vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-10 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: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
Ally Financial has misrepresented me on a loan for a vehicle that was never purchased because of demands made to falsify vehicle residency on the title. Ally has inquired into my credit several times. Increasing the number of hard inquiries and decreasing my score.

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 2021-11-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Stillman, P.C. d.b.a. Stillman Law Office
State: NJ

Complaint narrative:
I received a debt collection letter from Stillman Law Office for a debt that is not owed. When I contacted Stillman Law Office to dispute the validity of the debt collection, they were rude and would not continue the phone call. This is an apparent fraudulent company and they should not be allowed to cheat innocent people. 

I have confirmed with my medical insurance as well as the medical provider that these monies are not owed nor was my file sent to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This is a written communication from a consumer or natural person pursuant to 15 U.S.C. 1692a ( 3 ).

I have discovered that Transunion has been furnishing a consumer report which contains factual information and information alleging I owe debts that have not been verified. Pursuant to 15 U.S.C. 1681a ( e ) it is a violation for any consumer report which is an investigative report, to contain any factual information.

Pursuant to 15 U.S.C. 1692g ( b ) the alleged debts in the consumer report furnished by Transunion must be verified by a judgement from a court of competent jurisdiction stating that I owe a debt. Transunion and or any other debt collector has not provided verification stating that I owe a debt.

I have not given any debt collector prior consent to communicate with me about any information that is in connection with the collection of any debt. Any person communicating with me about any debt is in violation of 15 U.S.C. 1692c.

Thank You.

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 2021-11-10 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: NY

Complaint narrative:
I sent plenty of disputes to Experian about the account of XXXX XXXX XXXX XXXX XXXX XXXX I was sick of pre XXXX when this account was open, I didnt open this account XXXX  XXXX never sent me a contract with my signature of the agreement or contract they just say that was open online I didnt open this XXXX XXXX account When I was sick many people have access to my personal information This account of XXXX XXXXXXXX must be remove immediately from my Experian credit report

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 2021-11-10 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: FIRST PORTFOLIO SERVICING INC
State: PA

Complaint narrative:
As of my last ability to contact Peaks Loan ( powered by first associates ) I had a balance on my account XXXX of {$3300.00}. I have been trying to receive payoff information or account information as my loan was under the predatory institution XXXX XXXX XXXX but the phone number XXXX is no longer active. I can not log into the site. I attempted to call the only working number for the portal account ( after clicking " My Account '' ) on XX/XX/2021 at XXXX and was told my loan was changed and given the peaks disconnected number again. When I told them the number did not work they gave me the number for CFPB ( 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 2021-11-10 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: MI

Complaint narrative:
Before the state of Michigan was closed due to the pandemic caused by COVID-19, every financial obligation I had was paid on time as my credit records reflect. However, during the pandemic, no one was working and afterwards because of health complications ( XXXX, XXXX, XXXX XXXX ), my physician ordered me to refrain from working due to concerns about contagion as I am XXXX and my profession is XXXX. 

I paid all debts as expected during the pandemic except unsecured credit cards. I sent letters to all creditors in this group explaining my situation and requesting forbearance or settlement of the debt at a lower amount. I settled 4 debts. Two refused a settlement and sent my record to collections.

My current issue that is unresolved : Despite paying my debt obligations on time every month-religiously, my credit scores continue to fluctuate. One day the amount is XXXX, the next day, it drops to XXXX or something like this every day. I am monitoring it because I will be moving and will need an accurate credit score reflecting my history of paying debts. 

I have tried credit repair bureaus and have sent numerous documents to all three credit reporting bureaus that included-in the case of XXXX XXXX  credit card-proof that we settled the account, but somehow incorrect or punitive information is reported about me and threatens my ability to lease or purchase a home.

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 2021-11-10 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: CT

Complaint narrative:
I have spoken to FedLoans multiple times about incorrect payments for PSLF. I requested recount 2 years ago and received an email on XX/XX/XXXX but many of the payments were still incorrect. I asked for a new recount on XX/XX/XXXX, and still have not received this. Many of my loans had bills created without credit given making my PSLF counts discrepant. All were paid via automatic direct deposit with some loans being credited and others not. Further, I was put into deferment by XXXX XXXX against my request, and payments from XXXX - XX/XX/XXXX have variable counts across my 13 different loans. I would like this explored and payments to retroactively count for PSLF.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP
State: AL

Complaint narrative:
In XX/XX/2021, our mortgage payment was {$1500.00} instead of the normal {$1100.00}. I paid it and thought it was the difference for insurance. XXXX came around and it was high again. After tons of call and inquiring, they filed my property tax incorrectly. I got the necessary paperwork to them. They told us to use the 15 day grace period to allow them to correct the numbers and pay our mortgage. They say we will owe {$1500.00} this month. We should get a lower payment plus last months overpayment reimbursement. Ive called 29 times. Ive been told to shut up, Ive been hung up on 5 times. I get told different things every time. No one knows what to do or how to help. They just say pay the {$1500.00} and they will fix it. I need to know what happened to the {$600.00} escrow check they sent out, when it will be fixed, and to be certain it wont reflect on my credit score. Most unprofessional company Ive ever experienced.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 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: Regional Management Corporation
State: GA

Complaint narrative:
I need your help, I noticed incorrect information being reported on my credit. From my understanding by law, you guys are supposed to report accurate information and your not. Please investigate these accounts for Maximum accuracy the remove NOW! Without permissible purpose anything on a clients consumer report without permissible purpose is considered identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 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:
On XXXX XXXX, 2021 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. II feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My personal information was used to open credit and debit accounts. My previous address is currently residential care facility and fraudulent mails was sent to that previous address that I dont have access anymore.

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 2021-11-10 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:
This is a written communication from a consumer or natural person pursuant to 15 U.S.C. 1692a ( 3 ).

I have discovered that Experian has been furnishing a consumer report which contains factual information and information alleging I owe debts that have not been verified.

Pursuant to 15 U.S.C. 1681a ( e ) it is a violation for any consumer report which is an investigative report, to contain any factual information.

Pursuant to 15 U.S.C. 1692g ( b ) the alleged debts in the consumer report furnished by Experian must be verified by a judgement from a court of competent jurisdiction stating that I owe a debt. Experian and or any other debt collector has not provided verification stating that I owe a debt.

I have not given any debt collector prior consent to communicate with me about any information that is in connection with the collection of any debt. Any person communicating with me about any debt is in violation of 15 U.S.C. 1692c.

Thank You.

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 2021-11-10 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: GA

Complaint narrative:
I am very upset with this issue. I sent a letter to the credit bureau regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 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: MUFG AMERICAS HOLDINGS CORPORATION
State: CA

Complaint narrative:
There was a charge to my checking account at Union Bank but I do not recognize the name nor the amount. It appears to be from a company in XXXX and looks like an annual fee of {$99.00} dlls. Ive done a XXXX search for it but came back empty, no information was found. 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 monetary relief
Consumer complaint received 2021-11-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
I requested hardship assistance because since graduation from University in XXXX it has been rough without the XXXX in student loans I received annually. I called on XX/XX/XXXX and was told there was a plan available but I had to miss my payment again and we decided I'd call back XX/XX/XXXX.. When I called today that hardship arrangement meant closing my account AFTER I pay in full. The " help '' means a dramatic hit to my XXXX score, as any help they offer means closing the account after they are paid in full. They set me up to fail on the XXXX call, and when I held up my end of the bargain today and called them, they informed me it meant closure of the 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 explanation
Consumer complaint received 2021-11-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
My load had been in the Forbearance Suspension. I had missed a few payments but resumed with payments during this time. The suspension ended XX/XX/XXXX ; however, Wells Fargo had been pushing me to do a COVID relief loan for the amount owed even after I told them I was not interested in workout options. I told they I wanted to pay my balance on XX/XX/XXXX and it took them until XXXX to remove my file from their Home Preservation team. In the interim several payments had been made include a payment of {$15000.00} made on XX/XX/XXXX, which set on my account for two weeks unapplied. As of my recent statement there still appears to have unapplied payments. My outstanding balance at the time the {$15000.00} payment was made was {$220000.00}. This payment should have brought my balance to {$200000.00}. In a letter dated XX/XX/XXXX, they said I owed, {$17000.00}. I also noticed property taxes had been paid but I don't think it was paid from the Escrow account as it should be. I do not feel Wells Fargo has applied my payments correctly and now saying I still owe {$5600.00} when I paid $ XXXX of the $ XXXX they said I owed to bring my account current and now wanting to accelerate my loan to foreclosure requesting this amount be paid by XX/XX/XXXX. I want a full ledger of my account. I would also like to receive a ledger of the custodian accounts ( T & I ) and Escrow accounts to be reviewed by my personal attorney.

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 2021-11-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: OR

Complaint narrative:
I requested several times to get an estimate for escrow/title fees. I never received anything. Final documentation listed these under " Borrower did not Shop, '' which is not true. In the end I was under the gun and forced to go with lender 's preferred title company in order not to delay closing and risk losing the loan/rate altogether.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Adjustment Corp. of S.W. FL., Inc.
State: FL

Complaint narrative:
This debt was already paid by the insurance company. I was applying for a credit card and the credit line was declined due to the negative factor on my credit report. 
This is how appears on the XXXX credit report. 
" Paid, was a collection account, insurance claim or government claim or was terminated for default Status date XX/XX/2019 Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Google Compare Credit Cards Inc.
State: CT

Complaint narrative:
My debit and credit cards that are attached to Google Play has been used to make unauthorized charges within several apps. I do not know who utilized my cards but the transactions were NOT authorized by me. I have tried contacting Google in regards to these unauthorized charges that date from XX/XX/XXXX all the way to XX/XX/XXXX. They have denied my claim on multiple occasions. These charges stem from people that reside all the way in XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 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: FL

Complaint narrative:
I the consumer and original creditor XXXX XXXX sent letter to credit reporting agency in regards to not having any written consent to report anything on my consumer report. Under 15 U.S 1681b- Permissible purposes of consumer reports In General Subject to subsection ( C ) any consumer reporting may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. 

No consent is Identity Theft. I demand that these account and inquiries be deleted from my consumer report immediately. 

Account Account Number US Dept ED XXXX XXXX XXXX XXXX Inquiry Inquiry Date XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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 non-monetary relief
Consumer complaint received 2021-11-10 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:
This is a written communication from a consumer or natural person pursuant to 15 U.S.C. 1692a ( 3 ).

I have discovered that Equifax has been furnishing a consumer report which contains factual information and information alleging I owe debts that have not been verified.

Pursuant to 15 U.S.C. 1681a ( e ) it is a violation for any consumer report which is an investigative report, to contain any factual information.

Pursuant to 15 U.S.C. 1692g ( b ) the alleged debts in the consumer report furnished by Equifax must be verified by a judgement from a court of competent jurisdiction stating that I owe a debt. Equifax and or any other debt collector has not provided verification stating that I owe a debt.

I have not given any debt collector prior consent to communicate with me about any information that is in connection with the collection of any debt. Any person communicating with me about any debt is in violation of 15 U.S.C. 1692c.

Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
My father tried to send me {$500.00} on Venmo so that I could purchase a laptop from XXXX. We had been talking about this for awhile. I made a venmo account specifically for this reason and as soon as he sent venmo froze both mine and his account. His account had a few thousand dollars in it because it was his business account. I have tried reaching out, called multiple times and I finally got someone to explain that the reason they did it is because we used the word " laptop '' on what the money was for and unfortunately the person that told me that ( venmos SUPPORT DEPARTMENT ) had no ability to do anything about it ( he told me so ) its completely in the hands of the " account specialist '' that you conveniently can not call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Google Compare Credit Cards Inc.
State: MD

Complaint narrative:
I keep getting a scam note using Google pay plus XXXX XXXX on the account that I never had or issue. It believe to be a scam from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 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: Exeter Finance, LLC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX My Account was closed by XXXX EXETER FINANCE LLC then reopened with XXXX XXXX, My payment history is incorrect, therefore damaging my credit score

Company response to consumer: Closed with explanation