vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-02 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: NC

Complaint narrative:
XXXX, XXXX  and TransUnion arent complying with my dispute request. I sent them a letter on the XXXX of XX/XX/2020 which was my initial dispute. I then sent another letter on the XXXX of XX/XX/2020, which was a thirty ( 30 ) day demand to comply and they still havent responded.

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 2020-11-02 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: NC

Complaint narrative:
XX/XX/XXXX, Equifax and XX/XX/XXXXarent complying with my dispute request. I sent them a letter on the XXXX of XX/XX/2020 which was my initial dispute. I then sent another letter on the XXXX of XX/XX/2020, which was a thirty ( 30 ) day demand to comply and they still havent responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In XX/XX/2020, I filed a dispute with Experian and they refuse to do an investigation. I do not understand why they are saying this? I have done everything by the book and file things myself, Having to do this again all because they don't want to do their jobs is crazy. I hope you can help me with this matter.

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 2020-11-02 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: IL

Complaint narrative:
I noticed a negative report on XXXX and Transunion had a negative report on my credit, so I disputed it and they responded by sending me the copy of a contract not signed by me, wrong email, wrong physical address, wrong phone number. The only thing right was my name. I have contacted them several times, disputed it with both XXXX and Transunion with no results. The Debt Collector is XXXX  XXXX  XXXX  and I have recently got some information from an Attorney that the have several judgment against them in Federal Court of which they are ignoring. They are getting sued in Federal Court and having Default Judgments taken against them, yet not updating the credit reports to be accurate all while demanding payment for the tradelines to be deleted.

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 2020-11-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I sold an amplifier via Paypal for {$1600.00} to a customer XXXX XXXX in XXXX via transaction # XXXX. PayPal kept the money of {$1500.00} MrXXXX XXXX wanted me to ship the item to XXXX. I spent {$150.00} to the ship the item sent the customer the tracking number and asked PayPal to release the money. 

I called Paypal when they told me that it would take 60 days top release the money and I had no seller protection because the customer made me ship the item to an address that is not on his PayPal account and they told me that I should reverse the shipment which I did. 

Now Pypal is charging me {$70.00} for the difference in the commission they have already taken for a transaction that has been reversed. 

I have lost nearly {$300.00} on a Pypal transaction I am tired of dealing with PayPal call centers in XXXX which is a criminal waste of time where people earning XXXX cents an hour waste peoples time in USA

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02 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: GA

Complaint narrative:
I opened this XXXX  account many years ago. I paid it off when I moved overseas. While living overseas `I was a victim of identity theft. I made several attempts to contact this company while overseas but to no avail. I even ended up paying most of the outstanding balance which was not my collection.

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 2020-11-02 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: GA

Complaint narrative:
I opened this XXXX account many years ago. I paid it off when I moved overseas. While living overseas `I was a victim of identity theft. I made several attempts to contact this company while overseas but to no avail. I even ended up paying most of the outstanding balance which was not my collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02 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: GA

Complaint narrative:
I opened this XXXX account many years ago. I paid it off when I moved overseas. While living overseas `I was a victim of identity theft. I made several attempts to contact this company while overseas but to no avail. I even ended up paying most of the outstanding balance which was not my collection.

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 2020-11-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Paramount Recovery Systems, L.P.
State: TX

Complaint narrative:
On XX/XX/XXXX Paramount Recovery reported to all three credit bureaus that I have an outstanding medical bill with the original debtor XXXX XXXX XXXX in the amount of {$960.00}. On XX/XX/2020 I contacted XXXX XXXX XXXX to settle the debt for a lower amount since they had sent me a letter in the mail dated XX/XX/2020. I paid XXXX XXXX {$380.00} and the debt was satisfied and the debt was removed from my credit report. Now the same debt but different debt collector is trying to collect the money for the same medical bill. I called today and spoke with a customer service at Paramount but all I was given was an email address to send all of my information that I paid and nobody contacted me back to inform me the debt was removed from credit report. 
XXXX XXXX XXXX XXXX Paramount Recovery XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R.M. Galicia, Inc.
State: CA

Complaint narrative:
I requested validation of this debt and was completely ignored. I had two insurances : a private PPO and I am a XXXX Veteran and VA picked up the remaining debt as I am service connected. I have no idea how I can have all of this insurance and still have a medical debt. I wrote the original creditor and Progressive and asked for an itemization and received absolutely no response except to have it placed on my credit report. No itemized bill no written response nothing. This is a violation of FCRA Section 623, FCRA Section 611 Part ( A ) ( 1 ), FDCPA Section 809 ( b ) and FTC opinion Letter Cass from 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 2020-11-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I had some charges on my credit card from someone purchasing a train ticket through XXXX, in addition to travel insurance. The credit card company opened a fraud claim on my behalf, but included some other charges. Some charges were legit ( my wife was on a weekend trip ). 

Because XXXX was listed on my statement with contact information I also called them. They transferred me to the XXXX Police and they opened an investigation after I gave a statement. We turns out, the XXXX police tracked down the ticket and took the passenger off the train at the time of the ticket and that person was arrested. I suppled all this to Bank of America. Even on my online statement its shows an online purchase, plus I provided all the police reports to Bank of America. They still are declining on fraud claim. Its been 4 months and upwards of 35-40 hours of me on the phone with them, and i continue to fight out of principle. 

Case # 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 2020-11-02 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I am a federally protected consumer and found that I was injured due to multiple fdcpa violations causing anxiety and the inability to sleep due to this alleged debt they contacted me after receiving a cease and desist and have not responded to my affidavit of truth or my default & opportunity to cure letter Allegations in affidavit in support of motion must be considered as true in absense of counter-affidavit. [ Group v Finletter, 108 F. Supp 327 Federal case of Group v Finletter, 108 F. SUPP. 327 ]

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 2020-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am requesting to remove the fraud alert on my Credit report. I've sent an email about it but I haven't got any response yet from the credit bureaus. Please help me. Thank you!

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 2020-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am requesting to remove the fraud alert on my Credit report. I've sent an email about it but I haven't got any response yet from the credit bureaus. Please help me. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am requesting to remove the fraud alert on my Credit report. I've sent an email about it but I haven't got any response yet from the credit bureaus. Please help me. Thank you!

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 2020-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I noticed a negative report on Experian and XXXX had a negative report on my credit, so I disputed it and they responded by sending me the copy of a contract not signed by me, wrong email, wrong physical address, wrong phone number. The only thing right was my name. I have contacted them several times, disputed it with both Experian and XXXX with no results. The Debt Collector is XXXX XXXX XXXX and I have recently got some information from an Attorney that the have several judgment against them in Federal Court of which they are ignoring. They are getting sued in Federal Court and having Default Judgments taken against them, yet not updating the credit reports to be accurate all while demanding payment for the tradelines to be deleted.

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 2020-11-02 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: IL

Complaint narrative:
The bureaus not following the laws. They have not provided me with any of my investigation results nor have any changes made.. I have sent out several letters in regards to disputing matters upon my credit concerns.. Please help with assisting me with getting these matters resolved as soon as possible..

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 2020-11-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: INTERCONTINENTAL CAPITAL GROUP
State: NV

Complaint narrative:
I did a refinance with Intercontinental Capital Group, I was satisfied with me rate, but in the beginning, I was told I would miss XXXX and XXXX payment. The process started, I thought it was strange I had to fill out the same documents a couple of times, but I completed each task. During the process I was told by XXXX XXXX, depending on the close date I may not have to pay XX/XX/XXXX payment either. I told him fine, but he would need to let me know before the XX/XX/XXXX, so a late fee would not be applied. XXXX did not inform me, so I made the payment on the XXXX, I would learn later the loan was paid off on the XXXX. At closing, XX/XX/XXXX, I saw the first payment was due XX/XX/XXXX. I emailed XXXX about this issue, not being what was agreed upon, I was ignored by XXXX. I filled out a survay giving poor ratings, and was then contacted by XXXX. XXXX gave a very poor answer to the situation, claiming I was confused as to the agreement, which definitely was not the case. I again emailed XXXX 4 more times and have been completely ignored. I have attempted to contact the company directly, the phone numbers are disconnected and the toll free number lists several TV providers. I now am very nervous about who is in control of my loan, no customer service can be reached. I don't know if you can do anything to help, I just want to warn other veterans about this shady company and not to do business with them. My only hope is they sell my loan to a reputable company. If they have to be approved to do business with veterans, I would strongly encourage they be removed from being able to provide any service to any veteran. If you can't honor your word, you're out.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02 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: CA

Complaint narrative:
These are not my accounts that I have inquired about. I have given my name by I.D . and it's not showing correctly on my credit which I think opened these accounts in my name. Please remove them.

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 2020-11-02 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:
These are not my accounts that I have inquired about. I have given my name by I.D . and it's not showing correctly on my credit which I think opened these accounts in my name. Please remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02 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: AZ

Complaint narrative:
On XXXX XXXX, 2020, I filed a complaint with the FTC for identity theft. Three of the five accounts listed are on my TransUnion  credit report. Just as the FTC recommended, I mailed, faxed, and emailed a copy of the FTC report as well as a letter with the FTC logo upon it, a copy of FCRA 605 ( B ), and a copy of my driver 's license as identification. The only item not included is a copy of my credit report as they have refused to provide me one for months due to their allegation that they can not supply one to me because there are open disputes. This is not the law. TransUnion did eventually put a fraud alert on my account. Unfortunately, that is all they did. As per the Code, I know that a block is supposed to be placed on the account resulting from identity theft. This has not occurred. The only fraud process they have online is to submit the fraud through their dispute resolution center. I did upload all my documentation, again, but now the " date of resolution '' is now over a month away. That is not part of FCRA 605 ( b ). Can you please help me get this information to them?

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 2020-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
These are not my accounts that I have inquired about. I have given my name by I.D . and it's not showing correctly on my credit which I think opened these accounts in my name. Please remove them.

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 2020-11-02 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: IL

Complaint narrative:
The bureaus not following the laws. They have not provided me with any of my investigation results nor have any changes made.. I have sent out several letters in regards to disputing matters upon my credit concerns.. Please help with assisting me with getting these matters resolved as soon as possible..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The bureaus not following the laws. They have not provided me with any of my investigation results nor have any changes made.. I have sent out several letters in regards to disputing matters upon my credit concerns.. Please help with assisting me with getting these matters resolved as soon as possible..

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 2020-11-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
My husband and I consolidated our student loans in 2003. That original balance of {$32000.00} included all loans taken by my husband and myself. But Navient added the balance to our accounts twice, as if we EACH owed {$32000.00} and has been charging us interest on that ever since and will not respond to requests to adjust this balance correctly and apply all payments to the correct account.

Company response to consumer: Closed with explanation