vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-23 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: VA

Complaint narrative:
On XX/XX/XXXX I entered XXXX XXXX located XXXX XXXX XXXX XXXX XXXX XXXX XXXX Virginia XXXX. I talked with XXXX about my concern with inaccurate information being reported in my consumer credit file and requested a copy of the original installment contract along with payment history. XXXX stated that the original contract is files kept by XXXX XXXX corporate office but she would need time to get the payment history. I told her I would return on XXXX XXXX XXXX and pick it up. After leaving the store XXXX calls me on my cellphone. She gives me a breakdown of the account that she told me when I was present in person she needed time to get that information together. According to the verbal conversation and I have included in the documentation upload the chargeoff amount is incorrect, the account status is incorrect. On the credit report Repossession shows as account status but clear from their own proof it shows account status as CHG Off. Collection status is incorrect. The date of account opening is questionable due to two dates showing XX/XX/XXXX and XX/XX/XXXX. XX/XX/XXXX shows payment XX/XX/XXXX shows Invoice so which date is purchase date? 

I have disputed this information with TransUnion and somehow they seem to tell me this information is verified and accurate and I want to know how is this possible when the documentation from the creditor themselves proves otherwise.

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 2022-01-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
In XXXX I became aware of a debt collection on my credit report from LVNV Funding in the amount of {$990.00}. I was not aware of this debt and did not know who this company was. 

I submitted a dispute with each of the 3 main credit bureaus. Stating this account was not mine. These debts each came back as verified without any notice to myself. Because I did not receive any information I disputed this item a second time. Agains this came back verified without any documentation to myself showing the validity of the debt. 

In mid XXXX I hired XXXX XXXX to help me dispute this item. After they began their disputing. I did finally get a letter from from LVNV funding showing that they own a debt on my name from XXXXXXXX XXXX XXXX. They also submitted a copy of an old billing statement showing my name. 

I have never had an account with XXXX XXXX. So I did some research and found that at minimum a a debt collector must show validation through a signed dosimeter by me showing that I agreed to pay this debt. A simple old billing statement does nothing to prove that I owe a debt. As this information can simply be false. 

I have attempted to dispute this item further and have been denied by the credit bureaus because I have no additional information. When in reality the debt collector doesnt have sufficient evidence that I actually owe the debt. Even after I have expressly stated this information to be inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23 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: Medical Data Systems, Inc.
State: TX

Complaint narrative:
The debt collector has 2 of the same accounts same XXXX one day apart. I only owe one. They have harassed me in the past saying because I couldn't pay that day they would put I refused to pay. Which is a lie. I filed for disability it's still pending. I have no way to pay at this time. I agree one I'll pay when I can but not 2.at one point it said it was closed. Please have them remove one. Thank you.

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 2022-01-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SYNCHRONY FINANCIAL
State: KY

Complaint narrative:
Received an email from something called XXXX. I have some accts with Synchrony Bank so didn't think twice about opening it. It asked " Did you forget something? '' Then said I had missed a payment. It gave an acct # ending in XXXX ( which I found out was opened XXXX XXXX, XXXX ). & giving one acct number When I went into the " Pay Now '' button to see who this was claiming we were past due it went to Rooms To Go which had had the acct # ending in XXXX whom we haven't owed for about 22 months due to a 'charge-off ' that long ago. It said I owed {$430.00} which is approximately what I owe on another account having nothing at all to do with any of this! Payments on that account is {$35.00} per month which is what this email claimed I had missed paying but now owed {$63.00} due XX/XX/XXXX & said I could pay as a guest. I knew then this had to be bogus. I called the phone # provided XXXX & got a guy with such a thick accent I barely could understand him but he said this was an attempt to collect a debt & the number I would have to call would be XXXX. The lady did not have as thick an accent & " seemed '' business-like & took information saying she was going to contact all 3 credit bureaus & alert them of possible ID Theft & to flag any further credit applications to Synchrony Bank . However she assured me this would not affect the accounts I already have with Synchrony Bank. I've looked up the phone number of Synchrony Bank & it does not match either one of these. So, what is one to do? I knew I was not behind on anything! All our bills are paid! We have a perfect record of paying our bills 100 % on time. We do not need this black mark on our name/credit! I checked out XXXXsyncb. For goodness sakes! We would NEVER apply for a credit card or credit period to buy diamonds or cars or other luxury items! I did try to file a complaint with one of the 3 credit bureaus but not sure it went through. It's much harder than it used to be to do so & much more confusing. 
Thank You 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 non-monetary relief
Consumer complaint received 2022-01-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XXXX XXXX : I called chase to file a fraud/scam that occured. I was scammed and sent someone money through XXXX  from the chase app. I called chase right away, the funds are still pending then.I was on hold for more than an hour. I wanted to file a claim, the representative who helped me got some info, and in the end, i was told that they do not have a XXXX  protection, therefore, am not able to file a claim and they can only post it as inquiry. 
This is a serious matter and I wasnt taken seriously. He even said it at first, that the funds that was sent was still pending so they may be able to stop it.Chase did not help me at all to get my money back. It was {$2000.00}. And thats alot to me. I made a mistake falling to scammers but i called my bank right away, hoping that they can protect my funds but nothing was done. Not even a claim but an inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: FL

Complaint narrative:
I called Enhanced Recovery Company number and waited for 45 minutes then I was transferred to a recording. I paid XXXX in their store in XXXX several years ago. I this collection agency called again to obtain the account number so that I can write a XXXX letter and I got the runaround being transferred. My complaint is this company maybe trying to collect for a debt i paid several years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Granite Edvance Corporation
State: NH

Complaint narrative:
In XX/XX/XXXX contacted Granite State Management spoke with XXXX a service agent due to an error on my part was calling to fix payment schedule. We were able to adjust using the Covid19 payment relief available. While looking at my loans She mentioned consolidating my loans as I had two or three that were not part of my already consolidated balance. She mentioned something about consolidating will make my loans eligible for the possible relief programs that was being discussed by the government. What was not mentioned was that if I consolidate my loans all of the Income Base payments I have made over these years will reset to zero! I am waiting for the data to show how many years into the IBR repayments I am on my loans I don't have the exact number. I've been trying to pay my loans for 21 years. Based on Studentaid.gov website my loan servicer is suppose to track my qualifying monthly payments and years of repayment and notify me when I am getting close to the point when I could qualify for forgiveness 20 years or 25 years of any remaining loan balance. I may still be a few years away from this but I was NOT told I would loose my payment history if I consolidated. 

I was not able to to stop the consolidation with XXXX XXXX, I called on XX/XX/XXXX and spoke with XXXX a supervisor in the loan disbursement area ; and they were not able to stop the consolidation. Which means my loan payment count starts over at 0. At XXXX XXXX XXXX I've lost what little momentum I had. There was no warning from the loan servicers or from the Studentaid.gov that I would loose all payment history on my loans when I consolidated my loans. 

Also I do not understand why my loan balance has not gone down under the IBR plan. In the 22 years I have been with Granite State Management. I have been making payments but have not seen any movement in my loan balances. I don't understand how the government can set us up for failure in repaying these loans. 

Please help. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: DISCOVER BANK
State: CA

Complaint narrative:
Discover is sending me aXXXX for debt that is over XXXX years old

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I, XXXX XXXX, checked my credit report and noticed some fraudulent and inaccurate accounts and inquiries on my credit report. I reached out to the credit bureaus to remedy the situation but they would not help me to remove these fraudulent accounts. See attached FTC / ID THEFT 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 2022-01-23 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

Complaint narrative:
Paypal close 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 couple of weeks but i just remembered i could file a report on here as I feel they are not doing their job properly and its affecting me a great deal as I used Paypal guide frequently. My email linked to my Paypal is XXXX I hope you can help me with this matter. Rest assured that all my transaction made from my Paypal account is true, safe and legal. Thank you and XXXX bless

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I, XXXX XXXX, checked my credit report and noticed some fraudulent and inaccurate accounts and inquiries on my credit report. I reached out to the credit bureaus to remedy the situation but they would not help me to remove these fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: EQUIFAX, INC.

Complaint narrative:
I had email to XXXX The 6 or more accounts are affecting my score and they are not update my accounts. Most of the accounts are closed more than 6 months to 1 year but they shows pending in my report. I also mail to central bank to proper update my loan closure data but there is no reply against my mail. Also mail to XXXX against this issue but not revert. Please request you to update all my accounts asap. These credit bureau can damage my all cibil score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: UT

Complaint narrative:
I am filing a complaint on American Express ( AE ) Credit card company. 
In AE mobile App pay system, the payment status are two steps. Right after you make a payment, the status is " Processing ''. Later, in about 48 hours, the status is " Thank you ''. The second step shown to our consumers mean that the payment is done. 
This mobile App pay system give scams or cons a big opportunity and success to trick and victim people. 
I was recently, last XXXX, tricked by a scam using such system. I was offered a " purchasing agent '' job. In this offer, there was two-week trial during which I needed to use a credit card to purchase XXXX products. The cons gave me their bank account for me to do the mobile pay. I did a purchases of {$9300.00} of XXXX products on XXXX XXXX, XXXX by my AE credit card and used a bank account provided by the cons using AE mobile App pay system for the payment. The transition went through and the status is " Thank you ''. I sent the XXXX products out to the cons. 
On XXXX XXXX of XXXX, I saw on AE mobile App system the payment of {$9300.00} has been returned. I called AE., they told me that I was not authorized by the bank and the amount due day is XXXX XXXX. 
To get a peace of mind, once I learnt the payment was returned and the due day was XXXX XXXX, I paid it on XXXX XXXX using my own bank account. But AE returned my payment saying that the bank account was not correct ( it's impossible that I put a wrong account number since it needs to be put in twice ). I learnt later that AE used this to have me call them back so that they can have my banker on line to make sure I got enough money to pay the. This happens on XXXX XXXX. I had enough money in my account and the payment was done. 
On XXXX XXXX, I saw an interest charge of {$190.00} due to my payment was made on XXXX XXXX. One day late than the short notice due day set by AE. 
I got tricked because AE provides a unsafe mobile payment system and never inform our customers that a " Thank you '' doesn't mean the transition is completed and how long it takes to complete. It took them almost two months for the payment to return.

I felt that AE is providing a very unsafe product and should be responsible for my loss. Also, AE should give me a billing cycle for the returned payment. Instead, they only give me one day for the due day and charged me for interest of {$190.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I paid the XXXX XXXX XXXX ending in XXXX to a XXXX balance in XX/XX/2021. Transunion keeps showing an amount of {$5000.00} still used/available on the credit report. this is negatively impacting my credit score ( lowering it ) by a significate points. I have contacted Transunion several times to correct this error, it will be fixed for a few days then go back to show {$5000.00}. I have also contacted XXXX XXXX visa about this, they said the balance on the account 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 non-monetary relief
Consumer complaint received 2022-01-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I, XXXX XXXX, checked my credit report and noticed some fraudulent and inaccurate accounts and inquiries on my credit report. I reached out to the credit bureaus to remedy the situation but they would not help me to remove these fraudulent accounts.

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 2022-01-23 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: OH

Complaint narrative:
XXXX XXXX placed a collection on report XX/XX/21. I have mailed and uploaded verification to Transunion that this account was paid in full prior to XXXX sending the incorrect information to XXXX and XXXX for collection. After XXXX and XXXX investigated this, they agreed to remove the account. Transunion has not taken this account off my credit report. I've shown the payment, my credit card statements, as well as my cfpb complaint stating they will withdraw this from my credit report. My other credit reports were updated and removed the account. Transunion will not allow me to submit a dispute on their website any longer so I went through a 3rd party and it still hasn't been updated.

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 2022-01-23 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: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
FCRA violation : Inaccurate reporting Please see attached document

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23 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: TX

Complaint narrative:
My credit score on XX/XX/2022 was XXXX. 
My credit score currently has been dropped by XXXX points to XXXX. 
Nothing material has changed on my credit report to cause this action. 
For example, due to COVID-19, all loans in forbearance, deferred to the end of the loan upon exiting forbearance, resuming regular payments, with all payments continuing to be current, under the CARES act should not cause this action as informed to me by the banks. 
I have asked the company to restore my credit score back to XXXX. 
This is yet to be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23 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: GA

Complaint narrative:
FCRA violation : Inaccurate reporting Please see attached document

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 2022-01-23 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: GA

Complaint narrative:
FCRA violation : Inaccurate reporting Please see attached document

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23 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: GA

Complaint narrative:
FCRA violation : Inaccurate reporting Please see attached document

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 2022-01-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: WI

Complaint narrative:
I graduated college in 2010 and my loans were transferred to XXXX from XXXX XXXX, my payments have never been consistently applied to principal and interest, multiple payments have gone only to interest and some payments only {$0.00} went to principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
I sold a {$1400.00} collectible via PayPal.com, paying the PayPal Goods & Services fee for built-in protection and to avail of their claims process if needed. 

A buyer attempted to scam me by claiming the item arrived damaged. USPS investigated, and determined this not to be the case, refusing my insurance coverage as well. Then, they claimed to have already returned the item ( they did not ). 

PayPal granted their claim despite the USPS investigation, conflicting stories from the seller, and the fact that I did not recieve the damaged item back nor any documentation of the damage. 

PayPal failed to respond to numerous contact attempts, repeated appeals and apparently did not review the evidence at all despite my paying for this service. Instead, they allowed an obvious scam to go unpunished.

Company response to consumer: Closed with explanation