vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-02 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: CA

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like the credit bureaus are taking advantage of me by ignoring my disputes I took time to send these letters off and spent my hard earn money. Section 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove promptly. I demand these accounts be deleted immediately or I will file litigation due to the stress you cause me. My information was impacted by the Equifax data breach and may have got into the hands of the wrong person. I am begging for help at this point!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
paypal closed my account for no reason and will not help me with getting it back up and going i am not sure if this is some mistake as i assume it has to be. i have not been able to get help from them for months but i just remembered i could file a report on here as i feel they are not doing their job properly and it is effecting me a great deal as i used paypal frequently. my email linked to my paypal is XXXX but i cant change it to my new email to see anything they sent me ethier

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: 21ST MORTGAGE CORP.
State: TX

Complaint narrative:
Ive not worked since XXXX of 2020, my mortgage company attempted to defer payments, however, I was not receiving unemployment, so I had no income to pay the taxes and service fees to defer payments. They are now threatening to foreclose on me. I am still unemployed, looking for work, and receiving unemployment. I am doing my best to get caught up, but they arent working with me any longer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
In XXXX of 2020, after contacting XX/XX/XXXX andXX/XX/XXXX from XX/XX/2020 through XX/XX/2020 ; I Contacted the collection agency to verify the debt and balance, date open etc. are accurate. The company first they investigated my dispute with the original creditor ( In which I will provide proof of all correspondence. This company is still reporting a balance when the account was said to be charged off and reporting negatively on my credit report XXXXXX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX XXXX. i would like to have matter investigated and removed from my credit report. the company also informed me that they had sent the debt back the original creditor but yet they are still reporting on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
So I sent Equifax a letter requesting for them to give me their method of verification concerning the Bankruptcy on my credit report, so I could find out who the furnisher was of the Bankruptcy information. For whatever reason, Equifax was not able to comprehend what I was asking for and responded by saying in a follow up letter, please be specific with your concerns by listing the account names, numbers and the nature of the dispute. 
I had just sent the same letter for my wife and Equifax didn't have a problem with understanding what I meant and responded with the information that she needed, so I can only assume it's more than likely the e-Oscar System that did not understand. 
So once again Equifax, please give me your Method of Verification concerning the Bankruptcy on my Credit Report that you used to determine the accuracy and completeness of the info, including the business name, address and phone number of the Furnisher if reasonable. Documents are attached for proof. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Nations Direct Mortgage, LLC
State: CA

Complaint narrative:
I have an escrow account for Homeowner 's insurance and property taxes. I discovered that they never paid my renewal to my homeowners and missed the due date for the installment of my property taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 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: MD

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like the credit bureaus are taking advantage of me by ignoring my disputes I took time to send these letters off and spent my hard earn money. Section 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove promptly. I demand these accounts be deleted immediately or I will file litigation due to the stress you cause me. My information was impacted by the Equifax data breach and may have got into the hands of the wrong person. I am begging for help at this point!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
Early warning services has applied me to there system in the past couple of days for no legitimate reason and will not respond via phone call or email i was never given notice what actions by me would cause me to be put on there system so how would i know something as simple as inquiring for credit would cause this? The credit agencies XX/XX/XXXXand XX/XX/XXXX all tell me to apply for new credit? So you tell me to apply for credit to build my credit history and when i do they penalize me for inquiring? This is a very bad fraud prevention and is only hindering me building my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 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: WA

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like the credit bureaus are taking advantage of me by ignoring my disputes I took time to send these letters off and spent my hard earn money. Section 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove promptly. I demand these accounts be deleted immediately or I will file litigation due to the stress you cause me. My information was impacted by the Equifax data breach and may have got into the hands of the wrong person. I am begging for help at this point!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 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:
How you doing my name is XXXX XXXX & I have been in contact with the creditors as well as the credit bureaus to remove existing accounts from my credit report. It has been over 30 days & they have not been able to verify my accounts nor have they been able to show consumer contracts with my signatures on them. Id like to ask that they remove these negative item from my credit report since it is affecting my ability to obtain credit. I hope to hear from you guys as well as resolve this matter as soon as possible. Thank you for your time. Good bye

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 2021-02-02 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:
How you doing my name is XXXX XXXX & I have been in contact with the creditors as well as the credit bureaus to remove existing accounts from my credit report. It has been over 30 days & they have not been able to verify my accounts nor have they been able to show consumer contracts with my signatures on them. Id like to ask that they remove these negative item from my credit report since it is affecting my ability to obtain credit. I hope to hear from you guys as well as resolve this matter as soon as possible. Thank you for your time. Good bye

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 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 — Problem with personal statement of dispute
Company: DISCOVER BANK
State: PA

Complaint narrative:
Discover use to have a balance of XXXX but now went down XXXX based on a car I voluntarily surrender and paid XXXX for a 3 year lease car so discover is going based on a shortage of XXXX for the XX/XX/XXXX XXXX XXXX n I voluntarily surrender n only owe XXXX n discover card hurt my credit report they said I have 2 take it out w u guys ... I am XXXX XXXX but discover still got there money.. I'm sooo upset

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NV

Complaint narrative:
They're closing my account for no reason XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
Dear RESURGENT CAPITAL SERV ; I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
i have sent over 3 dispute plus letters from the courts an XXXX XXXX  an XXXX XXXX  say the info is incorrect ask trans union to delete it from my file but the keep say its correct when they have the paperwork saying otherwise please delete it from my file

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 2021-02-02 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: V and H Portfolio
State: PA

Complaint narrative:
Contacted the company several.times explains it was not my debt and never had the account yet they refuse to remove from my report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-02 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: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
Contacted the company several.times explains it was not my debt and never had the account yet they refuse to remove from my report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 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: AmeriCollect
State: GA

Complaint narrative:
XX/XX/20 I wrote a letter to XXXX XXXX  for charge off account in the amount of XXXX. I requested under the FDCPA to the creditor to provide me with original signed documents that bares my signature or to remove the said account reporting on my credit that is not mine. They failed to do so and responded stating that it belongs to me with nothing to back it up. I sent a dispute exercising my right according to FCRA to XXXX and XXXX and both also refused to delete unverified accounts and ignored my request to reinvestigate that the accounts were being reported fraudulently since they failed to actually do a actual investigation. When I asked for documents used and the procedure that states that those said accounts were in fact accurate my request was denied, ignored and I was told that because a investigation was initially done they dont have to nor will they conduct another one. How is this even legal how can the credit bureaus get away with not following the law guide lines?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Home Loan Center, Inc.
State: TN

Complaint narrative:
I was contacted by Lending Tree stating that I was approved for {$3000.00} and that they would be depositing insurance money in my account and I would have to go to XXXX XXXX to purchase a sponsored prepaid debit card for the amount. I was at work during the time and expressed that to the loan officers " XXXX XXXX '' and " XXXX XXXX '' but before I could get off they had called the police on me stating that I had run off with federal funds. All they did was break into my account and reverse a ton of transactions to equal {$1300.00} I called the gentlemen back at XXXX and he asked me to purchase a {$500.00} XXXX gift card which I did from XXXX because this company had called my local police department on me and I was terrified. 

I spoke with XXXX XXXX and asked him to take all of this money back because now I am terrified that I have committed a crime. 

He asked me to XXXX XXXX the remaining balance of {$800.00} to $ XXXX XXXX XXXX XXXX XXXX. XXXX XXXX kept declining the transaction stating it was fraudulent. 

My bank ( XXXX ) will not allow me to receive instant payments via XXXX XXXX but the Loan Manager XXXX XXXX asked me to XXXX XXXX back to myself. I explained to him that my bank won't allow me to receive instant payments it would be 24- 48 hrs before it would post. He then says I will put the money back in your account don't worry about anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio Recovery & Associates is a violation of FDCPA sec 809b Portfolio Recovery & Associates attempts to collect a debt under the names : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  Accounts can not be 100 percent validated ; this is a violation. 

PRA attempts to collect a debt in a state that i do not reside in ; A violation PRA does not have the right to collect any debt in my state of Florida PRA Knowingly reports fraudulent and misleading information in their attempt to validate the debt they claim i owe ; Which includes the following ; inaccurate name & address Inaccurate original creditor and amount owed ; Although a validation letter was submitted to the creditor ; the company illegally reports inaccurate information to the credit reporting agencies. 

All are unfair practices under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 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: OneMain Finance Corporation
State: TX

Complaint narrative:
I have been dealing with One Main Financial with incorrect reporting for the last 3 months which has delayed my process of purchasing my home. I settled this account XX/XX/XXXX for {$4600.00}. I was told that this information would be reported in 30 days as a paid charge off so I moved my closing date on my home until XX/XX/XXXX. I contacted One Main Financial XXXX and they told me they had dropped the ball and this should of been updated in there system in XXXX which it was not and now they don't have a time grabs of when this information will be updated! This is a violation of my consumer right with incorrect reporting on my credit report and is negativity impacting my credit as well as could prevent me from purchasing my home.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-02 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: Chime Financial Inc
State: GA

Complaint narrative:
Chime is not Reporting my Credit Limit, Credit Limit is {$4400.00}, Chime is Reporting XXXX as my Credit Limit for which isnt True

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have been dealing with XXXX XXXX XXXX with incorrect reporting for the last 3 months which has delayed my process of purchasing my home. I settled this account XX/XX/XXXX for {$4600.00}. I was told that this information would be reported in 30 days as a paid charge off so I moved my closing date on my home until XX/XX/XXXX. I contacted XXXX XXXX XXXX XXXX and they told me they had dropped the ball and this should of been updated in there system in XXXX which it was not and now they don't have a time grabs of when this information will be updated! This is a violation of my consumer right with incorrect reporting on my credit report and is negativity impacting my credit as well as could prevent me from purchasing my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 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: TX

Complaint narrative:
I have been dealing with XXXX XXXX XXXX with incorrect reporting for the last 3 months which has delayed my process of purchasing my home. I settled this account XX/XX/XXXX for {$4600.00}. I was told that this information would be reported in 30 days as a paid charge off so I moved my closing date on my home until XX/XX/XXXX. I contacted XXXX XXXX XXXX XXXX and they told me they had dropped the ball and this should of been updated in there system in XXXX which it was not and now they don't have a time grabs of when this information will be updated! This is a violation of my consumer right with incorrect reporting on my credit report and is negativity impacting my credit as well as could prevent me from purchasing my 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 non-monetary relief