vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSWORLD SYSTEMS INC. 
I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau XXXX CFPB XXXX as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation. 
2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information. 
3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile. 
I respectfully request each investigation to be reported to Experian, Equifax and Trans Union within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19 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
State: CA

Complaint narrative:
Sometime before XXXX, PayPal allowed someone else to add my email address to their account. This has caused them to receive transfers going to me, and there is no way to reclaim them. 

On XX/XX/XXXX XXXX XXXX Rewards sent a payment to my email, which I didn't receive. I called PayPal support to ask about this ; they said there was nothing they could do and to contact the sender or receiver. XXXX doesn't have customer support so I can't contact them. I sent a money request to the receiver for the amount but never got a reply, and of course I can't contact them since it's my own email address. 

Just recently ( XX/XX/XXXX ) the request I sent was cancelled. This caused PayPal to send me an email with the other person 's real-looking name and real email address. This seems like an inappropriate disclosure of their personal info, even if they do have my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
previously sent you a request for verifiable proof of the accounts listed on my credit report that were not mine or were inaccurate. You took the 30 days required by law and still you failed to provide the necessary proof of these inaccuracies. You are required by law to have the original creditors documentation on file to verify this information. You have failed to comply with Section 611 of the FCRA and I demand these accounts be removed from my credit report immediately! I have also requested that all unauthorized inquiries be deleted from my credit file. You have failed to do so and I demand that any inquiry that does not have my signature attached to it be removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Io, Inc.
State: MD

Complaint narrative:
XXXX XXXX REC MGT SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation. 
2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information. 
3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile. 
I respectfully request each investigation to be reported to XXXX, XXXX  and XXXX XXXX  within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19 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: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
SYNCB/LOWS has place a fraudulent account on my Credit Report on XX/XX/2018 in the amount of XXXX I demand that the account be removed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
previously sent you a request for verifiable proof of the accounts listed on my credit report that were not mine or were inaccurate. You took the 30 days required by law and still you failed to provide the necessary proof of these inaccuracies. You are required by law to have the original creditors documentation on file to verify this information. You have failed to comply with Section 611 of the FCRA and I demand these accounts be removed from my credit report immediately! I have also requested that all unauthorized inquiries be deleted from my credit file. You have failed to do so and I demand that any inquiry that does not have my signature attached to it be removed 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
Consumer complaint received 2020-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Go Capital Holdings, LLC
State: GA

Complaint narrative:
previously sent you a request for verifiable proof of the accounts listed on my credit report that were not mine or were inaccurate. You took the 30 days required by law and still you failed to provide the necessary proof of these inaccuracies. You are required by law to have the original creditors documentation on file to verify this information. You have failed to comply with Section 611 of the FCRA and I demand these accounts be removed from my credit report immediately! I have also requested that all unauthorized inquiries be deleted from my credit file. You have failed to do so and I demand that any inquiry that does not have my signature attached to it be removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19 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: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
During the time, COVID 19 was at its worst in XXXX, XXXX, and XXXX. I called in notified Honda Financial that due to the pandemic, my work hours were reduced, and I needed more time to make a payment. I made an arrangement to pay in XXXX, which I did. However, they reported to the credit bureaus that my payment was late in XXXX, XXXX, and XXXX. Even though it was agreed upon, I had to make payment in XXXX. I ended up making the payment in XXXX to avoid having them continue to report late payment. I spoke to them and confirmed the agreement. However, they said they are unable to change the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: CA

Complaint narrative:
M & T Bank is very aggressively attempting to force place insurance on my property. They have now moved to retroactive insurance. This time, they are specifically attempting to force place retroactive insurance because I allegedly did not have the correct type of insurance from XX/XX/2020 to XX/XX/2020. They are threatening to buy insurance for me that they claim is much more expensive than my insurance and may cover much less. There is no date listed by which I have to fix this issue. They simply state that it must be done immediately. I just got this in the mail today and will call my insurance tomorrow to fix it in order to avoid them buying insurance for me, as I have done the dozen other times this has happened. I get a harassing letter from M & T Bank like this about every 2-3 weeks. I have threats to force place insurance because my coverage wasn't high enough. It was high enough and my insurance company sent them a copy of the state law to show it was high enough. I got a threat to force place coverage because the unit number was missing from my address. I had my insurance company humor them by sending a copy and making sure it had the unit number. Then I got another harassing letter saying now that there is a unit number on my insurance, it isn't valid because it doesn't match the address they have on file because it doesn't have a unit number. I got a harassing letter saying I needed to have a different type of coverage. I switched to they type of coverage. I actually didn't mind because it ended up saving me money. Now they're asking for retroactive coverage for that different type of insurance because they don't have proof that I had that specific type of insurance between XX/XX/2020 and XX/XX/2020. I'll fix this issue immediately and I'm sure they'll come up with another reason to threaten me with force placed insurance. I did some research and it looks like that have had several class action lawsuits for exactly this and it looks like they're doing it again. One additional detail worth mentioning is that federal law requires that if a company is going to force place insurance they must provide a warning 45 days in advance and a second 30 days later and 15 days before purchasing the insurance. Since this is the second notice, my guess is they're using that XX/XX/2020 and XX/XX/2020 to get around that. My worry is that even though I will fix it tomorrow, they could just as easily pick another random set of dates in 15 days. Why are they allowed to do this to people?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19 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: Convergent Resources, Inc.
State: MO

Complaint narrative:
I have a loan with CONVERGENT OUTSOURCING ( Original Creditor : XXXX XXXX and XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, CONVERGENT OUTSOURCING ( Original Creditor : XXXX XXXX and XXXX with no successful resolution. There was definitely an error on their part.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequoia Financial Services
State: CA

Complaint narrative:
The debt in question was paid in full. On XXXX a payment of {$100.00} was paid to the balance of the original debt that was {$270.00}. Order # XXXX, XXXX # XXXX, XXXX. XXXX XXXX. On XXXX a payment of {$100.00} was paid to the balance of {$170.00}. Order # XXXX, Ref # XXXX, Auth. Code XXXX. The remaining balance of {$74.00} was paid on XXXX. Order # XXXX, Ref #  XXXX, Auth. Code XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC
State: NM

Complaint narrative:
Failure to Pay was brought to my attention on XX/XX/XXXX by a phone call from XXXX XXXX XXXX by XXXX. She said she was calling to collect a debt due to XXXX XXXX  for tests completed in XX/XX/XXXX in the amount of {$4.00}??. I told her I had no idea what she was talking about, I have never received statements for the above amount or from XXXX XXXX. She verified my address, which was correct but had the wrong apartment number. She had my email address and my phone number. She said it didnt matter, I still owed money. I thought the call was a scam at this point. She continued to try and collect over the phone. I told her I needed to see a detailed statement, and if I owed money I would definitely pay it, but not without a detailed statement. She said she would email the statement immediately at XXXX. I told her after I received the information and could verify the details I would make arrangements to pay this debt. I WAS NEVER EMAILED a statement, nor was a statement mailed to me, even though I gave her my correct apartment number. I was notified by email that my credit score changed due to a report of failure to pay. When checking XXXX   XXXX, which sent the notice, I saw that Phoenix Financial SE reported that XXXX XXXX XXXX XXXX was the original creditor and the open balance was {$550.00}! I do not recognize that name. I called XXXX to request a statement, I was told it was too late and she hung up on me twice! 
I received a second call on XX/XX/XXXX, this time from XXXX. She reported that I owe {$550.00}. Now its an E.R.visit from XX/XX/XXXX! I again asked for a detailed statement, assuring her that if I owed this debt I would pay it promptly, as soon as I verified its legitimacy. I asked if she would pay a debt she didn't know she owed without verifying it. She hung up on me. I have yet to receive a statement. Meanwhile my credit score has plummeted! 
Please advise me on this matter. Thank you for your assistance!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Rocket Mortgage, LLC
State: OR

Complaint narrative:
XX/XX/2020 I spoke to man that worked for quickened loans, we came to a halt because I didn't have my w2s handy so we agreed that I would get those documents and call him once I did, during out phone conversation he never once asked what my credit was let alone ask permission to run my credit score. Tonight I received a notification that I got a hard inquiry by him again without even talking credit or permission. I would only authorize someone to run my credit if I know the deal was going to progressive and had all documents needed. I would like to know what to do next because I feel this is very unprofessional and against the law to do that without consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
During the time, COVID 19 was at its worst in XXXX, XXXX, and XXXX. I called in notified XXXX XXXX that due to the pandemic, my work hours were reduced, and I needed more time to make a payment. I made an arrangement to pay in XXXX, which I did. However, they reported to the credit bureaus that my payment was late in XXXX, XXXX, and XXXX. Even though it was agreed upon, I had to make payment in XXXX. I ended up making the payment in XXXX to avoid having them continue to report late payment. I spoke to them and confirmed the agreement. However, they said they are unable to change the 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 explanation
Consumer complaint received 2020-09-19 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: NY

Complaint narrative:
During the time, COVID 19 was at its worst in XXXX, XXXX, and XXXX. I called in notified XXXX XXXX that due to the pandemic, my work hours were reduced, and I needed more time to make a payment. I made an arrangement to pay in XXXX, which I did. However, they reported to the credit bureaus that my payment was late in XXXX, XXXX, and XXXX. Even though it was agreed upon, I had to make payment in XXXX. I ended up making the payment in XXXX to avoid having them continue to report late payment. I spoke to them and confirmed the agreement. However, they said they are unable to change the 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 explanation
Consumer complaint received 2020-09-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: ACIMA CREDIT, LLC
State: TN

Complaint narrative:
On XXXX XXXX I purchase from XXXX XXXX, a 10kt Gold Hollow XXXX XXXX link Chain 20inches 5.5 mm yellow gold. On XXXX XXXX took the chain to a jeweler store to have it appraisal and make sure the 10kt gold chain is real the chain was gold plated. I had the chain finance through Acima Credit it cost me XXXX total cost from Acima Credit was {$1000.00}. I have paid Acima credit a cost of {$280.00}. I have contacted Amica Credit on XX/XX/2020 and requested to return the product the customer service representative stated they will be sending me a return label email as of today XXXX XXXX haven't receive the return label email. Also contact XXXX XXXX concerning the fake gold chain I purchase they didn't applied hang up.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19 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: NY

Complaint narrative:
THE DISPUTED ACCOUNTS HAVE BEEN CAUSING TREMENDOUS DAMAGE TO MY CREDIT, I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED FOR THEY HAVE BEEN TARNISHING MY NAME. BECAUSE OF THOSE ACCOUNTS IT HAS PREVENTED ME FROM ACQUIRING NEW CREDIT. THOSE ACCOUNTS ARE NOT LIABLE TO ME AND I WOULD LIKE THOSE TO BE REMOVED IMMEDIATELY OFF MY REPORT.

Company response to consumer: Closed with explanation