dispute with the credit bureaus, if XXXX XXXX truly records phone conversations they can go back and reflect on the fact that we had total job loss due to Covid, during Covid no company is supposed to report negative credit, the payments were made and caught up, also XXXX XXXX Has been directly debiting automatic payments from my bank account ever since I got another job, ( I can prove this ) and as of today XXXX XXXX has reported that I am late on those payments as well, according to the drop in my score again. Due to the illegal practices of reporting negativity during Covid and MY job loss I would request that once and for all XXXX XXXX delete ALL negative reporting to all three credit bureaus. This is illegal practicing and when I do call, most of the people you speak with do not know what they are talking about or false information, again if they have recorded phone calls they can go back and reflect on those and see that when I called and the individual I spoke with assured me there would be no negative reporting during my job loss and covid which is actually still happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Im XX/XX/XXXXAND XX/XX/XXXXoff XX/XX/XXXXI am being reported as missed payments resulting in negative credit drop I have nicely tried to dispute this multiple times Directly with the XXXX XXXX, then I have tried to dispute with the credit bureaus, if XXXX XXXX truly records phone conversations they can go back and reflect on the fact that we had total job loss due to Covid, during Covid no company is supposed to report negative credit, the payments were made and caught up, also XXXX XXXX Has been directly debiting automatic payments from my bank account ever since I got another job, ( I can prove this ) and as of today XXXX XXXX has reported that I am late on those payments as well, according to the drop in my score again. Due to the illegal practices of reporting negativity during Covid and MY job loss I would request that once and for all XXXX XXXX delete ALL negative reporting to all three credit bureaus. This is illegal practicing and when I do call, most of the people you speak with do not know what they are talking about or false information, again if they have recorded phone calls they can go back and reflect on those and see that when I called and the individual I spoke with assured me there would be no negative reporting during my job loss and covid which is actually still happening.

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 2021-08-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION
State: CT

Complaint narrative:
This company credit acceptance claim a contract is fraudulent altered for XXXX XXXX a dont know with what purpose maybe for get the approved for the bank he altered the down payment is XXXX contract say XXXX price of the car XXXX contract say XXXX over charge around XXXX dollar a contact credit acceptance and this company dont do no investigate they offer a settlement for XXXX a not accept that a they claim a accept that offer this company drain my credit with fraudulent contract a dont go to accept less of remove this account of my credit report and close this account if is posible contact XXXX XXXX the person on the contract

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 2021-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Management Partners, LLC
State: IN

Complaint narrative:
RMP LLC is reporting negative debt on my credit report every month in the amount {$980.00} on XX/XX/2018. I am very unaware of this debt because, I have never done business with this company

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: I.C. System, Inc.
State: NJ

Complaint narrative:
I have no knowledge of this debt, please provide demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. absent such proof, you must correct any erroneous reports of this past debt as mine, i requested the collection agency to provide the following information : -please evidence your authorization under 15 USC 1692 ( e ) and 15 USC ( i ) in this alleged matter. -what is your authorization of law for your collection of information? -what is your authorization of law for your collection of this alleged debt? -Please evidence your authorization to do business or operate in this state. -Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. -Please provide a complete account history, including any charges added for collection activity. -Please provide me a complete purchase what you pay for the debt. you have 30 days from receipt of this notice to respond. Failure to respond in writing, hand-signed, and in a timely manner, will be considered a waiver to any and all of your claims in matter, and will entitle me to presume you placed this on my credit report ( s ) in error and that this matter is permanently closed. provide the proof, or correct the record and remove this invalid debt from all sources to which you have respond it.

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 2021-08-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Back in XXXX of 2021 I opened a Merrill Lynch XXXX stock trading brokerage account. I gave them all my personal information and setup a login. I got the checks and all the information sent to me for these accounts. I then downloaded the phone app and began setting that up. For a short period of time I had a login and access to this service. However, there were then technical errors accessing the account. I called the local XXXX office to inquire about this and setup an appointment. I got an appointment time set and was thinking of also adding the bank of america account that is partnered with perks at the same branch location. I put considerable time and energy into the account setup. I am unable to access the account. After several hours and many representatives on the phone, I am still unable to access the service. I have since been told the accounts were all closed by Merrill Lynch. This was against my will. I did nothing to deserve this. Please confirm if this is accurate? What is my account status? Is it true you are not willing to serve me or open an account? If so, why? This is considered breach of contract and negligence as well as discrimination. I am XXXX  and also a minority now. Please explain why I am being denied services?

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 2021-08-08 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: TX

Complaint narrative:
Experian, XXXX and XXXX continue to report inaccurate/false information to my credit report and causing me tremendous stress! They are not investigating as per FCRA guidelines!

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 2021-08-08 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: TX

Complaint narrative:
There are inaccurate items on my report being bankruptcies that states a XXXX XXXX as Plantiff these are inaccurate I havent not filed Bankruptcy in Texas these are fraudulent and need to be removed I will be opening a fraud case with the U.S. government.

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 2021-08-08 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: FL

Complaint narrative:
I have been trying for months to get fraudulent accounts removed from my report. Equifax has been the only one giving me a hard time. It seems like I am being punished for trying to get these fraudulent accounts removed. There is one account left with XXXX XXXX XXXX. This account was started by a family member. I resided on the other side of the state and had an account with a totally different electric provider. Equifax has dropped my credit rating over XXXX points in the last few months. There are no derogatory remarks on my credit report everything is up to date. I am a XXXX veteran and I am trying to get my credit as high as I can before I purchase a home. Equifax is negatively impacting my livelihood. I would like to get this problem taken care of so I can get on with my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08 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: DE

Complaint narrative:
These accounts are reporting incorrectly on my credit reports, Ive tried to speak with the creditors and they refuse to remove this information from my credit can you please assist me with getting these inaccurately reporting accounts removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Hello, I have a Comenity MasterCard and starting XX/XX/2021, I had a balance of {$410.00}. Back in XX/XX/2021, there was a payment posted by a mail-in check of {$1800.00} that I am fully aware I did not send. I have called them multiple times regarding this situation. The first representative I spoke with told me to not worry about the payment which I am afraid someone might have mistakenly posted on my account. The second representative I spoke with opened up a case. 

Once they were done with the investigation, not only did they reverse the {$1800.00} payment, they increased my balance by {$1800.00}. Now I am owing a total of {$22000.00}. I have been calling them regarding this situation since XX/XX/2021. I spoke with 2 representative that told me to wait 30 days. I called again XX/XX/2021 and the representative opened another case, but I have not heard from them at all. And no one has been able to help me with my situation. And I was told that it will not affect my credit. 

I am still making payment on this account and has not missed a payment. This is has been affecting my credit score negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This is not my Account and is fraudulent. 
Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Loan Balance on XX/XX/XXXX Loan Amount -

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 2021-08-08 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: DE

Complaint narrative:
These accounts are reporting inaccurately on my credit reports, Ive tried to speak with the creditors directly & they have not removed this information from my credit can you please assist me with getting these inaccurately reporting accounts removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08 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: DE

Complaint narrative:
These accounts are reporting inaccurate information on my credit reports, Ive tried to speak with the creditors they have not removed this information from my credit can you please assist me with getting these inaccurately reporting accounts removed from my credit reports.

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 2021-08-08 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:
Upon checking my report, i realized a medical bill for services, I'm never received. Ive never done busniss with XXXX XXXX XXXX or entered into a signed contract with this company. The account is fraudulet, please see attached ftc report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX BALANCE {$450.00} This is Fraudulent and not my debt.

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 2021-08-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
AmSher Collection Services has furnished an inaccurate on my credit report and never contacted or provided me with any proof that I lawfully owe this alleged debt. I am imploring the CFPB to hold them accountable to delete this account because they never validated or verified this alleged debt in accordance with federal laws. I have attached my cease-and-desist letter which I sent them below. They received it on XX/XX/2021 and pursuant to federal law upon receipt this letter has immediate effect. AmSher Collection Services is therefore illegally communicating and sharing information about this alleged account with several credit reporting agencies. They do not have my consent to do this anymore and may not contact me directly ever as my cease-and-desist letter clarify.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08 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: Convergent Resources, Inc.
State: WI

Complaint narrative:
I attempted to dispute these medical bills 7 times in the past 2 years. For 4 years Ive recieved state food and health benefits because my mom is XXXX and i am also unemployed.. my XXXX XXXX XXXX XXXX insurance covers the treatment i recieved on ALL the bills associated with XXXX. These negative inquiries on my report have been invalid for years. The poor credit score im condemned to, is a misrepresentation of me and my credit worthiness.

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 2021-08-08 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:
XXXX, TransUnion, and XXXX continue to report inaccurate/false information to my credit report and causing me tremendous stress! They are not investigating as per FCRA guidelines!

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 2021-08-08 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: TX

Complaint narrative:
XXXX XXXX, and Equifax continue to report inaccurate/false information to my credit report and causing me tremendous stress! They are not investigating as per FCRA guidelines!

Company response to consumer: Closed with explanation