vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-12 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: AZ

Complaint narrative:
XXXX is reporting inaccurate information, they have reported to the credit bureaus that I was late in XXXX and XX/XX/2018. I wasn't late and it also states I was 90 days late, I had brought this up to them and they changed my credit reports to different 90 day payment late times to Equifax, XXXX, XXXX, they are falsifying information as they reported I'm late when I was never late, they are continuing to show that I'm late 90 days when I had on time payments in the previous months. I am requesting that these payments are showed as paid on time and never late, I've sent a letter to the CEO and they are just giving me the run around. it clearly is reporting in accurate information on being late in XX/XX/2018 and XX/XX/2018, then they moved the late reporting and changed it after I had did my last dispute so the credit bureau or navient is moving around the late payment dates with the bureaus and no one is wanting to help me resolve this I am asking for a full proof of what the in accurate reporting to the credit bureaus and also why on the credit pulls I've done they are changing the late times. please look at the credit reports that I've enclosed. its the job XXXX to report the accurate info to the bureaus and they are not and then change the info and please look at the proof in the attachments. please look at the enclosed attachments and you can see they changed the information to the credit bureaus on the times I was late after I did my dispute on this in accuracy. the reports I have saved for XXXX and XXXX show the XXXX and XX/XX/2018 I was 90 days late and after I had done several disputes for the inaccurate info Navient then change the 90 day late payments to XXXX and XX/XX/2018 so this is falsifying or minupalting or certainly reporting inaccurate information please look at this and help me delete this account for reporting inaccurate information on my credit bureau reports. after I did my disputes they went and changed the information reporting to now a different time to the previous month so this shows they aren't telling the truth regardless.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Credit bureau is reporting my medical bills. According to HIPPA no protected health information should be shared publicly. This goes against HIPPA Rules and regulations and violations my rights.

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 2021-03-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
On XX/XX/2021 I submitted a letter to the credit bureau disputing items that were inaccurate or did not look familiar to me on my credit report. After submitting my complaint I waited patiently expecting the bureau to resolve this issue and send me a new copy of my my credit report with the updated changes, but that was not the case. It has been more almost 60 days now and I recently reviewed my credit report and the items are still on my credit report. To my understanding the bureau advised they would provide results to my dispute investigation within 30 days or the items would be deleted. In hope of getting a response I recently sent another letter last week on XX/XX/2021 demanding them to respond to my initial dispute letter. At this point the items should be deleted and I feel like they are taking advantage of me as I still have not received any information or timeline to date. I don't know what else to do at this point.

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 2021-03-12 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: DE

Complaint narrative:
On XX/XX/2021 I submitted a letter to the credit bureau disputing items that were inaccurate or did not look familiar to me on my credit report. After submitting my complaint I waited patiently expecting the bureau to resolve this issue and send me a new copy of my my credit report with the updated changes, but that was not the case. It has been more almost 60 days now and I recently reviewed my credit report and the items are still on my credit report. To my understanding the bureau advised they would provide results to my dispute investigation within 30 days or the items would be deleted. In hope of getting a response I recently sent another letter last week on XX/XX/2021 demanding them to respond to my initial dispute letter. At this point the items should be deleted and I feel like they are taking advantage of me as I still have not received any information or timeline to date. I don't know what else to do at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequoia Financial Services
State: CA

Complaint narrative:
No lawsuits have been filed regarding this issue yet, which is why I am asking the CFPB to investigate Sequoia. They are trying to collect on a medical debt that does not belong to me and they are reporting it to my credit. They say the debt was for a medical debt at XXXX XXXX, but I have never been there, therefore they could not have charged me. If in the event I am delusional then Sequoia   should have not problem producing a copy of the original contract to substantiate per their requirement under the FDCPA. Sequoia  is attempting to collect on a debt not authorized by an original agreement because simply I never went to XXXX for any sort of medical treatments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have been disputing these account for exactly 4 years. I have submitted police reports, ftc reports, notarized letters, etc. The credit bureaus claims that the creditor is providing them with proof the accounts belong to me. When I ask to see the proof I am directed to the creditors, when I call the creditors I cant get past verification because the accounts do not belong to me. I have been getting the run around for 4 years, so I have sued the creditors since it is the creditors, in accordance the bureau, that has to be provide me proof. I have been advised by my attorney to dispute the following accounts 1 ) security service account number XXXX and XXXX ) XXXX XXXX account number XXXX and inform the bureau that the account are now in litigation, however I can't dispute online and when I call I get the run around from person to person department for days. Per my attorney the accounts listed in this complaint are now in litigation and I have not supplied proof under the doctrine of estoppel by silence. XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

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 2021-03-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WINNPOINTE CORPORATION
State: CA

Complaint narrative:
I have been trying to refinance my home loan with interactive mortgage since XX/XX/XXXX. I was quoted a rate of 1.99 % for a 15-year fixed mortgage. This rate was locked ( I was told ) and I provided them with all requested documentation the same day it was requested. I was on maternity leave when I initiated the process and so I provided them with a verification of employment form and I was told than the loan would close a month before my return-to-work date ( XX/XX/XXXX ). During the month of XX/XX/XXXX I waited to hear from them and I reached out to my loan officer. I received a group email that he had contracted covid and to be patient and that my loan was approved and they would reach out to me. I called back again that same month and was told that the loan officer ( XXXX XXXX ) no longer worked there and that XXXX XXXX was my new loan officer. I was told that they were busy and to be patient. I spoke with Mr. XXXX on XX/XX/XXXX and he assured me that he was there for me and that I should continue to be patient. On XX/XX/XXXX I received an email from XXXX XXXX that my loan was ready to close and to set up an appointment with the notary. I met with the notary the following day ( XX/XX/XXXX ) and signed closing loan documents for a 15 year refinance loan at 1.99 % 15-year-fixed. I then received and email from Mr. XXXX on XX/XX/XXXX stating that they needed another verification of employment form completed ( I had already sent this to them XX/XX/XXXX ). I responded that same day with my 2 most recent paystubs and asked if that form was still necessary since I was no longer on maternity leave. I never received a response from Mr. XXXX to that email. I received another email on XX/XX/XXXX from XXXX XXXX asking for updated paystubs which I promptly provided. He also forwarded another verification of employment form which I my employer completed and returned on XX/XX/XXXX. Then, on XX/XX/XXXX, Mr. XXXX said that was the wrong form and gave me a different form for my employer to complete. This new form was completed by employer and forwarded to interactive mortgage ( XXXX XXXX XXXX XXXX XXXX ) on XX/XX/XXXX. I contacted interactive mortgage on XX/XX/XXXX by email as I had not heard back from them and they then replied that we were ready to close ( even though I signed closing docs on XX/XX/XXXX ) and they sent a new disclosure to e-sign with a rate of 2.125 % for a 15year fixed loan. I replied that this was not the agreed upon rate and that the fault lay with them that the loan had not yet closed. Since then I have been given the run-around and still have not received closure to this situation. In the meantime they have repeatedly pulled my credit without my consent and cost me the opportunity to refi with an alternate lender at the previous rates as I operated in good faith that this lender would follow through in their promise ( and our signed/notarized contract ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I signed up under the Trans Union website under the understanding I was establishing a login so I can turn on and off my credit freeze. I was mysteriously signed up for their credit monitoring service with absolutely no indication. I have been charged a monthly service fee that I was completely unaware of. This process is borderline predatory, a scam, and at the minimum unethical

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 2021-03-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: DISCOVER BANK
State: CA

Complaint narrative:
I have been trying to contact Discover 's legal team FOREVER, in order to settle my credit card debt for less. I have called over twenty times, however, they keep selling my debit to third party Collections agencies, and the latest one is XXXX XXXX  XXXX, which have a dishonorable reputation, rarely pickup the phone for negotiations, haven't made an offer, and are probably getting ready to sue me and garnish the very little stimulus check money I have in my account. It is indeed going to cost them more to sue me than settle with me over the phone. 

As I was able to reach them after numerous attempts, I offered to settle for less. The representative of XXXX XXXX  XXXX gave me the impression that she is working with me and that it's a " done deal. '' That was my perception. She asked numerous personal questions regarding my income, personal assets, about where I live, what I drive, how much I make, some other stuff. Then she placed me on a brief hold and came back by stating they can't settle for less and are offering to settle for {$4900.00} which is around six time the amount I had offered. She purposefully gave me the impression that those personal questions were asked to settle for the amount I had offered. 

I will be moving soon to the East, if everything goes as planned. XXXX XXXX  XXXX have allegedly transferred the debt back to Discover as I told them about the move. They don't operate there. I think this worked to my benefit since I wound't wish this entity upon my enemies. 

After the transfer, I have called Discover, the original debtor, an unhealthy amount of times, recorded many of these calls with their consent to prove in the court, when and if the time comes, that I have made the attempts. They either do not have the debt or are rude or unhelpful. The last, rude girl from the legal department yelled at me for recording without her consent, even though they'd been recording me constantly without my " yes '', and the app I used specifically mentions that it is being recorded. 

I was diagnosed with XXXX a couple of years ago, ( I can provide with the papers ), and I've been XXXX  XXXX  due to not being able to speak to anyone and/or negotiate in a reasonable manner. This is insanity. I understand my obligations, but unemployment happened, followed by Covid, XXXX XXXX  and despair. Why aren't this companies approaching more humanely? Why is no one contacting me with a reasonable offer? I can offer 15 % of the original debt for a full settlement. I am extremely poor right now, extremely XXXX. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
On XX/XX/2020 : Phoenix Financial Services Inc has reported to all three of my credit reports for a bill totaling {$76.00} This debt does not belong to me, I have not been to a hospital  in 7 Years. This debt again does not belong to me. So I am asking Phoenix Financial Services to remove their trade off all 3 of my credit reports. Or I will have no choice but to hire me a lawyer and make this a legal case. 

I am asking for the removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX, TransUnion and XXXX  have overused their power of being consumer reporting agencies. The misuse and unauthorized reporting, validating debt and other without my consent is unfair according to Congress Law. I have attached letters that I've previously sent via mail. These credit bureaus are not operating with the boundaries of FCRA and FDCPA.

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 2021-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I SENT NUMEROUS AMOUNTS OF REPORTS TO REQUEST FOR VERIFCATION OF REPORTS THAT ARE INCORRECT FRAUDULENT AND ID THEFT. I SENT AN NOTORIZED AFFIDAVIT THAT HAS NOT BEEN LAWFULLY ANSWERED ABOUT MY QUESTION OF METHOD OF VERIFICATION OF THESE ERRORED ACCOUNTS. THE HAVE NOT IN 6 MONTHS OF ME REQUESTING SENT ME WHAT I REQUESTED OF A COPY OF AN ORGINAL WET SIGNED CONTRACT BY ME OBLIGATING ME IN ANY FORM ID THEFT ACCOUNTS NEED TO BE DELETED, ID THEFT, FIALURE TO RESPOND LAWFUL WILLFUL VIOLATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX 
XXXX XXXX UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/2019 XX/XX/XXXXXXXX XX/XX/2019 XX/XX/XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XX/XX/2019 XX/XX/XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 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 2021-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
On XXXX, all XXXX tokens associated with my account were frozen/restricted by Ally Bank. These include my and my wife 's emails addresses and mobile numbers. 

We have discussed at length the issues on 3 separate telephone calls with members of Ally Bank 's team, including some supposedly supervisors ( like XXXX ) who have promised to take action on this. There was a ticket or reference number XXXX that was issued to resolve this, but nothing has happened. 

Unfortunately, your customer service team has not performed well because the problem is not resolved. Its quite disappointing that you have not be able to resolve the XXXX issue. I was promised that this would be resolved in 3-5 days, 10 days, etc. and now its over a month. This may be a case of Bank bullying its customers. 

Attached is the last complaint letter I had sent to Ally Bank.

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 2021-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc.
State: NY

Complaint narrative:
I have received repeated phone calls from Credit Corp Solutions from various phone numbers, including : XXXX XXXX XXXX All claim to be contacting me about debt I owe. I owe NO debts or outstanding bills and never have -- my credit reports all confirm this. I have repeatedly told these callers this is the case and to immediately stop contacting me. They have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

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