vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-10 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: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I have repeatedly disputed this XXXX XXXX account that continues to exist as an outstanding balance on my credit report. XXXX  XXXX and Portfolio Reacovery Associates refuses to correct this issue.They are only concerned with getting the money but is not concerned with correctly reflecting the accurate information on my credit report. 

XXXX XXXX referred my account number ending in XXXX to Portfolio Recovery Associates. Portfolio assigned a different number to this account XXXX and I paid this account in full to Portfolio recovery associates on XX/XX/2020. 

Portfolio only reported to the credit bureaus that the collection account was paid in full, not the XXXX XXXX account with the original number ending in XXXX. Portfolio never reported to XXXX XXXX that this account was paid or maybe it did and XXXX XXXX refused to update to all three credit bureaus that this account has been paid in full. The account has two different numbers, one resides with XXXX XXXX and the other with Portfolio recovery associates but this is the same account. 

I have attached the documentation that this account has been paid in full from Portfolio. I called XXXX XXXX last month and they assured me that they would get this taken care of and will collaborate with Portfolio Recovery Associates that this will be taken care of. It never was. My credit report from all three bureaus is unfairly and inaccurately showing that I still have an oustanding balance with XXXX XXXX with the account ending in XXXX and this is incorrect. This account has been paid in full with Portfolio recovery associates. I have also attached how this account appears on my XXXX  credit report. This is laziness, unprofesionalism and unethical behavior on the part of XXXX XXXX and Portfolio recovery associates to refuse to correct this on my credit report. 

I also called Portfolio recovery associates last month and told him that Portfolio had assigned a different number than what XXXX XXXX had one file and they are only reporting for the collections account. The beligerent, hard-headed man that I spoke to refused to listen to me and insisted that there was only one number assigned to this account and it was the account number originally assigned by XXXX XXXX. 

Please impose penalties on both of these companies for violating the provision of the Fair Credit reporting act for failing to report accurate information to consumer credit reports and enforce them to update that my XXXX XXXX account has been paid in full because the collections account by Portfolio recovery associates and XXXX  XXXX account are on in the same. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 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: AR

Complaint narrative:
refer to cfpb compliant XXXX. 

My compliant is this credit bureaus has not complied with fcra guidelines and provided me proof of their investigation. 

This credit bureau has not furnished to me in writing the proof of the investigation of my complaint filed back in XX/XX/XXXX with in 30 days on the inaccurate reporting of 3 different bankruptcies inaccurately listed on my credit file. 

This credit bureau is in violation of FCRA for non compliance of inaccurate data furnished on my credit file and not providing me proof ( i.e. signed petition of bankruptcy ) XXXX  not reporting correctly and I need the Proof! 

XXXX  vs. Transunion XXXX and FCRA and Congress says the Burden of Proof is on the credit reporting agencies.

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 2020-12-10 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: MD

Complaint narrative:
THIS ACCOUNT IS FRAUD AND COMPANY WILL NOT SEND ME A COPY OF THE ORIGINAL CONTRACT WITH MY SIGNATURE, WHICH THEY ARE REQUIRED TO DO BY LAW. SECONDLY THE CREDIT BUREAU HAVE NOT SENT ME A DECISION SINCE THE ORIGINAL FILING OF XX/XX/2020 WHICH AS OF TODAY HAVE BEEN 60 DAYS ..PLEASE ENFORCE THE REMOVAL OF THESE ITEMS OFF MY CREDIT REPORT PLEASE. IM ALSO FORWARDING A COPY OF A POLICE 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 2020-12-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings
State: LA

Complaint narrative:
I ask company to validate this debt they couldn't there reporting illegal activity on my credit report they sent me a contract with someone address on it that does not belong to please delete this account for reporting inaccurate and false information and I have proof

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 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 HAVE HAD A CHANCE TO CAREFULLY REVIEW MY CREDIT FILE AND I CAME ACROSS SOME DEROGATORY ACCOUNTS THAT IS REPORTING ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE ACCOUNTS HAVE NOT BEEN AUTHORIZED BY ME. THE ACCOUNTS DO NOT BELONG TO ME AND IS NOT AFFILIATED WITH ANY TRANSACTIONS THAT HAVE BEEN MADE BY ME. I AM ASKING THAT YOU PLEASE LOOK INTO THIS MATTER AND RESOLVE THIS ISSUE BY REMOVING THE DEROGATORY ACCOUNTS OFF OF MY CREDIT FILE AS SOON AS POSSIBLE.

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 2020-12-10 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 HAVE HAD A CHANCE TO CAREFULLY REVIEW MY CREDIT FILE AND I CAME ACROSS SOME DEROGATORY ACCOUNTS THAT IS REPORTING ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE ACCOUNTS HAVE NOT BEEN AUTHORIZED BY ME. THE ACCOUNTS DO NOT BELONG TO ME AND IS NOT AFFILIATED WITH ANY TRANSACTIONS THAT HAVE BEEN MADE BY ME. I AM ASKING THAT YOU PLEASE LOOK INTO THIS MATTER AND RESOLVE THIS ISSUE BY REMOVING THE DEROGATORY ACCOUNTS OFF OF MY CREDIT FILE AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I submitted a formal written request to all 3 credit bureaus ( Experian, XXXX  and XXXX ) on/around XX/XX/2020 seeking the deletion of erroneous and inaccurate information contained in my credit file. I requested a reasonable reinvestigation as defined by 15 U.S.C. 1681 ( 1 ). In particular 1681 ( i ) ( a ) ( 1 ) ( a ) requires that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute. I requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they may also perform a reasonable investigation. However, it has been more than 7 months from my written request I still have not received any responses.

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 2020-12-10 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:
AFTER CAREFULLY REVIEWING MY CREDIT FILE I CAME ACROSS SOME DEROGATORY ACCOUNTS AND AN ENTRY IDENTIFIED AS INQUIRY THAT WAS PLACED ON MY CREDIT FILE. I HAVE NO KNOWLEDGE OF THE ACCOUNTS AND INQUIRY. THE ACCOUNT AND INQUIRY HAS NO CONNECTION WITH ANY TRANSACTIONS THAT WAS MADE BY ME. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRY SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I WOULD GREATLY APPRECIATE YOUR ASSISTANCE IN RESOLVING THIS MATTER.

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 2020-12-10 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:
AFTER CAREFULLY REVIEWING MY CREDIT FILE I CAME ACROSS SOME DEROGATORY ACCOUNTS AND AN ENTRY IDENTIFIED AS INQUIRY THAT WAS PLACED ON MY CREDIT FILE. I HAVE NO KNOWLEDGE OF THE ACCOUNTS AND INQUIRY. THE ACCOUNT AND INQUIRY HAS NO CONNECTION WITH ANY TRANSACTIONS THAT WAS MADE BY ME. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRY SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I WOULD GREATLY APPRECIATE YOUR ASSISTANCE IN RESOLVING THIS MATTER.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 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: NC

Complaint narrative:
i have unauthorized inquiries that need to be removed I didn't do this

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 2020-12-10 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: FL

Complaint narrative:
I received a letter from a collection company ( XXXX XXXX ) that informed me an account from PayPal was sold to them with a debit owed in the amount of {$2800.00} in my name from the year XXXX. They could not give me any specifics about the amount other than saying it was an overdraft and redi reserve. They referred me to contact PayPal at XXXX XXXX whom I called and was told to contact another dept at XXXX XXXX. I called them and got no more information about this. This is the first time I have heard of anything about this. I never had anything to to with this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Due to coronavirus I am currently receiving unemployment. In around XXXX or XXXX I submitted a claim for fraudulent activity from information I received from the banks automated services. I wasnt able to go online to check my account until XXXX when I noticed there were several other trans actions and inquiry in my account that were suspicious. I have since added these inquiries to the claims I already have in process with bank of America. at this time I am filing a police report in order to help bank of America with there investigation to resolve this issue and in hope of prosecuting the person / persons involved. if you have any questions or need any other information from me feel free to contact me at XXXX, XXXX XXXX XXXX XXXX, here are the issues at hand, here are the claims I have open with bank of America & there claim # s/ # XXXX # XXXX, # XXXX, and the trans actions that took place that wasn't me. a withdrawal of {$100.00} to XXXX  XXXX XXXX  forward XXXX XXXX XXXX, XXXX. A purchase of {$69.00} at XXXX XXXX XXXX { same as above address } for a total of {$170.00}. next claim # for card # XXXX # XXXX XX/XX/20 XXXX XXXX in XXXX  XXXX, ca . with draw of {$1000.00}. on XX/XX/20 a with draw of $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, ca. for a total of {$1700.00} claim # XXXX card # XXXX. XX/XX/20 inquiry in XXXX XXXX, wa. XX/XX/20. with draw of {$100.00}. at bank of America XXXX XXXX Wa. ATM. XX/XX/20 inquiry XXXX XXXX wa. XX/XX/20. with raw {$200.00}. at XXXX XXXX XXXX wa. on XX/XX/20 bank of America inquiry XXXX XXXX XXXX, XXXX, wa. on XX/XX/20, bank of XXXX with draw of {$460.00} from XXXX  XXXX  XXXX , XXXX wa . XX/XX/20 in XXXX XXXX XXXX atm XXXX XXXX XXXX , XXXX  XXXX , new York XXXX. XXXX. with draw of {$41.00}. from XXXX XXXX XXXX. XXXX XXXX, new York. XXXX. XX/XX/20 inquiry from XXXX XXXX, new York. on XX/XX/20 with draw of {$90.00}. from .bank of America XXXX XXXX new York . XX/XX/20 a bank of America atm inquiry. from XXXX XXXX new York. of a total on this card is {$890.00}. total of all caims is {$2700.00}. imsorry that this is a lot to cover but I would greatly appricate if you could please help me to get my money back. any questions please don't hesitate to call me at XXXX my address is XXXX XXXX  XXXX , XXXX , ca. XXXX. XXXX XXXX XXXX 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 2020-12-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX

Complaint narrative:
My mortgage company ( Lakeview Loan Servicing ) has held my refund for over 2 months!!! They keep telling me that I will be receiving my check " next week '' and it has been two months later.

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 2020-12-10 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: NV

Complaint narrative:
I submitted a formal written request to all 3 credit bureaus ( XXXX TransUnion and XXXX ) on/around XX/XX/2020 seeking the deletion of erroneous and inaccurate information contained in my credit file. I requested a reasonable reinvestigation as defined by 15 U.S.C. 1681 ( 1 ). In particular 1681 ( i ) ( a ) ( 1 ) ( a ) requires that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute. I requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they may also perform a reasonable investigation. However, it has been more than 7 months from my written request I still have not received any responses.

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 2020-12-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: MN

Complaint narrative:
XXXX : Freedom Mortgage, at XXXX XXXX XXXX, XXXX, SC XXXX Freedom Mortgage is currently my loan servicer on my primary residence. All of my payments to Freedom Mortgage per my monthly agreement have been made on time since inception of the loan. In that agreement they collect monthly money from me in an escrow account to pay my insurance company directly for Hazard/Home insurance. Freedom Mortgage is failing to make payment to my insurance company to cover my primary residence with insurance, which was due on XX/XX/XXXX. In talking to Freedom Mortgage they stated that they could not pay my insurance to the insurance company, XXXX XXXX, because of non-response from XXXX XXXX. They stated to have contacted XXXX XXXX on XX/XX/XXXX and XXXX of XXXX. I have paid my insurance separately XXXX XX/XX/XXXX XXXX, on my own accord, to keep current with insurance. Freedom Mortgage continues to collect escrow money for insurance when I have informed them to not, since they are not paying the insurance company as agreed upon in our mortgage agreement. Their service representatives have given me multiple different explanations that do not match up. On the same day, XX/XX/XXXX, they stated that nothing was paid to XXXX XXXX in the form of insurance payment, and then 10 minutes later with another representative they reported to me that overnight payment was just sent. Freedom Mortgage has not been honest or keeping to the mortgage agreement in their payments or operations regarding insurance payment for my home.

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 2020-12-10 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: FL

Complaint narrative:
AFTER CAREFULLY REVIEWING MY CREDIT FILE I CAME ACROSS SOME DEROGATORY ACCOUNTS AND AN ENTRY IDENTIFIED AS INQUIRY THAT WAS PLACED ON MY CREDIT FILE. I HAVE NO KNOWLEDGE OF THE ACCOUNTS AND INQUIRY. THE ACCOUNT AND INQUIRY HAS NO CONNECTION WITH ANY TRANSACTIONS THAT WAS MADE BY ME. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRY SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I WOULD GREATLY APPRECIATE YOUR ASSISTANCE IN RESOLVING THIS MATTER.

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 2020-12-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth
State: TN

Complaint narrative:
I have repeatedly disputed with the company INPT CONSLT OF FL, Their are charges found on my credit report that are fraudulent. The dispute states always comes back as " verified as accurate. I can prove during the time of these charges I didn't live in the state of Florida, and I can prove I was living and working in the state of tn. By court records of XXXX  and irs verification of employment. I do not know who used my social to go to several hospitals in Florida but most of the other accounts have been taken off my credit report. this one is a XXXX $ collection that was opened on XXXX XXXX, 2018 ( 2 yrs, 2 mos ).

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 2020-12-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CT

Complaint narrative:
My name is XXXX XXXX XXXX am writing you in regards to the Mr. Cooper settlement I was told by the Atty Generals Office to contact you Identifying myself as a claimant I Have been dealing with this company regarding the modification forced upon me. They first approved a forbearance where I had to pay half my mortgage for six months which I did all on time I have never ever fallen behind on payments my reason for the forbearance was due to illness. I later learned they could have asked for the difference to keep me on track what they did to me was force me into a 40 year mortgage which during the XXXX Modifications should have lowered my interest which never happen and they also gave me a 40 year loan when I could of paid {$3000.00} to put the account up to date when I tried to get this looked into they only told me to make an additional payments every year to try and catch up. This is not right I just learned about the settlement from the Attorney Generals office my understanding is That the settlement is approximately awarding about {$1500.00} to each borrower that is a disgrace. I have worked till the day I got sick a single mother trying to get by. When diagnosed I received the meds that would get me through at least work part time also preparing for a child entering college the 21 years I have had this home never have I missed a payment they would call and harass if I went into my grace period charging me if I paid it on the last day when I knew I had to pass that date to be late. I don't know if you make any decisions or if I need more explanations but shouldn't they go back and correct the math on the money they have stolen from us the customers and put our accts with a credit if not paid off or do they get away with it I paid {$130000.00} in ten years I do need the exact date to be correct on how long this was. I have suffered cried for months and stressed this for years. Thank you for your attention, XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
We deposited a check for {$1700.00} on Friday night ( XX/XX/XXXX ) using the Chase Mobile App, which was for items we sold to the buyers of our house. On XX/XX/XXXX, the buyers stopped payment on the check. So even though we presented the check BEFORE they stopped payment, the bank still withdrew the funds away from us and did not honor the {$1700.00}.

Company response to consumer: Closed with explanation