vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: SC

Complaint narrative:
I attempted to send {$370.00} to a friend at work who arranges sympathy bouquets and meals for bereaved co-workers. 

The following is the email I received from PayPal : Dear XXXX XXXX, As part of our security measures, we regularly screen activity in the PayPal system. During one of these screenings, we noticed an issue concerning a recent transaction. 

In connection with the issue, PayPal 's Compliance Department has reviewed your account and identified activity that we have a couple questions about. 

To resolve the compliance inquiry in a timely fashion, PayPal is requesting that you provide the following information : On XX/XX/2020, you sent a payment ( XXXX ) for the amount of {$370.00} for, " Benevolence fund. '' Please provide the following information : An explanation of the reference to " Benevolence fund. '' The purpose of this payment, including a complete and detailed explanation of what is intended to be paid for. 

To provide this information, you can go to the Resolution Center. To  access the Resolution Center, log in to your account and click " Help '' at the top of any page, then click " Resolution Center. '' If you experience any issues in providing the information via resolution center, please email XXXX. 

We thank you for your prompt attention to this matter. We apologize for any inconvenience. 

Sincerely, XXXX PayPal Compliance Department 2020 PayPal XXXX Inc. All rights reserved. PayPal is located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 


I am unaware that any financial institution or company is allowed to ask for this amount of detailed and frankly personal information for a money transfer of this small an amount. Do we live in former XXXX XXXX or XXXX XXXX? I would ask that you contact PayPal and investigate this practice XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX, SC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 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: MARINER FINANCE, LLC
State: NJ

Complaint narrative:
On XX/XX/2020 I sent a certified letter to Mariner Finance XXXX XXXX   XXXX XXXX, XXXX, MD XXXX, which was received and signed for by their company on XX/XX/2020 requesting validation of account # XXXX by sending me competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them, and if they could not validate the debt, they are in violation of the FCRA & FDCPA and are required by law to remove any negative marks on my credit report. 

Their response dated XX/XX/2020 was a one paragraph letter stating that they reviewed the account on record and determined the the information reported on my credit file is correct. I received no documentation at all. 

This is a blatant violation of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. In addition, I notified them that I was disputing this item, and after well over a 2 month period, they have yet to mark the item as " disputed '' on my credit report, which is also in violation, therefore, this alleged account should be removed from my file.

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 2020-07-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
Jefferson CapitalSystems has reported a collection account to my XXXX, XXXX  & XXXX  credit files. I do not owe this alleged debt. If Jeffersonhas the right to collect this debt in accordance with the FDCPA I am asking for validation of this account via contractual documents stating and proving that I agreed to and that I am responsiblefor this account. Jefferson Collections has no legal right to attempt to collect a debt. Jefferson has not validated this debt nor sent me a notice of collection. Jefferson is inviolation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 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: I.C. System, Inc.
State: AZ

Complaint narrative:
In the process of repairing my credit score I disputed some old debt accounts that were listed with reporting errors and they were removed by XXXX. But I C Systems bought one of those removed old debt accounts and proceeded to reapply it onto my credit as a new debt with them and they are reporting it two times a month since XX/XX/2020. I have never directly communicated to this company nor did I receive any documents from them informing me who they were. I C Systems just suddenly appeared on my credit report claiming I had an account with them. I submitted a dispute to XXXX  on XX/XX/2020 to remove the account due to inaccurate dates on debt, this collection agency bought an old debt of mine from another collection agency and were claiming it was a new debt ( 2 months ) on my credit. 

XXXX  came back claiming that they investigated it and the account was up to FCRA requirements. But I investigated and found that what this debt collector is doing is against Federal Credit Reporting Policies. A collection account bought is considered a continuation of the original debt therefore the date of debt can not be changed to the purchase date the collector bought the account. " It is a violation of law for a collection agency to report old past-due amounts as if they are new again when the debts are sold. If an agency persists in reporting old debts with updated activity dates, you may have a legal case against them. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Experian has not responded to my multiple request for validation or confirmation of validity of the following accounts reporting to my credit report : Bankruptcy ( removed from XXXX  & XXXX  ) US DEPT OF EDXXXX {$20.00} & {$59000.00} ( removed from XXXX  and XXXX ) XXXX {$4300.00} ( Removed From XXXX  and diffrent amount shows on XXXX  report {$4400.00} ) XXXX XXXX   {$870.00} ( removed from XXXX  and Balance shows as {$0.00} balance on XXXX ) XXXX XXXX XXXX ( Removed from XXXX  and XXXX ) XXXX XXXX XXXX ( Removed from XXXX  and XXXX  ) XXXX Score Rewards ( Removed from XXXX as invalid ) Letters have been sent requesting proof that I am responsible for these accounts and documentation used by experian to validate. All student loans were paid off and reported to all credit agencies. The bankruptcy was never verified by the furnisher as they have provided documentation that they do not provide such information to credit agencies. Experian fabricated there means of verifying this information and stated that they verified using XXXX XXXX I have attached documentation showing that my lexis nexis account has been frozen since XX/XX/XXXX of 2018. 

I have made multiple complaints with CFPB and Experian always avoids responding by stating that I am not XXXX XXXX and that I am some sort of agency. They have been stalling for years using the same tactics. They have no right to report this information and have not provided any documentation explaining how the student loan accounts showed as paid off on all 3 credit bureaus then placed back on my experian account without notice or how they verified the public record with the court which does not provide this information to Experian. All request for validation on all other accounts remaining have also been ignored. Please see all documents attached as well as the recored call with Experian confriming Student Loans are paid off. ( they will not take calls from me anymore at this point ) They are avoiding me and by doing so they are committing fraud and causing so much damage by their negligence and refusal to abide by the FCRA.

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 2020-07-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I lived at XXXX XXXX XXXX for just over a year. When I found a bigger place to live the landlord at XXXX told me to not pay my last months rent and he would use my security deposit to apply towards it. The day I turned in my key I left my new address and contact information with the manager, XXXX. I wrote it on a piece of paper and handed it to him, he then put it in my file. I stood there and watched him do this. A few weeks later I received a collection notice in the mail from XXXX XXXX. I went to the apartments to speak with the manager, he told me they kept my security deposit because I didn't pay my last months rent, I reminded him of what he told me, not to pay my last months rent, he would apply my security deposit to pay it. I asked why I didn't get a letter in the mail explaining why they kept my security deposit, he shrugged his shoulders. Please see attached a copy of the lease initialed by me, it states that my security deposit can be used towards the last months rent. On the lease it states " If the landlord fails to give you the required notice within the 30 day period, he or she forfeits the right to impose a claim on the security deposit. '' I never received any notice. On the attached document please read # 12 and # 24 where it clearly states that the security deposit can be used for the months rent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 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: TX

Complaint narrative:
I filed a dispute thru Equifax on XX/XX/XXXX on a XXXX XXXX account for late payments. The dispute was closed on XX/XX/XXXX and Equifax is still reporting a late payment for XX/XX/XXXX. Equifax stated that my account was closed on XX/XX/XXXX per the company but I was still late in XX/XX/XXXX. I asked If I closed the account on XX/XX/XXXX why do I have a late payment in XXXX? She proceeded to say that its is XXXX XXXX who is reporting the late payment. I contacted XXXX XXXX  and they state it is Equifax that is reporting wrong information. Equifax may not be fully investigating the dispute. I would think someone would question if the account was closed in XX/XX/XXXX why is there a late payment in XXXX. I have filed several disputes through Exquifax for this account thru XXXXXXXX XXXX and it appears Equifax is not Fully investigated the dispute. 

Please see below the Company 's ( XXXX XXXX ) complaint response through Consumer Financial Protection Bureau verifying I have NO late payments. Compliant number XXXX Company responded STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response XXXX XXXX XXXX XXXX ( XXXX ) appreciates the opportunity to respond to the concerns you have regarding account ( XXXX ) XXXX. We have a more than 130-year history of quality customer service and satisfaction, and I would not want anything to impair that record. Our contact information is located on your retail installment contract or promissory note and security agreement, invoice, coupon book, and welcome letter. As a reminder, you may contact XXXX regarding questions about your purchase by calling our Customer Service Helpdesk at XXXX, or on-line at XXXX. We have investigated your concerns and as a result of our investigative measures, your complaint has been Closed with explanation. : 1. You paid the account balance in full in XX/XX/XXXX ; 2. There was a delay in closing the account ; and 3. XXXX  processed a manual AUD on XX/XX/XXXX to correct the credit reporting. According to our records, you signed a 36-month promissory note and security agreement on XX/XX/XXXX and you agreed to have the minimum monthly payment of {$120.00} due on the XXXX of each month. You made your final payment on XX/XX/XXXX ; however, there was a delay in closing the account. XXXX closed the account on XX/XX/XXXX. XXXX processed a manual AUD on XX/XX/XXXX to correct the delinquent credit marks that were assessed on the account due to the delayed closing. XXXX  processed a bullseye report on XX/XX/XXXX and confirmed that no delinquent credit marks are being reported on the account. We have included a copy of your signed documents and payment history for your records. XXXX appreciates you for bringing your concerns to our attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 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:
For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts that have been open or are open. Please remove these accounts from my report as soon as possible. They do not belong to me. CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} XXXX XXXX XXXXXXXX {$15000.00} XXXX XXXX   XXXX {$130.00} XXXX XXXX {$890.00}

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 2020-07-29 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:
For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts that have been open or are open.  Please remove these accounts from my report as soon as possible. They do not belong to me. CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} XXXX XXXX XXXX {$15000.00} XXXX XXXX   XXXX {$130.00} XXXX XXXX {$890.00}

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 2020-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Synovus Bank
State: CA

Complaint narrative:
In an attempt to rebuild my credit after a bankruptcy I applied for a pre-paid credit card. I sent them {$1000.00} and was supposed to receive the card within 10 days. More then 2 weeks had passed when I finally went to the website to try and get some help. They do not list a phone number. I managed to find their phone number elsewhere online and called them repeatedly. They seem to have no record of me and yet they took my money. Someone always puts me on hold to " go look into it '' and then never comes back to the phone. This has happened three times. The company 's name is First Progress. Oddly, enough they come very highly recommended by XXXX XXXX. I also reported them to the XXXX XXXX XXXX whom First Progess is a member of, again oddly enough. The XXXX was supposed to send me an email with a complaint  form to fill out but they never did.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 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 for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. CHAPTER XXXX  BANKRUPTCY DISCHARGED XXXX  CHAPTER XXXX  BANKRUPTY DISMISSED XXXX US DEPED XXXXXXXX {$23000.00} XXXX XXXX XXXX XXXX {$2000.00} XXXX XXXXXXXX {$3800.00} XXXX XXXX XXXXXX {$3000.00} XXXX XXXXXXXX {$22000.00} US DEP ED XXXXXXXX {$1700.00}

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 2020-07-29 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 for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX CHAPTER XXXX BANKRUPTY DISMISSED XXXX US DEPED XXXX {$23000.00} XXXX XXXX XXXX XXXX {$2000.00} XXXX XXXX {$3800.00} XXXX XXXX XXXX {$3000.00} XXXX XXXX {$22000.00} US DEP ED XXXX {$1700.00}

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 2020-07-29 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: IL

Complaint narrative:
Someone in Experian and XXXX credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, gave me two letters of release stating the debt wasn't mine Experian and XXXX  keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through Experian. 


My correct address is XXXX XXXX XXXX XXXX IL XXXX My name is XXXX XXXX  XXXX My phone number is 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 2020-07-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I refinanced in XX/XX/2019. I sent a check on firstXX/XX/2019 to the new lender, XXXX XXXX   XXXX. A different lender called XXXX mortgage bought the loan, but the funds were not sent to them. Instead the check was endorsed and sent to a different servicer unknown to me called Nation Star. 

Nation Star cashed the check and has not sent the money to the current servicer. When I have called they state they have no record of my loan. 

XXXX XXXX  XXXX refuses to provide evidence as to why they sent the check to Nation Star. 

Both my current lender and XXXX XXXX  XXXX state that they were the only two lenders involved. I have submitted the check to all 3 lenders, it was endorsed from XXXX XXXX XXXX to Nation Star, I have provided a copy of the post date with reference number from my bank. 

Nation Star will not claim responsibility, Neither will XXXX XXXX  XXXX and my current lender XXXX mortgage is not adequately investigating. 

I have been dealing with this problem for 9 months and the money has still not been located.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Starting in XXXX my mortgage was put on the CARES act forbearance due to financial struggles. My credit score dropped by 50 points because of this. The CARES act provides protections against negative impacts on credit scores due to forbearance. I have contacted my mortgage company multiple times regarding this issue and it still has not been 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 2020-07-29 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:
Starting in XXXX my mortgage was put on the CARES act forbearance due to financial struggles. My credit score dropped by 50 points because of this. The CARES act provides protections against negative impacts on credit scores due to forbearance. I have contacted my mortgage company multiple times regarding this issue and it still has not been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 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:
Starting in XXXX my mortgage was put on the CARES act forbearance due to financial struggles. My credit score dropped by 50 points because of this. The CARES act provides protections against negative impacts on credit scores due to forbearance. I have contacted my mortgage company multiple times regarding this issue and it still has not been 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