vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
We received a phone call around the XXXX of XXXX from someone asking for our address. They stated that there was a debt that was owed to them and they needed our address to send the collection notice. 

We received one letter around the XXXX of XXXX from Convergent Outsourcing Inc stating that we owed them {$2300.00}. They claim that the original debt was with XXXX XXXX, XXXX. We do not know of this creditor and we have never opened an account with them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Mercedes Benz Financial Services
State: TX

Complaint narrative:
MBFS has failed to respond to me or the Attorney General about complaint Number XXXX in reference to the Full Satisfaction of claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Oklahoma Student Loan Authority
State: AZ

Complaint narrative:
Student loan under DPT ED/OSLA - account open. Balance {$3400.00}, highest balance {$2700.00}. Date of last payment : XX/XX/XXXX. Opened XX/XX/XXXX. Last reported XX/XX/XXXX. I have never taken out a student loan and this is false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 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: Paypal Holdings, Inc
State: CA

Complaint narrative:
I keep trying to pay my bill online but PayPal refused to help me fix my account issue I try to pay using my checking account that I have always used for the last 10 years but since COVID started Im not able to make any payments unless I call which is incredibly frustrating and is illegal. I will make my accounts current if they allow me to pay online not call it in wasting loads of my time. I have waited 2 hours just to make a payment because they cant fix the issue and keep passing the bucket this making it hard for me to make my payments on time I have a XXXX XXXXXXXX and this is causing lot of stress. Please see that this is fixed Im truly having a hard time its been going on for a year now please help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc

Complaint narrative:
Paypal is holding my money without reason and the other is because they said I can not confirm the identity but that does not make sense because they have my ID and banking details and when I try to give them another additional ID or billing statement it routes me to a blank page. 

One of my accounts XXXX I can not withdraw the money because they said I can not confirm the identity but that does not make sense because they have my ID and banking details and when I try to give them other additional ID or billing statement it routes me to a blank page. So how do you want me to give you those details if your platform does not allow me to give you the details. I've talked to different representatives before and they didn't help me at all. 

My other account, XXXX they put the money on hold. I am a XXXX and they are holding all my funds without any valid reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 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: Lending Club Corp
State: GA

Complaint narrative:
LendingClub-loan was put into deferment for XXXX XXXX but they reported me delinquent so it has messed up my payment history. Have been going back and forth with them to get this resolved for almost a year. They sent me a email stating that they would fix my credit for the months of XXXX 2020. They have fixed the months XXXX XXXX and XXXX but has failed to fix XXXX. I have been getting the run around calls and emails made with continuous failure to respond or carry out what they were supposed to do

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 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:
Have submitted proof to TransUnion on more than one occasion that XXXX was supposed to fix the errors in reporting to my credit for XXXX XXXX XXXX XXXX of 2020. XXXX is still showing delinquent even though I submitted the proof its not being fixed

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 2021-04-06 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: CA

Complaint narrative:
I was not able to pay on time due to my husband being XXXX XXXXXXXX after a work accident. Then Covid happened and I was still not able to pay the balance due to my hardships. Then I finally saved enough to pay the balance and Target told me if I paid they would delete it off my records. After paying they are not agreeing to what they had said that if paid in full they would delete it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: NV

Complaint narrative:
A debt from a medical establishment that i have never been to keeps applying an amount to. I have XXXX medical insurance so it would have been paid for. That is a hippa violation as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: TX

Complaint narrative:
XXXX is claiming that I owe them {$650.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 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:
This complaint is about the 3 bureaus that have been disregarding my disputes for several months now. They have been denying and rejecting my complaint as well as believing that I am not the one sending disputes. They just find every little way to avoid the claims I have about this inaccurate and unverified information that they keep posting in my report. I reach out to you in hopes that they would finally decide to remove the inaccurate information from my credit report. Thank you and hope to hear from you soon!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 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: Lending Club Corp
State: GA

Complaint narrative:
Have submitted proof to XXXX  on more than one occasion that LendingClub was supposed to fix the errors in reporting to my credit for XXXX XXXX XXXX XXXX of 2020. XXXX is still showing delinquent even though I submitted the proof its not being fixed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 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:
Have submitted proof to Equifax on more than one occasion that XXXX was supposed to fix the errors in reporting to my credit for XXXX XXXX XXXX XXXX of 2020. XXXX is still showing delinquent even though I submitted the proof its not being fixed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 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: Lending Club Corp
State: GA

Complaint narrative:
Have submitted proof to XXXX  on more than XXXX occasion that LendingClub was supposed to fix the errors in reporting to my credit for XXXX XXXX XXXX XXXX of 2020. XXXX is still showing delinquent even though I submitted the proof its not being fixed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 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: CL Holdings LLC
State: GA

Complaint narrative:
On XX/XX/2020, Jefferson Capital System add a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for this account. Debtor 's creditors did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate a debt and anybody can send a bill and say it's mine. According to the FCRA, Jefferson Capital System has violated my rights as a consumer and Im requesting legal action to remove this account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
1 ) XXXX  2 ) Experian 3 ) XXXX  All three of the above named entities have incorrect information on my credit report, either matters wrongly attributed to me or records which are validly mine but contain false information and no matter how many complaints I file ( with either the Credit Bureau or the Creditor ) it never goes off my report. I need this addressed and the situation redressed and rectified immediately, as it is impacting my quality of life severely and violating my constitutional rights. 

Please call me at XXXX XXXX XXXX to discuss remedies and mitigation. 

Kind regards, 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 2021-04-06 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: M&T BANK CORPORATION
State: DE

Complaint narrative:
In XXXX, my husband and I had an M & T Bank XXXX XXXX XXXX # XXXX in the amount of {$25000.00} on our property located at XXXX XXXX XXXX XXXX, XXXX, PA XXXX. We satisfied that loan when we combined it with a first mortgage refinancing through the XXXX XXXX XXXX in XXXX. The property at XXXX XXXX XXXX XXXX is under contract to sell. Settlement is scheduled for XX/XX/XXXX. On XX/XX/XXXX, we learned that M & T bank neglected to file the proper documents with the XXXX XXXX XXXX XXXX  to remove the lien on the XXXX XXXX XXXX property. That negligence is costing us {$37000.00} at settlement. The abstract company is holding back 150 % of the original home equity loan. We have been told that M & T is researching our former loan and will try to remediate their error in XXXX or more days. We have spoken to the personnel in the bank and can not get clear answers about their process or timeline. We are very concerned that they may not pursue this issue with diligence since it is an old loan and at present no-one in their offices can find it in their computers. My husband and I acted in good faith by paying off the M & T loan, and now we are being financially disadvantaged because someone in their corporation failed to do the proper paperwork to remove our liability.

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 2021-04-06 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: WA

Complaint narrative:
On XX/XX/2020, paypal deducted all balance from my paypal acount, which is {$4900.00} USD to paypal 's own account. It says the amount was transferred to paypal. It was gone without my permission, and even didn't send me any notification. It just disappeared. I am a single mother of XXXX adorable kids. I need to pay bills for utility and the rent for the house. Life is so hard for me. Because paypal says the funds will be available for withdraw after 180days, so I didn't check it during this period. I was shocked by what payapl did to me. That is illegal to steal my money.I realize that CFPB can help me in this kind of situation, that's why i am report to you. Please kindly help me to solve this issue and get the money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 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: PA

Complaint narrative:
This complaint is about the 3 bureaus that have been disregarding my disputes for several months now. They have been denying and rejecting my complaint as well as believing that I am not the one sending disputes. They just find every little way to avoid the claims I have about this inaccurate and unverified information that they keep posting in my report. I reach out to you in hopes that they would finally decide to remove the inaccurate information from my credit report. Thank you and hope to hear from you soon!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 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: CA

Complaint narrative:
1 ) Transunion 2 ) XXXX  3 ) XXXX  All three of the above named entities have incorrect information on my credit report, either matters wrongly attributed to me or records which are validly mine but contain false information and no matter how many complaints I file ( with either the Credit Bureau or the Creditor ) it never goes off my report. I need this addressed and the situation redressed and rectified immediately, as it is impacting my quality of life severely and violating my constitutional rights. 

Please call me at XXXX XXXX XXXX to discuss remedies and mitigation. 

Kind regards, 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 2021-04-06 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: CA

Complaint narrative:
1 ) XXXX  2 ) XXXX  3 ) Equifax All three of the above named entities have incorrect information on my credit report, either matters wrongly attributed to me or records which are validly mine but contain false information and no matter how many complaints I file ( with either the Credit Bureau or the Creditor ) it never goes off my report. I need this addressed and the situation redressed and rectified immediately, as it is impacting my quality of life severely and violating my constitutional rights. 

Please call me at XXXX XXXX XXXX to discuss remedies and mitigation. 

Kind regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
PORTFOLIO RC is claiming that I owe them {$1100.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 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: MD

Complaint narrative:
I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Westcreek Financial
State: IN

Complaint narrative:
I have a line of credit through Westcreek For auto repairs.I emailed and also spoke to a representative and informed them to stop auto pay because the account was mine anymore and I have a new account I just wanted the auto pay to stop! I was informed that it was taken off and to just make payment and call in when I have my new account info.Agreed, well the company dismissed what was discussed and continue to withdraw even after I asked them to stop Ive repeatedly emailed with no response I just dont know what else to do

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-06 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: Bridgecrest Acceptance Corporation
State: IL

Complaint narrative:
They told me they couldnt do anything about it, to call XXXX XXXX. I called XXXX XXXX so they could remove the false information and they told me its correct like XXXX, my credit score has been XXXX ever since the vehicle was totaled and was being paid by insurance. The vehicle was paid by insurance company and gap coverage insurance people. The vehicle was totalled XXXX XXXX and it is now XX/XX/2021 i need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 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: IL

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 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: IL

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation