vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-05 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I have requested that the wrong addresses that do not belong to me be removed from my credit report. I have sent letters and go no resolve on the following dates this year : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Equifax, XXXX and XXXX has not complied with my request I demand these addresses that do not belong to me be removed immediately. 

Equifax : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, VA XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX TXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TN XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, TN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have requested that the wrong addresses that do not belong to me be removed from my credit report. I have sent letters and go no resolve on the following dates this year : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX, Experian and XXXX has not complied with my request I demand these addresses that do not belong to me be removed immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TN XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX Experian : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TN XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, TN 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 2021-04-05 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: CA

Complaint narrative:
So basically i had filed several disputes on closed accounts that are on my credit report that are inaccurate and unverifiable. Many times i had to call Transunion, XXXX and XXXX and update them but they failed to make any changes and remove these inaccurate and unverifiable accounts from my credit report. Accounts that do not belong to me are 1. XXXX XXXXXXXX XXXX  2. XXXX XXXX 3. 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 2021-04-05 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: CA

Complaint narrative:
So basically i had filed several disputes on closed accounts that are on my credit report that are inaccurate and unverifiable. Many times i had to call XXXX, Equifax and XXXX and update them but they failed to make any changes and remove these inaccurate and unverifiable accounts from my credit report. Accounts that do not belong to me are 1. XXXX XXXX XXXX  2. XXXX XXXX  3. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 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: CA

Complaint narrative:
So basically i had filed several disputes on closed accounts that are on my credit report that are inaccurate and unverifiable. Many times i had to call XXXX XXXX  and Experian and update them but they failed to make any changes and remove these inaccurate and unverifiable accounts from my credit report. Accounts that do not belong to me are 1. XXXX XXXX XXXX 2. XXXX XXXX 3. 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 2021-04-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: HI

Complaint narrative:
COVID 19 happened, and just prior to Covid the Mortgage company appears to have switched hands 4-5 times in less than a year going from XXXX XXXX to XXXX  to XXXX XXXX and then to Shell Point. Its impossible to have confidence when these companies dont know if payment was made and me not knowing who to make the payment too when they say I paid my original servicer and not them. Also to top it odd Hawaii experienced a Hurricane and Flooding both declared presidential declared emergencys. All of which impacted my XXXX. 

XX/XX/XXXX non essential businesses were forbid to conduct business in my county. That ban was lifted on XX/XX/XXXX which is tomorrow. Therefore and despite there not being more than 5 cases in my county I have had to close the doora on my company for over a year.

i requested forebarance during the CARES act but that is when the mortagage company switched hands again to Shellpoint. They are impossible to reach and will not assist as they have no data or what they have is not accurate. i asked for forbarance and they continue to destroy my credit and do nothing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ASTA FUNDING INC.
State: NY

Complaint narrative:
A judgment and a summons QUESTION NEAR WAS SENT TO ME UNDER A NAME XXXX XXXX THE COMPANY IS PALISADES COLLECTION LLC FILED NUMBER IS XXXX the judgment is not mine and they unlawfully filed it under my name XXXX XXXX I also wrote a letter to them and a copy of a police report showing that I been a victim of identity fraud and that this debt belongs to XXXX XXXX. Unknown persons or person

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 2021-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
Hi, I was actually talking to a representative from Portfolio Recovery XXXX and they mentioned that as long I pay the collection account, they will report and demand the credit bureaus remove the entire tradeline from my file. They actually direct me to their website to look under FQA section where I screenshot and copy below. Please remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Kirschenbaum & Phillips P.C
State: NY

Complaint narrative:
I got a summons in the mailed from at attorney office that XXXX XXXX XXXX. Hired the lawyer is kirshenbaum and Philip s PC address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ny XXXX. THE SUMMONS HAS A DIFFERENT NAME ON IT THE NAME IS XXXX XXXX. AND IT HAS MY NAME AKA XXXX XXXX. MY COMPLAINT IS THAT THIS ISN'T MY DEBT AND THAT IVE BEEN A VICTIM OF IDENTITY THEFT. MY NAME IS ADDED ON A JUDGMENT THAT BELONGS TO XXXX XXXX AND IM NOT THAT PERSON PLEASE HAVE THIS VACATED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AmerAssist A/R Solutions, Inc.
State: CA

Complaint narrative:
I have been going to XXXX  XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX for many years. I ALWAYS pay in full at the time of service. I was shocked to receive a delinquent notice from Amer Assit A/R Solutions Inc XXXX XXXX XXXX XXXX Ohio XXXX threatening that this could ruin my credit. 

I called the XXXX XX/XX/XXXX. They assured me I didn't owe anything and this company was just behind and it would be cleared up. I don't know how or why my info was sent to them in the first place. This happened again two weeks later so I contacted the XXXX  again on XX/XX/XXXX. I got their exchange/customer service and explained the situation. Then I called the debt collector and they said it was on the XXXX and they couldn't clear my record until the XXXX  resolved it. I called the office again XX/XX/XXXX. The office manager XXXX XXXX tried to conceal her identity. When she finally identified herself she said she would resolve the matter and send me email confirmation. She never did. I wrote a personal letter to the owner XXXX XXXX advising her that was costing her customers and after many years I would not be coming back. There was no response. 

Now I have another letter XXXX from XXXX XXXX Collection Officer threatening to proceed with additional corrective steps. I am tired of being harassed when no money was EVER owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Freedom Mortgage Company
State: MA

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2021-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Credit Services Inc.
State: MA

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: MA

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
I attempted to pay Wayfair account before services mailed my first statement. The day I received the statement I paid the Bill in full. The next month I received a late payment fee. I called to request it to be waived. I was told due to Wayfair and XXXX  dissolving their partnership they would not waive. I called more than once, and no resolution. Mail in my area was delayed due to COVid-19, with the post office being shut down. Every month I got an additional late fee and report to my credit bureau. I filed a previous a complaint with CFPB. In the mean time I continued to resolve the problem until one person at XXXX  threatened me. Stating that it was mot his fault I didnt pay my bills, and that I could pay {$75.00} today and no other offers would be given to me. ( I had explained I was waiting for CFPB, and he continued to talk threaten me. ) this person also stated he knew when I received my bill, but clearly did not ... and continued to say I failed to pay my Bill or listen to me. This account has now ruined my credit score that I have spent the last 3 years repairing. As a consumer, I was at their mercy to do the right thing, they did not. I thought the CFPB was to protect consumers like me? Last week I was able to speak with an XXXX rep and he cleared up my account balance. Now, Im left with a suffering credit score. What recourse do I have? How can XXXX be responsible for the actions and comments of its staff. I tried to resolve this situation as soon as it happened. And I feel it should be illegal they way I am being treated. How can XXXX be forced to revise my credit reporting?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I sent off letters to Equifax back on XX/XX/XXXX, XX/XX/XXXX & most recent on XX/XX/XXXX. I included within my letter to investigate several accounts that were reporting inaccurate. Equifax failed to comply by their company policy to provide me with verification of accounts that has and is still continue to report. I just recently received an updated credit report date stamped as XX/XX/XXXX that still has those accounts on there. It read that the accounts were verified, however I never received any information on that information. Their investigation was not proper handled. I specifically asked to provide me with the furnished documentation that show proof that I own the allege debt. Equifax failed by not providing any information. My creditability to others is tarnishing my reputation and defamation of my character. The accounts that are currently reporting are the following ; XXXX XXXX XXXX XXXX ( Acct # XXXX ) in the amount of {$230.00} dates are XX/XX/XXXX and XX/XX/XXXX ( Acct # XXXX ) in the same amount of {$230.00}. The other account is XXXX XXXX XXXX XXXX XXXX ( ACCT # XXXX ) Date XX/XX/XXXX in the amount of {$190.00}. I have continue to send letter to validate the allege debt that I am accused of owing. I have not received any resolutions to the mentioned accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 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: Conn's, Inc.
State: TX

Complaint narrative:
Conns XXXX  is reporting 2 accounts stating charged off # XXXX amt XXXX XX/XX/XXXX - and another XXXX XX/XX/XXXX for XXXX. 
Ive filed FTC Id theft affidavits on both Accts - reported to XXXX XXXX pd and Tx ATTY generals office - XXXX - Im XXXX XXXX -I demanded any time of validation or verification with no luck- Ive not given this to a local attorney for legal action against Conns and XXXX  for reporting this Id theft -

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XX/XX/XXXX charged {$29.00} for purchased software on disk to be seny XX/XX/XXXX credited XXXX for non acceptance of merchandise due to late delivery XX/XX/XXXX XXXX rebilled {$29.00} WHY? 

I called merchant and chatted with third party supplier and they assured me creidt has been given for item not bought Please issue credit again to cancel XX/XX/XXXX rebill I asked this action in # XXXX XXXX but ignored by Capital One to date

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 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: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/XXXX I received a notification from XXXX  that US Bank had reported a 30 day late on my credit which negatively impacted my credit history. 

This issue started in XX/XX/XXXX when there was a fraudulent charge ( {$500.00} ) on my account that took US Bank more than 6 months to resolve. This charge put my account over the credit limit and increased my monthly payment to an incorrect amount. 

After contacting US Bank more than 6 times to resolve this issue I spoke with a supervisor on XX/XX/XXXX who told me that the case was closed and I would be receiving a final credit. 

US Bank then reported that my account was over the limit on the same day ( XX/XX/XXXX ) even though the investigation had been completed. 

After contacting US Bank yet again I was told that the credit had been applied and reflected in my account however my payment was not adjusted and that I should wait for the correct amount. 

However after attempting to log into my account a few days later to make a payment I received a message saying that my account was locked. I contacted US Bank for help with resetting my password and was told to change my phone number in order to receive the text verification code. 

After changing my phone number the following day I attempted to reset my password. However there was no longer an option to receive a verification code and instead I was asked to enter a PIN number which I never received. 

Once more I contacted US Bank about this issue. Customer service took over my screen and I physically showed them the message I would receive upon attempting to log into my account. 

I was not provided a solution and the following day I contacted US Bank about making a payment over the phone. Customer service then demanded that I pay over {$600.00} because the payment had still not been updated to the correct amount. 

US Bank refused to allow me to make the correct payment and then indicated that they would report a late payment to the major credit bureaus even though they were aware that this amount was not accurate. 

I still do not have access to my online account and I still can not make any payments. This is unacceptable behavior especially when US Bank has been having major issues with their website and app. 

Additionally this violates the Fair Credit Reporting Act. Therefore I have submitted this complaint for 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 non-monetary relief
Consumer complaint received 2021-04-05 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: TX

Complaint narrative:
XXXX XXXX is reporting 2 accounts stating charged off # XXXX amt XXXX XX/XX/XXXX - and another XXXX XX/XX/XXXX for XXXX. 
Ive filed FTC Id theft affidavits on both Accts - reported to XXXX XXXX pd and Tx ATTY generals office - ADA - Im XXXX XXXX -I demanded any time of validation or verification with no luck- Ive not given this to a local attorney for legal action against XXXX  and Experian for reporting this Id theft -

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 2021-04-05 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I paid this care off as a trade in. the dealer sent them a check they asked for but then wanted another XXXX dollars after being sent XXXX for pay off. the dealer took an extra 3 weeks to get it sorted out with the bank. in that time the bank reported to my credit that i was late even though i no longer had the car and had paper work showing i paid it off as a trade in

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 2021-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-05 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: EQUIFAX, INC.
State: TN

Complaint narrative:
THESE ACCOUNTS LISTED ON MY CREDIT REPORT WAS OPEN WITHOUT MY CONSENT AND STOPPING ME FROM BUYING A HOME FOR THE FIRST TIME

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation