vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-13 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: FL

Complaint narrative:
AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.

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 2020-10-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
My account was frozen and a reason wasnt given. The only form of communication is through a email which also illegal. They have a customer service number but once you call it, it tells you that they are not open for business but are still accepting consumers business. After they froze my account for no reason or notification, once you send an email to them, they tell you it will be resolved after 7 days. There was still no resolution in 7 days as of why i am sending a complaint for deceptive business practices. No one should be handling finances and can not be contacted per FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Central Portfolio Control Inc.
State: IA

Complaint narrative:
Told them to send me proof of the debt. They refuse to. Keep calling with blocked or un registered numbers. Asked several time for them to stop calling. They claim they have the right to call as much as they want. Asked for managers name or legal rep and they claim to be a lawyer working the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 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: SC

Complaint narrative:
Experian posted inaccurate accounts on my credit report. 3 collections that were not correct. I provided Experian with bank statements showing payment on collections including the payoff of the account BEFORE it went into collections. They updated my file and then the next month reverted back to incorrect information. I have contacted the account and they said they turned it to collections and no longer have access to it. I do not understand why Experian is allowed to post inaccurate information with NO recourse. A consumer has no recourse but to just complain. Why is Experian not liable for false information. They should be required to vet all information prior to posting.

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 2020-10-13 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  and TransUnion credit bureaus keep on adding these fraudulent accounts on my credit report. These were already reported and has claimed that these debts/accounts are not mine.

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 2020-10-13 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: CA

Complaint narrative:
I'm a victim of identity theft and someone actually opened up a credit card account in my name and I had no acknowledgement of it so I would like to get deleted off my reports

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 2020-10-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Self Financial Inc.
State: TX

Complaint narrative:
Self financial XXXX XXXX XXXX # XXXX XXXX TX XXXX www.self.inc Self financial is the company I am filing this complaint about. I have been issued a credit card by them, then after I've been using it NOW they shut the card off and ask me to verify my identity. 

So I upload a copy of my driver 's license and debit card through their website and have emailed them several times. I have received one email back asking how they can help, i answered in the email I need help verifying my identity and I would like my card turned back on and haven't received another email since then. 

They have ZERO phone line customer service. ZERO chat box on their website. 

This is a DISGRACE to treat CUSTOMERS like this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Recovery Solutions, LLC
State: MO

Complaint narrative:
This company notified me of a debt owed that it has not validated and/or verified. I sent notice to this company & they have not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I see multiple 30-120 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: VA

Complaint narrative:
I do not know the date of original charges. They have never sent me any verification. I have disputed these numerous times to no avail. I have never had a XXXX XXXX Account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: MO

Complaint narrative:
In XXXX of this year 2020 my VA loan was sold to Nationstar Mortage. In the correspondence, the selling agent stated unless I chose to obtain a different lender, all aspects of my account would stay the same. I was enrolled in an accelerated payment program that deducted 1/2 of my mortgage payment biweekly which would result in an additional payment or 2 at the end of the physical year. I contacted Nationstar to inform them that I was in the accelerated program and it was my understanding that the payment arrangement would remain the same. The customer service representative told me that they did not have any such program. All payments made were to be in full on the designated due date. Any partial payments made would not be applied to the loan and sit in a temporary count until the full payment amount was collected. Any funds sitting in the temp account for too long would be returned to the sender. In addition, he expressly told me there were 2 avenues to making a payment ; sign up to have the full amount debited from my account at no charge or pay a fee to have bi-weekly debits from my account. I chose neither. I arranged through my bank to make bi-weekly payments just as I had done over the previous 15 years of the loan. Each payment has sat in an unapplied payment account all too often resulting in missed monthly payments and late fees being incurred. Just recently I was informed that my loan was in default for the same amount that sits in an unapplied account. While Nationstar did not honor the previous payment arrangements as agreed when they bought my VA loan, they are purposely not applying any and all payments sent throughout the billing cycle resulting in late fees and now delinquent payments that could be avoided. Each time this happens it adds to the life of what should be 15 years left on a 30-year loan. No matter when any payments are rendered it should be applied directly to the loan upon receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
I received a phone call from a company that identified themselves as Midland Credit Management, they said that I had an account with them that I owed money on, and advised me they were looking for attorneys in my area. The call was on XX/XX/2020, I told them I didn't recognize it and advised I wanted a debt validation letter and wanted to cease and desist all future phone calls. I advised not providing me those details they would be in violation of the FCRA, and FDCPA. They persisted and had two people on the line trying to make me pay a debt I don't even recognize, they said I had the account for 3 years and made payments on it, and kept trying to force me to resolve it then and there. I again advised them that I'm not paying it, I'm not answering any more questions, to send me a debt validation letter. I advised that all future correspondence needed to be mailed to me. I XXXX the name of the company and it's a legit company, but I can't believe a legit company would be using these kinds of collections tactics in 2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Purchased a laptop for XXXX {$4000.00}, paid XXXX {$800.00}, signed up for promotional credits to use BestBuy credit with Citi Bank. 

Waited for my card to come in the mail, never arrived, probably got charged late payment fee.

Got a new card a month after payment is due, set up a new account with new card, paid whatever minimum was due over the phone.

Discovered the following information within the account : Username :  XXXX Email : XXXX The email is linked to : Cell : XXXX *** XXXX Backup Email : XXXX I made this purchase at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX I believe there is internal fraud with the man responsible for my purchase - a XXXX, XXXX XXXX, XXXX XXXX, very knowledgeable about computers.

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 2020-10-13 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: CA

Complaint narrative:
I'm a victim of identity theft and someone actually opened up a credit card account in my name and I had no acknowledgement of it so I would like to get deleted off my reports

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 2020-10-13 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: CA

Complaint narrative:
I'm a victim of identity theft and someone actually opened up a credit card account in my name and I had no acknowledgement of it so I would like to get deleted off my reports

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: NV

Complaint narrative:
ATTENTION XXXX XXXX XXXX  ( XXXX XXXX XXXX ) I AM  SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft. I recently discovered through my monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$120.00} does not belong to me. This account was fraudulently opened through this company XXXX XXXX XXXX  ( XXXX XXXX XXXX in XXXX of 2019 an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire this account. I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I filed Chp XXXX, which was later converted to a chp XXXX. In the plan payments, Kohl 's agreed to {$280.00}, which was to be paid to their Bankruptcy attorney, XXXX XXXX  XXXX. The debt was paid in full, but Kohl 's is saying that I still owe {$78.00}. To make matters worse, they are reporting to the credit bureaus, which is a direct violation of the Chp XXXX bankruptcy. Because they keep doing that, it continues to affect my credit very negatively. This is borderline extortion. I have called both Kohl 's and XXXX XXXX  XXXX numerous times and neither are helpful. I have a letter from my attorney and emails from XXXX XXXX  XXXX that the debt has been totally paid. I have the check images of all the payments to XXXX XXXX  XXXX and have sent those to XXXX, but as of today Kohls ' refuses to acknowledge that the debt is paid and once again, reported the account past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EOS Holdings, Inc.
State: MD

Complaint narrative:
XXXX reported a {$670.00} collection account to the credit bureaus on XX/XX/XXXX. I disputed the collection account and it was removed. However, starting XX/XX/XXXX EOS CCA started reporting the same account amount {$670.00} as a new collection account even though it had previously been removed. I've disputed the EOS CCA account with the company. I've requested that they demonstrate that they are licensed in Maryland as required by Maryland statute, but they have refused to proved proof of license to operate in Maryland. Further, base don either the original XX/XX/XXXX XXXX reporting date or the XX/XX/XXXX EOS CCA reporting date, the debt ( if even valid ) is passed the 3 year Maryland statute of limitation and is noncollectable. My credit score dropped at least XXXX  points when EOS CCA started reporting the XXXX account as collectible. As a result I am unable to be approved for a conventional mortgage loan and I am currently at the low limit of qualification for a FHA loan. Just this month I was denied a rental application because of the EOS CCA collection account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Conduent Incorporated
State: PA

Complaint narrative:
My child supports acct was hacked. The card is in my possession but someone was able to use it today first at XXXX store for {$5.00} followed by 2 seperate charges at XXXX  XXXX  XXXX both in the amount of {$99.00} and the last charge that emptied my acct was to XXXX XXXX  # XXXX. After speaking with XXXX XXXX and in store managment they refused to reverce my pending charges. I called XXXX  and was unable to reach anyone on the phone as it keep me in the automated sytems. I reported my card stolen immediatly through the automated systems and have called about 12 times and on hold from anywhere from 5 mins to 2 hours. I was trying to get to them before the charges where no longer pending but unsuccessfully. I cam across this site in a message board with many others that have this same problem with  XXXX cards. Hope you can help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MI

Complaint narrative:
My 2nd mortgage is with XXXX XXXX, XX/XX/2020 we sent XXXX our monthly payment of {$260.00} which was returned to our checking account, XX/XX/2020 SPS sent us a letter stating that XXXX transferred our 2nd mortgage loan account to them. SPS informed my husband and I that we are in a Balloon Mortgage and the maturity date has expired as off XX/XX/2020 and they will not except any monthly payments but only except the balance of the loan which was {$23000.00}. My husband and I began to apply for various programs with SPS. XX/XX/2020 My husband and I was told that we were denied any programs ( Loss Mitigation and Loan Modification ) that we applied for because the maturity date on our loan expired. SPS informed us that the only option was to  do a short sale on our home, my husband and I do not want to lose our home and we are able to make monthly payments but we can not afford to pay the balance of the 2nd lien upfront. Our 1st lien  holder is XXXX XXXX  and that loan isnt due in full until XXXX. As of today ( XX/XX/2020 ) the balance with SPS has went up to over {$25000.00} due to late fees and other charges. SPS is unwilling to allow my husband and I to make monthly payments or accept us in any type of programs. SPS has sent Short Sale forms for us to sign and mail back to them, that is the only option that SPS is giving us.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Dear Transunion, I checked my personal credit report, which I acquired from your company on XXXX of XXXX and I noticed that a FRAUDULENT inquiry that had been made on XX/XX/XXXX is still being reported on my credit report. I contacted XXXX XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX XXXX, they can not see the inquiry and so they can not remove something that isnt there. I request that you initiate a REINVESTIGATION into XXXX XXXX XXXX  XXXX XX/XX/XXXX ) inquiry on my credit report to determine who authorized this hard inquiry. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. ( Do not send me anything via US mail. ) Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. If you find the inquiry referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT hard inquiry. Thank you for your assistance in this matter. Very XXXX, XXXX XXXX

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 2020-10-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
ATTENTION XXXX XXXX XXXX ( XXXX XXXX XXXX ) I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft. I recently discovered through my monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$120.00} does not belong to me. This account was fraudulently opened through this company XXXX XXXX XXXX ( XXXX XXXX XXXX in XXXX of 2019 an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire this account. I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.

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