vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-01 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2020 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days 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 Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: GA

Complaint narrative:
on the XXXX of XXXX i have sent {$600.00} using moneygram and the choose the option for the money to be deposited on my brother 's mobile in XXXX because it should of take less time the money is for an emergency but until today they have not deposited the money and i have been contacting them but no straight answer but just some run around same o same answer reference

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
This debt is not mine and it's holding me back from obtaining a mortgage loan. Please have it removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: LA

Complaint narrative:
I have been trying to get an accurate count of my payments toward the PSLF and the TEPSLF eligibility for my DIRECT SUB CONSOLIDATION LOAN and DIRECT UNSUB CONSOLIDATION LN disbursed on XX/XX/XXXX. FedLoan servicing has changed my number of payments eligible for TEPSLF from XXXX on XX/XX/XXXX to XXXX on XX/XX/XXXX. They have listed 55 payments between XX/XX/XXXX and XX/XX/XXXX as ineligible due not having been received within 15 days of the due date. This is incorrect. I have been trying to get this fixed since XX/XX/XXXX but have not been able to resolve it with FedLoan servicing. Every time I call they say it's under review.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
on XX/XX/XXXX i see a charge on my account of {$2300.00} from XXXX. 
when i contact XXXX to see what was this charge from, XXXX advise me that my debit card was attached to a different XXXX customer and used from this person. 
with the XXXX agent we found out more than 50 transactions was debit from my bank account between XX/XX/XXXX and XX/XX/XXXX. 
i contact my bank bank of america and explain the situation and open a claim, after 10 days they reject the claim because it was too long on the time i ask them to reopen the claim again, with a email from XXXX, saying that my debit was used by unauthorized user. also i explain to the bank why i didnt monitor well my bank account last fews month because i was very sick on bed because of the covid. also i have a XXXX account myself and during this time i was ordering also, so i didn t detect my order and the fraud .. 
we send the bank all the fraud transaction and they reject a second time. 
i contact amazon many times to ask them to reimbourse me, they have all the proov and information of the person stoll my card. 
XXXX didn t want take them responsabilty also they ask me to do a police report and send them, its what i did on XX/XX/XXXX i send them, and no response i went back to the bank and reopen the claim, reject again. 

the total amount of the injurie is more than {$4500.00} i dont know what to do more, i really need to get back my money please help me XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
My wife and I wanted to refinance our mortgage and we contacted PennyMac to begin the process. We received our lower interest rate and understood that we will have a XXXX cash to close and about {$700.00} off of our monthly mortgage payment. Then, for some reason, the day before we were scheduled to close, we received a call saying that they changed the numbers of our closing to make it a {$800.00} cash to close and our monthly mortgage payment went up about {$100.00}. Then we had to start over again with setting up all of the numbers for our refinance and we got another statement saying that we will have a second attempt to close with a XXXX cash to close. Then, for a second time, the morning of the closing, I received a call from PennyMac saying that they changed the numbers again and we would have an {$800.00} cash to close and our monthly mortgage payment went up again. I would like to know why our original refinance had our new monthly mortgage payment around {$1200.00} a month and we ended up paying {$1400.00} a month after having the numbers changed twice within 2 weeks so we didn't get the original {$1200.00} a month payment that we were told.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Control, LLC
State: FL

Complaint narrative:
Credit Control , LLC has been attempting to collect on an alleged debt that has already been paid for due to a consumer credit transaction that took place with XXXX XXXX XXXX XXXX XXXXXXXX. I am a Federally Protected Consumer and Credit Control has violated me in many ways. Credit Control , LLC is a third party debt collector. I never gave Credit Control , LLC written or oral permission to have my information. I have a right to privacy and my privacy has been breached pursuant 15 USC 1692c ( b ). Credit Control , LLC has furnished information on my consumer report without my knowledge and permission pursuant 15 USC 1692c ( a ). Credit Control , LLC can not state that such consumer owes a debt 15 USC 1692b ( 2 ). I mailed Credit Control , LLC a debt validation along with a cease and desist. I received no response in over a month. After I sent another company who they are affiliated with they then send me a statement on this alleged 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 2021-02-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
I reached out to XXXX XXXX XXXX ( XXXX ) on XX/XX/XXXX for a collection account assigned to Medical Data Systems , Inc. and spoke with XXXX in billing. She stated XXXX needed to research to verify the charges. XXXX took my current address and updated it in the system. I asked her to make a note that this address is my address and should not be associated with the person/record they have on file. They address that they had on file prior to XX/XX/XXXX when I called was not me and is not associated with me in anyway. XXXX also confirmed that they had my social security number. I asked if she had my birthday and she was not able to confirm. I also asked about the general characteristics ( height, size, weight, etc of the person they have on file ), she was not able to disclose that either. XXXX did say that XXXX has a process for verifying if their information is correct and for me to call back in 7-10 business days. 
I called back and spoke with XXXX on XX/XX/XXXX. XXXX advised that they were still investigating and would need until XX/XX/XXXX to complete. I asked how they would be able to determine if their records are correct if they do not receive any additional information from me like my driver 's license, background, etc. She repeated what XXXX previously stated that XXXX has a " way '' to determine if their information is accurate. 
I voiced my frustration with their process and conflicting information I received from one person to the next. I reiterated that I've never been to their hospital and I've never authorized anyone to visit their hospital or any affiliated entity of XXXX and to please update their system and their collection agency ( Medical Data Systems ) ; and to contact the credit reporting agencies including XXXX, XXXX, and XXXX  to delete the inaccurate account off my credit.

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 2021-02-01 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: IL

Complaint narrative:
I have several accounts on my credit report that does not belong to me. I have disputed these accounts several times and this collection agency continues to put this debt on my credit report. 
Transunion, XXXX, XXXX, XX/XX/XXXX XXXX  XXXX  placed a Hard Inquiry on my credit XX/XX/XXXX XXXX  XXXX  placed a Hard Inquiry on my credit XX/XX/XXXX XXXX  XXXX  placed a Hard Inquiry on my credit XXXX XXXX XXXX XXXX XXXX  XXXX placed a Hard Inquiry on my credit XX/XX/XXXX XXXX  XXXX  placed a Hard Inquiry on my credit XX/XX/XXXX XXXX XXXX added a collection account on my credit report {$2200.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX placed a Hard Inquiry on my credit XX/XX/XXXX XXXX XXXX placed a Hard Inquiry on my credit XX/XX/XXXX XXXX XXXX placed a Hard Inquiry on my credit XX/XX/XXXX *XXXX  XXXX  placed a Hard Inquiry on my credit *XXXX  placed a Hard Inquiry on my credit *XXXX placed a Hard Inquiry on my credit *XXXX  placed a Hard Inquiry on my credit XX/XX/XXXX XXXX XXXX XXXX placed a Hard Inquiry on my credit XX/XX/XXXX XXXX placed a Hard Inquiry on my credit XX/XX/XXXX XXXX placed a Hard Inquiry on my credit XX/XX/XXXX XXXX XXXX XXXX  XXXX placed a Hard Inquiry on my credit XXXX XXXX  XXXX  card {$250.00} XXXX XXXX  XXXX  {$20000.00}

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 2021-02-01 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Porsche Financial Services, Inc.
State: CA

Complaint narrative:
This is the third time I have been forced to submit a complaint for not being able to pay my loan for the lease of my XXXX. I have constantly pleaded with XXXX to look into this matter of their system for online pay as this issue has continued. My credit has now taken another hit because their online portal is either constantly down for maintenance or it just wont simply allow you to access anything until its too late. Each time I've only been able to access my account to make payments and by then its late, but then shortly after i can not access my account again. I've also made a representative aware of the customer service number that is provided on the site to call that is literally a spam number and does not work. I've tried called XXXX XXXX and have asked to speak with a manager and have not received a call back for over a month. I've attached a screen recording shortly after a payment was made and I was unable to access my account again. I also have video of now being able to access my account and the " down for maintenance error '' messages but am not able to upload as they are too large and can provide should XXXX need more evidence. I would just like a reliable system to make my payments on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 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 several accounts on my credit report that does not belong to me. I have disputed these accounts several times and this collection agency continues to put this debt on my credit report. 
XXXX, Equifax, XXXX, XX/XX/XXXX XXXX XXXX  placed a Hard Inquiry on my credit XX/XX/XXXX XXXX XXXX placed a Hard Inquiry on my credit XX/XX/XXXX XXXX XXXX placed a Hard Inquiry on my credit XXXX XXXX XXXX XXXX XXXX  XXXX placed a Hard Inquiry on my credit XX/XX/XXXX XXXX  XXXX  placed a Hard Inquiry on my credit XX/XX/XXXX XXXX XXXX  added a collection account on my credit report {$2200.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX placed a Hard Inquiry on my credit XX/XX/XXXX XXXX XXXX placed a Hard Inquiry on my credit XX/XX/XXXX XXXX XXXX placed a Hard Inquiry on my credit XX/XX/XXXX *XXXX  XXXX  placed a Hard Inquiry on my credit *XXXX placed a Hard Inquiry on my credit *XXXX  placed a Hard Inquiry on my credit *XXXX  placed a Hard Inquiry on my credit XX/XX/XXXX XXXX XXXX XXXX placed a Hard Inquiry on my credit XX/XX/XXXX XXXX placed a Hard Inquiry on my credit XX/XX/XXXX XXXX placed a Hard Inquiry on my credit XX/XX/XXXX XXXX XXXX XXXX  XXXX placed a Hard Inquiry on my credit XXXX XXXX  XXXX  XXXX  {$250.00} XXXX XXXX  XXXX  {$20000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collins Asset Group, LLC
State: TX

Complaint narrative:
I'VE BEEN DISPUTING AN ACCOUNT THAT RECENTLY APPEARED ON MY CREDIT REPORT THAT I BELIEVE IS PART OF MY IDENTITY THEFT CASE FROM EARLIER LAST YEAR AND NEEDS TO BE REMOVED FROM MY CREDIT REPORT. IT KEEPS COMING BACK SAYING VERIFIED BUT I DON'T KNOW HOW IF IT'S NOT MY ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Resurgent Capital Services has been attempting to collect on an alleged debt that has already been paid for due to a consumer credit transaction that took place with XXXX XXXX XXXX XXXX XXXX. I am a Federally Protected Consumer and Resurgent Capital Services has violated me in many ways. Resurgent Capital Services is a third-party debt collector. I never gave Resurgent Capital Services written or oral permission to have my information. I have a right to privacy and my privacy has been breached pursuant 15 USC 1692c ( b ). Resurgent Capital Services has furnished information on my consumer report without my knowledge and permission pursuant 15 USC 1692c ( a ). Resurgent Capital Services can not state that such consumer owes a debt 15 USC 1692b ( 2 ). I mailed Resurgent Capital Services a debt validation along with a cease and desist, ( 2 ) Affidavit of Truths in regards to their Violations. I received no valid response. Please see the attached

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 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: GA

Complaint narrative:
I Have been an a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

I want the fraud accounts removed ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
my identity was stolen resulting in fraudulent activities added to my credit file, i am reporting it in hopes of having it corrected at once.

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 2021-02-01 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: FL

Complaint narrative:
Contacted the credit bureau Transunion on XX/XX/XXXX regarding being a victim of their inquiry issue. Customer service refuse to help me remove the unknown inquires. I have listed them below 1. XXXXXXXX XXXX XXXX CREDIT REQUESTED ON XX/XX/XXXX 2. XXXX  Requested on XX/XX/XXXX & XX/XX/XXXX 3.XXXX  REQUESTED ON XX/XX/XXXX 4. XXXX XXXX XXXX REQUESTED ON XX/XX/XXXX & XX/XX/XXXX 5.XXXX XXXX XXXX  XXXX  REQUESTED ON XXXX, XX/XX/XXXX & XX/XX/XXXX 6. XXXX XXXX XXXX REQUESTED ON XX/XX/XXXX & XX/XX/XXXX 7. XXXX XXXX  XXXX  Requested on XX/XX/XXXX & XX/XX/XXXX 8. XXXX REQUESTED ON XX/XX/XXXX 9. XXXX XXXX XXXX Requested on XX/XX/XXXX 10. XXXX XXXX  XXXX  Requested on XX/XX/XXXX 11. XXXX XXXX  XXXX Requested on XX/XX/XXXX 12. XXXX XXXX Requested on XX/XX/XXXX 13. XXXX XXXX Requested on XX/XX/XXXX & XX/XX/XXXX 14. XXXX XXXX Requested on XX/XX/XXXX 15. XXXX XXXX  XXXX XXXX XXXX on XX/XX/XXXX 16. XXXX  XXXX  Requested on XX/XX/XXXX 17. XXXX XXXX XXXX  Requested on XX/XX/XXXX 18. XXXX XXXX XXXX Requested on XX/XX/XXXX 19. XXXX XXXX  XXXX XXXX Requested on XX/XX/XXXX 20. XXXX XXXX on XX/XX/XXXX 21. XXXX XXXX XXXX Requested on XX/XX/XXXX and XX/XX/XXXX 22. XXXX XXXX REQUESTED ON XX/XX/XXXX 23. XXXX XXXX XXXX on XX/XX/XXXX 24. XXXX XXXX Requested on 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 2021-02-01 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: VA

Complaint narrative:
I Have been an a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable and needs to me resolved ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 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: CA

Complaint narrative:
Through multiple attempts to have these accounts verified as accurate, the bureaus have failed to provide me any proof that these accounts belong to me. 

I have stated on several occasions that these accounts do not belong to me and belong to someone with a similar name and I am demanding these accounts be deleted as they are damaging my credit reports, or that the reporting bureau provides proof of verification and accuracy of this account. They have failed to do so. 

Account details : XXXX XXXX XXXX - XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX CA 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 2021-02-01 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: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LJ Ross Associates
State: PA

Complaint narrative:
I have written multiple letters to this company asking them to identify themselves and explain why they are on my credit report, they have not responded. I have rights! The FDCPA and FCRA are both extremely clear! They have to send me information. PLEASE HELP ME!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 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: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
On XX/XX/XXXX my bill for account SYNCB/TJX CO Opened XXXX XXXX, XXXX did not go through when it was on the auto-bill in the bank XXXX XXXX. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment.

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