vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-13 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I called into the XXXX XXXX XXXX IN XX/XX/2020 ( like everyone else ) and got an automated system and elected to use the government mortgage relief program for Covid-19. I was suppose to be called and we were to discuss what OPTION I was going to CHOOSE. I was never contacted. And they ( XXXX XXXX XXXX   ) WITHOUT MY KNOWLEDGE CHOSE THE Forbearance OPTION. I was under the strong assumption that I had many options. 

My issue right now is they also reported to the credit agencies false information about my loan. Number one : The loan should have not increased XXXX. ( they added another XXXX plus another XXXX to the loan. That was reported to the credit agency AS WELL AS THE FORBEARANCE. Also I did not choose to be in any kind of forbearance or loan modification as of yet. I was suppose to be contacted and choose the option on my own. 
My credit score decreased in value today BY 29 POINTS. With my Credit simulator my credit score would have been XXXX next month. Instead it dropped to XXXX And I have been working on getting an excellent credit rating for years now. Their were suppose to be NO credit reporting from any mortgage company during this time of COVID-19 CRISIS. But XXXX reported the credit to the agencies. 

I feel I have been wrongfully serviced by XXXX during this Covid-19 experience. I feel that they owe me an NORMAL loan and let me out of this predatory loan that I am in. 

Thank you in advance for your help XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Disputing the amount. Refuse to provide adequate information, XXXX Account {$4400.00}

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 2020-05-13 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:
XXXX XXXX XXXX Account XXXX Information on this item has been updated. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX XXXX XXXX, XXXX Account XXXX The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remains + 'icon ' Remains XXXX XXXX XXXX Account XXXX The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX/XXXX  Account XXXX The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: U.S. BANCORP
State: NV

Complaint narrative:
My account with US Bank Home Mortgage is in the foreclosure process, so I made the decision to sell my home before the process can be completed. XXXX XXXX XXXX XXXX sent a payoff demand request on XX/XX/XXXX and US Bank has given me the run around stating they have no record showing such request, but the attorney 's office is telling me that they have the request and are waiting on the numbers from US Bank. It is now XX/XX/2020 and they have not completed anything, which has been in their hands for 2 weeks now. I was also informed by US Bank that this could take up to two additional weeks to completed which is past the contract date of XX/XX/XXXX. I'm trying to get the bank paid off in full and no one has completed the request to get this completed.

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 2020-05-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MiraMed Revenue Group LLC
State: VA

Complaint narrative:
This is the second time this has happened to me last year this same situation costed me getting my first home and now I owe thousands to my credit card because of the timing in which it happened to me.. mirmad revenue group keeps attempting to collect debts that I allegedly owe to XXXX XXXX hospital now I have spoken with my very doctor that the bill were presumably owed to he does not understand either .... I have two insurances one being XXXX as well for being XXXX ... I have been waiting for him XXXX XXXX XXXX to update my insurance for months they never have reviewed this at all I was never forwarded of this debt owed either. I moved on XX/XX/2020 this stated my first insurance did not take. Because they had outdated information at the time but just like the last time this happened I had a pending verification statues of the insurance data that I had placed into there XXXX software.. I just dont logically see how I could be liable for something that is not my error..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 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: AR

Complaint narrative:
I pulled my credit to myself to check the reason why my score was so low. i knew i was paying all my bills on time and just could not understand why my credit was not going up. My identity has been compromised. There are a couple items on there that are not mine. I have never seen these items in my life. Please remove the items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX Account XXXX Information on this item has been updated. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX XXXX XXXX, XXXX Account XXXX The company that reported the information has certified to XXXX  that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remains + 'icon ' Remains XXXX XXXX XXXX Account XXXX The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX/XXXX  Account XXXX The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated

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 2020-05-13 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX Account XXXX Information on this item has been updated. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX XXXX XXXX, XXXX Account XXXX The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remains + 'icon ' Remains XXXX XXXX XXXX Account XXXX The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX/XXXX  Account XXXX The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated

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 2020-05-13 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: GA

Complaint narrative:
Dear Creditor, I am submitting this letter because I need to have my account updated as it is being affected by LATE CHARGES. I lost my job in XX/XX/2017 and was able to keep my payments up-to-date for over an entire year. I contacted you all multiple times for help but was not told about the modification program until I was already months behind. However, I was approved and given a modification to pay XXXX per month for 12 months. Those payments were made on time. 

I have late payments for multiple months on my Equifax, XXXX, and XXXX  accounts. I was approved for the modification and it was paid ON-TIME so I am unsure why my account is still appearing negatively. I want to stay with XXXX XXXX, however, if this situation isnt rectified, then I will be forced to close my account and pay it off. 

Please assist me with updating my account so that it may include on-time payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 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: GA

Complaint narrative:
Dear Creditor, I am submitting this letter because I need to have my account updated as it is being affected by LATE CHARGES. I lost my job in XX/XX/2017 and was able to keep my payments up-to-date for over an entire year. I contacted you all multiple times for help but was not told about the modification program until I was already months behind. However, I was approved and given a modification to pay XXXX per month for 12 months. Those payments were made on time. 

I have late payments for multiple months on my XXXX, Experian, and XXXX  accounts. I was approved for the modification and it was paid ON-TIME so I am unsure why my account is still appearing negatively. I want to stay with XXXX XXXX, however, if this situation isnt rectified, then I will be forced to close my account and pay it off. 

Please assist me with updating my account so that it may include on-time payments.

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 2020-05-13 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: Santander Consumer USA Holdings Inc.
State: OK

Complaint narrative:
I have followed everything requested by identitytheft.gov, sent and faxed letters of the requested information to Chrysler Capital, and this is still showing on my credit report. I did not take out a loan with this company, i gave no one permission to do so, and this is adversely affecting me personally. I would like this fraudulent information removed as Chrysler is the ONLY company that i have contacted that has yet to do anything about the identity theft i am facing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Northtown Capital Services Group LLC
State: TX

Complaint narrative:
This company is contacting anyone that carries my last name. They have called a family member on XX/XX/2020 and said they are looking for me. This company have left threatening messages on my phone and is now calling others. Most of the people they are calling are not close relatives. They are people I met on XXXX XXXX but carry the same last name. This is unethical, embarrassing, illegal and I want them to Cease and Desist reaching out to others pertaining to my financial affairs. 

NCSG Northtown Capital Services Group XXXX XXXX XXXX, XXXX, NY XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within Transunion credit report. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit

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 2020-05-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I pulled my credit to myself to check the reason why my score was so low. i knew i was paying all my bills on time and just could not understand why my credit was not going up. My identity has been compromised. There are a couple items on there that are not mine. I have never seen these items in my life. Please remove the 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 2020-05-13 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I pulled my credit to myself to check the reason why my score was so low. i knew i was paying all my bills on time and just could not understand why my credit was not going up. My identity has been compromised. There are a couple items on there that are not mine. I have never seen these items in my life. Please remove the 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 2020-05-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: WA

Complaint narrative:
I was charged {$25.00} for a Payoff Demand Letter, and PennyMac did not disclose the fee upfront. Even the customer service rep ( who was very nice ) agreed that made no sense. PennyMac would not refund it when I pointed out that the fee was never disclosed to me and isn't published on the page of My Account where a Payoff Demand Letter is requested. There is no reference to a fee anywhere, and the Customer Service Rep wasn't able to provide me with a reference to where this fee is mentioned anywhere, either. I will never do business with this company again. 

As of XX/XX/2020, this is the text on the Payoff Demand request page ( I have a screenshot ) : Payoff Request If you are working with an escrow officer or attorney as part of a real estate transaction, they will contact PennyMac on your behalf to obtain this information. 
Important things to remember : You are responsible to continue to make all payments on your loan until it is brought to a XXXX  balance. Late fees/adverse credit reporting may be affected if payments are not received. 
If you pay off your loan and you are set up on PennyMac AutoPay you must cancel the service at least three ( 3 ) days prior to your scheduled payment date in order to avoid a draft from occurring while your payoff is being processed. 
When sending in payoff funds, please follow the payment instructions in the payoff statement. 
If you are moving, please remember to update your Mailing Address so we can be sure to get important documents, notices and/or refund checks to you promptly. 
If your loan had an escrow account, any remaining funds will be mailed to you within 20 days from the date your loan is paid in full. 
After your loan is paid off, you will continue to have online access to your loan for 18 months. You will be able to access your Statements & Document section and review your Loan Information. 
How It Works Select a date that is available for you to choose to payoff your loan. 
You will receive a notification when your payoff statement has been processed and you will be able to view it in the Message Center where you can view and print your payoff demand. 
Payoff Demand Statements are time sensitive documents the message will be auto-deleted in 30 days, encourage you to print save on your own device. 
Get Started PayOff Reason Expected Payoff Date Please choose a payoff date within the next 30 days. 
Submit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 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: AR

Complaint narrative:
My brother informed me that I received a letter in the mail from where i used to live stating that I owed a debt of some type. I did a little investigating and I was told that someone has given my name and social security number to open accounts. They have the wrong person, I decided to pull my credit report it showed the exact same thing and some inquiries that had been pulled under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my report. XXXX XXXX XXXX XXXX  XXXX {$430.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: DISCOVER BANK
State: TX

Complaint narrative:
On XX/XX/2020, my previously earned miles from Discover Card Services was unexpectedly converted to cash. There was no notice given. Contact with the company stated that : " I am so sorry about this happening, but I can send you the terms for your account where it will talk about cashback/miles being forfeited or cancelled at our discretion. Would you like me to do that? '' They then disconnected the chat on me after I wasted an hour with them. 

I will be closing my account and advise others to as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I sold a book on XXXX to a XXXX XXXX XXXX on XXXX ; The transaction of {$240.00} went through Paypal and the after fees the amount of {$240.00} was deposited to my account. The transaction ID was XXXX. On. XX/XX/2020 While checking my account I noticed that this amount had been refunded to Mr. XXXX on this same date. I think that this transaction had just occurred or had occurred close to the time I found out about about it. I thought that this action was by some kind of hacker that had in some way gotten into my account. So I immediately changed my password and tried to inform Paypal of the unauthorized refund. I don, t know how successful I was about this because of the " virus '' I had to write up my complaint. During this last week Paypal has insisted.that I had made the refund and I insisted I didn't. I also pointed out I was out the book and the money. No one ever had asked for a refund or returned the book. Paypal couldn't really tell who had authorized the refund but said it was me..They never checked who they had sent the refund to. During this time they have stopped my complaint on their site. I found on XXXX the address, phone #, and Email of Mr. XXXX. I tried to call him but the phone had been disconnected and no answer to my E-Mail. ( .I also found an XXXX  in the past by XXXX for XXXX XXXX, not that this has any bearing on the present case. I did not authorize the refund of {$240.00}. I think Paypal did. I have not had my book returned. I want Paypal to refund my money-

Company response to consumer: Closed with explanation