vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-08 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: CT

Complaint narrative:
I have a " medical Debt '' from Eastern accounts on both my Equifax and XXXX reports, I was FULLY insured and proof of such is being uploaded into this dispute!!!! 

How can you justify billing ME and not collecting from my insurance? pure laziness!!!!!! 

They love to throw around that the debt is " Valid '' well lets see PROOF of that not just your lying word that its so called " Valid '' because here is MY proof that I was not only insured BUT that the medical visit was 100 % covered by my insurance company. 

It's far too easy these days for these companies to scam and try to collect, " We find it valid '' WELL OF COURSE YOU DO!!!!!!!! no one thinks its a conflict of interest? THEY do the investigating? ohh well you mean they found it valid? no? you don't say!! 

WELL LETS SEE PROOF!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 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: CT

Complaint narrative:
I have a " medical Debt '' from XXXX XXXX on both my XXXX and Experian reports, I was FULLY insured and proof of such is being uploaded into this dispute!!!! 

How can you justify billing ME and not collecting from my insurance? pure laziness!!!!!! 

They love to throw around that the debt is " Valid '' well lets see PROOF of that not just your lying word that its so called " Valid '' because here is MY proof that I was not only insured BUT that the medical visit was 100 % covered by my insurance company. 

It's far too easy these days for these companies to scam and try to collect, " We find it valid '' WELL OF COURSE YOU DO!!!!!!!! no one thinks its a conflict of interest? THEY do the investigating? ohh well you mean they found it valid? no? you don't say!! 

WELL LETS SEE PROOF!!!!!!

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 2021-12-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
loan was forbearance since pandemic started, when my forbearance ended I contacted Shellpoint for whats the next step. We agreed that they will add amount I didnt pay back of the loan and start my new payment XX/XX/2021. They advise me to wait all documents they will mail to me once I receive them I should sign and notarized, mail bank to them and start first payment XX/XX/2021. I did all those things as they instructed me to do so. 
All the sudden I got Alert from XXXX indicating that shellpoint reported late payments in my credit report. 
I have been calling and emailing to shellpoint no one is willing to help me. 
Thats why I am doing this complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zip Co US Inc.
State: AL

Complaint narrative:
I have made SEVERAL attempts to contact this company about the name that is listed on an account! After basically being ignored I filed a XXXX complaint. Whomever responded to that complaint lies and said that I have never contacted them about this situation. Thats a lie. I will upload the screenshot! They accused me of having a relative named XXXX XXXX which I do not! Now quad allegedly ask you for the last XXXX of your social as a way of identifying you! If that is the case then there is no way they would have matched social to the name that they have listed. She made it seem as if I were trying to open an account which I was not. Their response was accusatory and disgusting. Especially considering that the responder lies about me not having contacted them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I opened a XXXX XXXX credit card in XX/XX/XXXX and always paid in full every month. My balance was zero an XX/XX/XXXX and again on XX/XX/XXXX when I closed the card because I didn't use it enough to be worth the annual fee. I received a call last week from XXXX stating that my payment was 57 days past due and I asked how could that be if I closed the account months ago with a zero balance. They stated that a charge was allowed in XXXX of XXXX XXXX months after the account was closed. I have since disputed this charge twice, but have failed to get it removed from my credit report and I am still incurring late charges on a fraudulent charge. I do not receive a paper bill or have access to this account through the app since it has been closed for many months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I opened a XXXX XXXX credit card in XX/XX/XXXX and always paid in full every month. My balance was zero an XX/XX/XXXX and again on XX/XX/XXXX when I closed the card because I didn't use it enough to be worth the annual fee. I received a call last week from XXXX stating that my payment was 57 days past due and I asked how could that be if I closed the account months ago with a zero balance. They stated that a charge was allowed in XXXX of XXXX XXXX months after the account was closed. I have since disputed this charge twice, but have failed to get it removed from my credit report and I am still incurring late charges on a fraudulent charge. I do not receive a paper bill or have access to this account through the app since it has been closed for many months.

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 2021-12-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
PayPal limited my account Will not allow me to accept my cash and withdrawal it Will not approve my identity verification documents

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 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 — Investigation took more than 30 days
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 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: EQUIFAX, INC.
State: MT

Complaint narrative:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Park Hill Holdings
State: GA

Complaint narrative:
I victim of identity theft and I have supplied all the proper documentation showing that the criminal charges that are attached to my name is fraudulent!!! I have issues with the way SafeRent is handling the investigation of these fraudulent charges attached to my name. I feel they are not following the rules and guidelines of the FCRA by not properly investigating the criminal records properly. By simply contacting the reporting company and reporting what the report falls very short of an investigation,

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 2021-12-08 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: PA

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX-Date of Inquiry XX/XX/2020 XXXX XXXXDate of Inquiry XX/XX/2020 XXXXDate of Inquiry XX/XX/2020 XXXX XXXXDate of Inquiry XX/XX/2020 XXXX XXXXXXXX-Date of Inquiry XX/XX/2020

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 2021-12-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I have previously attempted to resolve a disputed collection attempts by this company without success. I have indicated that the debt they claim is not mine and they are using loan shark tactics to collect a fraudulent account. I have tried to file a complaint ( XXXX ) at this organization ( CFPB ) and the company continues to deny and refuses to investigate the ownership of the account in question. I submit the attached letter from XXXX XXXX documenting that I do not owe this debt. Portfolio Recovery Associates continues their tactics despite this proof.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-08 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: PENNYMAC LOAN SERVICES, LLC.
State: VA

Complaint narrative:
When COVID-19 first shut down the country my wife and I had a significant reduction of income. Not knowing how long this would last we used our savings and credit cards to continue paying our bills and expenses. However, as the shutdown continued, we applied to PennyMac for forbearance with our VA loan under the CARES Act. They assured us this would not negatively impact our credit report according to changes to reporting forbearance in the CARES Act. We only used two months for forbearance of which our mortgage statements in XX/XX/2020 and XX/XX/2020 were annotated as " Disaster Forbearance Plan Amount Dut {$0.00} ''. Before the end of XXXX our income from my XXXX XXXX resumed and my wife 's XXXX XXXX income resumed so that we could exit forbearance and resume normal payments. We contacted PennyMac and completed the necessary paperwork to restructure our loan and add the two payments to the end of our loan. Within 30 days of ending forbearance, we sold our home in XX/XX/2020 and paid off the entire mortgage amount to include the two months of forbearance. Subsequently when we applied for a new home mortgage with XXXX XXXX, they informed us of two discrepancies on our credit report showing missed payments in XXXX and XX/XX/2020. We immediately contacted PennyMac through their messaging service and informed them of these errors and they responded they would not make any corrections to our credit reports despite the CARES Act requiring forbearance accounts to show as current.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: AL

Complaint narrative:
We refinanced our home in XXXX. 

We had sufficient homeowner 's insurance at that time ; however, the lender wanted us to have different homeowner 's insurance because the premiums were less. This was the only way for us to refinance. 

I contacted our insurance agent and asked them to cancel our policy with the carrier. When I called XXXX weeks later, I found out that the policy had not been cancelled, but the premium had been paid. I told the insurance agent that it needed to be cancelled. I never received any renewal notices and never heard anything additional from my insurance agent, insurance carrier, or my mortgage company. 

Fast forward to XX/XX/XXXX, I started receiving notices from my mortgage company that I was behind on my payments. I made a call and finally found out that the mortgage company had paid both premiums- the insurance that I originally had and the insurance that was force placed upon me during the refinance. The mortgage company is demanding that I pay them back the premium for the policy that I originally had and tried to cancel - {$6100.00}. 

Since XXXX in the State of Alabama, a dwelling can not have two different homeowner 's insurance policies in place. I've tried to explain this to my mortgage company and they are insisting that I pay for XXXX and XXXX - the years that they paid the premiums. They never contacted me about paying two homeowner 's insurance policies, never cancelled the one that was force placed upon me, and never made any contact about this issue. 

I've made every payment of my mortgage for XXXX, never been late and yet, because I haven't been paying the full amount to pay them back for the insurance premiums, they have stacked late fees and penalties against me ... my credit is completely ruined. 

I shouldn't have to pay back premiums for which I tried to cancel and my mortgage company willingly and knowingly paid which was illegal.

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 2021-12-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I made a on time payment to TJX card to synchrony bank on XX/XX/2021. On this new billing cycle I was charged a late fee of {$38.00} even though I had paid on time. I was told by a customer service rep with synchrony that I paid to early. I don't see anything on there statement that's says you are penalized for paying a credit card bill to early. The federal government needs to start cracking down on these greedy credit card companies who are out to make a profit and are fraudently charging customers late fees who pay on on time or early on there bill.

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 2021-12-08 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC
State: IL

Complaint narrative:
On XXXX XXXX, I was given a XXXX dollar loan from lendumo financial. The annual apr for this loan is 765 %. XXXXThis is in violation of The Illinois pay day loan reform act which states a company may not charge no more than XXXX per XXXX of interest, and charge a maximum of XXXX percent interest per year .therefore making this loan illegal in the state of Illinois..Per section XXXX of the Illinois payday loan reform act XXXX give out payday loans to customers the company must be licensed in the state of Illinois which lendumo loans is not..This loan is also is illegal in the state of Illinois per sec XXXX of the pay day loan reform act which states for a company to operate as a payday lender in the state of Illinois, the company must be licensed with Illinois department of financial regulation which this company is not therefore making this loan illegal and unenforceable under Illinois state law..To this date I have paid XXXX dollars on this illegal loan in the state of Illinois and an unenforceable loan per Illinois state law

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I reported a fraudulent transaction my account on XX/XX/XXXX. I received the new card on XX/XX/2021. Between XX/XX/XXXX thru XX/XX/XXXX, someone was still using the deactivated card that I reported on the XXXX so I had to call back. One transaction was processed in the back office and the bank can't tell me where it came from. On XX/XX/2021 I was told my account had been closed due to business rules and regulations. Not quite sure what that meant but I have been baking at this bank for years and not one person can tell me what rules and regulations that I am violated considering all I did was report fraudulent activity and yell a few folks. I then tried to open an account at XXXX XXXX and got told the same thing. There is nothing on my XXXX report and I don't have bad credit. SunTrust has done something and I am NOT standing for this. My next call is to an attorney! I won't be penalized for something that I didn't do.

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 2021-12-08 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
On XX/XX/XXXX a XXXX unauthorized transaction for {$270.00} was posted on XX/XX/XXXX to my BOA credit card account. I discovered this fraudulent non-approved charge on XX/XX/XXXX and reported it immediately to Bank of America and had the card number locked to prevent any additional fraud from occurring. I received a message on XXXX stating the claim was resolved, credit was place on the account and I would be notified of any changes. 

After reporting this message of resolution, I received no additional communication from Bank of America. I assumed that like all major credit cards and like the previous correspondence stated, if changes or additional documentation was requested I would receive notification by either phone, mobile platform, or US mail. No subsequent notification from BOA was received. On checking my transaction history on XXXX, I noticed that the fraudulent charges for {$270.00} was reposted to my balance on XX/XX/XXXX. Additionally there was a BAL ADJ/ also added an additional {$270.00} charge on my account posted the same day ( XX/XX/XXXX ). This is {$540.00} in charges added to the balance with zero explanation or documentation. 

I called customer service, relaying the above information. The BOA rep ( I do not recall their name ) inform me that my card was used on XXXX and I received a package that was purchased from XXXX. After being placed on hold for around XXXX minutes, this BOA told me to call XXXX and resolve this issue. 

I had to end the conversation due to other obligations, but the BOA rep asked me to send ( in writing ) description of what happened along with my XXXX purchase history. 
Here is my problem : 1 ) I didnt authorize {$270.00} on XX/XX/XXXX and thus I reported as fraudulent 2 ) I dont have a XXXX account so was unsure what the Rep was talking about 3 ) I dont have an XXXX account so I have no documentation to send 4 ) I received nothing from XXXX because I dont purchase from XXXX. 

Again, the charges placed for {$270.00} on XX/XX/XXXX are fraudulent. I, nor my authorized users authorized this charge, and I asking that these charges be removed from my account fully. Additionally, the BAL ADJ/ charge of {$270.00} ( dated XX/XX/XXXX ) is also not authorized, and thus should be removed. Since I dont recognize the origin of the BAL ADJ/ transaction for XXXX on XX/XX/XXXX, I am officially requesting the BAL ADJ/ should to be removed from the account. 

The BOA rep was unable to help be resolve any of these fraud cases, and continued to state that I had ordered an item from XXXX which is not true.

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 2021-12-08 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: EQUIFAX, INC.
State: NY

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation