vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-04 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Home Loan Center, Inc.
State: MO

Complaint narrative:
Lending tree sent me an email after having pulled a hard check on my credit, without my permission, to offer a personal loan. Following the rabbit hole because I did need a loan, I was declined for a lack of revolving credit and a dismissed bankruptcy for 6 years ago, meaning I have never been bankrupt. They should never have made a hard pull on my credit without my permission, they should have never offered a loan based off my credit score that they never intended to follow through with. Their email bombardment offering me loans after I was declined is a slap in the face. They sent me a disclosure after pulling my credit report the first time without permission which I have a copy of and was sent days before I applied.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian, XXXX, and XXXX  violated my consumer rights. See attached letter

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 2021-05-04 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: IL

Complaint narrative:
This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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: GA

Complaint narrative:
I have two accounts that are incorrectly reporting on my Experian credit file. I have disputed them with Experian and they remain : XXXX XXXX ( XXXX ) This debt was cancelled by XXXX XXXX. I have attached a copy of the 1099 showing " Cancellation of Debt ''. I can not pay on this debt. It must be removed from my credit file. I have disputed it with Experian and they did not remove it. 

XXXX XXXX ( XXXX ). This account was settled in full on XX/XX/XXXX according to the attached settlement options. I have disputed this with Experian and they have not removed the balance. The item stopped reporting on my file in 2020 ... so the balance at XXXX is already XXXX. Experian is just failing to update to this XXXX  balance.

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 2021-05-04 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: OH

Complaint narrative:
PayPal close my account for not reason and them will not help me with Getting it back up and going. Every time when I try to withdraw my money from my account PayPal hold my access. 
They just made all difficult for me. My account was already verified with all my personal information and I never made any mistake. 
I never had dispute or charge in my account. I do not know what the problem with PayPal is, but many Users have same problem, and the only answer of PayPal is said was Fraud activity.

IF PayPal just hold money for everybody, I Guess PayPal must fix the problem. 


My email is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Bank of America has been reporting negative information on my credit report for the past couple of years. This account has been closed on my account for years without any verification of the debt being owed. As well as it being on my account for the staute of limitations that an an account can be in an credit report in XXXX XXXX.I have a pulled credit report from XXXX showing that the current dates on my XXXX credit report are totally different.

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 2021-05-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
On XX/XX/2021 I made the payment of the balance on the mortgage of {$43000.00} my normal payment was {$1200.00} I received a statement in XXXX that showed XXXX due but had a loan balance of XXXX so i made that payment of XXXX so there would be nothing left owed. 
late in XXXX i get a call from Shellpoint claiming they are a debt collector and I owe XXXX for the mortgage payment and if I don't pay they will ding my credit. i asked what is my loan balance? she said that's weird its showing you don't have one. i say how do i owe you anything? puts me on hold and said there is a pay off amount to release my title to the home. I say i paid the XXXX she said its more because of late fees. i say how am i late i have paid everything you asked for plus much more. she said she will look into it 2 days later another person calls me again asking for XXXX. I tell her you guys need to get this figured out and send me a bill for whats owed. finally the 3rd person calls me and last day of the month saying i owe the XXXX i said you guys better not be messing my credit up because you cant get your books figured out. i say look at the balance she says oh that's weird ... finally she says i owe XXXX and she can pull the money out of my account. i have all the bills showing nothing is owed and i paid every thing that was on there and can attach the proof. this company is horrible about keeping the records straight and has now caused my credit to drop XXXX points because they reported me late. even though i wasn't. please investigate there has to be many other people that they are taking advantage of because they don't have as good records as i do. also they said i was being recorded each time so please get the conversations and you will see.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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: TX

Complaint narrative:
Inquiries I have no clue of are : XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX- XX/XX/XXXX XXXX-XX/XX/XXXX I already reached out to each to company and all they told me was to contact the credit bureaus to resolve this matter.

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 2021-05-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I have asked LVNV FUNDING LLC. multiple times to provide me with validation of debt for this alleged account. They have failed to respond to me or provide me with anything that I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
A person gets tired of submitting the same complaint to the same reporting agency. Then coming to CPFB to complain about the same credit reporting agency over and over again. My name changed XXXX legally. I currently have a credit freeze on my credit file. How do inquiries get around that credit freeze? By using AKA name. How do I know? I keep getting credit offers made to me in AKA name. 

I just disputed electronically/via internet all those former/now illegal names with TransUnion. Do you know what that did? They took those former names and moved them from current names to AKA category. Former phone numbers that I have repeatedly had removed are magically back in report as well for me to have removed again! Just now. They refuse to remove names while conceding to removing ancient phone numbers. 

Every month XXXX XXXXXXXX has been making inquiries into my credit file via XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, XXXX, VA XXXX under a former name. XXXX XXXX XXXX  has been making credit offers to me using former AKA name. It was revealed to me over the phone they got their information via a credit reporting agency. I looked in fine print of offer and there it was! " ... using the TransUnion XXXX XXXX model ... '' They know better. They know exactly what they are doing. They are working around credit freeze.

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 2021-05-04 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Inquiries I have no clue of are : XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX- XX/XX/XXXX XXXX  XXXX, XXXX I already reached out to each to company and all they told me was to contact the credit bureaus to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Inquiries I have no clue of are : XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX  XX/XX/XXXX XXXX  XXXX, XXXX I already reached out to each to company and all they told me was to contact the credit bureaus to resolve this matter.

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 2021-05-04 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX  Equifax, and XXXX  violated my consumer rights. See attached letter

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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: OH

Complaint narrative:
the last year PayPal close my account for not reason and them will not help me with Getting it back up and going. Every time when I try to withdraw my money from my account PayPal hold my access. 
They just made all difficult for me. My account was already verified with all my personal information and I never made any mistake. 
I never had dispute or charge in my account. I do not know what the problem with PayPal is, but many Users have same problem, and the only answer of PayPal is said was Fraud activity. 
IF PayPal just hold money for everybody, I Guess PayPal must fix the problem. 
after 180 days i want take my money out but I still cant get access my money. 
please I need my money be release is pass 180 days. 

My email is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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: CO

Complaint narrative:
On XX/XX/XXXX I went into a XXXX store to buy a new phone and start new service. When they checked my credit there seemed to be an issue so they had me talk with a person on the phone to verify my identity. He asked me many questions about previous addresses, cars, acquaintances, wife, etc, most of which WERE NOT ME. There was only one question that reflected me " what color was your XXXX XXXX XXXX XXXX. All the other questions had NOTHING to do with me. Because of that, my credit was rejected. I have a credit score of over XXXX, nothing delinquent. I live within my means and do not spend or charge more than I can afford. Now I am worried about identity theft. I have spent most of the day on the phone with XXXX  trying to correct this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
I have attempted to get this account that is listed as two different collections removed for the last 6months. The collection keeps being readded with incorrect dates for the collection. This company is not following regulations please help me remove speedy cash from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
Someone, unknown opened credit cards and accounts in my name and abandoned them with outstanding balances. 

I have provided the credit reporting companies with correspondence from the Creditors ( ie XXXX XXXX, XXXX XXXX, etc ) that confirms the information in their files resulted from fraudulent activity and that the information should be removed from my records. 

Experian in particular continues to report information in my records that is attributable to the fraudulent activity. In addition they report derogatory information about my legitimate credit activity. A recent report to a potential lender stated " proportion of balances to credit limits is too high on bank revolving or other revolving accounts ''. In fact my legitimate accounts are {$0.00}. 

How can I force Experian to report accurately and if they do continue to report falsely how long until the information expires?

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 2021-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
On XX/XX/2021 I paid XXXX dollars to XXXX XXXX  credit card. I paid XXXX XXXX credit card and XXXX XXXX bank credit card at the same time ( both full payment, 0 utilization ) Based on the successful payment to credit card, my credit utilization should be updated and credit scores should be increased by three credit bureaus [ XXXX, XXXX and, Equifax ] ASAP.

But three credit bureaus act slow and maintained wrong amount ( credit utilization rates )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
On XX/XX/2021 I paid XXXX dollars to XXXX XXXX  credit card. I paid XXXX  XXXX credit card and XXXX XXXX bank credit card at the same time ( both full payment, 0 utilization ) Based on the successful payment to credit card, my credit utilization should be updated and credit scores should be increased by three credit bureaus [ XXXX, Experian and, XXXX  ] ASAP.

But three credit bureaus act slow and maintained wrong amount ( credit utilization rates )

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 2021-05-04 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX, Experian, and XXXX are all in violation of my consumer rights. See the attached.

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 2021-05-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC
State: MD

Complaint narrative:
My loan should not have been for XXXX, as I made a XXXX dollar down payment and declined the extended warranty. The dealer was supposed to return those funds to westlake. I never heard of they did or not. Westlake is reporting information incorrectly across all three credit bureaus. They have been reporting me as 90 days late since XX/XX/XXXX, on XXXX there are two payments listed as OK for the months of XXXX and XX/XX/XXXX, but I did not have the car at that time. The last activity is reported on XXXX as XX/XX/XXXX and on XXXX as XX/XX/XXXX, and XXXX has nothing. The closed date on XXXX is XX/XX/XXXX and XXXX/XXXX  is blank. The reporting is a mess.

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 2021-05-04 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA

Complaint narrative:
My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Investment Retrievers, Inc.
State: OK

Complaint narrative:
I could not list all the complaints I have on this company and the employee, but this employee has called numerous times my cell and work phone. This debt was over a repo that was resold a month or two after it was picked up from my possession in XXXX. So this is over 7 years old. He has put a lien on my bank acct and now threatening to call the county that I just purchased my home in and put a lien on my home. He hasn't used bad language, but has talked verbally abusive to me and my boss. Also gave more info ( PHI ) to my boss then need to conduct his work. And I have been off work 3 times without pay for XXXX. I am a frontline worker. The debt that he is trying to collect is XXXX. The lien on my acct was done XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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: MI

Complaint narrative:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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:
I solely contracted with XXXX to provide alarm monitoring service. My credit wasnt great so I had to pay a monthly fee to get the alarm monitoring service ( I have proof that this was my account and that I wasnt given a line of credit ). XXXX a dealer for XXXX accepted my monthly payments initially then XXXX took over. I fell on hard times and could no longer pay for the alarm monitoring service. I was given a letter stating that my monitoring service would be disconnected if I did not pay the monthly fee. I did not pay the monthly fee and my services was disconnected. XXXX, the company I contracted with, sent me a collection letter, but was not authorized to collect in my state for which I timely disputed. 

Last month, XX/XX/2021, Transunion informed me that XXXX reported to them that I had a charge account with them, the account was joint and that it was a utility charge-off. I was never issued any credit nor was I given any terms, apr rate etc ... Further, all of my monthly service statements list me as the responsible customer. Even the XXXX XXXX XXXX XXXX XXXX XXXX, XXXX never listed XXXX alarm company as a utility provider. 

However, XXXX has reported to Transunion that they had issued me credit, and that they were a utility company, a creditor, entitled to report negative information about me without coming to me first so I can dispute any errors.

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