vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-16 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: CA

Complaint narrative:
I had a XXXX XXXX XXXX XXXX loan number XXXX for a XXXX XXXX XXXX XXXX. The car was involved in a total loss collision. Mi auto insurance company XXXX paid me and XXXX  accordingly. The car was paid off with XXXX for the amount of {$7900.00}. I've got the confirmation letter from XXXX attached to this claim and dated XX/XX/XXXX But as today that paid off amount is still showing as a balance in the three credit bureaus and as an open account affecting my debt ratio and my credit score. 
I have already talked to two representatives from XXXX XXXX XXXX XXXX about this issue and they both told me their Credit Reports Department will take care of it. But nothing has changed and due to my bad experience with XXXX XXXX and their bad reputation I am requesting the CFPB for help with this issue

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 2020-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
my primary name is wrong and a alias name that I never used and is not me and 2 previous addresses that I never lived at are wrong

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 2020-12-16 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: CA

Complaint narrative:
Equifax is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: ID

Complaint narrative:
Opened a new Citi bank checking account. Everything seemed to be ok. Received a welcome letter and got online access. 
Transferred funds from another US located credit union. 
Two days after opening an account, it got locked by the fraud department. 
The bank refuses to resolve over the phone. Citi bank sends a paper mail asking for some information, not telling what is in the letter. 
It is a holiday season, and I am out of town. As the result I am locked out of my funds for the next two weeks of the holiday season. 

Nothing was done on my side to trigger the lock. 

Citi bank refuses to provide any compensation for such inconvenience.

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 2020-12-16 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: Portfolio Recovery Associates, LLC
State: MN

Complaint narrative:
Dear Portfolio Recovery Associate, I am writing to dispute the following information that appears on my [ XX/XX/XXXXor XX/XX/XXXXor XX/XX/XXXX] consumer report : Dispute-1 : Account Number or other information to identify account : XXXX, Source of dispute information : Fico 3b Report Type of disputed information : Fraudulent Account, Identity Theft Dates associated with item being disputed : XX/XX/2019, Explanation of item being disputed : o I am the victim of identity theft and I do not recognize one or more of the accounts on my report. I have notified Portfolio Recovery Associates on three separate occasions. As well as providing them with a police report and they have refused to remove the item. They continue to report false, balances, Dates, and other information to retaliate for my disputes. 
o This is the second time I have dealt with Portfolio Recovery Associates. The had an item under my name that was not mine. The owner of the company wrote them a letter explaining I do not owe a debt. They would not remove the debt, even crank calling me saying they were going to Kill my mother. In retaliation for filing complaints against them. They called me 15 times in one day. It was only when I started the process to sue them in civil court. That they stopped but falsely reporting the debt. Now they are trying to do it.

Resolution : Remove Debt From all three Credit Reports. If this dept is not remove I am going to sue for the harassment, Stress and financial damages directly cause by the action of Portfolio Recovery and its associates. I will seek punitive damages for each year this item was reported. Along with the loss of income with increases due to this false report. 


Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CAINE & WEINER COMPANY, INC.
State: AZ

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. XXXXeporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 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:
Transunion is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.

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 2020-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.

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 2020-12-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
I have followed the proper protocol in regards to collection agency reporting false information to the credit bureaus that hurting my credit score tremendously. I have requested validation of debt from professional debt numerous times but the debt buyer has responded back by spending Invalid lease from the original creditor XXXX XXXX thats nothing of the amount of their are attempting to obtain. I am requesting the proper documentation the dates & signatures of the lease that shows im obligated to pay this debt. Some old documentation were mailed to me that didn't show the proper lease or why that amount is required. I need this to be remove from my credit immediately or ill seek legal action against this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/2020 I went through Pay Pal to make the final payment on a work of art jewellery XXXX from XXXX XXXX plus shipping final payment is XXXX which they have put on hold because they want my selling information such as shipping and delays info on my products. I do not sell any items ship or otherwise-I have told them at pay pal PayPal , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX many times I can not make them understand, customer service tells me that they can do nothing until I submit what they want And I Can not, I Do Not Sell on pay pal!!! the records on my account show only outgoing payments no inbound- can they not read? this is harassment! I want that payment sent. this is what they send me and I tell them I do not sell on pay pal You can include the following info as notes to help us understand your account activity better. 
A detailed description of the items you've sold. 
How you ship your products including information on delays. 
Any information on the products you sell and how you sell them. 
Transaction Amount : {$XXXX} Transaction ID XXXX Date of Transaction : XX/XX/2020 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I don't know anything about this account and would like if you can send me any type of proof or information which shows that I owe this money and who I owe it to? I want you to mark these account as disputed because I do not know anything about this account.

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 2020-12-16 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: AMERICAN EXPRESS COMPANY

Complaint narrative:
I paid for a trip to XXXX through XXXX XX/XX/XXXX to travel XX/XX/XXXX to XXXX, XXXX in full on my American Express. I arrived XX/XX/XXXX and left 2 days early due to the pandemic. XXXX XXXX went bankrupt XX/XX/XXXX and when I went to check out I was to I had to repay, they would not let me leave without paying. I have tried to dispute XX/XX/XXXX and was declined because it is now outside of time for dispute yet I filed day after I returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 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 don't know anything about this account and would like if you can send me any type of proof or information which shows that I owe this money and who I owe it to? I want you to mark these account as disputed because I do not know anything about this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
Applied for a HAMP loan modification with Nationstar in XXXX of XXXX. After one year of resending documents was approved in XXXX of XXXX. Was not notified by mail, found out by following up almost lost my opportunity due to limited time frame for acceptance. We were not approved for the HAMP XXXX XXXX which we were qualified for ( in mortgage business for 30 years, I knew how to calculate qualification ), was approved for XXXX XXXX which made a modification payment much higher than should have been, also took away qualification for a better modification on second mortgage with XXXX XXXX  XXXX. 

I had asked for an escalation with agency that monitored modifications, they could not help as the problem with my qualifying had to do with escrows being adjusted the day before modification and underwriter from XXXX included escrows ( past due 60 days ) in monthly payment. I had called customer service and was informed my modification was sourced out to XXXX as with others. 

I then filed a complaint to Consumer Financial Protection bureau twice, no response. 

I had not been notified that such a suite was pending, if I would have know, I could have submitted proof via documents saved. I did not file a lawsuit as I did not know if an Attorney would accept on contingency, since this was so unusual and unprecedented. 
Now I believe I may not be able to as Statute of Limitations may have passed.

Since modification, my mortgage note did not disclose borrower incentives that I would receive. It has now been 5 years and I still can't get an answer or anything in writing describing incentives, reading guidelines I think after 5 years of payments, I should receive my XXXX towards principal in the XXXX year, but I'm not sure. 

Recently I am having an issue with escrow collection, I paid XXXX in escrow last year when my taxes were only XXXX. This years escrow analysis has me short XXXX each month, with no accounting for extra tax escrow payment I made. 

So, I know that restitution is required by Nationstar in fines and to affected borrowers as of this months Court case in the District of Columbia. Since I filed complaints am I eligible for restitution or a proper modification? I have all correspondence, several boxes. Including proof of complaints to CFP. 

Second, I need help getting answers to borrower incentives that I may becoming entitled to. 

Third, I have sent XXXX, who is now apparently doing Nationstar ( Mr. Coopers ) escrow analysis all documents. I have little faith that this issue will be resolved in a timely matter or at all. 

Please Advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: U.S. BANCORP
State: MA

Complaint narrative:
My name was legally changed in XXXX. I have been trying for months to get Fidelity to change my name on my credit card. All of my other credit cards updated my name long ago. I also asked them to please address me by my correct name in our correspondence, since it's rude and hurtful to call me by the incorrect name. 

They persist in addressing me by the wrong name in correspondence despite my requests. This is especially frustrating because our correspondence on this issue has dragged on for months at this point. There is no good reason for them to use the wrong name when messaging me once I have pointed out that it's inaccurate and hurtful. 

Additionally, they have not provided me with the means to change my name. They first told me I would need to fill out paperwork they sent to me in the mail. It took about a month for the paperwork to arrive at all. I sent it back immediately and then they sent me a new credit card with my old ( incorrect ) name on it. 

When I followed up with them about why they sent me a new credit card with the incorrect name, they informed me that I hadn't provided evidence of a legal name change. They had not previously requested such legal evidence, despite the fact that we had been corresponding for 2 months at this point. I had filled out the paperwork they sent me about a month prior, and that paperwork never made any mention of wanting legal evidence of a name change, and therefore also didn't describe what they would accept as legal evidence of a name change. I've attached here a photo of the paperwork they sent me ( by mail, with about a month 's delay after I requested the name change ) and that I completed related to the name change, which demonstrates that they did not request any legal evidence or describe what such evidence might entail.

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 2020-12-16 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: NY

Complaint narrative:
On XX/XX/XXXX, I asked XXXX, Experian and XXXX to verify two accounts ( XXXX XXXX and XXXX ) that were reporting inaccurately. They responded on XX/XX/XXXX stating that the Original credit, past due, terms and rating were updated on the XXXX Account for XXXX and the XXXX   account remained the same. 

I then responded on XX/XX/XXXX to XXXX, Experian and XXXX because XXXX was still reporting inaccurately with three different months for the same late payment. XXXX reported XX/XX/XXXX, Experian listed XX/XX/XXXX and XXXX reported XX/XX/XXXX. XXXX  has since removed the late payment, however, it remains on Experian and XXXX. If the same creditor is verifying payment history on the account to all 3 of these bureaus, then how can the dates be different across both bureaus? 

I also responded to on XXXX XXXX to the XXXX account still reporting inaccurately with different dates of last activity. XXXX has it listed as XX/XX/XXXX, Experian has it listed as XX/XX/XXXX and XXXX has it listed as XX/XX/XXXX Again, how can these dates be different if the information is being verified with the same creditor? 
The bureaus responded and XXXX is still reporting with different date of last activity as XX/XX/XXXX for XXXX, XX/XX/XXXX for Experian and XX/XX/XXXX for XXXX which is inaccurate.

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 2020-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Transunion. 


1. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2019 -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2019 -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX Inquiry Date : XX/XX/2019 -Unauthorized inquiry by Identity Theft 4. Company Name : XXXX XXXX Inquiry Date : XX/XX/2019 -Unauthorized inquiry by Identity Theft

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 2020-12-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
I am financing a 2019 XXXX XXXX I purchased from XXXX XXXX in XXXX. My contract and vehicle have the correct VIN but XXXX XXXX who did the financing has a completely different VIN listed. I have contacted them several times only to get no resolution. I am told I can not speak to a manager and managers can't call out or email to customers. I am paying for a vehicle that does not match the vehicle I am driving. The VIN on my contract is the VIN of the vehicle I am driving. I am in financial hardship and need to sell the vehicle ASAP.

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