vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-13 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:
I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 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 2021-04-13 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: MI

Complaint narrative:
I have an open Credit Card Account with XXXX XXXX and XXXX XXXX for over six months paid in full every month which is not being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 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: WI

Complaint narrative:
On XX/XX/XXXX I received a copy of my credit report from XXXX  and Transunion and notice false and inaccurate information that they documented on my file they maintain under my Social Security Number. It states that the XXXX XXXX XXXX XXXX Wisconsin reported to them and/or are the furnisher of a bankruptcy on on my credit file. On XX/XX/XXXX I sent a letter to the XXXX COURTS OF XXXX XXXX XXXX XXXX  requesting their procedures of verifying records with the credit reporting agencies. On XX/XX/XXXX I received a letter back from the courts stating that they DOES NOT report any information to ANY credit reporting agencies. On multiple occasions I have sent certified letter to all 3 credit bureaus asking them to provide me documentation from this court validating this information, while at the same time reminding them that you CAN NOT document false and/or inaccurate information on my credit file that they maintain under my Social Security Number. On XX/XX/XXXX I sent another certified letter asking again to validate it, while reminding them of the same. On XX/XX/XXXX received a letter yet again as verified as accurate. This completely false and inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 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: CL Holdings LLC
State: WI

Complaint narrative:
on XX/XX/2021 Jefferson capital systems llc put a collection on all three my credit reports for a cell phone bill with XXXX cellular. I want a debt validation letter or I want this account removed from the credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Mortgage Research Center, LLC
State: FL

Complaint narrative:
inquiry populated XXXX, did not self inquire nor do i meet the criteria ( veteran ) to have even applied.

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 2021-04-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
On XX/XX/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. I feel like i am being taken advantage of and i am being ignored of my dispute section 611 ( a ), it is plainly stated that a failure to investigate these within 30 days give a reason to immediately remove these items from my credit report it has been over 60 days, so they should be deleted promptly i demand these accounts be delete it immediately or i will file for litigation due to the stress you caused me. My information was also impacted by equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Associated Credit Services, Inc.
State: PA

Complaint narrative:
This company is using auto dialer to repeat calling my cell phone that I never gave to them.They are illegally collecting on a debt that is not mines and the harrassment needs to stop.I am ordering them to cease and desist as of now. I have no idea who they are dis not give out my cell phone to be XXXX  by auto dialer I will sue if I need to.And will be showing an Fdcpa attorney there letter.I already had a cease letter with the original creditor and I will take steps to sue. I filed with ftc due to this auto dialer.This debt is not mine so stop the harrassment. I had been harrasses to much. Someone stole my person information and now im constantly dealing with bogus debt collectores so do not call me nor write to me or harrass me or I will sue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my 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 2021-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AMERICAN NEIGHBORHOOD MORTGAGE
State: FL

Complaint narrative:
inquiry populated XXXX, did not self inquire nor do i meet the criteria ( veteran ) to have even applied.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FC HoldCo LLC
State: FL

Complaint narrative:
inquiry populated XXXX, did not self inquire nor do i meet the criteria ( veteran ) to have even applied.

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 2021-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CORELOGIC INC
State: FL

Complaint narrative:
received car loan from XXXX ended up receiving unauthorized mortgage inquiry as well as several auto loan inquiries.

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 2021-04-13 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: TX

Complaint narrative:
not mine FCRA : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX # A XXXX XXXX, CT XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, RI XXXX APARTMENT COMPLEX XXXX POPPY XXXX XXXX XXXX XXXX, FL XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX, CT XXXX SINGLE FAMILY XXXX XXXX XXXX # XXXX XXXX, CT XXXX SINGLE FAMILY

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Premium Credit Bureau
State: FL

Complaint narrative:
received car loan from XXXX ended up receiving unauthorized mortgage inquiry as well as several auto loan inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 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 affecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Through Transunion, on or around XX/XX/21, I requested a view of my credit score for the other two credit reporting agencies ( XXXX XXXX XXXX  ) agreeing to pay the one time fee of {$27.00}. Nowhere on the pages I viewed did it say that this would be a monthly recurring charge of {$27.00}, which I would never have agreed to. Transunion has since been notified by my credit card company of the aforesaid fact but continues to charge my credit card with {$27.00} on a monthly basis. I would like Transunion to end this practice as it is adversely affecting my ability to perform duties and sleep comfortably.

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 2021-04-13 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: NY

Complaint narrative:
Please be advised on XX/XX/2021 I sent in a dispute regarding False/ Inaccurate information on my credit report. Per FCRA 609 all information on my credit report should be reporting accurately and it is not. I have tried to contact the company on many different occasions to let them know of their Illegal behavior regarding my credit report which is subsequently damaging my quality of life. I will be seeking litigation regarding this manner because It's been more than 30 days no verification nothing but the False items still remain on my credit report. Also be advised i was apart of the Equifax data breach aswell.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 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: PA

Complaint narrative:
FDCPA 1692e misleading false reporting how can you validate/verify from the same source and have the last reported date and last actives date different on two different bureaus things are reporting inaccurately on my credit report I sent a certified letter to XXXX credit bureau 2 months ago and got no response here is my tracking number to prove they received it.

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 2021-04-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
USAA Credit Card. I have a balance of {$.00} on my credit card account. I attempted to pay this amount via the USAA Mobile app XX/XX/21. I selected " current balance '' as payment amount, deliver by date Tuesday, XX/XX/XXXX, from ( account stored on file ). I received a message that popped up stating " The amount you have entered is less than the minimum required. '' I tried again, this time entering an Amount to Pay as {$1.00}. I then received a message, " You have entered an amount that is greater than the account balance. '' I was unable to complete a payment for the amount owed. 

I attempted to use the mobile assistant but could not get an actual person to answer the question ( just automated attempts ). So, I called the USAA call center. I explained the issue and was advised that was correct, this is how it works and that I could not make a payment for {$.00}. I asked if there was any difference between the mobile app functionality and the actual online site and was advised that it was the same. I was then recommended to just go out and buy something else. I responded that was not the answer I was looking for, I just want to pay what is due. I was then told they could just refund the charge. I declined as this is a valid charge and is recurring monthly, so that is just a temporary solution. If I only have this charge and don't happen to use the card another time during the month, I still want to be able to pay for it. I was unable to reach any resolution during my call and still can't make a payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 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: MiraMed Revenue Group LLC
State: FL

Complaint narrative:
MIRAMED REVENUE GROUP reported to XXXX XX/XX/XXXX that an account from XXXX XXXX XXXX XXXX XXXX was a new collection. This account has been paid and is continuing to resurface on my credit report. Called The office of XXXX XXXX XXXX who the bill was originally paid to and the billing department told me that I have no balances due but that because I had no account open with them that they could not issue me a XXXX balance letter to have the accounts removed. 
Account number XXXX Account number XXXX For amounts of XXXX and XXXX but they are reporting as XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On several different occasions, I sent in dispute letters via USPS to correct inaccurate and unverifiable information on my credit report. The latest dispute letter was sent on XXXX.I called Transunion several times, asking if my disputes have been received and each time I am advised that there is no dispute on file. There is a bankruptcy reporting with the incorrect filing date and incorrect court name. I contacted the court who has advised me that they do not report bankruptcy information to the credit bureaus. I have also sent letters to Transunion, asking them to verify how this inaccurate bankruptcy was verified and through what source and each time my letters has been ignored. This is a clear violation of my consumer rights.

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 2021-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have contacted TransUnion and ask that tgey address the following issues on my report. They have failed to do so resulting in my credit being updated and causing harm to me by way of unfair interest and credit worthiness. 

1. Remove unknown and inaccurate Names, Addresses, and Employment. 

2. TransUnion has also failed to update my XXXX card account ( acct # XXXX ) to reflect a balance of XXXX. I have checked with XXXX along with the two other major credit companies, all have properly reported this account accept for TransUnion. The last update TransUnion allowed was XX/XX/2021.

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 2021-04-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: SC

Complaint narrative:
My mortgage was purchased by Nationstar Mortgage DBA Mr. Cooper in XX/XX/2021. After receiving instructions on how to setup my account I followed all of the instructions in the literature and was unable to actually do as instructed in what they mailed me due to their website being broken and unable to process my zip code when creating my account. I called customer care and was told to just keep trying. Finally, on XX/XX/XXXX I was able to create my online account with Mr. Cooper and upon doing so the website showed that 1 ) I was past due on my XX/XX/XXXX payment and 2 ) that my next auto-draft payment was automatically setup to occur on XX/XX/2021. As a result of the past-due status of my account and after seeing that the next pending payment was for XX/XX/XXXX, I initiated a one-time payment so as to get my account status current. On XX/XX/2021 I checked my bank account and saw that not only had they withdrawn the payment I made the previous day, but they had also withdrawn ANOTHER payment at the same time despite what their website reflected with regard to my upcoming auto-draft. I then called their customer service and after many unsuccessful attempts at navigating their automated phone tree I was able to miraculously choose the correct options to get a human on the line. The lady I spoke with then took my information and contacted the bank to initiate the refund. Despite the fact that Nationstar dba Mr. Cooper were able to instantly draft my funds from my account I was informed that I would need to wait up to 48 hours to have the funds that they took from me without my authorization to be returned to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Several transactions occurred in XXXX on my account. I spoke to XXXX in the Missouri claims department. I was told a new card can not be issued because due to the fraud my account is in the negative. Its takes 10 days to receive a credit and I need to call back a fourth time to dispute the transaction still pending even though I have already advised they are not mine and then call back a fifth time to be issued a new card whenever there are funds on my card. The security on this card is absolutely ridiculous. This is the forth time they have allowed someone in another country to make numerous transactions back to back. I do not want my funds deposited into this unsecure, unhelpful Bank of America account any longer! Just give me all my money and close this account!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-13 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: IN

Complaint narrative:
On XX/XX/XXXX a collection appeared on my credit report from XXXX XXXX a debt collector for a supposed account from XXXX XXXX. The account stated it was opened in XX/XX/XXXX for {$630.00}. I disputed this information with Experian and today XX/XX/XXXX they updated the account to show it was now originally opened XX/XX/XXXX. I have never been notified by this XXXX nor XXXX XXXX that I owe a debt to either. I have requested information from both XXXX and Experian and the only information I've been given is that the dates changed. Under the Fair Credit laws aren't I entitled to be notified of debt prior to a company just reporting information to the credit Bureau. Also aren't the credit bureaus supposed to investigate inaccurate information reported to them?

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