vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Bureau of the Hudson Valley, Inc.
State: NY

Complaint narrative:
To Whom It May Concern XXXX has tried to collect money for the service they did not provide. 
They have tried to use different collection bureaus to unfairly charge us. The first bureau, named XXXX XXXX XXXX XXXX, deemed XXXX  had no claim to bill us for a service we did not receive, hence they have now switched to the Collection Bureau of The Hudson Valley Inc. 
We called XXXX and the collection bureau and let them know that we are not responsible for the charge they are demanding because the service was cancelled and therefore not provided. 
We canceled the service/account with XXXX XX/XX/20 and received a confirmation email to go along with it. They want us to pay for the month of XXXX even though the service was canceled a month beforehand.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Me and my husband XXXX received an alert from XXXX XXXX that our credit scores from TransUnion and XXXX had dropped, 50 points for my TransUnion and 42 for my XXXX. XXXX 's TransUnion dropped 46 points and his XXXX  dropped 34 points. We had just paid down 3 credit cards to {$0.00} balances, ( we did not close any accounts ). We paid down our remaining 6 credit card accounts to bring down our total credit utilization below 30 % and the drops in our scores didn't make sense to us. After reviewing our TransUnion and XXXX  reports, I noticed that they were a few mistakes in their reporting. We filed disputes at the beginning if XX/XX/XXXX for the following issues : They are both reporting late payments for 12 accounts that had been previously discharged in our Chapter XXXX bankruptcy on XXXX XX/XX/XXXX. They were not being reported as late. 
My husband had a loss of income due to COVID-19. We had a CARES Act payment deferral for our XXXX XXXX loan and then a voluntary repossession due to COVID-19 in XX/XX/XXXX. This account had been reporting as a voluntary repossession due to natural disaster. Now it is reporting as a charge-off. 
We had just closed on our new home on XXXX XX/XX/XXXX. Our credit score at that time was in the XXXX. Transunion and XXXX  dropped my score 100 points and my husband 's scores 60 points about 3 weeks after our mortgage closed. These 2 bureaus have been dropping our score 2 to 3 points each month since then. My current TransUnion score is XXXX and the XXXX is XXXX. XXXXXXXX XXXX TransUnion score is XXXX and his XXXX is XXXX. I am convinced that the current drop in our scores are because of the recent changes of TransUnion and XXXX  reporting statuses on the 12 accounts discharged in our chapter XXXX bankruptcy on XXXX XX/XX/XXXX and the recent change in their reporting status of the XXXX XXXX loan due to COVID-19.

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 2021-02-15 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: VA

Complaint narrative:
I sent a letter to the consumer reporting agency, Transunion on XX/XX/2021 to notify them of inaccurate and obsolete items on my credit report. After 30 days with no response, I then sent a letter on XX/XX/2021 notifying the reporting agency they were required to notify me of their investigation results within 30 days but yet they had not provided me with results or updates within that timeframe.

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 2021-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I have contacted XXXX and Equifax regarding incorrect information on my credit report. The dispute was filed the same time with XXXX. XXXX investigated and deleted the item meanwhile XXXX and Equifax have done nothing. This is adversely affecting me and I want this incorrect information removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: FIRST FINANCIAL BANCORP
State: CO

Complaint narrative:
I have been getting an ENORMOUS amount of calls from various numbers out of Ohio. I have asked them to stop calling me, I have asked to talk to management, I have told them I'm going to report them and the calls persist. Two weeks ago the calls started at XXXX Monday & totaled 15 calls by Wednesday. When I ask what this is a about they say they are calling from " First Financial about the loan I was approved for ''. I have never used this financial institution nor have I applied for any loans in years. 
I XXXX First Financial and have found that this is likely fraud. I have blocked every number they have called from and they find new ways to contact me. This is harassment plain and simple and I need it to stop. They call mostly during business hours and I have a job. I need to not be bothered with this outfit anymore. Please and thank you for looking into this and shutting them down. 
I'm on the Colorado no call list & my understanding is there are serious repercussions for violating that list. I'd like them to punished by whatever measure can be enforced.

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 2021-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have contacted Transunion and XXXX  regarding incorrect information on my credit report. The dispute was filed the same time with XXXX. XXXX investigated and deleted the item meanwhile Transunion and XXXX  have done nothing. This is adversely affecting me and I want this incorrect information 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 2021-02-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I bought a condo via a FHA loan with a bad rate over a year ago using Wells Fargo. WF sent an ad showing more favorable rates recently. I called to confirm that I was eligible for the refi and to see what it would cost. After running my credit and taking my latest info, I was told I would receive a cheaper rate ( 5 % down to 3.something - not the advertised rate but still better ) if the appraisal came through and the appraisal fee would be the only cost. The appraisal did come through ( XXXX ) and I was told I was approved and just awaiting underwriting. A week later, they called me and told me I needed to pay an extra XXXX to close the loan. I said I didn't have XXXX, so they rejected the loan. Further, today I received my annual statement and they are increasing my monthly payment, even though its a 30 year fixed. All this, despite lower natl mortgage rates, a better credit score, an appreciated asset with more equity in it. Wells Fargo is misleading, deceitful and using unfair practices.

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 2021-02-15 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
Consumer complaint received 2021-02-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivable Recovery Services, LLC
State: VA

Complaint narrative:
I noticed some inaccuracy on my credit report and disputed the account with the ( creditor ) XXXX XXXX XXXX, Also with the Debt collection agency Recievable Recovery Services. I also informed them that the information was invalid. They also took my information without permission, and made their own decison to report that debt on my credit which i do not owe. They have yet to comply to my requests to remove this inaccurate/invalid information from my report. I am seeking out to you to resolve this issue, and follow through with my request.

According to 15 U.S. Code 1692a - Definitions ( 6 ) The term debt collector means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another.

Recievable Recovery Services is a third party debt collector attempting collect an alleged debt.

According to 15 U.S. Code 1692e. False or misleading representations ( 14 ) The use of any business, company, or organization name other than the true name of the debt collectors business, company, or organization.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
The problem that I'm having with this company is that whenever I try to make a settlement with them because I can't afford the offers that they're giving me they always act mean and mess around with me acting like they care ( sarcastically ) while I can tell that they're saying in a sarcastic way that they're trying to help me, and they also come up with a lot of nonsense stuff when I'm just trying to see if they can accept what I have or what they can do on this account. 


Last call that I made I asked if I could just speak to the manager to see if he could help me any further and they just put me on hold for a long time and then the call dropped, I don't know if it was them messing with me or the call did drop since I have no evidence but of what I'm sure is that they really had no intention of helping me like they said on their sarcastic way of speaking because what you less expect when you are the most stressed about your financial situation is dealing with people like this that really don't care about you and feel like they could treat you however they want.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 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: CITIBANK, N.A.
State: CA

Complaint narrative:
This is XXXX XXXX, I received my credit report from XXXX and there are several hard inquiries that are not mine I tried to dispute them thru XXXX and they stated to contact credit company which they came from I did and they stated they could not remove them here is a list of erroneous hard inquiries on my account : XXXX XXXX XXXX Dates : XXXX, XX/XX/XXXX & XX/XX/XXXX. 

The Home Depot/Citibank XXXX. XXXX XXXX Card. XXXX Dates : XX/XX/XXXX & XX/XX/XXXX XXXX XXXX. XXXX Dates : XXXX & XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX I became aware of this today XX/XX/XXXX I have an account with XXXX  and they refer me credit cards to apply for I tried to apply for XXXX XXXX and was denied I have good Fico XXXX I called and spoke to XXXX at XXXX XXXX about denial and he said to many hard inquiries and I noticed all these that are not mine. I tried to dispute them with XXXX stated can not be done online contact company which I started to do and was told they could not remove them? I do not know how to get them off my credit report please let me know if you can help me or what I can do to get them removed. I also tried to call XXXX with no luck robo call could not transfer me to customer service phone numbers I tried XXXX and XXXX. 
Also I had a Fraud Alert on credit report and disputed it with XXXX to remove it they updated it instead to read : UPDATED ALERT/XXXXXXXX INQUIRY DATE XX/XX/XXXX I have tried to have that removed from credit report and have not been able to? 
If you could have that removed so I do not have any alerts on credit report that would be very helpful. 

I apologize for any inconvenience I have caused you but I want to purchase a home soon and I am afraid with all these hard inquiries I might not qualify for a mortgage even though my Fico score is good. 
Thank you, 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 2021-02-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TN

Complaint narrative:
In XXXX of XXXX i took XXXX dollar loans with XXXX XXXXl XXXX  guess these sold it to SPS and they forclosed in XXXX and I sent them XXXX dollars in XXXX that should have paid them off. In XXXX they on the balance sheet I owe them XXXX so in XXXX when XXXX XXXX took over I had a mortage audit done and it was from XXXX till XXXX the balance was XXXX not counting XXXX to XXXX that's a XXXX difference with the balance probably XXXX for the first 6 years on the balance XXXX plus XXXX is XXXX and I sent them XXXX the should should owe me now XXXX XXXX has forclosed and evicted me from I paid off in XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 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: National Credit Systems,Inc.
State: TX

Complaint narrative:
This company continues to report inaccurate information on my credit report. Initially, this company was reporting two separate accounts for the same apartment complex in the amounts of {$2000.00} and {$2100.00}. I disputed through the credit bureaus several times, yet they kept stating the accounts were accurate. On several occasions, I have asked this company to provide validation, not verification however, they have failed to do so. I filed a dispute with the CFPB and attached the judgment for the apartment complex they are trying to collect and they finally decided to delete one of the accounts stating it was a " duplicate '' which is completely false as the accounts they were reporting were for different amounts. I do not understand how this fraudulent company feels they can report what they want, when they want without providing accurate information. Also, the judgment that was granted for the apartment is {$970.00}, but this company is requesting {$2100.00}. It is not legal for them to override what a judge ordered. At this point, this fraudulent company needs to delete the account immediately or I will take legal action as this a violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I applied for a credit card with Capital One that I was pre-approved for. I've had a long term banking relationship with Capital One since I have an Auto Loan with them for over 4 years. Yet when I applied for a Capital One XXXX Card I applied for, I was discriminated against by them. After being targeted as I've felt was denied because they were unable to somehow verify my address even though I have an already existing auto loan with the company. After countless times of sending them my California ID and Utility Bills with my address on it they couldn't discriminatorily it felt verify my information. 

They are okay with my paying for a high interest auto loan, but someone not okay with giving me a pre-approved credit card due to the fact they weren't unable to verify my address.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 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: Commonwealth Financial Systems, Inc.
State: GA

Complaint narrative:
I have filled a dispute in regards to the incorrect items on my credit report. It has been well over 45 days and i havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 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: KY

Complaint narrative:
On of approximately around XX/XX/2020, I XXXX XXXX XXXX contacted XXXX XXXX and TransUnion in reference to information reporting inaccurately especially when it is being furnished by a third party instead of the actual furnisher. I have made contact with the United States Bankruptcy Court in reference to my concerns as to did they furnish this information to the credit bureaus. They clearly informed me that they do not furnish information to the bureaus. The problem is, this information is not accurate. The court itself did not furnish any of this information to the credit bureaus. Also, the court does not furnish this information to third parties either. Providing false information as to who furnished information is a violation of the Fair Credit Reporting Act for reporting false information. I have provided documentation of proof that the courts do not verify the information directly with the credit reporting agencies. XXXX has already done its due diligence by removing this inaccurately reporting information from my records.

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 2021-02-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Home Loan Center, Inc.
State: WA

Complaint narrative:
LENDINGTREE CALL ALL THE TIME TOLD THEM TO STOP AND REMOVE MY NAME.

EMAIL : XXXX will get 4 to 9 emails a day. Told them to remove my email. 

Will start calling at XXXX up till XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 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:
I am disputing a negative collection mark on my XXXX  and Transunion credit reports in the amount of {$140.00}. The original creditor for this amount is XXXX at XXXX XXXX Apartments. The debt now belongs to XXXX XXXX. 

The reason I am disputing this collection is because the original creditor, XXXX at XXXX XXXX, is attempting to charge me for an expense they incurred before I was a resident at their apartment complex. 
I have attached two supporting files : File # 1 is the move out statement and ledger that the original creditor, XXXX at XXXX XXXX, mailed to me upon vacating the apartment. The ledger indicates there is a move out balance of {$130.00} ( the actual amount on my report is now {$140.00} due to added interest charges from XXXX XXXX. ) File # 2 is an invoice from XXXX XXXX XXXX charged to the original creditor, XXXX at XXXX XXXX. This invoice was provided to me by the original creditor, XXXX at XXXX XXXX, as part of my move out statement. The invoice is for carpet replacement in the apartment unit I resided in. 

Per File # 1 my lease agreement began on XX/XX/2018. Per File # 2 the invoice was generated and dated on XX/XX/2018. This means that the carpet in the apartment unit was replaced before my lease agreement began. 

I have disputed this issue with XXXX and they quickly removed the negative collection mark from my credit report. As quoted by XXXX  on page # 1 of the attached file XXXX  Dispute Results, Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). Please feel free to review the XXXX  Dispute Results attached file for your reference.

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