vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-10 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: First Advantage LNS Inc.
State: VA

Complaint narrative:
It all started in XXXX A judgement from an apartment complex. The collections representatives are very used, unprofessional verbally and mentally abusive. I have been trying to payoff or settle the debt for XXXX years. Every time I speak with the representative she start arguing and yelling at me or arguing with the people in my background who have nothing to do with our conversations. Their calls are monitored and recorded. If you pull every call you can hear how rude they are. Over the past 4 years they never attempted to verify my information before speaking about the amount I owe. On XX/XX/XXXX I called the collection agency with someone I call my sister. I gave them authorization to speak with her. She ask them for a settlement iao {$800.00}. The representatives said she doesnt want to give me a settlement because of past conversations, where they offered me settlements, and I never excepted their offer. I advise the representative. I never received a settlement offer in writing and I havent received anything in from them writing pertaining to this debt. My sister asked to speak with a manager since the representative stated she didnt want to give us a settlement. The representative started playing on the phone ( laughing, giggling ) while putting us on hold 3 times. When the manager came on the line and stated that the representative never mentioned a settlement offer to her. The manager started yelling at my sister because she asked to speak to a supervisor above her, then the manager started screaming that she refuses to speak with my sister etc.. 
On XX/XX/XXXX I called to request a letter in writing with the companies letterhead and a physical address so I can mail a check. Representative said she cant provide me a letter with the companys name on it or the physical mailing address, she can only send an itemized bill. I told the representative I am her consumer, and if shes attempting to collect a debt, I need to see a letter in writing. The representative said, I am not her consumer. XXXX XXXX is her consumer ( Original Creditor ). I advised the representative that her companies website seems like a scam. The website states theyre charging you {$20.00} convenience fee and then it asked for you all your personal information without telling you what you owe or what youre paying for. I dont understand how they are even licensed to collect any debts

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-10 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: AR

Complaint narrative:
I am submitting this CFPB Complaint to request to you once again to remove the fraudulent accounts and information you are reporting on my Credit File. Let me remind you that under the Federal Law, Fair Credit Reporting Act section 605b, as the Credit Reporting Agencies, you are required to COMPLETELY REMOVE any accounts and information you found reporting due to identity theft. I received a copy of my updated Credit Report and found that you did not only continued reporting the disputed items, but have updated the status of the accounts and claimed that the itmes have been verified. In accordance with the Fair Credit Reporting Act section 605, I am requesting you to please remove the following accounts and information from my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$0.00} XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXXXXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX  XXXX Opened XXXX XXXX, XXXX Balance {$160.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX Balance {$550.00} XXXX  XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Bankruptcy : Bankruptcy Reference Number XXXX XXXX XXXX Bankruptcy : Bankruptcy Reference Number XXXX XXXX XXXX  Bankruptcy : Bankruptcy Reference Number XXXX. If you truly believe that the disputed items belong to me, I required you to please send me copies of proof of verification or proof of ownership supporting your claims that the disputed items belong to me. Without these documents, I expect you to remove the disputed items 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 non-monetary relief
Consumer complaint received 2023-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I want you to remove the following inquiries as these are violating the FCRA 605B of the U.S. Code 1681C-2

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 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: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
I did a loan consolidation in XX/XX/XXXX with Vystar Credit union. My credit score was sufficient for me to do so as I have always tried to pay my bills consistently on time and before 30 days. I had a car loan with Vystar and paid it off early last year. The complaint is regarding the loan taken out XX/XX/XXXX. I attempted to make XXXX payments to Vystar in XX/XX/XXXX thru Bill pay and it was declined by Vystar according to XXXX XXXX XXXXXXXX Bill pay. The reason was the address was inaccurate. Vystar has at least XXXX different addresses on their website that can be submitted on Bill pay. XXXX at. Vystar office stated to me that they were in a transition when I sent the payment ( From XXXX to XXXX then back to XXXX was cited as a reason ). I explained to the collection department what occurred and they stated that they do not grant such requests, in spite of it being their declining payment. This late payment is the only late payment that I have on my credit history in more than XXXX years. This late payment is making it difficult for me to expand my borrowing ability. Vystar has a history of ineptitude as it relates to serving clients needs regarding complaints. They recently had a massive snafu with reference to customer and access to accounts. XXXX and XXXX in collection at Vystar made it clear that they do not do goodwill reporting, even if it Vystar fault. They should not be allowed to ruin a persons credit because of institution incompetence. This incompetence extends to customers inability to set up accounts and submit payments directly to Vystar. I attempted to set it up and it ended by telling me it failed and to call a number the next day which I did as instructed. No live person was accessible. I then went to the Branch office on XXXX XXXX in XXXX, FL. I was given XXXX different addresses by XXXX tellers. The car loan and consumer loan sites are different as far as payment addresses are concerned. I simply want them to remove this reporting from my credit. This is not good will report removal, it is them doing what they should do legally.

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 2023-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I woke up on XX/XX/2023 to emails from Bank of America telling me they were pending opening an account. Followed by other emails stating they verified me and established the account also on XX/XX/2023. I called their fraud team to tell them it was fraud and then received an email on XXXX/XXXX/2023 telling me I was denied opening the account when in reality I told them it was fraud. They told me they would send me information about the fraud that occured and I never received 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 2023-03-10 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: U.S. BANCORP
State: MS

Complaint narrative:
On XX/XX/2022 I went to a gray XXXX XXXX in XXXX XXXX XXXX to trade in a vehicle. I discussed in the parking lot with the salesman my income and such. They proceed to run my credit with many banks without verifying my income or any information about me with an application. pretty much they used made up data to run my 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 non-monetary relief
Consumer complaint received 2023-03-10 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 — Their investigation did not fix an error on your report
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
The last payment on the account # XXXX is more than 7 years and should have been deleted, but instead it is showing with incorrect " estimated month and year that this item will be removed : XX/XX/XXXX. '' In response to my previous complaint PRA stated that : Business records provided to PRA by XXXX at the time of our purchase verify that the account was opened on XX/XX/XXXX. However, my dispute was not about when the account was opened, but about when it was closed and the fact that that closure was more than 7 years ago and the fact that PRA is illegally reporting account that is too old to be reported. Please delete the account or provide evidence that the last payment was made less than 7 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 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: CA

Complaint narrative:
I sent a letter on XXXX to remove THESE ITEMS : 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 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  The items are UNKNOWN to me, Ive already included this in my previous Complaint & I am including it again.,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NJ

Complaint narrative:
According to Rushmore Loan Management Services my Escrow Insurance Account has a shortage in the amount of {$840.00}. 

This discrepancy has been an ongoing/unresolved issue within their Escrow Department. All documentation has been provided by my Homeowner Insurance Company, XXXX showing my account in GOOD STANDING! 

Rushmore Loan Management Services, issued what appears to be a double payment. StateFarm shows ONE check cashed and the overpayment sent back to Rushmore Loan Management, to be put back into MY ESCROW ACCOUNT! 

I have attached all correspondence since XX/XX/2022, the paperwork I was forced to agree to spread out the SUPPOSED Escrow shortage, until they figure out what is clear as day! 

Please see all attachments! Once again, please note just how incompetent this Loan Management Service is!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account needs to investigate and correct for erroneous reporting in my file and is listed on my credit report : XXXX XXXX XXXX : {$770.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 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: NC

Complaint narrative:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
Paypal is forcing me to keep an account open against my will. Paypal refuses to close my account until my open claim is closed. However, their website says my claim is closed/denied. In addition, They did not permit me to close this supposed open claim so I could leave. They are forcing me to keep an account open with them indefinitely. I owe them no money. They are forcing me to keep an account open against my will. 

Situation is even worse because my account was breached ( some skeezy company charged me {$19.00} ) and Paypal denied me relief over their faulty charge. They let me get ripped off and are forcing me to keep my account open to boot! 

I called on XX/XX/23 and spoke with two individuals of the company after trying to cancel online.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-10 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: PR

Complaint narrative:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Hello, My name is XXXX XXXX and I recently got a denial letter from a Property Management company I applied with. After obtaining a copy of my credit report, I discovered some major issues that need to be addressed. 

I found one account and several inquiries that I'm not familiar with. 

I need EXPERIAN to fix this inaccurate and unverified information immediately. I have been denied numerous credit based oppurtunities due to this erroneous information. Two property management companies have declined my application for a place to reside. Please don't leave it this way, I need your help! I have explained to EXPERIAN numerous times this account is definitely NOT mine. The above account should not be reporting on my credit profile. 

This is a FCRA Violation and this account needs to be deleted immediately. I will be forced to seek Legal counsel if this matter is not resolved promptly. I thank you for your time.

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 2023-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Theres incorrect information on my credit 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 non-monetary relief
Consumer complaint received 2023-03-10 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: Klarna AB
State: LA

Complaint narrative:
I had a Klarna card payment of {$200.00} due on XX/XX/XXXX and this payment was set up on autopay. I went to the klarna card website and selected that XX/XX/XXXX payment specifically and was able to choose each installment that was part of that payment that I wanted to pay early on XX/XX/XXXX. I have done this before and the automatic payment will adjust to reflect the payments that I paid early. This did not happen in this case. I thought it odd that I didnt get the emails that I usually do when I pay early. On XXXX the XXXX the installments that were part of the Klarna card payment were deducted ( not pended ) from my bank account. Then on the morning of XX/XX/XXXX I noticed that the {$200.00} was pending and reached out to Klarna support via chat. I explained to the age that I did not owe the {$200.00} and that I made $ XXXX in early payments so I should only be drafted for the balance which was {$81.00}. The agent assured me that the pending charge would adjust to the correct amount. Not an hour later that {$200.00} charge was drafted from my account and was no longer pending. I reached out again no less than 5 other times by chat and phone as well as filing a complaint with the XXXX XXXX XXXX. I was asking that the additional {$140.00} payment which was made in good faith to be allocated to the payment due on XX/XX/XXXX be returned since they drafted the {$200.00} anyway. I advised them that I wanted to fix the situation because if I disputed the charges with my bank my banks position is that its all fruit from the same poison tree so they were going to reverse the {$200.00} plus the {$140.00} and they will block Klarna so they can never debit my account again for any reason. Meaning that Klarna would get nothing. I did not want this to happen. I only wanted a resolution that would have them keep the funds that I owed them, I would get back the funds that were part of an eary pay for that payment and I could resume making payments for any other balances owed. Klarna 's response was that they were keeping all the funds and if I wanted my money back I needed to dispute with my bank. Putting me in a position where I have no other means to pay them if they will be forever blocked from debiting my account. When I brought this up I was told they would just send me to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX - This account should not be showing the current status of 30 days late since they have already been paid for. It seems impossible to accrue late on an account that has already been paid. Please investigate these illogical statuses and provide me with the date of the last activity for the account. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX - This just proves your lack of proper record keeping. Now, this item is reported to be 30 days past due, yet it is closed and the balance is XXXX. Lets correct this immediately. You are required to verify for yourself but I will go ahead and remind you that this account was paid, closed, and no longer active and should have reflected the status of PAID. Provide documentation that you have not abrogated my rights by reporting false information, otherwise, remove it immediately. 

XXXX XXXX XXXX XXXX XXXX} - Please provide documentation that the following account belongs on my credit report and that my rights have not been abrogated. Otherwise please delete this damaging data immediately.

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