vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commercial Acceptance Company
State: MI

Complaint narrative:
On XX/XX/2022, I received a letter from Commercial Acceptance Company about a debt collection from XXXX XXXX XXXX for an amount of XXXX. It stated that I refused to cooperate and pay the debt with request to pay within 5 days, but I I dismissed this as I believed it was a scam as I have not used any services at all and do not live anywhere near XXXX XXXX XXXX. 

Sometime in XXXX, the debt appeared in my credit report. I submitted a dispute with XXXX on XX/XX/2022 stating that it was incorrect, but the result were found accurate after that. 

I contacted the company and stated the information above and they said to submit a police report as this may be identity theft. I looked further in my credit report and saw incorrect name and a New Jersey address in my report which is very incorrect as I have never lived anywhere near New Jersey. With this I re-submitted the dispute with XXXX on XX/XX/2022 to remove the debt and to remove the address and name that was incorrectly in my report. They remove the incorrect name and address, but still stated the debt as accurate. 

I submitted the police report on XX/XX/XXXX ( I was on vacation so couldn't submit it beforehand ) and sent the letter to the collection agency sometime in XXXX. I also submitted an identity theft report. 

As of now I have not received any feedback from this and the debt is still in my report. Not sure what next steps to follow.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
reporting company 's investigation into an existing problem We received your complaint. Thank you. We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. YOUR COMPLAINT I want to state that this is complaint is from the Actual Consumer XXXX XXXX and not a third party of any kind. I looked at my TransUnion credit report recently and found some inaccurate reporting on my credit report. I wrote TransUnion a letter on XX/XX/2022 to try to get this inaccurate information deleted from my credit report since it is hurting my credit profile and costing me money in higher interest rates. Much to my dismay TransUnion wrote me a letter back stating that " we wont process your request ''. ( because they think that I did not write the letter of dispute myself ). I am a trained XXXX  with very high education and i am able to write my letters of dispute without need for a third party. TransUnion is not taking these inaccuracies on my credit report seriously and they are taking my rights for granted, Please assist with account name : XXXX - account number : XXXX XXXX XXXXXXXX XXXX XXXX XXXX PA XXXX I have never been late on this account. please correct inaccuracies in payment history... Attached is the letter i wrote to TransUnion and the letter TransUnion wrote back to me refusing to process my dispute. i have attached my drivers license as proof of Identity and my phone and internet bill as proof of address so there are no questions about my identity.

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 2022-06-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I ordered a software called XXXX that supposedly would increase my chances of getting sneakers. The ordered was placed through PayPal on XX/XX/XXXX. The transaction was posted on my XXXX XXXX account on XX/XX/XXXX. 
The company that sells the software/app called XXXX advertises the app in a very deceptive way. I called XXXX XXXX to dispute the charge as the company claims they don't issue refunds. XXXX XXXX said they could do nothing about it because the transaction was made through PayPal. I contacted PayPal on XX/XX/XXXX, they in turn contacted XXXX XXXX XXXX XXXX XXXX XXXX stated that I wold not get a refund and they shared their terms and conditions. XXXXXXXX XXXX XXXXXXXX made it seem to PayPal like they sold me a product that I just do not know how to use. When in reality, they sold me a software that just works as an autofill option and only works on items that do not need any software to be purchased. This makes the purchase and software pointless. 
Paypal ruled in the merchants favor because they stated I did not receive a damaged item, I have worked for a company that does bait and switch, XXXX XXXX XXXXXXXX is definitely one of these. XXXX XXXX XXXX advertises something, sells you another thing and then makes you seem like the bad/incompetent one to the financial institutions. I took this long to make a complaint because I just now realized that I could do this. 

https : XXXX I attached images of the conversations, they make the bot seem like something that is very desirable. Only people who would pay more than what I paid are people who are even less informed than I was.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20 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: GA

Complaint narrative:
.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX Account XXXX : XXXX As a consumer by law this account must be deleted immediately 9. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX Account XXXX : XXXX As a consumer by law, this account must be deleted immediately 10. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.

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 2022-06-20 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: NORTHWAY BROKER LTD.

Complaint narrative:
I have a lot of bad pay day loans and they are getting out of control cause they are holding my company phone as hostage and almost getting me fired cause they keep doing this every payday and they also take more out of my account then they say and I honestly dont know how to go about this, I have screenshots of all of them and my account too

Company response to consumer: Untimely response
Consumer complaint received 2022-06-20 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I want to state that this is complaint is from the Actual Consumer XXXX XXXX and not a third party of any kind. I looked at my TransUnion credit report recently and found some inaccurate reporting on my credit report. I wrote TransUnion a letter on XX/XX/2022 to try to get this inaccurate information deleted from my credit report since it is hurting my credit profile and costing me money in higher interest rates. Much to my dismay TransUnion wrote me a letter back stating that " we wont process your request ''. ( because they think that I did not write the letter of dispute myself ). I am a trained XXXX with very high education and i am able to write my letters of dispute without need for a third party. 
TransUnion is not taking these inaccuracies on my credit report seriously and they are taking my rights for granted, Please assist with account name : XXXX - account number : XXXX XXXX XXXX XXXX  XXXX XXXX PA XXXX I have never been late on this account. please correct inaccuracies in payment history Attached is the letter i wrote to TransUnion and the letter TransUnion wrote back to me refusing to process my dispute. 
i have attached my drivers license as proof of Identity and my phone and internet bill as proof of address so there are no questions about my identity.

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 2022-06-20 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Continental Credit Control
State: CA

Complaint narrative:
I have been contacted by Continental credit control in regard to outstanding balances owed.The original creditor is XXXX XXXX XXXXThere are 5 accounts total.When these accounts were transferred to Continental credit.Continental grouped them into one master account.I am trying to settle each one individually.However XXXX XXXX at extension XXXX informed me that they dont do that.I have made a few attempts to work with them.However have been unsuccessful.Since there is only one master account.I asked XXXX XXXX why 2 accounts were being reported to the credit bureaus.A solid answer could not be provided to me.I spoke to XXXX XXXX today in regard to this account.The total owed for these 5 accounts is XXXX.I asked her why 2 accounts were on my credit report since there is only one account.This is being reported inaccurately and I would like this resolved.Thankyou for your assistance.There phone number is XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20 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:
The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions

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 2022-06-20 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Earnest Inc.
State: NY

Complaint narrative:
I recently noticed that Earnest had been applying debits and credit to my account labeled " adjustments ''. The credited amounts always equalled the debited amounts, they cancelled each other out, so it didn't raise any red flags to me. But then I noticed a debited " adjustment '' to my loan account in the amount of {$87.00} -- and there was no credit to offset it, so I called Earnest in XX/XX/XXXX to flag this. I auto-pay my student loan monthly and have a fixed interest rate so there's no reason for my account to be charged a fee of any kind. 

The explanation I received from the Earnest customer service representative was that the " adjustment '' charges were the result of me overpaying interest, and that in XX/XX/XXXX my account started being refunded/ credited back for those overpayments. The representative also said that I should have received a check in the mail in XX/XX/XXXX for {$3.00} which represented another refund " adjustment ''. Once I pointed out that I saw no evidence of my account being refunded at all in XXXX or XXXX, nor had I received any checks in the mail from Earnest, they backtracked on their explanation ( email excerpts below ). 

Unfortunately Earnest 's explanation was very vague given loan repayment is a process that should be carefully documented. Especially given Earnest is servicing a student loan that is valued at close to $ XXXX. It doesnt make sense to me that when I have a fixed interest rate Earnest cant properly calculate the interest payment each month. 

-- - ( email excerpts ) Earnest on XX/XX/XXXX at XXXX PT : " Hi XXXX, I have actually just received a correction from our team processing the refund. It seems that they were actually able to apply it to your principal balance. 
I apologize for all of the confusion, I was not aware that they could do this. Please let us know if you have any further questions. '' Me on XX/XX/XXXX at XXXX PT : " When was that done? I dont see it as an adjustment anywhere in my loan history. 
Thanks, '' Earnest on XX/XX/XXXX at XXXX PT : " Hi XXXX, The original refund was initiated back on XX/XX/XXXX. You will then see the adjustments to make the refund the correct amount in the adjustments that were done between XXXX and XXXX. The total refund amount that was applied to your principal balance was the {$3.00}. 
I hope this helps. Please let us know if you have any further questions. "

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I tried to create an account and use the Experian website to unfreeze my credit reporting. When I got to the point of agreeing to terms and conditions, the website freezes and does not respond ( for hours ). So I tried to call the XXXX number listed on their website. It gets to the point of asking for the PIN, but when you start to enter the number, it acts like it has validated it about half way through the digits. Then it leads you through setting up a temporary freeze, which seems to work, but does not actually work. The company trying to check my credit says it is still frozen. There is no option to speak with a human. They offer to give you instructions to communicate with them via MAIL! This is a total fail. It is not 1972 - financial transactions are not carried out by postal service. So now my credit application is stuck with no recourse.

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 2022-06-20 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately :. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX Account XXXX : XXXX As a consumer by law this account must be deleted immediately This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX Account XXXX : XXXX As a consumer by law, this account must be deleted immediately This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately

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 2022-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I received a voicemail from a Delaware telephone number on XX/XX/XXXX at XXXXXXXX XXXX  stating that I needed to call back in regards to a case filed against me I called today XX/XX/XXXX as I was dealing with death in my family. They told me that it was for a Wells Fargo account from 2015 I did not have a Wells Fargo account in 2015 I have however had an account Wells Fargo but I was free and clear of any type of debt I did not have a credit card or any type of line of credit with Wells Fargo when I had my account there and they're calling me telling me that now over 7 years later they're coming after me for {$900.00} which came up with an address that I've never lived at not even in 2015 or in XXXX that I live at the address that they gave me now granted they do have my correct social security number but they're saying anything that is attached to my social security number if I do not pay that whatever relationship I have with my current bank will be taken from me and I will not be able to get any type of account at any Bank for the next 7 to 10 years.

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 2022-06-20 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: NY

Complaint narrative:
Since XX/XX/XXXX XXXX, Equifax and XXXX have been reporting multiple entries on my credit report incorrectly. Equifax continues to report on accounts that have been closed for 6 years with current activity there are 3 in particular that enrage me. they are XXXX XXXX  accounts and a XXXX  account, and they refuse to correct or update or delete my accounts. They just send a fake letter saying they have investigated the items when they haven't. The other bureaus just continue to report incorrect dates of last activity or just don't investigate at all. I have sent my investigations to the bureaus for the last 8 months and they refuse to correct my credit report. I sent another round of investigations today XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Birth year is XXXX not XXXX as reported

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: TX

Complaint narrative:
Loan depot ran an escrow analysis of our loan incorrectly, not taking into account our tax exemptions. This created our monthly payment to more than double. We have sent them the documentation reflecting our tax exemptions from our local county. This has been going on for months now and they are not accepting our payments in the normal amount ; instead, they are requiring us to pay the new ( incorrectly larger ) amount. Now our payment is 2 months behind and we have received letters stating that our loan is at risk of being foreclosed. This is the second consecutive year that this has happened to us. Last year it took them over 6 months to correct the issue, having us to take part in a forbearance program only to receive a refund over {$6000.00} in XXXX after finally correcting the issue. This is a VA backed loan.

Company response to consumer: Closed with explanation