vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: OR

Complaint narrative:
On XX/XX/2020 I used my banks online payment service to make an electronic payment from my checking account to United Wholesale Mortgage for my monthly mortgage payment for the month of XXXX in the amount of XXXX. The payment was withdrawn from my checking account but was never credited to my mortgage. I was told by United Wholesale mortgage that the payment was never received, so I paid my XXXX mortgage for a second time on XX/XX/2020, this time through my mortgage companys online system. After filing a dispute with my bank, I was told that the payment was sent to XXXX XXXX XXXX and Reporting and was provided with a Proof of Payment sheet which I sent to United Wholesale Mortgage/XXXX XXXX XXXX and Reporting. I was informed via a letter from the mortgage company that the payment could not be found because the bank had not provided the correct information needed locate the payment, and because the transaction had the wrong account number ( when the payment was sent, the account number had defaulted to XXXX XXXX. My bank has insisted that the information they provided is the only information they have and should be sufficient. They have let me know there is nothing more they can do to help. I have subsequently tried to contact United Wholesale Mortgage using the phone number on the letter they sent, but they do not answer and have not returned my calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have been trying to access my free Equifax credit report on XXXX and it provides me with information that is NOT a part of my credit report and when I answer " None of the above '' to all of the questions, I get a message stating they can not provide my credit report and list mailing instructions. I am NOT sending this personal information through the mail! 

I go online to myequifax.com and XXXX though I have removed a 2017 freeze several times XXXX, it states that there is a freeze. I assume that was the reason I was unable to get my report on XXXX, but when I click on " Manage a freeze, '' I get the same type of message, that they are " temporarily unable to retrieve the status of your security freeze. '' I call and follow the automated system trying to remove the freeze there, I also get an automated message saying they could not process the request. I just stay on hold waiting for an agent who never comes on the line. So, essentially, I have no access to my own information and the freeze I have requested to lift multiple times in the past several years is still on my account with me being unable to remove it myself. 

I need my free Equifax credit report, I need any freeze on my account lifted, and I need to be able to fully access my own account on myequifax.com.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 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 they just give me automatic answers, but I just remembered I could file a complain as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently for my freelance jobs as XXXX. My paypal email is XXXX. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 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 contacted each bureau by certified mail and have unverified accounts on my report. Here are the accounts : XXXX XXXXXXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX. XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
TransUnion Falsely Reports These 5 Hard Inquiries XXXX XXXX XXXX On : XX/XX/21 XXXX XXXX, Made On : XX/XX/21 XXXX XXXX, Made On : XX/XX/21 XXXX XXXX, Made On : XX/XX/21 XXXX, Made On : XX/XX/21 On XX/XX/21 I had called TransUnion and had spoke to a Consumer Relations Representative named XXXX at XXXX. 
And had advised him of 5 Hard Inquiries that needed to be deleted from my credit report. 
After talking to XXXX for several minutes ( and going in circles ). XXXX then transferred me over to XXXX, at XXXX from the Specialized Fraud Team XXXX XXXX XXXX a supervisor ). Then after naming these 5 Hard Inquiries again. And after telling XXXX that I followed TransUnions Dispute Process already. XXXX transferred me over to XXXX at XXXX. A supervisor in The Special Handling Department.

Of which did not fix and remedy these 5 Hard Inquiries. 
I've already filed a police report dated back in XXXX in regards to these 5 Hard Inquiries. And TransUnion already contacted these Creditors in regards to a deletion letter. Of which resulted in no response ( Be Advised : The Burden Of Proof Is On The Reporting Credit Agency ).

These 5 Hard Inquiries DO NOT HAVE THE FOLLOWING : 1 ) A SIGNATURE. 2 ) ANY ACCOUNTS ATTACHED. 3 ) PROOF OF VERIFICATION THAT I MADE ; AND OR, AUTHORIZED SUCH HARD INQUIRY. AND 4 ) RELEVANTS TO ME.

But yet still remain on my credit report without these key elements of VERIFICATION.

I'm already preparing a small claims court lawsuit for Defamation of Character.

But in the mean time. And to prevent further damages. I would like these 5 Hard Inquiries. Deleted.

Also please note that a specialist from TransUnion had already deleted other Hard Inquiries before based on the police report. But forgot to delete these 5. Yet TransUnion/the 3 employees named wish to have to me go through this process again.

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 2021-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MRS BPO, LLC
State: FL

Complaint narrative:
The account for the debt in question was closed on XX/XX/XXXX and has been closed since then. I went to the address of the original creditor and I received a customer receipt for the rightful return of the original creditor 's equipment on XX/XX/XXXX. For some reason, even though the debt was settled with the original creditor, and account was closed, my account was sent to collections ( MRS BPO ) on XX/XX/XXXX and appeared so on my credit report on XX/XX/XXXX. I was forced to dispute this false information on the same day. I provided proof of my receipt, closed account and, settled debt ( via picture ) to XXXX. On XX/XX/XXXX, I won my dispute, and XXXX  confirmed that the account was indeed closed, and settled. The collection was removed from my report that same day, and of course my score went up significantly. On XX/XX/XXXX they reappeared on my XXXX credit report and my score shot down significantly. Once again, I was forced to dispute FALSE INFORMATION, coming from MRS . This time, it was NOT as simple for me to dispute as XXXX  was previously. XXXX, for some odd reason does not allow consumers to send in pictures or information regarding proof of closed account, settlement or paid debt. There is no option for it. I must mention that I truly believe MRS knows this, which is why they WAITED 2 whole weeks to double back and re-file the collection with XXXX. So it was a bit harder to prove to XXXX  that this debt was settled and closed because I wasn't able to send in additional documents. I provided the same infomation to XXXX, that I provided to XXXX, minus the documented receipt. I am being constantly messaged by MRS about this debt, it is very annoying. I actually received a message from MRS right before typing this up. I spoke with XXXX  yesterday, XX/XX/XXXX to follow up on the status of my dispute, expecting good news. Instead I was told that the collection account was valid and that MRS provided adequate information. When I asked if I was able to submit any further information about the dispute ( ie. proof, documents ) I was told that I lost the dispute and that they could receive no further information on this dispute. I dont want to have to live with this FALSE {$90.00} collection on my report for 7 years ... I was told that I would have to contact MRS , and hope that out of the " kindness of their hearts '' that they'd ask for the collection to be deleted by the bureaus since the collection was re-filed somehow. I have been greatly inconvenienced by everything involving MRS and this situation.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-18 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: CT

Complaint narrative:
I have contacted each bureau by certified mail and have unverified accounts on my report. Here are the accounts : 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 2021-05-18 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 contacted each bureau by certified mail and have unverified accounts on my report. Here are the accounts : 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 2021-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rent Recovery Solutions
State: AZ

Complaint narrative:
Rent Reporters is attempting to collect an alleged debt from me.I do not have a contract with Rent Reporters and I never consented for them to collect a debt from me.I did not consent to Rent Reporters having or using my information. They have not verified this alleged debt. We did not have any communication prior to Rent Reporters ruining my reputation. Rent Reporters has violated ( 15 USC 1692d ) Rent Reporters has in fact ruined my reputation by reporting this bad debt to the reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Statebridge Company
State: FL

Complaint narrative:
Due to Covid, my international travel business began losing money. As a result, I entered into a forbearance plan with XXXX XXXX XXXX in XX/XX/XXXX. My payments were suspended from XX/XX/XXXX to XX/XX/XXXX. In XX/XX/XXXX I received notice from XXXX that my loan was being transferred to Statebridge Company , LLC. Then in XX/XX/XXXX Statebridge demanded that I bring my loan current or that I would face foreclosure. In the process of communication with Statebridge, I seriously felt XXXX discrimination because of my XXXX immigration status and English speaking accent. They requested that I find an interpreter because they were having difficulty understanding me. With the help of my Realtor who is also a licensed mortgage specialist, Statebridge offered me an 18-month payment agreement. The plan was meant to bring me current by paying for all the payments that were missed during the forbearance plan in XXXX. In addition, the plan would pay for my future property taxes as well as my homeowners insurance. I insisted that I pay for my taxes and insurance separately, however they said that was not an option. I was told by my Statebridge loss mitigation specialist, XXXX XXXX that Statebridge would be paying for these amounts as part of the payment agreement. With this being the case, I agreed to pay {$11000.00} on XX/XX/XXXX. Then I paid {$5500.00} each month for the next three months - XXXX, XXXX and XXXX. My regular mortgage payment was only {$2500.00}, so paying {$5500.00} each month was very difficult. In only four months, I paid Statebridge {$27000.00}. In XX/XX/XXXX, I discovered that Statebridge did not pay my property taxes for XXXX because I received a bill from the county requesting payment. This was very distressing. Despite multiple attempts to contact XXXX, she has yet to provide me with my homeowners insurance information. I found out today, XX/XX/XXXX that Statebridge purchased a forced-placed insurance policy. This is even more distressing. Worst of all, I received a letter from Statebridge in XXXX stating that I owed {$19000.00} and if I didn't pay they would move to foreclosure. I have no idea what this amount is. The letter said I owed from XX/XX/XXXX, however I was not their customer at that time. The payment agreement I established with XXXX was not being honored. My international travel business has not recovered at all, and I have no income. XXXX has been threatening that they would sell my home. I am a single mother. I have to keep my house for my XXXX XXXX XXXX son. So I borrowed money from my mother to keep paying. Due to the deception of Statebridge I fell into a deep financial black hole. Not only have I paid a lot of money, I also face the real possibility of losing my home. I need your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
Hi hows it going my name is XXXX XXXX XXXX, I currently am trying to fix my credit to get a house loan with my wife and I see that I got 2 hard inquiries I am not aware about one of them is from ( reliablecred ) and it says finance and idk what that even means the next one is ( CBNA ) and on the bottom it says bank but I do not recognize any of that nor did I apply for anything or try to run my credit cause I know what it would have already said. So how can I get this off of my credit

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 2021-05-18 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: FL

Complaint narrative:
On XX/XX/2021 I sent a dispute letter via mail to the 3 credit bureaus attempting to dispute an incorrect account appearing on my credit report. I provided my home address, copy of personal current I.D., and proof of address along with my letter. I waited a month or so, XXXX and Equifax sent a response letter but XXXX  never got back to me. At that point, I sent a letter to Equifax warning them they have 30 days to respond and again, requesting a correction of my credit report otherwise I'd file a complaint against them to the CFPB. Equifax has yet to respond to my second letter. 
Additionally, I politely requested valid proof of the debt shown on my report ( such as a signed contract or agreement ) yet XXXX  and Equifax failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kelsting Group, Inc.
State: CA

Complaint narrative:
For the past several months, I have reached out to Pacific Credit Services in regard to a collection account they have placed on my credit. I have not been successful in getting the matter resolved which is why I have elected to file this complaint. I have no knowledge of what the account is for because I was never contacted by them- they just placed the debt on my credit. Additionally, I HAVE BEEN A VICTIM OF FRAUD. I have a police report on record- the bureaus have it and i filed a complaint with the FTC . Again- I have no knowledge of account number XXXX AND I AM REQUESTING THE FRAUDULENT ACCOUNT AND IT'S FRAUDULENT PAYMENT HISTORY BE EXPUNGED FROM MY CREDIT IMMEDIATELY!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 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: Navient Solutions, LLC.
State: NC

Complaint narrative:
Good Morning. My name is XXXX XXXX. My account number is XXXX. I just spoke to a Navient representative. I was also informed Navient only reports at the end of the month. I am currently in a deferment and my loan is in good standings and has been in good standing for the last few years. There is no balance due on my account. Navient has reported incorrect information to the credit bureau twice this month. Once on XX/XX/2021 and XX/XX/2021. My credit score has dropped 42 points. This has caused me great pain and suffering. I have been working on my credit I have paid over several items recently. Navient has done this in XXXX of this year and they fixed the problem now this is happening again. This is unacceptable. I have called, emailed, mailed, and faxed numerous letters to Navient and no response. Navient has only reported this to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Over the past 90 days I have sent Information furnisher Portfolio Recovery Associates Inc two separate invoices, requesting payment for multiple consumer rights violations and fraud according to 15 US code 1692. The company has failed to respond to both my affidavit of truth as well as any response denying any claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2021 I sent a dispute letter via mail to the 3 credit bureaus attempting to dispute an incorrect account appearing on my credit report. I provided my home address, copy of personal current I.D., and proof of address along with my letter. I waited a month or so, TransUnion and XXXX  sent a response letter but XXXX  never got back to me. At that point, I sent a letter to XXXX  warning them they have 30 days to respond and again, requesting a correction of my credit report otherwise I'd file a complaint against them to the CFPB. XXXX  has yet to respond to my second letter. 
Additionally, I politely requested valid proof of the debt shown on my report ( such as a signed contract or agreement ) yet TransUnion and XXXX  failed to do so.

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 2021-05-18 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: TX

Complaint narrative:
On XX/XX/2021. My Equifax credit report was pulled a couple of times suspiciously. I did not give consent whatsoever. I have already called, emailed, and disputed through mail with Equifax, and the specific companies. ( creditors ) However, no actions have been taken. All I ask for is accountability. Just for the Hard Inquiries to be removed. The companies that pulled my credit are Creditor : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I was on XXXX and bought something so the seller contacted me and we set up a payment plan through XXXX on chase bank. As soon as I sent the money the seller deleted his account and quit replying and never sent the product. Ive tried multiple times to request the money bank and he rejects it every time. Ive tried filing reports with the bank and they were absolutely no help at all! It was honestly ridiculous how much the bank did not even want to help. I will most definitely be switching banks and letting everyone now how XXXX this banks customer service is.

Company response to consumer: Closed with explanation