vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-27 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: Lending Club Corp
State: TX

Complaint narrative:
I have tried for several months to correct this matter with Lending Club to no avail. Lending club reports two loan accounts on my XXXX report with nearly the same balance. These are duplicate accounts and one of them should be removed from my XXXX report. 

This uncorrected errors presents a hardship to me because it shows that my overall debt is significantly more than what it is. I have tried reaching out to lending club directly for at least 4 times. This has been going on for at least 5 months, but I am told the matter will be corrected in 30 days, but it not corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. They told me to wait 180 days and its been pass that. I also called the department to find out what was the release date which they said it was XX/XX/2021. Its XX/XX/2021 and still no updates. I have called the customer service number and spoke with the supervisor and they just informed me ti just keep check on my email because the department that has that information they cant contact them. My email linked to my PayPal is " XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 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: FL

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: NC

Complaint narrative:
This alleged debt is not mine nor am I obligated to pay it. I don't care what " validation, proof, etc '' ARS has, I am not responsible for it. The fact ARS refuses to remove it, is a violation, as well as, an injury to my consumer report well being. 15 USC 1692k civil liability {$1000.00} per violation for the damages.

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 2021-09-27 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: TX

Complaint narrative:
I have tried for several months to correct this matter with XXXX XXXX to no avail. XXXX XXXX reports two loan accounts on my EQUIFAX report with nearly the same balance. These are duplicate accounts and one of them should be removed from my Equifax report. 

This uncorrected errors presents a hardship to me because it shows that my overall debt is significantly more than what it is. I have tried reaching out to XXXX XXXX directly for at least 4 times. This has been going on for at least 5 months, but I am told the matter will be corrected in 30 days, but it not corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: FIRSTBANK PUERTO RICO
State: TX

Complaint narrative:
We started the Short Sale process on XX/XX/2021 and submitted all the necessary documents ( statements, pay stubs, W2s, Tax Income, etc. ) to First Bank of Puerto Rico. Then they requested more documents and we submitted them on XX/XX/2021. Then, First Bank of Puerto Rico send a letter requesting more documents, this time new documents that were not part of the initial packet. On every occasion we submitted the documents promptly. Again, on XX/XX/XXXX they requested more documents and were submitted the next day. We have been trying to constantly communicate with the Loss Mitigation Specialist but no success. Her info is : XXXX XXXX XXXX XXXX XXXX Loss Mitigation Specialist Mortgage Default Tel XXXX Ext. XXXX I called on XX/XX/XXXX and left a message with a person from First Bank that was going to reach out to XXXX XXXX but at this point we still haven't received an update. This process started more than 6 months ago and we still haven't heard a decision on our case. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 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: PA

Complaint narrative:
Upon reviewing my credit report I have found inaccuracies on an alleged debt that is impacting my credit character as a consumer and is hindering me from getting hired at a specific place of employment. Information that should, if from the same furnisher, should be reporting the same across all three credit reporting agencies but are not, which by law is a violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
FCRA ( Fair Credit Reporting Act ) section 609 ( c ) ( 2 ) ( E ) requires the removal of derogatory information that can not be verified. The following accounts listed below can not and have not been verified. My previous disputes with the 3 agencies have been ignored to date. Please provide a FULL CONSUMER FILE DISCLOSURE as described in 15 U.S.C. Section 1681g ( a ) ( 1 ) for verification of debt and material facts. 

1. XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX ) Account Number : XXXX 2. XXXXXXXX XXXX ( Original Creditor : XXXX XXXX  ) Account Number : XXXX 3. XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX ) Account Number : XXXX The entries are REPORTING AND DATA FURNISHER VIOLATIONS OF 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. 


REMOVE UNAUTHORIZED Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-09-28 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
FCRA ( Fair Credit Reporting Act ) section 609 ( c ) ( 2 ) ( E ) requires the removal of derogatory information that can not be verified. The following accounts listed below can not and have not been verified. My previous disputes with the 3 agencies have been ignored to date. Please provide a FULL CONSUMER FILE DISCLOSURE as described in 15 U.S.C. Section 1681g ( a ) ( 1 ) for verification of debt and material facts. 

1. XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX ) Account Number : XXXX 2. XXXX XXXX ( Original Creditor : XXXX XXXX  ) Account Number : XXXX 3. XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX ) Account Number : XXXX The entries are REPORTING AND DATA FURNISHER VIOLATIONS OF 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. 


REMOVE UNAUTHORIZED Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
i believe im not being credited and that my girlfriend is being credited instead, somehow me and my girlfriends social security number is mixed up, i recently financed a car at XXXX XXXX in XXXX il on XXXX XXXXafter six months i realize i wasn t being credited for the loan on the car in which i was making payments too, i furthur realize my girlfriend was being credited instead of me somehow the car lot mixed up our social security numbers and that is why im not being credited

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 2021-09-28 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: LA

Complaint narrative:
Warning to Remove All Incorrect Items from my Credit Report ASAP!!!!!! 
I recently sent you a request to reinvestigate the information previously disputed. I have attached my previous correspondence for you to revisit. 
The computer-generated response I received is unacceptable and I am losing patience. If the information is not immediately reinvestigated and removed, I will be forced to seek legal counsel for relief through the court and file complaints with regulatory enforcement agencies including the CFPB, FTC and my state attorney general.

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 2021-09-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
I had XXXX and cancelled it. Returned the equipment, ( of which I no longer have proof. It was right before COVID and I moved. ) but I may not have paid the last bill, I don't remember. Regardless, I started getting frequent calls from - Credence Resource Management , LLC XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX Office Hours : Monday to Friday XXXX XXXX  EST To XXXX XXXX PST and Saturday XXXX XXXX  EST To XXXX XXXX  Toll free # XXXX around XXXX. I talked to them one of the times, and they said I owed {$1100.00}. I explained that I had sent the equipment back and I no longer had the service. I explained that I may have owed a month but I returned the equipment so why was it so much. He said that the bulk of the bill was not the equipment, but the bill itself. I asked him what company would let you keep your service long enough to accumulate that much debt for internet/cable? I then gave him my email and asked him for and itemized bill that shows how the debt became that much. He told me it would take 3 days. I got the email and viewed the documents. It was two consecutive bills that did not show how the big debt accrued but it was just added on from a previous bill. No itemized reason for the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
On XXXX I wrote a Bank of America check to my XXXX  for {$40.00}. When I got my statement Bank of America on XXXX I saw they took {$400.00} instead of {$40.00}. I printed up a copy of the check and the Transaction Details which clearly shows a check for {$40.00} and {$400.00} being taken out of the account. I called that day and the representative connected me to another department that was closed. I called again on XXXX and the representative assured me that my account would be credited for {$360.00} on XXXX and gave me a case number. I still did not have it on XXXX so I called again and was assured my account would be credited by the end of the day. Today is XXXX after XXXX and my account has still not been credited.

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 2021-09-28 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: LA

Complaint narrative:
Warning to Remove All Incorrect Items from my Credit Report ASAP!!!!!! 
I recently sent you a request to reinvestigate the information previously disputed. I have attached my previous correspondence for you to revisit. 
The computer-generated response I received is unacceptable and I am losing patience. If the information is not immediately reinvestigated and removed, I will be forced to seek legal counsel for relief through the court and file complaints with regulatory enforcement agencies including the CFPB, FTC and my state attorney general.

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 2021-09-28 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: TN

Complaint narrative:
I previously had an auto loan with XXXX XXXX which began XXXX XXXX. This auto loan was paid off in XXXX of 2021. 
Also, in XXXX I requested on a recorded call for XXXX to have all late payment ( s ) removed from my credit report, XXXX agreed on this phone call that these changes will be made. XXXX made updates but failed to remove ALL late payments from my credit report as agreed. 
I called XXXX twice a week from XXXX to XX/XX/2021 checking the status of the removal of these late payments each time they confirmed our agreement and told me it was still in process. 
As of XX/XX/2021, XXXX have yet to remove ALL late payments from my credit report as agreed. I am simply requesting XXXX to please remove these late payments 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 2021-09-28 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: OneMain Finance Corporation
State: WI

Complaint narrative:
I found several unfamiliar credit inquiries on my credit reports, I have already contacted the company via phone & letter ( mail ) & no response. I have notified the credit bureaus as well. 
XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX ONEMAIN XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax has hard inquiries on my consumer credit file in violation of the law. I filed a complaint with the CFPB and Equifax did not address my complaint at all. Their response was vague and did not provide their next steps.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: WI

Complaint narrative:
A few months back I sent out a debt validation letter and this collection was removed from my report and now it is back it keeps getting removed and added back with different debt collectors. This is not my debt and I ask that it be removed and not put back on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
My Name is XXXX XXXX Todays Date is XXXX XXXX My XXXX Report Number : XXXX And My FTC Report Number Is XXXX Iam The Only One Writing This Complaint Because My personal Information Was Exposed In A Data Breach I Checked Online & Found Out About The Data Breach I Looked Up My Credit Report I Found Inaccurate, False And Fraudulent Information That Don't Belong To Me I Contacted My Local Police Made A Report They Also Told Me To Make A Report With FTC Because Of Jurisdictions Ive Listed As Many Fraudulent Account As I Could .Also Recently I Called XXXX Filed A Dispute Myself And Also I Went Online Submited A Dispute And That Wasn't Helpful At All These Fraudulent Debt Is Hindering My Ability To Apply For My New Home Loan I Don't Know Where To Start Or The Next Step To Take To Remedy This Situation Which Has Caused Financial And Emotional Stress Worst Part I Was Denied A Job Based On Negative Information On My Report, Due to Covd19 I Was Recently Laid Off My Last Employer Now Every Employment Job Opportunity Is Online Based With Background & Credit Check Which Ive Been Denied Due To False Information Reporting With Experian..I Have Been Subjected To Adverse Action Pertaining To The CRA 's Reporting Inaccurate Information As A Result Of Fraud Am A Victim Of Identify Theft And I Already Placed A FRAUD ALERT On My Credit Reports Here 's The List Of The Fraudulent Account : TD AUTO FINANCE Account number XXXX {$14000.00} XXXX Even Called XXXX Today Waited 3 Hours Before Someone Answered The Phone Just To Hang Up In My Face I'm Very Disapointed With The Way XXXX Has Been Handling My Report 103 true Identity theft ) I am a victim of identity theft. The information listed below, which appears on my credit report, FTC Report Number XXXX XXXX ( b ) Block. Item must be blocked in no less than ( 4 ) days

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC
State: NC

Complaint narrative:
I received a letter approximately XX/XX/XXXX stating that my escrow account was short, when I looked at the balances I noticed my escrow account had paid someone elses property taxes along with my own. When I called and verified that they paid the wrong taxes they assured me it would be handled within 30 days, when I called back on XX/XX/XXXX they said things look good and call back on the 24th to make sure everything was handled. When I called back nothing had been completed and my escrow account was still negative approximately {$2000.00}. So now I am stuck with a {$400.00} a month payment higher than I should have due to their error my normal payment is {$580.00} and my new payment due to their error is {$1000.00} and there seems to be no fix in sight. I have to wait for them to get a refund from the local tax Authority before they can fix my account, I dont feel as I should over this debt being it was their mistake. Why do I have to wait for them to get a refund before fixing my escrow balance making the mistake my liability

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 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: NV

Complaint narrative:
i sold my car to XXXX on XX/XX/2021 & someone ran my credit for a vehicle in which i had no interest in buying, the very next day w/o my consent ... and shortly there after i had a brief interest in purchasing an ( electric vehicle ) i.e. ( XXXX ) and my credit report was ran on numerous occasions by ( vroom ) w/o my consent over and over on every occasion that i had called in to inquire about a vehicle including not being told that i was approved for a loan with lower down payment, only to have my credit ran again for a higher down payment. while speaking to a representative and giving him my social security number to retrieve my account information he deliberately ran my XXXX XXXX to two minutes prior to closing and was adamant that he did not run my credit and disconnected the call shortly after that, i had received an alert during the conversation that my report was ran by this company and i have screen shots from my device to show the time of the call and the alert to be in synch. 

ditto for ( XXXX ) changing the down payment amount after continueously emailing me with dates to pickup a particular vehicle ( XXXX XXXX electric vehicle ) ... all three ( 3 ) of the companies listed continued to engage in illegal and fraudulent practices that have damaged my credit rating with over thirty inquiries within a two to three week span. 

this is unprecedented.

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