vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-18 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:
I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THERE WERE ACCOUNTS THAT WERE NOT MINE. THERE IS ONE ADDITIONAL ACCOUNT THAT IS REPORTING LATE PAYMENT HISTORY WHICH IS IN ERROR. I WAS NEVER LATE, SO PLEASE AMEND TO SHOW NEVER LATE. 
I HAVE SENT DISPUTE LETTERS ON XXXX-20 BUT TO DATE I HAVE NOT RECEIVED ANY RESPONSE FROM YOUR COMPANY. WE HAVE 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE STATUTES UNDER 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 2020-04-18 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:
I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THERE WERE ACCOUNTS THAT WERE NOT MINE. THERE IS ONE ADDITIONAL ACCOUNT THAT IS REPORTING LATE PAYMENT HISTORY WHICH IS IN ERROR. I WAS NEVER LATE, SO PLEASE AMEND TO SHOW NEVER LATE. 
I HAVE SENT DISPUTE LETTERS ON XXXX-20 BUT TO DATE I HAVE NOT RECEIVED ANY RESPONSE FROM YOUR COMPANY. WE HAVE 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE STATUTES UNDER THE FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: DE

Complaint narrative:
Enhanced Recovery is reporting on my report. I never had a XXXX  cell phone, never received any letter about this. Not my account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18 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: Continental Services Group, Inc. d/b/a ConServe
State: FL

Complaint narrative:
on XXXX i had my credit card theft due to a credit card skimmer. i was in possession of the bank card. I was placed a call to customer services for the detail. while on the phone with the customer rep i was advised of the person with credit card skimmer attempting to use the card in real time ( while on phone with Regions rep ) - I came into the XXXX XXXX Florida Branch to put in a formal complaint and was told the bank manager would open an investigation and follow up with a report pertaining the findings Police Report XXXX case # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18 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: CL Holdings LLC
State: FL

Complaint narrative:
on XXXX- i had my credit card theft due to a credit card skimmer. i was in possession of the bank card. I was placed a call to customer services for the detail. while on the phone with the customer rep i was advised of the person with credit card skimmer attempting to use the card in real time ( while on phone with XXXX   rep ) - I came into the XXXX XXXX, Florida Branch to put in a formal complaint and was told the bank manager would open an investigation and follow up with a report pertaining the findings Police Report XXXX case # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Klarna AB
State: CA

Complaint narrative:
I financed an online XXXX  purchase through Klarna in XX/XX/XXXX. I paid Klarna the {$450.00} balance in full in 6 months. In XXXX the concert was postponed and on XX/XX/XXXX the concert was canceled. Klarna emailed to me a statement showing a {$450.00} credit balance. I called XXXX on XX/XX/XXXX and was told that they would issue a refund by check within 21 days. On XX/XX/XXXX I called Klarna again as I had received no check. Klarna had no record of my prior conversation, so they told me they would send a check. On XX/XX/XXXX, I received a check for {$83.00} ... .not the {$450.00} as shows on my Klarna statement. I have made repeated calls to their customer service number and their non-American based agents are so poorly trained that they can not even understand this very basic series of events. Klarna owes me over {$350.00} and it is impossible to communicate this point to them. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: ID

Complaint narrative:
In XXXX of 2019 we were notified via email that there were upwards of {$2000.00} in charges on our account. The purchases were made online and picked up in person at a XXXX XXXX XXXX. 1. we were out of town then and never ordered or picked up these products. 2. With a pick up order of $ XXXX they SHOULD ALWAYS check ID on the person picking up. 

Obviously we reported these charges as fraud. XXXX XXXX sent it over to their fraud department for investigation. After multiple calls and jumping through hoops they finally agreed that it was fraud, and we were told over the phone that ALL CHARGES WERE DEEMED FRAUD AND ANY CHARGES, AND FEES RELATED TO THE PURCHASES WOULD BE REMOVED. 

We received a letter from XXXX XXXX on XX/XX/2019 saying " We are writing to inform you that we completed the investigation on your XXXX XXXX XXXX Credit Card Account. As a result, we removed the disputed charges and any related fees and interest charges from your account. 

I was so relieved to finally get this letter after getting the go around every time we called them and re-explaining the issue. Such a headache. BUT little did I know even though the letter said it was fixed and that XXXX, Experian, XXXX XXXXXXXX would all be updated. They were not. 

We recently pulled our credit while trying to get a home and THE CHARGES STILL REMAIN AND HAVE NEGATIVELY IMPACTED MY VERY HIGH CREDIT SCORE. I have never had any late payments or anything negative reported on any of my credit cards until this happened. 

I have continued to contact XXXX XXXX and am always given excuses and I swear the call center doesn't even understand what I am trying to explain most of the time. I called today and they are closed due to Covid 19. I have reported disputes 3 times to Experian with proof of my letter from XXXX XXXX. However when they look into it and contact XXXX XXXX XXXX Credit Card they are told, nope! The account is closed but fees and interest rate still applies! I AM NEVER PURCHASING FROM XXXX XXXX AGAIN. THIS HAS BEEN SUCH A HEADACHE AND HAS BEEN GOING ON MORE THAN A YEAR NOW. WE HAVE BEEN MORE THAN REASONABLE BUT NOW THAT IT IS EFFECTING THE LOAN ON OUR HOME THIS IS NOT OKAY! I NEED HELP FIXING THIS FOR GOOD. PLEASE PLEASE HELP! 

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 2020-04-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: First Credit Services Inc.
State: DE

Complaint narrative:
I cancel my gym member ship, and I was still being charge for something I wasnt using. I called explain that I could no longer afford the membership, and XXXX XXXX was still charging me

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: WI

Complaint narrative:
I informed my mortgage provider that I have been unemployed since XXXX and I am unsure when I will find a job due to the covid 19 issue. They sent me a form to fill out which I sent back that stated I am unemployed and asking for assistance. My understanding is that they would provide me a forbearance offer upon receipt of the form. Instead, I am getting mixed messages from their customer service people that is it being worked on and to wait. 

I do not understand what questions could possibly exist in the current circumstances, I would rather dedicate my time to finding a job instead of trying to call them repeatedly.

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 2020-04-18 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
The three major reporting agencies have incorrectly reported my credit information to XXXX XXXX  and XXXX XXXX  companies when contacted about my credit scores & history in XXXX & erroneously reported late payments, etc pertaining to old accounts ( XXXX ) that I previously had filed a chapter XXXX bankruptcy on! XXXX, Experian XXXX XXXX  all participated in this abuse! Although I filed bankruptcy on the accounts listed in my XXXX bankruptcy, I was never late on any payments! A similar report was also filed to XXXX XXXX XXXX as well! These erroneous reports ultimately caused me to refinance my VA  loan at a much higher interest rate than I should have been offered and refinanced at!! I previously filed a complaint against Experian in XXXX for false reporting ( of late payments ) after filing bankruptcy to liquidate the same accounts .Experian admitted guilt, but I now see they're filing fraudulent reports again! This company has been previously fined millions by the U.S. & state governments for these & other abused & recently admitted to sharing Americans credit information with the XXXX XXXX.! I'd like relief from and correction of these false reports & my credit score upgraded accordingly!

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 2020-04-18 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: National Account Systems of Omaha, LLC
State: NE

Complaint narrative:
FRAUDULENT TRANSACTION, NO PROOF OF MY INVOLVEMENT, REPEATEDLY DEMANDED THIS BE REMOVED FROM RECORD, STILL CONTINUING TO REPORT IN VIOLATION OF FCRA GUIDELINES. USING MY CREDIT REPORT AS A MECHANISM TO COERCE PAYMENT ON A FRAUDULENT TRANSACTION.

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 2020-04-18 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: Cornerstone Home Lending Inc.
State: FL

Complaint narrative:
I have been trying to reach Cornerstone Home Lending for weeks in relation to my 4 loans. They REFUSE to get back to me. They have reported one loan as late during COVID which just dropped my score by 70 points. Every loan I have had with them has had issues. They change they payment amounts CONSTANTLY. They post payments wrong and then payments back to me making me late. They have always been impossible but now with COVID they are being totally irresponsible. 

I paid off one loan last week and I need acknowledgement it's been paid off and it needs to get recorded. 

They need to contact me about the loan they reported as late. By the time they got me ANY INFORMATION on this loan, payment amount, account number, etc, it was already two months past when the first payment was due. They need to contact me. I sent a certified letter. I have sent 4 emails. I have called 50 time and nothing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
Today after reading terms and conditions and description for which criteria is used to determine eligibility for the Citi Simplicity Card I was immediately declined and an inquiry popped up on my XXXX report account when the website clearly says they use XXXX, which is why I thought I had better odds in applying. They also didnt allow me opportunity to share balance transfer requests as advertised. I suggest they reconsider my application using XXXX as they stated in writing on website and/or remove XXXX inquiry from my report. Thank you in advance, respectfully.

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 2020-04-18 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:
The following shows several accounts that's been opened under my name and social security number as a result a fraud! TransUnion have been reporting these negative remarks on my credit profile and its affecting my life. 

Creditor : XXXX XXXX XXXX XXXX Condition : Derogatory Balance : {$540.00} Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Remarks : Placed for collection Creditor : XXXX XXXX Condition : Derogatory Opened : XX/XX/XXXX Reported : XX/XX/XXXX Original Balance : {$1200.00} Current Balance : {$0.00} Creditor : XXXX Condition : Derogatory Original Balance : {$0.00} Current Balance : {$1300.00} Condition : Derogatory Opened : XX/XX/XXXX Reported : XX/XX/XXXX Also, follows are a list of unauthorized hard inquires : XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX 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 2020-04-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
This involves a fraudulent sale ( scam ) enabled by PayPal. 
My dispute stems from a sale of merchandise through XXXX ; two very expensive speakers were sold to a person using XXXX ; this person paid for them using his credit card and PayPal. He then arranged for XXXX to ship them from my location in California. 

They were allowed to ship shortly after the payment cleared PayPal ; the full sales price of {$1600.00} was paid on XX/XX/XXXX. The funds were held by PayPal until XX/XX/XXXX, at which time the funds were released to me. I then released the merchandise to the Buyer who then transported the speakers to XXXX XXXX and subsequently out of the country. 

Approximately two months later, Buyer filed a claim with XXXX claiming speakers were damaged in shipping ; the claim was denied ; the Buyer then filed a claim with XXXX, which was denied ( Buyer refused to return speakers ). Subsequently Buyer contacted his bank/credit card company and was ultimately successful by making a false claim as to their condition. PayPal notified me of this claim on or about XX/XX/XXXX and requested documentation that could be used to refute the claim. Documentation was sent immediately. On XX/XX/XXXX, PayPal informed me that the Buyers bank/ credit card company had sided with Buyer and my PayPal account was now " negative '' and to immediately add funds to cover the negative balance. I had heard nothing, nor been notified of any ongoing discussion. On XX/XX/XXXX, I spoke to the PayPal Resolution department ; they agreed the merchandise needed to be returned. On XX/XX/XXXX, the PayPal collection department called demanding payment and to deny me any further assistance from them. On XX/XX/XXXX, I called PayPal collection and was transferred to the Dispute Department after thirty minutes on hold the call was terminated ; no one answered in the Dispute Department. 

The merchandise remains in Buyers possession as of this date, XX/XX/XXXX. Buyer is non-responsive and refuses to return merchandise. PayPal refuses to either pursue a remedy with, or release the name of the institution used by Buyer. PayPal, acting in bad-faith, has apparently washed its hands of this matter. 

Lastly, I believe this transaction is a scam. The XXXX purchase was without negotiation, in fact, Buyer was offered a {$100.00} discount because of a supposed " double sales tax, '' issue, which Buyer ignored, completing the sale at full price. I have attached photos of the speakers both with and without grills for your information. 

Additionally, I have filed a Police Report regarding this fraudulent sale ( theft ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-18 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: CAINE & WEINER COMPANY, INC.
State: NE

Complaint narrative:
CONTINUING TO FURNISH INVALID, INACCURATE AND/OR OUTDATED INFORMATION ON MY CREDIT REPORTS. PROVIDING FALSE AND MISLEADING REPRESENTATION UNDER FDCPA AND FCRA GUIDELINES.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: SC

Complaint narrative:
IC Systems has been reporting an account for XXXX XXXX. I had paid my XXXX bill the XXXX took over never signed a contract with XXXX XXXX. Could not pay my bill only in person once it was late and I was in South Carolina and Storage Unit was in XXXX. Could never get a hold of anyone to pay. Ended up selling unit in XXXX and are trying to charge me storage rent when I never signed a contract with them and I do not owe what they say I do. IC Systems can never get anyone to answer the phone the website always says its being updated. So cant get a hold of anyone to correct the error

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 2020-04-18 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:
I applied for an XXXX XXXX credit card today XX/XX/2020 and I was not approved. I called to ask for the reason why I didn't get approved and they told me that it was because there were three accounts that were maxed out on my credit report and some inquiries ; I had no idea what they were talking about since I barely use my credit cards but after looking through my credit report I saw those accounts and none of them belong to me. I did not open those accounts and I have never allowed anyone to open those accounts in my name. I do not have any written/verbal contract with those companies and I have never gained anything from those accounts such as money, goods, services or any other benefit nor have I ever made any payments towards any of those accounts. I filed a police report as soon as I found out about these accounts as well as a complaint with the Consumer Financial Protection Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Ability Recovery Services, LLC
State: SC

Complaint narrative:
This company has been trying to get XXXX dollars for something that I never had. I reported it to the credit bureaus 5 years ago and had it removed, now its back. Its for some sort of online school. Every month they are reporting it as a charge off. The collection was just open on my report again on XX/XX/2020 2020

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 2020-04-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: SC

Complaint narrative:
Is showing 90 days late XX/XX/2017 when was on deferment from XX/XX/2017 to XX/XX/2017 so a payment would not have been due so how can I be late? Also shows I paid XX/XX/2017 so how could I be 90 days late for XX/XX/2017?? This is keeping me from buying a house.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18 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: PA

Complaint narrative:
The following shows several accounts that's been opened under my name and social security number as a result a fraud! XXXX  have been reporting these negative remarks on my credit profile and its affecting my life. 

Creditor : XXXX XXXX XXXX XXXX Condition : Derogatory Balance : {$540.00} Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Remarks : Placed for collection Creditor : XXXX XXXX Condition  : Derogatory Opened : XX/XX/XXXX Reported : XX/XX/XXXX Original Balance : {$1200.00} Current Balance : {$0.00} Creditor : XXXX Condition : Derogatory Original Balance : {$0.00} Current Balance : {$1300.00} Condition : Derogatory Opened : XX/XX/XXXX Reported : XX/XX/XXXX Also, follows are a list of unauthorized hard inquires : XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation