vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XX/XX/2019, XXXX XXXX  agreed to do a pay for delete on a charged off bank account I had. Once I paid, they refused to follow the proper chains to have everything deleted. They are a rip-off.

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 2020-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
XX/XX/2019, XXXX XXXX  agreed to do a pay for delete on a charged off bank account I had. Once I paid, they refused to follow the proper chains to have everything deleted. They are a rip-off.

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 2020-10-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Cohen & Cohen Law, LLC
State: NY

Complaint narrative:
I contacted XXXX XXXX XXXX  on XX/XX/XXXX in regards to a notification on my credit report. They informed me of my balance of XXXX that was sold to XXXX XXXX XXXX. They gave me a telephone number 0f XXXX with and address of XXXX XXXX XXXX XXXX South Carolina XXXX. I called the number and the number was actually to XXXX XXXX XXXX a company that manages accounts for XXXX XXXX XXXX. XXXX  referred me to XXXX gave us reference number XXXX and a telephone number of XXXX. I called the number and left a message no live agent available. I referred to a letter I received the Law offices of Steven Cohen LLC address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ny XXXX telephone number XXXX. I was placed with a manager named XXXX my husband asked him questions about the letter received and why the balance was over XXXX currently when the debt purchased price was XXXX. He said because there was a judgment placed in XXXX County by XXXX XXXX  XXXX and gave me an index number XXXX after looking into it there was no such index number or judgment. The Law Offices of Steven Cohen said it was placed in XXXX. I contacted XXXX XXXX XXXX at XXXX they would not release any information about any judgments and informed us XXXX XXXX XXXX recalled the account. After doing another search for a judgement I contacted XXXX County Sherriff the deputy informed me that they had just today received a judgment from the Law Offices of Steven Cohen and I would received paper work for it within 2 days. The same company that had told me I had a judgement from XXXX for the same exact matter. When I had first contacted the Law Offices of Steven Cohen XXXX XXXX answered the phone with music blasting I gave her my name she pulled up my account. I feel that the amount they are trying to collect is illegal and unfounded and their methods of intimidation to collect the amount of money are blatant violations of the FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PENNYMAC LOAN SERVICES, LLC.
State: MI

Complaint narrative:
Dear CFPB, Please find my complaint against XXXX and PennyMac for fraud ; misrepresentation, deceit, identity theft and other crimes. 

On XX/XX/XXXX I went to local tax office to check if PennyMac paid for my taxes. 

XXXX XXXX  had no records that PennyMac paid my taxes - but it was done by XXXX who did it twice - in XX/XX/XXXX and XXXX, XXXX. In other words, as soon as XXXX XXXX removed PennyMac from their XXXX system, PennyMac was unable even pretend to do any servicing functions. 

PennyMac on XX/XX/XXXX told me that XXXX as their " tax vendor ''. 

XXXX previously claimed that XXXX has no relationship to my loan. 

Since XXXX  is now my " tax vendor '', I demand XXXX  to confirm their status as PennyMac 's tax vendor ; identify which Company handles my escrow account ; and provide me the name of the company whom PennyMac and XXXX are servicing. 

XXXX informed me that Servicing rights were transferred to PennyMac ( but did not mentioned WHOM XXXX serviced from XX/XX/XXXX to XX/XX/XXXX ) PennyMac continue to insist that they PURCHASED my loan from someone whom PennyMac can not identify. XXXX never mentioned any sales of my loan to PennyMac. 

I demand PennyMac to identify the Seller of my loan ; provide me a copy of release of my so-called " lien '' to the prior " owner '' of my loan and explain why this release is not recorded with VA as required by their rules. 

My checks are always cashed by XXXX  XXXX XXXX who deny any relationship to my loan ; and collected and processed by XXXX/XXXX.. My taxes are paid by XXXX who bear to repeat deny their relationship to my loan. 

PennyMac continue to pretend to be a SErvicer without ANY evidence regarding the establishment or current status of the account reflecting ownership of my alleged obligation. 

While I have a pile of evidence that PennyMac is merely an actor for hire to play " Servicer 's '' role hired by Investment Banks ; and the actual " servicers '' are XXXX  and XXXX XXXX  who serves their masters ( investment banks ) and is willing to sacrifice itself and the self-proclaimed servicers to protect the XXXX ( investment bank ). 

This means that all records, payment history and document handling does not originate with XXXX, XXXX or PennyMac, but rather with XXXX XXXX and XXXX, who are actually answering to an investment bank who receives both proceeds from my payments and who pockets my escrow money ( taxes are paid by XXXX from a pool operated by XXXX  XXXX XXXX received from sales of derivatives to investors ) And the investment bank ( here : XXXX  XXXX XXXX ) receives it as off balance sheet transactions that are actually revenue that is untaxed. This game has been played by investment banks for last 20 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: IL

Complaint narrative:
As a result of identity theft a XXXX account was opened in my name unauthorized. I reached out to the XXXX XXXX  company to get this matter resolved but had no luck. I provided them with all the information necessary to get this matter resolved and I had no success.

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 2020-10-06 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been a paid subscriber of XXXX for awhile, and these 2 collectin accounts are showing with no name & no address just a balance. I have challenged these accounts for several months with Equifax and they come back as mine as well as reported the accounts and Equifax to you the CFPB last month and Equifax said hey would  send coorespondence on XX/XX/XXXX and I never received anything! I called them 2 weeks later and they didn't know what I was talking about ... 

I am a victim of Idenity Theft I have contacted XX/XX/XXXXsenveral times and each time they say they will transfer me and the wait is always 30 minutes or more and they offer a callback and I never get one..

It is illegial for accounts to sh
ow without their own contact information and creditor name as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: PA

Complaint narrative:
On XX/XX/2020 i was charged {$240.00} for a Refund Reverse from XXXX for a product i already was redunded for. I spoke with XXXX they said they did not dispute the refund. They granted me my refund. But Cash App claims that they disputed it and charged me an additional {$240.00} to my account. Leaving me at XXXX i need help. Ive reached out to Cash App they tell me reach out to XXXX. XXXX said they didnt take my money. They tell me reach out to Cash App. Its just frustrating and i have a monthly budget. I couldnt pay some bills because of this. And i still have no help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 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: VA

Complaint narrative:
WALLET WAS STOLEN AND FRAUDULENT ACCOUNTS WERE OPENED UNDER MY NAME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 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: VA

Complaint narrative:
WALLET WAS STOLEN AND FRAUDULENT ACCOUNTS WERE OPENED UNDER MY NAME.

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 2020-10-06 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: NY

Complaint narrative:
To whom it may concern, I am a single parent trying to raise XXXX children. I recently checked my credit score. I have a few hard inquirys i never  authorized XXXX  XX/XX/2020, XXXX/XXXX  XX/XX/2020 and it appears on my credit report I never authorized anyone to run my credit on said dates and i did not try to apply for these cards nor did I ever with said companies. This is fraud and I would like removed from my credit file and to all credit agencies unless you can show me a document stating and showing me where I signed & gave permission. I have no relationship with either company. I also see there are Derogatory Marks the first one XXXX  which is on behalf of XXXX I don't owe them anything they are mistaken, XXXX on behalf of XXXX XXXX   they are mistaken. anything involving those 2 companies they were paid and it was resolved and no where near that amount of money. XXXX and XXXX  both on behalf on XXXX XXXX  pretty sure that one is also something not authorized by me. I am asking under the fair credit reporting act for these to be looked into and to be removed from XXXX, XXXX, experian and any reporting companies. Thank you for you time. I have also attached to photo 's so you can see what I am looking for to be removed as it is all inaccurate information which is hurting my credit score

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 2020-10-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have 2 credit cards - Citi Premier Credit Card and Citi Costco Anywhere Credit card issued by Citi. Both cards are expired this year & I received notification from Citi that the cards won't be reissued due to " bankruptcy or a charge-off on another credit card account issued by Citi ''. When I received the notice, I immediately called Citi to inquiry and try to solve the issue to prevent my credit card account being closed. As for record, I do not have bankruptcy or charge off from any  credit card issued to me in the past. On XX/XX/2020, I faxed a credit report I pulled from XXXX  from XX/XX/2020 to Citi to show proof that the reason they denied my credit card renewal is incorrect. However, Citi didn't properly address my inquiry and as of result of it, my Citi Premier Credit Card was closed after XX/XX/2020. I was about to do a mortgage refinance and obtain 2 new credit cards from XXXX XXXX   and XXXX in between XXXX - XX/XX/2020. So I am simply don't understand why Citi won't reissue the credit card and Citi couldn't provide the proof which stated about the bankruptcy/charge off when I asked for. 
It is such a frustrating experience to deal with Citi Credit Card department about such incident when I clearly understand that they make a mistake and I am being proactively to address the issue.

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 2020-10-06 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: GA

Complaint narrative:
I have disputed the inaccurate reportings with TransUnion, XXXX, and XXXX  several times to no avail. The following addresses are incorrect and do not belong to me, XXXX XXXX, XXXX XXXX, and XXXX XXXX. I never paid the following accounts late, XXXX : TransUnion is reporting a status of 60 days late, XXXX  is reporting no late payments and XXXX  is reporting a status of 60 days late, XXXX : TransUnion is reporting a status of 120 days late, XXXX  is reporting a status of 180 days late, XXXX  is reporting a status of 120 days late. The following accounts do not belong to me and should be removed from my credit file, U S Dept Of ED/XXXX Account Number XXXX TransUnion is not reporting this account, XXXX  and XXXX  are reporting an opened date of XX/XX/XXXX, XXXX Account Number XXXX TransUnion is reporting an  opened date of XX/XX/XXXX, XXXX  is reporting an opened date of XX/XX/XXXX, XXXX  is not reporting this account, XXXX Account Number XXXX TransUnion is reporting an opened date of XX/XX/XXXX, XXXX  and XXXX  are reporting opened dates of XX/XX/XXXX, U S Dept Of ED/XXXX Account XXXX XXXX TransUnion is not reporting this account, XXXX and XXXX  are reporting an opened date of XX/XX/XXXX, U S Dept Of EDXXXX Account Number XXXX TransUnion is not reporting this account, XXXX  and XXXX are reporting an opened date of XX/XX/XXXX, XXXX XXXX Account Number XXXX TransUnion is reporting an opened date of XX/XX/XXXX, XXXX  and XXXX are reporting opened dates of XX/XX/XXXX, U S Dept Of ED/XXXX Account XXXX XXXX TransUnion is not reporting this account, XXXX  and XXXX  are reporting an opened date of XX/XX/XXXX, XXXX  XXXX XXXX  Account Number XXXX TransUnion is reporting an opened date of XX/XX/XXXX, XXXX and XXXX  are reporting opened dates of XX/XX/XXXX, U S Dept Of EDXXXX Account Number XXXX TransUnion is not reporting this account, XXXX   and XXXX are reporting an opened date of XX/XX/XXXX, U S Dept Of EDXXXX Account Number XXXX TransUnion is not reporting this account, XXXX  and XXXX  are reporting an opened date of XX/XX/XXXX. I have reached out to the credit bureaus to help me in getting this matter resolved. Is TransUnion, XXXX  and XXXX  considered to be furnishers? These accounts either do not belong to me or were not paid late and TransUnion, XXXX  and XXXX  have failed to plead their case to who has provided them with this false information. Please help me to get this matter resolved.

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 2020-10-06 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: TN

Complaint narrative:
The credit card company is showing my account as 30 and 60 days late payment it is showing during a time when my account was showing as not being reported.

I was never late with my payments. I tried contacting the company but they did not do anything to resolve the issue. My account number is not showing on the account and they said they can't give it to me because of confidential reasons so I don't have the account number and it is not showing up on the report. The account is closed because I have not been using 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 explanation
Consumer complaint received 2020-10-06 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: TN

Complaint narrative:
The credit card company is showing my account as 30 and 60 days late payment it is showing during a time when my account was showing as not being reported.

I was never late with my payments. I tried contacting the company but they did not do anything to resolve the issue. My account number is not showing on the account and they said they can't give it to me because of confidential reasons so I don't have the account number and it is not showing up on the report. The account is closed because I have not been using this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
The credit card company is showing my a

ccount as 30 and 60 days late payment it is showing during a time when my account was showing as not being reported. I was never late with my payments. I tried contacting the company but they did not do anything to resolve the issue. My account number is not showing on the account and they said they can't give it to me because of confidential reasons so I don't have the account number and it is not showing up on the report. The account is closed because I have not been using 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 explanation
Consumer complaint received 2020-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I opened a new Paypal account after Paypal kept using my bank account to pay for transactions and refused to remove it. I opened the new account and received 2 payments. Immediately, Paypal froze the funds after deducting fees and while holding my money ransom, they're now demanding government ID, social security numbers etc. I refuse to provide such sensitive information to an online platform as I do not know what they will do with it or how secure their systems are. I offered to provide proof of shipping but they're refusing to release my money. If they wanted ID and other personal information, they should have requested this before creating the account, before  accepting my money and before charging fees. XXXX from customer support now says they will refund the money to the payer. What about the fees they deducted? What about the items that were shipped to the customer? Who compensates me for Paypal 's bait and switch tactics? It's impossible to get through to Paypal 's customer service and I've tried calling and emailing them multiple times. This business 's practices are extremely fraudulent and deceitful. I want my money released as they have already deducted fees and customers have already received their items. It's illegal for a business to take my money on one set of terms, then demand items I  never agreed to and now refuse to release my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I agreed to do a pay for delete with XXXX XXXX XXXX XXXX. I paid an account of that was charged off to collections. Once I paid the account off, XXXX refused to delete the negative reporting off my credit file with the 3 credit bureaus as they agreed to do so.

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 2020-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I agreed to do a pay for delete with XXXX XXXX XXXX XXXX. I paid an account of that was charged off to collections. Once I paid the account off, XXXX refused to delete the negative reporting off my credit file with the 3 credit bureaus as they agreed to do so.

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
Consumer complaint received 2020-10-06 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
This account have been recently investigated, closed, and deleted from my XXXX  and XXXX credit report. I would like for this account to be deleted from my XXXX credit report. Inaccurate information is hurting my credit profile and by law I would like for this account to be deleted immediately please.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 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: Synovus Bank
State: LA

Complaint narrative:
I agreed to do a pay for delete with a credit card that I had with 1st Progress/ XXXX XXXX. I paid an account off in XX/XX/2019 that was charged off to collections. After paying the account off 1st Progress did not delete the account like they said they would.

Company response to consumer: Closed with explanation