vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-16 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: Social Finance, Inc.
State: NY

Complaint narrative:
Dear Sir or Madam, On XX/XX/2021 i mailed a letter to the XXXX credit bureaus ( XXXX, XXXX, XXXX ) as well as to Sofi Lending and XXXX XXXX XXXX XXXX disputing collection accounts that were a result of identity theft. I provided a copy of the police report that i filed regarding this matter and the accounts in question have not been removed from my credit report. Please look into this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 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: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
Dear Sir or Madam, On XX/XX/2021 i mailed a letter to the XXXX credit bureaus ( XXXX, XXXX, XXXX ) as well as to XXXX XXXX and LVNV Funding/Resurgent Capital Services disputing collection accounts that were a result of identity theft. I provided a copy of the police report that i filed regarding this matter and the accounts in question have not been removed from my credit report. Please look into this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 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: VW Credit
State: CA

Complaint narrative:
Credit reports state I have a repossession account in which I do NOT have with VW. Please delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 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: IN

Complaint narrative:
On XX/XX/2022 I received notice from Experian that my dispute was now open. On XX/XX/2022 I received notice that my dispute was complete. I sent in the documentation showing that the judge ruled in my favor and that I do not owe the company anything because of it. Experian failed to remove the collection from my credit report. They stated that they updated my information on my credit report. They couldnt have updated it because the collection is on there.

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 2022-02-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
On XX/XX/2022, I received an email from PayPal that I was transferred {$70.00}. The email gave me the options of an " Instant Transfer '' for a fee of 1 % or a " Standard Transfer '' for a {$0.00} fee. 

When logged in to my PayPal account, PayPal did a bait-and-switch on fees. The " Instant Transfer '' fee is 1.5 % and the " Standard Transfer '' fee is {$0.00}. 

This is the second complaint on this matter. Back in XX/XX/2022, PayPal promised the CFPB to fix the issue. PayPal has not fixed the issue. 

The CFPB needs to inquire with PayPal on how many emails and communications go out to consumer showing a 1 % " Instant Transfer '' fee while charging 1.5 % on their website. This could amount to millions of extra dollars PayPal is receiving as a bait-and-switch tactic on consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 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: TX

Complaint narrative:
No permissible purpose was given. Pursuant to 15 USC 1681b ( a ) ( 1-2 ). Pursuant to 15 USC 1681 ( a ) ( 1-4 ) the banking system is counting on consumer reporting agencies to report accurate and fair information to my credit file which you haven't. by reporting inaccurate information without my written consent first, you are violating my right to privacy which is in direct violation of 15 USC 1681 ( a ) ( 4 ) and The Privacy Act of XXXX. You also cant claimed you verified any accounts unless you an prove you did what you suppose to do Pursuant to 15 USC 1681a ( e ) Which defines " investigative consumer report '' personal interviews with neighbors, family and friends and must show proof via affidavit of fact. Pursuant to 15 USC 1681a ( e ) stats that my consumer report should not include any factual information obtained directly from the creditor. If all accounts are not removed in 30 days as stated in 15 USC 1681i ( 1 ) ( A ), I the consumer will seek remedy 15 USC 1681n ( a ) ( 1 ) ( A ) ( B ) ( 2 ) ( 3 )

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 2022-02-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX I contacted Nationstar Mortgage ( Mr Cooper ) that they illegally placed wind insurance on my escrow account on XXXX of XXXX and XX/XX/XXXX even though I had wind insurance on my policy. They gave me a hard time when I called in saying that I don't have wind insurance, even though my agent told them i did and it is written on the policy. My XXXX account was always short according to them, it increased $ XXXX in XXXX and they wanted to increase it again in XXXX. I told them that they illegally put it on my account and they stated they sent a letter to me asking if I had this type of insurance. I told them I never received a letter and my homeowner 's insurance has had wind protection for XXXX years, and just now ( XXXX ) they place wind insurance on my account. Nationstar ( Mr. Cooper ) owes me {$3.00} for XXXX of XXXX ( {$1700.00} ) and XXXX of XXXX ( {$1800.00} ). I told the lady that Nationstar ( Mr Cooper ) was ordered in a class action suit a few years ago to pay {$54.00} XXXX by falsely putting wind insurance through the escrow accounts. I want this refunded immediately and the company fined for this illegal action. They had to change their name their reputation was so bad, and they are back to the issues that caused them problems. My loan was sold to Nationstar ( Mr Cooper ), i would never use this company for any type of loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PNC Bank N.A.
State: IL

Complaint narrative:
PNC Bank regularly sends me statements that are postmarked the XXXX of the month. I receive them about a weekly, about the XXXX or XXXX of the month. They are due the XXXX of the month. This gives me less than a week to mail a check and make sure it arrives in time. I thought federal law requires 14-21 days, am I wrong? Can they force me to panic this way every month, wondering if the payment will arrive on time?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 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: WA

Complaint narrative:
I reported that all of my child support has been paid in full and that debt has been satisfied. XXXX XXXX and Equifax is still reflecting old information and they are refusing to let me dispute the information. THESE ACCOUNTS ARE PAID IN FULL AND SETTLED

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 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: WA

Complaint narrative:
I reported that all of my child support has been paid in full and that debt has been satisfied. Experian XXXX and XXXX is still reflecting old information and they are refusing to let me dispute the information. THESE ACCOUNTS ARE PAID IN FULL AND SETTLED

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 2022-02-16 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: TX

Complaint narrative:
No permissible purpose was given. Pursuant to 15 USC 1681b ( a ) ( 1-2 ). Pursuant to 15 USC 1681 ( a ) ( 1-4 ) the banking system is counting on consumer reporting agencies to report accurate and fair information to my credit file which you haven't. by reporting inaccurate information without my written consent first, you are violating my right to privacy which is in direct violation of 15 USC 1681 ( a ) ( 4 ) and The Privacy Act of 1974. You also cant claimed you verified any accounts unless you an prove you did what you suppose to do Pursuant to 15 USC 1681a ( e ) Which defines " investigative consumer report '' personal interviews with neighbors, family and friends and must show proof via affidavit of fact. Pursuant to 15 USC 1681a ( e ) stats that my consumer report should not include any factual information obtained directly from the creditor. If all accounts are not removed in 30 days as stated in 15 USC 1681i ( 1 ) ( A ), I the consumer will seek remedy 15 USC 1681n ( a ) ( 1 ) ( A ) ( B ) ( 2 ) ( 3 )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 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: AL

Complaint narrative:
I sent a letter to transunion with a ftc report stating that there are unauthorized inquiries on my credit report. Transunion has responded saying it appears it was from a credit repair company. I am not a credit repair company. I sent a letter and ftc report because I am a victim of identity theft. My information has been compromised. I was a part of the XXXX breach. I want these inquiries removed immediately. This is hindering my life and finances. I have attached a new ftc report and I demand these inquiries be removed 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 2022-02-16 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: OR

Complaint narrative:
Received a pre-paid gift card as a gift. Tried to use it at a retail store, but was declined. Tried to activate and register the card on-line via the " XXXX  website by entering the card number, but was told to contact the company via the phone number on the back side. After 90 minutes on hold, I was told that I was to try to register it online. I advised the agent that I tried that and it didn't work. They then said to call the XXXX number on the back, and register it. I said that is the number I called and it didn't give me an option to activate it online. She kept repeating that it has to be done via the phone number. I repeatedly told her that that is the number I called and it did not help. I asked to speak to a supervisor and was told none were available because of long wait times. Basically, I have a pre-paid gift card that I am not able use anywhere and can't get the necessary help to activate it.

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 2022-02-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Colony Brands, Inc.
State: IN

Complaint narrative:
XX/XX/22 - received XXXX XXXX credit card statement in the mail for purchases made on XX/XX/22 totaling {$430.00}. I never applied for this store credit card. 

XX/XX/22 - called XXXX XXXX and talked to their fraud/loss department. They are supposed to be closing this account and say I will not need to pay this fraudulent charge. They confirmed this account was opened by someone in XXXX, West Virginia and the address is XXXX East XXXX XXXX Farimont WV. They used my address for billing purposes and social security number to open this account, but the item they purchased was sent to the West Virginia address. 

XX/XX/22 - went to local police station to file fraud report, they opened up case # XXXX and they referred me to file a compliant with the company and the Federal Trade commission ; FTC directed me to CFPB. Police station also told me to call XXXX XXXX to talk to fraud department and try to resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SUNRISE CREDIT SERVICES, INC
State: WI

Complaint narrative:
A few days ago I received a letter from sunrise Credit Services out of XXXX New York they said I owed them {$110.00} for charter communications today they had called me and told me that I owe {$100.00} and want a payment over the phone I told him I do not owe that debt that I settled with XXXX communications already and that and I told him to send me proof of this debt and then he became very belligerent and threatening so I just hung up so at this point I did talk to spectrum or charter communications and they had told me that I only owe them {$40.00} I'm not behind and that I only need to make that payment when the bill comes this week and I'll be clear and free with them so obviously this company is a scam and I would appreciate if someone could investigate them thank you very much

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 2022-02-16 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 — Problem with personal statement of dispute
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Creditor has not provided the information I have Requested to confirm that the alleged amount is actually owing. 
On XX/XX/2022 ( see attached ) I requested the debt collector to provide original signed credit application, cashed checks used for bill payment or original billing statements. This information has not been provided. Debt collector continues to post negative information to the credit bureau ( s ). Thereby, failing to produce validation of the debt actually been owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
RE : DISPUTE : LVNV Funding LLC/ XXXX XXXX XXXX XXXX XXXX ID : XXXX Previous Balance : {$680.00} Account : XXXX account XXXX To whom it may concern : I am writing this letter to DISPUTE : LVNV Funding LLCXXXX XXXX XXXX XXXX XXXX I have called LVNV Funding LLC and spoke with XXXX XXXX at XXXX at XXXX on XX/XX/XXXX to make a settlement offer with good faith to close this account. After speaking with XXXX XXXX of my financial situation she agreed to accept the amount of {$400.00} as a full balance of the account and in addition agreed to delete the account on my credit reports. She also stated in approx. 14 days I will receive a letter confirmation that the account was settled and within 30 days the account will be delete it from all credit reports. After two weeks I received a letter dated on XX/XX/XXXX received on XX/XX/XXXX with the full balance of {$680.00}. 

I have sent a letter via fax on XX/XX/XXXX letting them know that this account has been settled and that I am still waiting for the letter. I have also let them know that this balance of {$680.00} should be an error. 

Today I checked my credit report in my XXXX account ( Through XXXX ) and LVNV Funding LLC is back reflecting with a balance of {$280.00}. 

I felt defrauded and scammed. They lied to me. I want to make a complaint and make a report these fraudulent practices they have done to me and who knows how many people out there looking for a relief like me in these difficult times when through something like this. They did not keep they're word by sending me a letter that this account has been settled and delete this account as we agreed over the phone. 

Please see proof of email payment for the amount of {$400.00} confirming the day, time that this account was PAID and was processed when I was negotiating with them. In addition to the letter letting them know that I'm still waiting from them a letter confirmation that this account has been settled by agreement. There information is not accurate and is actually a violation of the FTC. This account should not be reflecting on my credit report as they agreed to delete the account and accept the payment of {$400.00} as a full balance payment but they did not keep the promise as agreed. In the top of this I am unemployed and they knew it. 

This account should be delete it on all of my credit report and I want a letter via mail with the agreement that this account is settled for the amount of {$400.00} as they agreed and that the account have been deleted from all credit reports. 

I appreciate it all your help on this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 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: EQUIFAX, INC.
State: UT

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report, its been well over 30 days and no results. 

XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XX/XX/2021 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 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: FL

Complaint narrative:
Please see the attachments because they contain my complaint in full with my requests along with my ID. I XXXX XXXX am also submitting this complaint on my own and I have not been influenced to do so by anyone or third party.

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 2022-02-16 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:
Please see the attachments because they contain my complaint in full with my requests along with my ID. I XXXX XXXX am also submitting this complaint on my own and I have not been influenced to do so by anyone or third party.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This is in regard to account number - XXXX, XXXX XXXX XXXX : XXXX XXXX XXXX. 

On XX/XX/2015, I was transported to the emergency room by XXXX XXXX XXXX. I provided my insurance information during transport. XXXX XXXX XXXX did not properly bill my insurance carrier for my transport. 

I called my insurance carrier ( XXXX  ) to confirm my claim status with XXXX XXXX XXXX and was advised that no claim was filed on my behalf. I then contacted the XXXX XXXX XXXX directly and spoke to a representative to advise that a claim was submitted inaccurately or not at all, which caused a billing error/issue. I informed the representative with XXXX XXXX XXXX, after speaking with my insurance carrier ( XXXX  ), to re-submit the medical claim, at which point the representative refused to resubmit claim stating that the timely filing period has expired, and I am now the responsible party of the alleged XXXX Emergency bill. I believe XXXX XXXX XXXX balance billed me, which is illegal in the state of GA and then sold the account to Creditors Bureau Associates ( Collection Agency ).

Creditors Bureau Association failed to provide me a notice of debt, prior to inserting this alleged account onto my credit report. I was not provided the opportunity to request validation of this alleged debt. I have disputed this alleged account on several different occasions with all major credit reporting agencies, as well as the collection agency, and all parties continue to verify this alleged debt without properly investigating, which is violation of the FDCPA and 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