vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC
State: IL

Complaint narrative:
American Coradius International LLC sent me a debt collection notice for their client XXXX. I do not have a XXXX account, never did, and never buy anything that would offer an option of XXXX. The amount is {$110.00}. There is no date of transaction or description of item purchased. This is the first notice I have of this " debt '', having never received a phone call or bill from XXXX. It went directly to a debt collector. " If I act before XX/XX/2020, they will accept {$88.00}. '' I tried calling XXXX, but they have no phone customer service " because of the corona virus ''. I went to their website, but can not get past the first screen which asks for the member 's account No. and password. I have no account number. That is the problem. When I XXXX ACI debt collection company I saw similar complaints about this debt collector and XXXX. The address of ACI is XXXX XXXX XXXX, XXXX, TX XXXX. XXXX was started by XXXX XXXX of course. I have reported this problem to U.S. Senator XXXX and state senator XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 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: National Credit Adjusters, LLC
State: WA

Complaint narrative:
This account that I am reporting was originally a short term payday loan I am a Washington State resident I went to Oregon state got a pay day loan for {$350.00} And some unexpected things happened and it wasn't paid then this account was added to my credit report which the original contract at that time did not state anything about Credit reporting the original company is called XXXX XXXX then just recently it was sold off to a company called NATIONAL CREDIT ADJUSTERS LLC This company never ever notified me of anything that they had purchased the account they never sent anything in the mail stating that they were going to add this account to my credit report there was no communications I had contacted XXXX XXXX collections department and asked them what happened and they referred me to the 3rd party company that has obtain the Debt And because of this tough time with covid19 Money is tight I had used Part of my stimulus money to pay this in full.. On XX/XX/XXXX it was paid in full Originally when I had contacted XXXX XXXX I had a verbal conversation and I told them if I was able to pay this account in full would they be able to contact the 3rd party debt collector and tell them to remove this off my credit report and they said yes but they said I have to contact national credit adjusters They referred me gave me the number I spoke to to people that day the 2nd person I had set up the payment it was processed and they have no other reason to report this on my credit report I have submitted multiple disputes and nothing has changed I have provided documentation to the credit bureaus supporting all the information is true that I gave from me contacting the original debt collector which was XXXX XXXX then they referred me to the other company to pay it and they are refusing to take it off and this is a big problem specially in This time of need because I have other bills that I need help with and this sitting on my credit report is really badd when it was added to my credit report my score went down Big time All I'm trying to do is get this removed and move on with my life because I did not receive any notifications from this company no phone calls no emails no nothing up until I contacted them pay them in full So if we can get this fixed that would be nice

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 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've been dealing with this issue from my identity case for several months now and i'm not getting any help from the credit bureaus. I'm trying to help support my family but these accounts are stopping me from buying my family a new home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 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:
I've been dealing with this issue from my identity case for several months now and i'm not getting any help from the credit bureaus. I'm trying to help support my family but these accounts are stopping me from buying my family a new 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 2020-05-12 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: Radius Global Solutions LLC
State: TX

Complaint narrative:
I have been in contact with a debt collector, Radius Global Solutions, regarding incorrect information that was reported to the credit bureaus. I received confirmation on XX/XX/XXXX that Radius Global was in receipt of notice to delete collection due to a mistake made by the original creditor XXXX. 

I am in a dyer financial situation from the pandemic and am in need of financial assistance via bank loan which I would be able to receive but for the 200 point drop on my credit report resulting in what Radius has confirmed verbally is knowingly incorrect however they are unwilling to provide a letter stating same so I can expedite the correction of this slanderous reporting of which Radius has agreed should be corrected. 

I have been in daily communication with the below Department Supervisor only to be led along with delay tactics to correct this wrongful reporting : XXXX XXXX Radius Global Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX Direct ( XXXX ) XXXX Fax ( XXXX ) XXXX XXXX Email chain attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have contacted the following companies numerous times and filed a claim with XXXX  and TransUnion. I have contacted XXXX  XXXX to inform them my score is incorrect and this problem has not been resolved. XXXX   XXXX has not contacted either XXXX  or TransUnion to my knowledge. My card balance for the account ending in XXXX is {$1300.00} and balance for the account ending in XXXX is {$660.00} as of today XX/XX/20. I have made previous payments on both accounts to lower the balance over a month ago and have filed a previous claim. I have made sure to keep the balance low. We are trying to buy a home and are having an issue getting a non FHA loan because my score wont update due to my account balances. Thank you for your time hopefully they can resolve this.

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 2020-05-12 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my 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 2020-05-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I own a XXXX XXXX which was completely shut down due to the Covid pandemic. When the situation began I immediately contacted my mortgage company in XXXX. I did not hear back for weeks - ONLY AFTER I filed a complaint with your office and the company was forced to respond. A 3 week forbearance was granted to me in late XXXX as a result. Today I received a new letter from the company threatening me once again with credit report damage and foreclosure if I do not pay. They are telling me I am over 45 days late when I have a forbearance agreement. This is not fair and not legal. I've contacted them to tell them so and am filing this complaint with you because I do not trust them after their prior attempt to harm us. 

I must also mention that the company has in the past few months raised my monthly payment from {$2800.00} per month to {$3200.00} per month. The rate is not adjustable during this period and I am worried they are unlawfully taking advantage of us by adding in fees and costs that are not part of our signed agreement for the mortgage. 

PS : I have attached copies of the forbearance granted in response to your ( CFPB ) action, and the current notice of default to this complaint below. 

The mortgage info and company is : Shellpoint Mortgage Servicing XXXX XXXX XXXX XXXX, MI XXXX ph : XXXX email : XXXX Mortgage Account # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 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: GA

Complaint narrative:
Reached out to the three credit bureaus about an inaccurate collection item on my credit report and they are saying that the debt is verified as accurate, which it is not I told them that I received a one page lease that shows 1 of 8 pages and I only received page one. On the one page it does not say anything about a broken lease fee, I asked the agencies how did they certify the debt and got no response, I havent received a billing ledger for the collection agency and it says I sent a notice that I wanted to end the lease which is not attached. They are reporting information that is not accurate and unverified, you cant add something to my credit report without a full lease, full payment history, and proof of this debt. Please review the documents Im submitting and please tell me where it even states if a lease is broken there is a fee, therefore this is not acceptable and irresponsible reporting this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Reached out to the three credit bureaus about an inaccurate collection item on my credit report and they are saying that the debt is verified as accurate, which it is not I told them that I received a one page lease that shows 1 of 8 pages and I only received page one. On the one page it does not say anything about a broken lease fee, I asked the agencies how did they certify the debt and got no response, I havent received a billing ledger for the collection agency and it says I sent a notice that I wanted to end the lease which is not attached. They are reporting information that is not accurate and unverified, you cant add something to my credit report without a full lease, full payment history, and proof of this debt. Please review the documents Im submitting and please tell me where it even states if a lease is broken there is a fee, therefore this is not acceptable and irresponsible reporting this.

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 2020-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I was fraudulently billed by Transunion 4 times last month. I did not have any conversation with them about any services. My bank reversed the charges and required I get a new card and redo all my auto charges to my credit cRd. Ans now I see that Transunion reduced my credit score at another bank I use. As a banking executive, this can have a direct impact on my employment. I called transunion several times and their voice system kept disconnecting and saying to try back another time.

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 2020-05-12 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: AR

Complaint narrative:
I been trying to get insurance on my vehicle. Every time I would get a quote it would come back high or ineligible. I have always paid my accounts on time. I decided to get my report pulled and out of surprise there is a lot of things that do not belong to me. Please remove these items from my credit report. XXXX XXXX XXXX XXXX {$2500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 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: NY

Complaint narrative:
I have contacted the following companies numerous times and filed a claim with Experian and XXXX. I have contacted XXXX XXXX to inform them my score is incorrect and this problem has not been resolved. XXXX XXXX  has not contacted either Experian or XXXX to my knowledge. My card balance for the account ending in XXXX is {$1300.00} and balance for the account ending in XXXX is {$660.00} as of today XX/XX/20. I have made previous payments on both accounts to lower the balance over a month ago and have filed a previous claim. I have made sure to keep the balance low. We are trying to buy a home and are having an issue getting a non FHA loan because my score wont update due to my account balances. Thank you for your time hopefully they can resolve this.

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 2020-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
I have 2 collection accounts on my credit from this company. I have never been contacted by them and I don't know what the debt is for. I am a XXXX and not only do my dad and I have the same name- so do 2 of my uncles and 1 cousin. I DISPUTE THE VALIDITY OF THE DEBT AND THE PAYMENT HISTORY. I never received a collection notice or the right to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 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: AR

Complaint narrative:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts.

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 2020-05-12 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: AR

Complaint narrative:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts.

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 2020-05-12 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: MS

Complaint narrative:
I have notified Equifax that this account has been opened in my name but I did not open this account. This account is being reported is FRAUD. Please delete this account and block this from my credit for XXXX. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: LA

Complaint narrative:
I had fraudulent charges that were acknowledged by Paypal and XXXX XXXX. In the ammounts of. 

XX/XX/2020 {$1000.00} XX/XX/2020 {$1000.00} XX/XX/2020 {$1000.00} XX/XX/2020 {$1000.00} XX/XX/2020 {$1000.00} When I originally reported the money being withdrawn from my XXXX XXXX checking account from paypal. I notified Paypal and they assured me the fraudulent charges would be reversed. The last 2 {$1000.00} charges were still pending when I made the report. These funds were reversed. It was noted by the paypal employee that I had nothing to worry about and the remaining {$3000.00} would be reimbursed even though the funds had already been fraudulently withdrawn from XXXX XXXX. Paypal continues pestering me and claiming that I was reimbursed twice and they want the {$3000.00} back. I have provided bank statements as requested and also called them 3 way with my bank to notify them that I was not reimbursed twice.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I had an account with Wells Fargo bank in Virginia. The account was joint account between me and my son who was underage at the time we opened the account ( he is an adult now ). My son was a victim of a scam. The party that scammed him sent him a check for {$10000.00}. Date of the check XX/XX/XXXX. The check is very clearly a bad check, with no signatures of any sort in the check. Any person who looks at the check can tell that its not legitimate. I will attach a copy of the check. However, the bank deposited the check with no effort to verify its legitimacy. And showed that the fund is available. The bank allowed my son to cash out {$10000.00} without any notification to me, without verifying the availability of the fund ( needless to say no history of that account with huge transactions ). Few days later, they found that the check was a fraud, put the account in negative and asked me to pay the balance. I strongly feel that the bank is enabling fraud and didnt provide any protection whatsoever to my account. When I looked closely at the account, I also feel that the bank is taking part of what is clearly money laundering operation. I spoke with the branch manger multiple times with no solutions. I contacted the corporation and filed a complaint number XXXX on XX/XX/XXXX. With no response from the bank as of today except for acknowledging the complaint. I did pay the balance and close the account after the manager threatened me. I strongly feel that the bank need to be investigated as they seem to enable fraud, enable money laundering and not providing any protection to me as a customer.

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 2020-05-12 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: LA

Complaint narrative:
I sent them information and they responded with a letter requesting the same information that was provided to them. I feel as though they're stalling my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 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: AR

Complaint narrative:
I pulled my credit to myself for the first time and I have derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX XXXX {$510.00} XXXX  XXXX {$720.00} XXXX XXXX {$240.00} DPT EDXXXX XXXX {$4200.00}

Company response to consumer: Closed with explanation