vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-13 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 — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
To XXXX, XXXX and TransUnion-Consumer Reporting Agencies. I am requesting a copy of my credit reports, credit files and investigative consumer report from XXXX, XXXX, TransUnion. I sent an Affidavit of Truth verifying my identity and I would like all pertinent documents sent to the address included on the Affidavits. Enclosed are copies of the affidavit of truths, and US certified mail receipts.

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 2020-11-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
Sunrise Credit Services does not hold true to their word. Didn't receive any information about an outstanding bill from XXXX XXXX XXXX ( did not owe to XXXX XXXX XXXX and still sent to collections ). To come to some agreement to make this go away I asked if I paid would this be deleted from my credit. The 1st operator stated it would and they would send me a letter verifying after I paid. That never came. I called back and talked with XXXX XXXX and he stated it would be removed in 5 business days. That never happened. Now I called and was told Sunrise doesn't delete from your credit ( why are there so many reviews stating they do ). DO NOT TRUST Sunrise. 

Sunrise misrepresented the action they would do in order to collect money.

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 2020-11-13 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: FL

Complaint narrative:
I have disputed an account from my credit report that is still there and per the laws incorrect and inaccurate info would be grounds for removal and this has not happened. Not only has it not happened I have never received my investigation results. One of the times I even sent out the mail via certified so I know they received my letters. I never received my first set of responses so the second set I mailed certified. I'm asking my XXXX  XXXX XXXX account I'm disputing to be deleted for it's inaccuracy and for the lack of response. 

I sent out the first set XX/XX/20 2nd set- XX/XX/20 3rd set XX/XX/20

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 2020-11-13 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: FL

Complaint narrative:
I have disputed an account from my credit report that is still there and per the laws incorrect and inaccurate info would be grounds for removal and this has not happened. Not only has it not happened I have never received my investigation results. One of the times I even sent out the mail via certified so I know they received my letters. I never received my first set of responses so the second set I mailed certified. I'm asking my XXXX XXXX XXXX account I'm disputing to be deleted for it's inaccuracy and for the lack of response. 

I sent out the first set XX/XX/20 2nd set- XX/XX/20 3rd set XX/XX/20

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 2020-11-13 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: NY

Complaint narrative:
I recently sent letters over 60 days ago to TransUnion and they are disregarding a regular consumer disputes. I'm stressed and have been sending letters before this and still no response.

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 2020-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My identity was used by someone else to open fraudulent accounts. This has resulted in the following FRAUDULENT items to appear on my credit reports : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am seeking to have the FRAUDULENT information removed from my credit reports. I have already sent the credit bureaus documentation supporting my claims. The credit bureaus are still reporting the FRAUDULENT items.

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 2020-11-13 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: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
On XX/XX/2016 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

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 2020-11-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
After informing Bank of America of my identity theft situation and providing the necessary documents, they did not adhere to the FCRA 's Notice of Furnishers and continued reporting fraudulent information to the credit bureaus. I provided both a police report and an identity theft report from the Federal Trade Commission. I am XXXX and haven't had full autonomy of my finances for many years. I am requesting that I be absolved of any and all association to account ending in # 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 2020-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Prosper Marketplace, Inc.
State: DC

Complaint narrative:
I am a victim of Identity theft. The perpetrator ( s ) used my information to try to open a loan with XXXX XXXX XXXX. This company accessed my file through XXXX XXXX XXXX. 

I contacted XXXX  and they claimed they had permissible purpose to access this file but WOULD NOT PRODUCE IT. This is a violation of federal law. The customer service area then said there was no signed disclosure or no physical evidence of Permissible Purpose available. 

I have enclosed a letter to this company. 

This inquiry is negatively impacting my credit score. I have contacted XXXX  directly and they refused to remove it

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
2nd complaint, same issue, Chase did not resolve first complaint, I opened an account online since I suffer from XXXX and am XXXX XXXX, that is how I'm forced to do my banking, I deposited a {$7.00} rebate check shortly after opening the account online and was notified by Chase that my account was frozen due to fraudulent activity, I called Chase and spent several hours on hold on day 1, day 2 and day 3, i was finally connected with a person although I could barely understand her English, I was told the account had been released and she could close it if I answered some question to verify my identity, the first 2 question I couldn't understand what she was asking me, the 3rd was what auto license # was associated with me, as I previously stated I'm XXXX and in NYS your not allowed to drive when your XXXX. I was unable to answer these inane questions and was told " sorry nothing she could do '' I then filed a complaint and was contacted by someone from corporate, he told me he would handle it. well all he did was " nothing '' the hold had already been lifted anyway, the problem remains that I cant close the account, i spent another 40 minutes on hold today 1st with customer service then with corporate, only to be told Id have to call customer service again. If Chase allows a person to open an account online, since they are unable go to a brick and mortar bank, they need to allow them to conduct the rest of their business remotely as well. if Chase is more in need of the {$7.00} than I am they can have it, I simply don't want an account in my name with a bank that can arbitrarily accuse me of Fraud, with no explanation. I want the account closed period. Im attaching the letter from Chase, from the first complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My identity was used by someone else to open fraudulent accounts. This has resulted in the following FRAUDULENT items to appear on my credit reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX I am seeking to have the FRAUDULENT information removed from my credit reports. I have already sent the credit bureaus documentation supporting my claims. The credit bureaus are still reporting the FRAUDULENT items.

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 2020-11-13 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: NY

Complaint narrative:
My identity was used by someone else to open fraudulent accounts. This has resulted in the following FRAUDULENT items to appear on my credit reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX I am seeking to have the FRAUDULENT information removed from my credit reports. I have already sent the credit bureaus documentation supporting my claims. The credit bureaus are still reporting the FRAUDULENT items.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I have been using PayPal for multiple years to transfer payouts from my XXXX sales into my bank account. I also use PayPal to invoice people for sneaker deals. I sell a variety of items on XXXX, from sneakers to video game consoles. Paypal has collected thousands of dollars in fees from my sales over the years, and I have been a very dedicated customer. Recently, PayPal stole {$3600.00} of my earnings without explanation. I would greatly appreciate your review of my account and prompt resolution. 

A timeline proceeds : 1. On Saturday, XX/XX/2020, Paypal notified me of an account access limitation. It stated I could no longer do business with PayPal but didn't provide a reason why. 
2. PayPal communicated they were holding my balance of {$3600.00} for 180 days. After 180 days ( which was XX/XX/2020 XXXX, Paypal would email me with directions on how to access the funds and deposit them into my bank account. 
3. I still have not received any emails or guidance on how to access my balance.

4. However, my account, as of XX/XX/XXXX, was updated to show a {$0.00} balance with a new transaction showing the money being transferred to Paypal. I didn't make this transfer.

5. My account balance of {$3600.00} seems to have been stolen by PayPal, and the memo attached below states that my balance was removed because of a " Violation of the PayPal XXXX. '' 6. I don't know what this means and I received no information on which part of the XXXX  I violated, nor how to access my money. I was also not informed that my money was taken by any form of communication. The robbery was silent. 

COVID-19 is taking a large toll on small business owners like myself, and PayPal stealing a significant portion of my revenue is not helpful. Please help me resolve this situation and return my money ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On date XX/XX/2020, I noticed that XXXX  XXXX XXXX is still reporting on my credit report. This credit is over ( 7 ) years old. Due to the statute of limitations on debt in the state of NY in which I reside in this account must 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 2020-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Navy federal credit union garnished my entire checking and savings account {$2000.00} because they said that I owed a credit card that was in collections a year ago. I talked to them before and was told that since it was in collections that my checking or savings account would not be touched. They also let me open a checking account and I deposited {$500.00} in it and then days later after they took my money they call to tell me that they were closing my account because I didnt qualify for a checking account with them. This was after they opened my account and let me deposit money into the account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 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: Colony Brands, Inc.
State: GA

Complaint narrative:
This account with SWISS COLONY / XXXX XXXX XXXX, WI XXXX, was disputed and deleted back in XX/XX/2020, for being a non-reportable account. This account was opened as a noncredit reporting and noncredit based account. The creditor keeps reporting this account after it's removed, causing me financial hardship, pain, and suffering.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 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 — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
To XXXX, Experian and XXXX-Consumer Reporting Agencies. I am requesting a copy of my credit reports, credit files and investigative consumer report from XXXX, Experian, XXXX. I sent an Affidavit of Truth verifying my identity and I would like all pertinent documents sent to the address included on the Affidavits. Enclosed are copies of the affidavit of truths, and US certified mail receipts.

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 2020-11-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Mediation Recovery Center
State: VA

Complaint narrative:
This company is purchasing 12 year old debt. A debt that I settled with the original creditor in 2009. This company out of no where, has filed inquiries on my consumer report causing it to decrease by points, they have been harrassing me by email looking for money for a years old debt. I advised the person XXXX XXXX not to contact me by writing or phone ever again, or they would be reported for harrassment. They are now harrassing me with annoying letters asking for money I do not owe them. They are also threatening by letter to pursue further collection efforts on a debt over a decade old, and attempting to call and harrass.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 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: Freedom Mortgage Company
State: FL

Complaint narrative:
Myself and my husband refinanced our current mortgage with Freedom. We decided to stay with Freedom as the process would be easier and it was only to reduce the interest rate. We signed our final papers with a notary on XX/XX/XXXX. The loan was funded on XX/XX/XXXX. Freedom mortgage acknowledges this. But they reported our old loan # XXXX as 30 days late. We were told by Freedom mortgage to not pay XXXX because we would close before the end of the month to which we did. Our new loan # XXXX was effective XX/XX/XXXX with our first payment due XX/XX/XXXX. Not only did Freedom mortgage report us late, but our old loan still shows open. Our credit shows that we have {$780000.00} in mortgages. They have never closed the old loan out. These 2 errors from Freedom Mortgage has severely affected us. As a result of this, 2 credit cards we have have reduced our limits because of 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 2020-11-13 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I was checking my credit today so I could get a home home and I noticed these erroneous accounts that are listed below : Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : JPMCB Account Number : XXXX Account Name : XXXX  XXXX XXXX Account Number : Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I was checking my credit today so I could get a home home and I noticed these erroneous accounts that are listed below : Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : Bank of America Account Number : Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : 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