vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-18 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: CONTRACT CALLERS INC
State: GA

Complaint narrative:
I have a loan with CONTRACT CALLERS INC ( Original Creditor : XXXX XXXX ), XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, CONTRACT CALLERS INC ( Original Creditor : XXXX   XXXX ), XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), and XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.

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 2020-08-18 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: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
all 3 credit bureaus reporting different account information about account. I have reached out to creditors and credit bureaus about getting the information 100 accurate because all 3 reports have different information so how would i know what is valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 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: TX

Complaint narrative:
XXXX  Equifax and XXXX  are all reporting multiple inaccurate information about me via my credit reports. I have sent them multiple certified mail pieces and called multiple times, seems to have a problem providing me with how they are verifying any accounts. my credit was hacked and i have been trying to get them to cooperate

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 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:
I am a victim of Identity Theft. An unknown person has been using my identity to open bank accounts, rent houses and apartments, open credit cards, obtain loans and other fraudulent activity. They have been using my identity to my knowledge since 2016. Accounts opened fraudulently in my name includes XXXX XXXX  ( XXXX ), XXXX XXXX, XXXX XXXX  XXXX, XXXX, XXXX XXXX and more. There have been addresses on my credit reports, jobs, businesses and telephone numbers that have been fraudulently used without my permission. I have tried contacting these companies to report the problem but they all respond with " I am liable for the account '' based on their " payment history information ''. I have disputed these accounts With XXXX, Transunion and XXXX. XXXX  has successfully updated and deleted the fraudulent accounts from my credit report. Transunion as also deleted some accounts from my report excluding XXXX XXXX  XXXX ( XXXX XXXX ) which still remain on my Transunion report after multiple disputes and Identity Theft Report sent. XXXX  have not removed anything from my credit report after calling and disputing the fradualnt transactions by phone and sending 2 deputes by mail with NO RESPONSE! Someone has been living their life for years pretending to be me, using these accounts to live a normal life while I suffer unable to get jobs, apartments, credit cards etc because of Identity Theft. Under the Fair Credits Act 15 U.S.C. 1681, I am requesting this information to be removed.

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 2020-08-18 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: Berlin-Wheeler, Inc. (Kansas)
State: GA

Complaint narrative:
I have a loan with XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ), BERLINWHR-KS ( Original Creditor : 10 XXXX XXXX XXXX ), and XXXX XXXX  ( Original Creditor : 10 XXXX XXXXXXXX XXXX XXXX XXXX  ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXXXXXX, XXXX XXXX XXXX ( Original Creditor : XXXX   XXXX ), BERLINWHR-KS ( Original Creditor : 10 XXXX XXXX XXXX ), and XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.

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 2020-08-18 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: Stallings Financial Group, Inc.
State: GA

Complaint narrative:
I have a loan with XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ), XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), and STALLINGS FN ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ), XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), and STALLINGS FN ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PROSPERITY BANCSHARES, INC.
State: TX

Complaint narrative:
My identity was stolen in XX/XX/2017. It created financial hardships. However I was careful not to go past 30 days on mortgage payments. Then Hurricane Harvey XX/XX/XXXX and flooded my homestead with 32 '' and hit my second home in XXXX XXXX. I lost my complete office at my home and everything was in disarray. Total of both claims was approx. XXXX My credit report reflects I was late on my homestead and second home during XX/XX/2017, the month of Hurricane Harvey. I have asked for forbearance but the man just said payments are due first of month and I should have made the payments before the flood. He was very calloused and personal. 
I have sent Prosperity Bank copies of the XX/XX/2017 Sheriff 's report and Prosperity is very aware of the large FEMA claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: DC

Complaint narrative:
I currently have 4 Direct Consolidation Loans serviced at FedLoanServicing. 

Following the XXXX pandemic, the Federal Student Aid website ( XXXX XXXX XXXX ) states that Any payment you made during the administrative forbearance period (XX/XX/2020, through XX/XX/2020 ) can be refunded. Contact your loan servicer to request that your payment be refunded. 

On XX/XX/2020, I submitted an online ( https : //accountaccess.myfedloan.org/contactUs/index.cfm? event=sendUsAnEmail ) email request to FedLoanServicing to get a refund for my XX/XX/2020 auto debit payment in the amount of {$540.00}. On XX/XX/2020 at XXXX XXXX, I received an automated email reply with subject line FedLoan Servicing confirms receipt of your email that stated, Thank you for contacting us. In response to your email, we wanted to share some of the information that our customers have found most helpful to answer your Billing & Payment questions. The email additionally provided web links to Frequently Asked Questions and also stated that, If you can't find what you need online, give us a call at XXXX and speak to one of our experienced loan counselors. 

It has been 48 days since my initial request, and I am concerned that FedLoanServicing is not processing my refund request that I sent them on XX/XX/2020. 

I would like to seek out the assistance of the US Consumer Financial Protection Bureau to ensure that the refund of my XX/XX/2020 payment is processed by FedLoanServicing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Peoples Financial Corp.
State: GA

Complaint narrative:
I have a loan with PEOPLES FIN. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and PEOPLES FIN with no successful resolution. XXXX  only reporting me late. There was definitely an error on their part. I was never 30 days late ( XX/XX/2018, XX/XX/2018, XX/XX/2018 )

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 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: TX

Complaint narrative:
XXXX  XXXX  and Transunion are all reporting multiple inaccurate information about me via my credit reports. I have sent them multiple certified mail pieces and called multiple times, seems to have a problem providing me with how they are verifying any accounts. my credit was hacked and i have been trying to get them to cooperate

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 2020-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I tried to obtain Equifax full credit report to dispute an item creating ecnomic hardship. 
I went to the website and tried to find the " disputes '' page, but " page not found. '' Or when I tried to login, the website refused to accept my password ( they were right ) so i had to change it ; then I logged in and still could not access my credit report to dispute an item. Then I logged out, tried logging in again, ended up again on a page " file not found. '' So I just tried to access the full credit report and ended up at the payment page. Allegedly credit reporting bureaus are providing free credit reports during the COVI19 pandemic, this is a scam to get people to pay for what was once a free service to dispute items on credit report and obtain full credit reports for this purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 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: CITIBANK, N.A.
State: MI

Complaint narrative:
XX/XX/2020 brought account current with Citibank Costco Visa anywhere card. 
Paid {$330.00} in charges ; Costco credited {$530.00} to bring the total to {$860.00} due on XX/XX/2020. 

XX/XX/2020 I received a notice from XXXX that a 30 day late delinquency was reported by Citibank in the amount of {$71.00} that was allegedly due and payable also on XX/XX/2020 -- but no written statement shows this amount outstanding. 

I logged into my Citibank online account and the account shows a charge of {$83.00} was charged to my account on XX/XX/2020 -- I called citibank asking for an explaination why my account was marked 30 days late when I brought it current on XX/XX/2020. The 30 days late XXXX has it marked for XX/XX/2020 ; XXXX and XXXX has it marked for XX/XX/2020 is creating economic hardship because i can not qualify for refinancing my mortgage. The 30 days late mark has caused my credit score to  drop from XXXX ( Very good ) to XXXX ( poor ) or 98 points. 

The Customer Service Supervisor stated additional interest ( allegedly ) accrued on my account AFTER bringing the account current between XX/XX/XXXX and XX/XX/XXXX which was due on XX/XX/XXXX. BUT no one would know this because the computer system didn't post the past due interest until XX/XX/2020 when the bill was generated, printed and mailed. 

She told me to call collections, I spoke to XXXX. XXXX removed late {$40.00} fee, removed 29.99 % PENALTY INTEREST rate and PREMIUM PRICING on each charge. He told me to contact Cittbank to have the 30 days late corrected. 

I am XXXX and have had great difficulty writing -- so I found help XX/XX/2020. I have tried to contact Citibank to verbally dispute this charge pursuant to the Americans with Disabilities Act Effective Communications to no avail. 

I also tried to dispute the 30 days late with XXXX, XXXX, and XXXX but I can not access their online websites to do so.

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 2020-08-18 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: Rent Recovery Solutions
State: AR

Complaint narrative:
Rent Recovery Solutions have submitted {$2500.00} on my credit report, I left this apartment in good standings owing nothing, infact was expecting a refund. talked to manager before leaving and she even stated i could keep the mailbox key until i had address changed over. The apartment was cleaner then when i moved in. The reason i moved out was roaches and bugs, was never painted i had to do all of that. manager would say it will be done but never was. This was 2015 i think. also when i took the key back a few days later someone had already moved in. my lease was up ... .I have tried calling to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 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: FL

Complaint narrative:
I sent request to solve problem with accounts which are not belong to me and never were opened by me. For a long time ago I have already find out this problem with company listed in identity theft. All of these accounts with {$0.00} balance and paid in full, but with lateness and they are not belong to me. I dont believe that these accounts are correct, but they are being reported to my credit, and I am trying to make sure everything on my credit is correct. I dont recognize these debts. It's not my accounts. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately.

Due to possible inaccuracies in these CRA reports, I must demand that the validation I hereby lawfully request be in the form of a notarized statement by a person with original knowledge of the debt as it was constituted and who can testify that the debt was incurred legally, was not subsequently disputed as a result of returned, faulty, or recalled consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claimed as a loss with any insuring entity during the period it may have been payable. Please be advised that I am not requesting a verification that you have my mailing address ; rather, I am requesting validation, i.e., competent evidence that I had some contractual obligation sans consumer protection encumbrance which incurred the original claims associated with this tradeline.

Please know that you have 30 days from the tracked and confirmed delivery of this lawful notice to either answer these demands or to remove the associated negative tradeline notations from the CRA reports. Any other action may constitute evidence of your intent to abridge one or more civil or other constitutional rights. Please be further advised that continued unsubstantiated reporting of possible inaccuracies to third parties may provide a basis for criminal complaints being filed in accordance with FCBA, FCRA, and other federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
First collection notice from XXXX received XX/XX/2020. Spoke with XXXX XXXX at XXXX who reviewed my account and said the information was obvious after I explained I had an existing, positive PayPal account. I considered process resolved at this point. First Convergent email was received XXXX XXXX and I spoke with someone at XXXX. I contacted PayPal to resolve this silliness, and spoke with XXXX in their collections department. He was rude, unhelpful and said to file the dispute. I spoke with XXXX and said this account was fraudulent and they sent my response to PayPal. Fast forward to todays email stating that PayPal called my claim invalid

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Recently I submitted my complaint against TSI - Transworld Systems , Inc. Transworld responded by stating that they received a payment. I am not familiar with said alleged payment as that is not validation of the alleged debt that Transworld has reported to the credit bureaus. Providing a copy of an alleged payment does not validate that I am the responsible account holder for said debt. Therefore, updating my credit file " as paid '' is still not in accordance with the FCRA. If TSI claims to have the right to collect on and or update the status of this alleged debt on my credit file in accordance with the Fair Credit Reporting Act I am asking for FULL validation of this account via contractualdocuments stating and proving that I agreed to and that I am responsiblefor this account. There have not been any agreements baring my signature provided. Therefor, TSI has no  legal right to attempt to collect a debt and or report it to my credit file. TSI is in violation of the FCRA and the FCDPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 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:
To Whom It May Concern, The reason for my dispute is the following accounts : XXXX XXXX, XXXX XXXX, XXXX   XXXX XXXX XXXX, XXXX XXXX XXXX   XXXX, XXXX  XXXX, XXXX   XXXX XXXX I am unable to locate documentation that they comply with this requirement, which is a violation of the FCRA & FDCPA 609 ,623 611, Section 807 ( 11 ) & FDCPA 809, Under 809 failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, these above-mentioned companies are held liable as well for defamation and in the state of OHIO. FDCPA I fail to see where any of these companies are in compliance with OHIO LAW. I also have reported these accounts to the FTC, and XXXX Police Dept. I need this collection account to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
None of these accounts belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
None of these accounts belong to me.

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 2020-08-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
None of these accounts belong to me.

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