vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-26 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: EQUIFAX, INC.
State: PA

Complaint narrative:
My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by Equifax Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account : XXXX-Date of inquiry XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureaus are having data and system issues. I decided to look at my credit reports from the 3 major credit bureaus and found that this SW CRDT SYS ( Original Creditor : XXXX XXXX XXXX ) was reporting to be negative on 3 Credit Bureaus. I have disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 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: WA

Complaint narrative:
Experian is incorrectly showing that I have a payment of over {$40000.00} per month!!! When the actual payment is less that {$300.00} per month and I have provided proof of this FACT, this is incorrectly showing my debt to income ratio is over 442 % thereby ruining my credit. All credit bureaus except Experian is showing the CORRECT payment. Its impossible to pay {$40000.00} per month when If owe that total amount. If the Experian credit report was accurate then I would pay {$480000.00} per year!!!!!! THIS IS AN ERROR!!! 
Please show what I pay monthly CORRECTLY. I have a court order proving this point. The next step will be litigation. Why has XXXX  and XXXX  accepted the TRUE facts and Experian has not. Experian is contacting child support and simply asking what they believe I owe but Experian is not accurately show my monthly payment that has NEVER been Late and NEVER been in collections as a missed payment. I DO NOT HAVE A {$40000.00} per month payment!!!!!!! Correct my TRUE monthly payment is all. To make matter worse this reporting is WAY past the statute of limitations and Experian is violating the FCRA

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 2021-07-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: LA

Complaint narrative:
I got sick in XX/XX/XXXX, I wasn't able to pay on my student loans in XXXX of XXXX as a result of my illness. Because of my not being able to pay because of my illness I received late payments of 90 days. I disputed the information on my report with them and they are asking me tp provide proof of my illness and they will remove the negative marks from my report. I don't feel that I should have to send them my medical information for this to be removed. My medical history is protected by HIPPA laws. I would like for the information to be removed. Can your agency have this information removed from my credit report. ED Financial is the reporting agency. In summation when I read the terms of the credit report it states that a negative remark may stay on your credit file for up to 7 years. It doesn't definitively say the negative remark will stay for 7 years it clearly says for up to 7 years. So with that being said it has already been 4+ years on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have sent out mulitiple request showing i have been a victim of identity theft and i have reached out sent out letters with alot of resistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/2021, I apply a Bank of America Credit Card. ( reference number : XXXX ) On XX/XX/2021, Bank of America pulls my XXXX  credit report ( hard inquiries ) required to establish a credit decision. On XX/XX/2021, I received a letter from the credit card institution requesting more information to finalize the credit card application. On XX/XX/2021, I sent the requested information back with certified mail. 
( USPS : XXXX ). On XX/XX/2021, they received the documents : please see attached documents, but fail to process the application immediately ; however, I provide the documents in less than thirty days as requested in the letter. On XX/XX/2021, I received a credit bureau ( XXXX ) alert related to Bank of America Hard Inquiries related to the same application. I believe the second hard inquiry violating the Federal Law for the following reasons. The first inquiries an authorized on XX/XX/2021. The second inquiry, I do not allow for the same application. The bank internally makes second inquiries ; they received all the documents less than thirty-day ( See mail obtained time stamps and USPS evidence ) however fail to process the application as required by federal law.

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 2021-07-26 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: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I just looked at my credit report and saw that I had 5 Inquries pop up on my XXXX  on XX/XX/XXXX, 1 on XX/XX/XXXX, 1 on XX/XX/XXXX, 1 on XX/XX/XXXX and 1 on XX/XX/XXXX. Then on my XXXX  I see 5 Inquries on XX/XX/XXXX. I don't know where any of these inquires came from and they are affecting my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: CURO Intermediate Holdings
State: MD

Complaint narrative:
This has been over 10 years and these people keep contacting me. I have reported then year after year to the FTC, each time a different individual sends me these threatening email. Please see below : CREDITOR : SPEEDY CASH ( XXXX ) CASE NO : XXXX Attention, AMOUNT OUTSTANDING : {$870.00} This Proceeding issued on you Docket No : XXXX with one of XXXX XXXX XXXX Company in order to notify you that after making calls to you on your phone number we were not able to get hold of you so the accounts department has decided to mark this case as a flat refusal and press legal charges against you. 
We have sent you this warning notification about legal proceedings on XX/XX/2020 but you failed to respond on time. Now its high time if you fail to respond in the next 12 HOURS we will register this case in court. Consider this as a final warning and we will be Emailing/Fax this issue to your current employer to make sure they take strict actions against you. Your salary and all your wages are confiscated. 
We will be forced to proceed legally against you and once it is processed the creditor has entire rights to inform your employer and your references regarding this issue and the lawsuit will be the next step which will be amounting to {$8600.00} and will be totally levied upon you and that would be excluding your attorney charges. 
Please let us know what your intention is by today itself so we can hold the case or else we will submit the paperwork to your local county sheriff department and you will be served by court summons at your doorstep. 
This is your last and final chance to settle this case. If you don't take it seriously, we will surely take hard steps against your name and you will be the only person responsible for the legal consequences. 
By electronically signing this Loan Agreement by clicking the " I AGREE '' button below, you are confirming that you have agreed to the terms and conditions of the Consent and that you have downloaded or printed a copy of this Consent for your records. 
IF YOU WANT TO RESOLVE CASE OUTSIDE OF COURT THEN CONTACT TO RESTITUTION DEPARTMENT : - XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by TransUnion. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, TransUnionhas not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX/XXXX  XX/XX/XXXX XXXX  XXXX  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 2021-07-26 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
Hello, I was lied to on XX/XX/2021 by a Target XXXX XXXX XXXX employee during a phone call interaction regarding my account. I asked Target XXXX XXXX XXXX Fraud and Guest Relations to pull and listen to that phone call, so they could see how the employee deceptively had me take actions on my account that did not properly impact my account as she indicated it would. I have my account in a status I did not want, which is due to the interaction with that employee back on XX/XX/2021. Target XXXX XXXX XXXX and Guest relations continue to refuse to help and I've done all I can so far. I also now have a 30 days past due mark on my Credit Bureau reports for XX/XX/2021, which I'm really frustrated about, since I've always maintained 100 % payment history. This is now back to current as of XX/XX/2021. 

This was all caused by a deceptive employee and the interaction whom Target XXXX XXXX XXXX and Guest Relations continue to refuse to investigate further. I've contacted them every few days since this occurred back on XX/XX/2021 to try to have this resolved but, they just continue to refuse to. Please help correct this, since they refuse to assist and this has now impacted my credit payment history from 100 % to 99 %. I take these things very seriously and am very unhappy by the deception and what I would even consider fraud by that Target XXXX XXXX XXXX Employee on XX/XX/2021. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
This servicer paid an insurance bill out of my escrow account on XX/XX/2021 that was not even associated with this property due to their carelessness and negligence. I have repeatedly called them to let them know of this issue, and repeatedly sent them information showing that I never changed my condominium insurance from XXXX. First, they rejected the proof that I submitted showing that I never changed policies. Second, I had XXXX directly update them again that the policy was not changed. Third, they briefly updated this on their system, and then again reverted back to the system showing that I have coverage with XXXX. 

I never had coverage with XXXX for this property. What they did was simply look at the mailing address on the property and paid the premium without taking basic precautions and due care to note that the policy was not even for this property but rather for a property in Virginia, serviced by SLS. I honestly can not fathom this level of carelessness. An escrow account is managed in trust for the mortgagor. By simply skimming through the policy that they paid out they would have noticed that it was neither a policy to insure this property, nor a policy even issued in the State of Florida. 

I went ahead and just paid the escrow shortage of {$560.00} today ( XX/XX/2021 ) that they created because dealing with them has been exhausting. The payment confirmation number is XXXX. Even just getting through to them on the phone is like battling with Goliath since it is an endless maze of options in their phone tree with the sole intent of making it as difficult as possible to get through to an agent. 

When I called and informed them of this issue they said I had to deal with it through XXXX, even though CMC was the entity that negligently paid this premium. It shows even more that they do not abide by basic fiduciary responsibilities of managing an escrow account. 

I am attaching proof of : ( a ) the negligent {$560.00} payment on XX/XX/XXXX ; ( b ) confirmation of the {$560.00} I paid today, XX/XX/XXXX ; ( c ) confirmation of the XXXX policy for this property ( we even had XXXX reissue it as a courtesy to get you all to acknowledge it, but you all still didn't ) ; and ( d ) a screenshot showing that they still display the insurance for this property as being through 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 2021-07-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
after i told them they cant harass me I have not got any bills so today XX/XX/2021 i called to find out why i was not getting my bills i was told that i informed them that they could not contact me so they told me i have to send a letter stating that they can send a bill i told him that no contact dose not mean no bill this is XXXX/synchrony car care all im asking is for them to send my bills

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 2021-07-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
I made a purchase via XXXX for an XXXX on the XXXX of XX/XX/2021. The description says the phone is unlocked but unfortunately its locked and I cant use it. I reached out to the guy that sold it and he told me XXXX come replace it and didnt come and blocked all communications. I can not reach him again. I sent the money via XXXX  of {$230.00}. I reached out to my bank already and they contacted the receivers bank ( regions bank ) but no response yet. How can I get my money? Things are really difficult especially during the pandemic.

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 2021-07-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
At this point this XXXX is XXXX me XXXX! This is my second time sending this XXXX request! This has caused me extreme distress and has prohibited me from purchasing my XXXX  home. I tried calling multiple times to confirm my XXXX  identity and no one XXXX  answers. I am not an unauthorized third party this is XXXX XXXX I have submitted this request 2 times These accounts need to be removed from my account IMMEDIATELY!!

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 2021-07-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Transunion and XXXX  are reporting incorrect information on my credit report. My XXXX ACCOUNT ( charged off account ) was paid in full {$260.00} and it is not past due and they are still reporting it as past due and this is really affecting my credit report. I demand them to delete this information off of my report or update immediately. I have called them several times and put in many disputes. XXXX has updated their information correctly on my report so I have no issues with them. I am concerned about my XXXX  AND XXXX  reporting inaccurate information on my report. This is against the law and needs to be fixed today. This was paid back in 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 2021-07-26 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: FL

Complaint narrative:
I have made several attempts to have accounts that were due to identity theft deleted with resistance.

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 2021-07-26 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 made several attempts to have accounts that were due to identity theft deleted with resistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 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: PA

Complaint narrative:
Hello hope all is well, I was viewing my credit report and notice that I had inquiries that are definitely linked to identity theft. My mind is blown because the amount of inquiries that are on my report are stopping me from helping my mom get the house and a XXXX XXXX to protect her. Ive been trying to figure out how these culprits could have gotten my identity but Data breaches have been happening all throughout different businesses that have personal information. These inquiries are ruining my life. I have been doing research on the law and according to the FCRA all fraud inquiries must be blocked and removed within 4 days. Now I also read on forums that you try to rescind the order but that is a violation because I am a victim and I am letting you know that my information was stolen. You must follow the law that was put a side to protect me and others who have been abused. My life changes when you stand with justice. Please get this off my report right away. I have attached the FTC report with all the inquiries attach to it that must be removed with in 4 days. I also attached proof of my id. & a proof my address with a utility bill. 

God Bless You all.

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 2021-07-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
{$6200.00} USD ; PayPal Posting Date : XX/XX/2020 ; Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation ;. 

I handle business for my company for several months utilizing paypal with no issues. 

At one point my supplier was late sending a product shipment. This cause many people to file complaints. As the products came in a shipped them out ( with tracking ) asap, but many were late. 

About 160 days or so prior to XX/XX/2020 my account was put on hold and I was told I had to wait 180 days to receive my funds. On XX/XX/2020 Paypal neglected to follow through with their original promise and deducted EVERYTHING from my account to credit themselves, unjustifiably. 

I contacted them on multiple occasion and have yet to receive a valid explanation as to why they took my funds and caused my business to fail in the promise

Company response to consumer: Closed with explanation