vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MS

Complaint narrative:
I have recently been made aware that I have been involved in a scam where funds were sent from my Venmo account to an unknown entity. I was mailed a check for a requested service from an unknown contact through email inquiring about a potential private business opportunity. I sent an invoice for the deposit of private chef service {$640.00} and was asked to pay the chauffeur company on their behalf while vacationing in my city. I deposited the check XX/XX/XXXX First Horizon XXXX poplar XXXX, TN and requested the bank to verify the check {$4200.00}. The confirmed on XX/XX/XXXX the check was cleared. I and was informed to send {$3200.00} deposit to the chauffeur through Venmo XX/XX/XXXX. I received notice from the my bank XX/XX/XXXX the check for {$4200.00} was now declined and was a duplicate check number. This is a scam and the contact was not legitimate. The transfer of {$3200.00} was made on XX/XX/XXXX to a venmo account using the user ID of @ XXXX. I filed a police report with XXXX XXXX Department. I would like to know what the process is for having the funds returned and what kind of investigation can be done regarding this situation. I look forward to hearing back from someone soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
My credit limit was decreased due to limited usage. This unfairly penalizes me for responsible usage and will negatively impact my credit score through no fault of my own. I spoke with a supervisor on XX/XX/2020, who informed me that they can not and will not reverse this decision. For a company to hold such sway over my credit score, without any negative action on my part, is not only unjust and unfair, it violates the terms we both agreed to when opening this account. Since I did nothing to warrant this action, I see no basis for the company to change the terms of our agreement and to adversely affect my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL

Complaint narrative:
Account # XXXX XXXX XXXX XXXX XXXX On XX/XX/2020 we sold our home, which Bayview Loan Servicing was servicing our mortgage. At the time of the closing, we had {$5500.00} in an escrow funding account for taxes and insurance, which is to be refunded to us, as of the date of the home sale.

We have contacted Bayview Loan Servicing multiple times, regarding our refund. They acknowledge the amount to be refunded. However, as of today, we have not received our money. Bayview Loan Servicing keep sending us letters that they have refunded our money. Yet, we receive those letters, but, have yet to receive our money. 

We are requesting our {$5500.00} which is owed to us by Bayview Loan Servicing. This company has been nothing but trouble throughout the life of our mortgage. They have very poor customer service, and are rude at times. We are a retired couple ( over XXXX ), seeking to get our money from our escrow account. Thank you for your prompt attention into this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 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: CA

Complaint narrative:
I have sent four disputes to experian, XXXX, XXXX  all through certified mail. I have several accounts on my report that showed up and i have no clue to how they got on there. including student debt with about 5 different accounts with the same company. i asked them to look into it and to show how they verified these accounts that they state remains. they have failed to send me any notifications on how they verified. the papers they send me even comes back with a different name. now they state that they will not investigate without documents to prove my case. How am i supposed to prove something if its not mine and i have nothing to go off of since they keep failing to show me proof of verification or any documents to these 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 2020-08-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Continental Services Group, Inc. d/b/a ConServe
State: IL

Complaint narrative:
I HAVE RECEIVED MULTIPLE ILLEGAL TELEPHONE CALLS THIS MONTH. THE CALLER DOES NOT LEAVE A MESSAGE. I HAVE GOOGLED THE NUMBER ( XXXX ) AND DISCOVERED OTHER PEOPLE HAVE BEEN BOTHERED AND HARASSED BY CALLERS USING THIS NUMBER. THE CALLER REPRESENTS CONTINENTAL SERVICE GROUP , INC. ( ConServe ), A DEBT COLLECTION AGENCY. 

I HAVE NO DEBT. I SHOULD BE NOTIFIED BY MAIL IF A COMPANY THINKS THAT IT HAS BUSINESS WITH ME. I DEMAND THAT THE COMPANY STOP CALLING ME, OR PROVE THAT THEY HAVE BUSINESS WITH ME. 

I CAN NOT BE THE ONLY PERSON THAT ConServe IS CALLING FOR NO REASON. PLEASE INVESTIGATE THIS COMPANY 'S BUSINESS PRACTICES. AND, PLEASE FIND OUT WHY THEY CALL ME, AND HAVE THE CALLS STOP, PLEASE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CBE Group, Inc.
State: AR

Complaint narrative:
CBE FAILED TO CEASE AND DESIST COLLECTIONS AND KEEP CALLING MY MOM AND DADS CELL 13 TIMES. XXXX IS PAYING GAS BILL SEE ATTACEHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
This was an account that was t XXXX XXXX, and appear that it was sold to Santander Bank, when I filed a Chapter XXXX Bankruptcy, they tried to collect a balance that was fraudulently as this was paid in full.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-26 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 am a victim of identity theft and did not make the charge. This account was deleted from my credit report a few years ago.

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 2020-08-26 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 went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that I needed to act. I pulled my credit report and there are many fraudulent accounts that do that belong to me. Please remove these fraudulent accounts from my report. XXXX XXXX   XXXX {$3300.00} XXXX XXXX {$370.00} XXXX  XXXX XXXX {$190.00} XXXX XXXX  XXXX {$200.00} XXXX XXXX XXXX {$400.00} XXXX  XXXX {$3600.00} XXXX XXXX {$6300.00} XXXX XXXX {$14000.00} XXXX XXXX {$6500.00} XXXX XXXX  XXXX {$8000.00} XXXX  XXXX {$1900.00} XXXX XXXX XXXX {$130.00} XXXX  XXXX {$240.00} XXXX XXXX {$6200.00} XXXX XXXX XXXX {$14000.00} XXXX  XXXX XXXX {$120000.00} XXXX XXXX XXXX {$12000.00} XXXX XXXX  XXXX {$85.00} XXXX XXXX XXXX {$2900.00} XXXX XXXXXXXX {$40000.00} XXXX XXXX  XXXX {$3600.00}

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 2020-08-26 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 went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that I needed to act. I pulled my credit report and there are many fraudulent accounts that do that belong to me. Please remove these fraudulent accounts from my report. XXXX XXXX   XXXX {$3300.00} XXXX XXXX {$370.00} XXXX  XXXX XXXX {$190.00} XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX {$400.00} XXXX  XXXX {$3600.00} XXXX XXXX {$6300.00} XXXX  XXXX {$14000.00} XXXX XXXXXXXX {$6500.00} XXXX XXXX  XXXX {$8000.00} XXXX XXXX {$1900.00} XXXX XXXX XXXX {$130.00} XXXX XXXX {$240.00} XXXX XXXX {$6200.00} XXXX XXXX XXXX {$14000.00} XXXX  XXXX XXXX {$120000.00} XXXX XXXX XXXX {$12000.00} XXXX XXXX  XXXX {$85.00} XXXX XXXX XXXX {$2900.00} XXXX XXXX {$40000.00} XXXX XXXX  XXXX {$3600.00}

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 2020-08-26 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: IL

Complaint narrative:
XXXX  # XXXX show a balance incorrectly and that the account was unpaid charged off.. closed by credit grantor.. is false and incorrect information

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 2020-08-26 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: PA

Complaint narrative:
I have had a XXXX XXXX XXXX with XXXX XXXX since XX/XX/2016. The business is a consulting one and is in my name and under my Social Security number solely. Both XXXX  XXXX and I have REPEATEDLY requested TRANSUNION to report this account and my flawless payment history just as they do with my OTHER XXXX  XXXX  XXXX but they continue to put it back on XXXX  XXXX in an endless circle.

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 2020-08-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Agency of Credit Control
State: CO

Complaint narrative:
Collection was paid XX/XX/2020. I asked the collection agency to please delete it from my credit as it is paid in full and was advised by two different account reps, that is not their policy and will only show as paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I found on my credit report from Equifax that XXXX XXXX  XXXX XXXX  did a hard inquiry on my credit on XX/XX/XXXX. I did not apply for credit at that time. Also, Equifax had old late credit card payments from XXXX that they refused to remove. How long does late payments stay on report?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am a victim of identity theft and did not make the charge. This account was deleted from my credit report a few years ago.

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 2020-08-26 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 am a victim of identity theft and did not make the charge. This account was deleted from my credit report a few years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: MA

Complaint narrative:
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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 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: IL

Complaint narrative:
equilfax information servicesLLC is showing incorrect and false information on my report for XXXX XXXX XXXX XXXX credit card # XXXX as charged off / closed by credit grantor / unpaid balance.. this has been paid on time

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: WA

Complaint narrative:
I applied for refinancing with AmeriSave Mortgage Corp., which offered to me very low refinancing rate. But they did not disclose to me that their refinancing fee is {$31000.00} until after I allowed AmeriSave Mortgage Corp. to put a hard inquiry into my credit report and agreed to work with them. Not disclosing all the fees prior to putting a hard inquiry into one 's credit report is a deceiving practice which also negatively affects client 's credit rating.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE KNOW IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE KNOW IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2020-08-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have sent four disputes to XXXX, Transunion, XXXX  all through certified mail. I have several accounts on my report that showed up and i have no clue to how they got on there. including student debt with about 5 different accounts with the same company. i asked them to look into it and to show how they verified these accounts that they state remains. they have failed to send me any notifications on how they verified. the papers they send me even comes back with a different name. now they state that they will not investigate without documents to prove my case. How am i supposed to prove something if its not mine and i have nothing to go off of since they keep failing to show me proof of verification or any documents to these 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 2020-08-26 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: CA

Complaint narrative:
I have sent four disputes to XXXX, XXXX, Equifax all through certified mail. I have several accounts on my report that showed up and i have no clue to how they got on there. including student debt with about 5 different accounts with the same company. i asked them to look into it and to show how they verified these accounts that they state remains. they have failed to send me any notifications on how they verified. the papers they send me even comes back with a different name. now they state that they will not investigate without documents to prove my case. How am i supposed to prove something if its not mine and i have nothing to go off of since they keep failing to show me proof of verification or any documents to these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX ( XXXX, Il. XXXXis listed as a previous address for me on all of the 3 Credit reporting agencies. I have never lived there. I tried to lists the dispute with each and I have been unsuccessful after several attempts

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 2020-08-26 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: IL

Complaint narrative:
experian report # XXXX XX/XX/20 is reporting incorrect / false information as negative item # XXXX XXXX XXXX card stating 'account charged off/never late ' 'account closed at credit grantor 's request

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