vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-11 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:
XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX. 
{$6900.00} Balance updated XX/XX/2021 fcra violations not mine :

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 2021-08-11 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: TX

Complaint narrative:
XXXX XXXXXXXX XXXX Original creditor : XXXX XXXX XXXX XXXXXXXX XXXX. 
{$6900.00} Balance updated XX/XX/2021 fcra violations not mine :

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UMB FINANCIAL CORPORATION
State: WA

Complaint narrative:
XXXX XXXX via UMB bank targeted me for a promotion in XXXX, which said that as long as I met the terms of the promotion, I would get {$200.00} deposited into my XXXX XXXX Cash account within 30 days of meeting the terms. I have met the terms for nearly 60 days ( XX/XX/XXXX ) and even though I've reached out twice, I still don't have the {$200.00} that I'm supposed to get from that promotion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 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 have called Experian and explained that my purse was snatched with all of my personal information & I recently noticed that inquires were appearing on my report. I was instructed to send in a identity theft report which I did & they say it was not there. I have attached that to this complaint.

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 2021-08-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
Hello, On XX/XX/2020, I had ordered accessories from a seller on PayPal. I spent a total of {$6100.00}. It is now XX/XX/2020, and I have yet to receive these products. Ive already contacted PayPal and they couldnt help me. The seller provided both PayPal and I tracking information for the products that show that the products were delivered to an address in NY, however, I live in Massachusetts. My PayPal account also lists my address on it. I do not live in New York.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Acknowledge Debt Resolutions
State: SC

Complaint narrative:
This company ADR ( XXXX-XXXX-XXXX  ), continues to call my home phone and our cell phone at least 15 to 20 times a day. They states that they are trying to get in touch with someone that doesn't reside here. I told them that they have the wrong number by they continues to harrass us everyday all day.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: GreenSky, LLC
State: WA

Complaint narrative:
Hi I am writing to report a problem with GreenSky. Hi, I'm writing to you because I have a loan with the GreenSky company. I took out a loan on XX/XX/2020 from this company for roof repair. The roof began to leak from XXXX. I spoke my problem with the selling agent who helped me report the leak. I made my report on XX/XX/2020. I was sent by XXXX people who glued it. The leak continued to progress and I reported it again by calling and emailing. Now is XXXX and I have reported the problem XXXX times this month, and I have not received a response. I would like to know what I can do because they don't listen to me but I do have to keep current my payments. Today I decided not to make the payment to see if the problem will be fixed before winter begins. There are XXXX Companias and XXXX is called GREENsky XXXX XXXX XXXX located XXXX Georgia XXXX, and the other company is XXXX XXXX where I have reported the problem several times as well XXXX. I hope you guide me to see what I can do, thank you or report this in your reocrds. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Below are the lists of the erroneous Inquiries reporting on my Credit Report : XXXX Date of inquiry XX/XX/2021 XXXXXXXX XXXX Date of inquiry XX/XX/2XXXX XXXX XXXX Date of inquiry XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 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: NC

Complaint narrative:
XXXX OF 2021, XXXX OF 2021, XXXX OF 2021. I ASK ALL THREE CREDIT COMPANY, XXXX, XXXX, EQUIFAX..TO REMOVE XXXX  XXXX XXXX  ACCOUNT ENDING IN # XXXX AND XXXX XXXX XXXX ACCOUNT ENDING IN # XXXX. I HAVE LETTER STATING THAT THEY AGREE TO REMOVE THIS ITEMS AND HAS NOT.. THE ATTACHMENT IS BELOW ...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
Portfolio Recovery is calling me frequently on robo calls from different phone numbers. Everytime I block their number they call from a different number. They are harrassing me. They have called from : XXXX-XXXX-XXXX  XX/XX/XXXX atXXXX XXXX  XXXX-XXXX-XXXX  XX/XX/XXXX at XXXX XXXX  XXXX-XXXX-XXXX  XX/XX/XXXX at XXXX XXXX  XXXX-XXXX- XXXX  XX/XX/XXXX at XXXX XXXX while I was sleeping.

XXXX-XXXX-XXXX  XX/XX/XXXX at XXXX XXXX  XXXX-XXXX-XXXX  XX/XX/XXXX at XXXX XXXX  XXXX-XXXX-XXXX  XX/XX/XXXX at XXXX XXXX  XXXX- XXXX-XXXX  XX/XX/XXXX at XXXX XXXX XXXX-XXXX-XXXX  XX/XX/XXXX at XXXXXXXX  XXXX-XXXX-XXXX  XX/XX/XXXX at XXXX XXXX It goes on and on but i feel this is enough to show i am tired of being harrassed by portfolio recovery!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-11 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: NY

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : US SM BUS ADMIN ODA-Date of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX US SM BUS ADMIN ODA-Date of inquiry XX/XX/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 2021-08-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Village Capital & Investment LLC
State: IL

Complaint narrative:
I requested in writing a payoff quote and was told I would have a 7 business day turnaround time. I submitted the request in writing XX/XX/XXXX @ XXXX XXXX CST, received a response on XX/XX/XXXX @ XXXX XXXX CST that my request was received on XX/XX/XXXX and that a payoff quote would be to me within 7 business days. 

XX/XX/XXXX was the 7th business day, so I followed up on my request on XX/XX/XXXX @ XXXX XXXX CST via the email chain the originally requested payoff. I received no response. 

On XX/XX/XXXX @ XXXX XXXX CST, I called Village Capital Investment LLC ( XXXX ) XXXX-XXXX  to get the quote expedited since they were out of tolerance and was informed I would need to wait another full business day. I pleaded with XXXX ID # XXXX with no success, requested a manager, and was given to XXXX, who did not offer any help or solution. When I asked for their ID #, they hung up on me. I called back ( XXXX ) XXXX on XX/XX/XXXX @ XXXX XXXX CST and requested a manager ; I was transferred to XXXX ID # XXXX. He told me, just as everyone else had, they don't count the day the request was received and that I would have the quote sometime today. I explained that CFPB clearly states that the turn time must be within 7 days of receiving the request. And since my request was before business hours, it would be counted as a business day. I pleaded and told him that his borrower had a closing planned in an hour and a half, which was scheduled based on their turnaround time of the payoff. I told him the closing would have to be rescheduled, that his borrower had their house packed up ad this payoff quote is the only thing keeping her from moving. He showed no care nor had any initiative to look into expediting the payoff. There was no attempt to look into it or see if they could help, just a cold hard no. and you'll have it sometime today. This type of inhuman response is appalling and should be met with consequences. They were out of tolerance and did not attempt to remedy the situation. I still do not have the payoff quote and will now have to call their borrower and tell her we have to reschedule their closing and she can not move today as she had planned. Based on the info provided by Village Capital we would have the payoff quote on XX/XX/XXXX so I scheduled the closing for XX/XX/XXXX @ XXXX XXXX CST.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 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: TX

Complaint narrative:
FCRA VIOLATIOSN : XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Multifamily XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Multifamily XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Closed. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$120.00} Status Open. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. {$1000.00} written off. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$7200.00} Status Voluntarily surrendered/Never late. {$7200.00} past due as of XX/XX/XXXX. 






XXXXXXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$82000.00} Status Open. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1000.00} Status Account charged off. {$1000.00} written off. {$1000.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$500.00} Status Collection account. {$500.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$170.00} Status Collection account. {$170.00} past due as of XX/XX/XXXX. 
XXXX  XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$700.00} Status Collection account. {$700.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
OFFICE OF THE ATTY GENER Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Open. 
OFFICE OF THE ATTY GENER Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Open. 





XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America allowed for a credit card to be opened as a result of identity theft in my name. Bank of America was notified about the credit card and checking accounts and never did anything about it. 

Bank of America was included in my bankruptcy chapter XXXX case filed XX/XX/2021. This was filed due to battling identity theft for so long I could no longer battle it. The card is discharged yet Bank of America still reports it as charge off owed debt. This is no longer collectible and the credit reporting should be updated. Also why am I listed as a bad customer because a thief opened checking accounts without my authorization? Also you said you linked the Bank of America checking to a XXXX XXXX  account in the past. That XXXX XXXX  account was also identity theft and has been closed as such. So that does not trace back to me. You can speak with them about that.

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 2021-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Experian XXXXXXXX XXXX XXXX  All 3 Credit Reporting agencies refuse to release any & full credit reports to XXXX XXXX XXXX in her requests by her name, DOB, SSN.

All 3 Credit Reporting agencies will only provide to XXXX XXXX XXXX ; by her current address ; nothing else ; a strictly limited information.

Infact all 3 credit reporting agencies ; contrary to federal laws ; inform Ms. XXXX they only do data release related of Ms. XXXX 's current and given address ; not by her name, DOB, SSN.

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 2021-08-11 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: OneMain Finance Corporation
State: GA

Complaint narrative:
I have been disputing all late payments with this company for years even hired a credit repair company was charged hundreds of dollars, they even disputed the late payments and they never enemy responded to the disputes and they have damaged my credit tremendously, they even whet into my wifes account and took an unauthorized payment out of her account only because she had used her account previously to make a payment for me, this caused her account to be seriously overdrawned

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rent Recovery Solutions
State: GA

Complaint narrative:
XXXX  XXXX/XXXX  XXXX  stated I owed them money for a rental moveout adn reported me to Rent Recovery. I contacted XXXX XXXX XXXX  and made a settlement to resolve the issue for which I paid them. XXXX XXXX/XXXX XXXX provided me a letter stating it was resolved, but they will not contact Rent Recovery to clear the debt off my credit. I attached the letter they provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 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: TX

Complaint narrative:
I am a victim of identity theft & the person is completing applications in my name without my permission. I have included my identity theft 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 2021-08-11 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX Account Number : XXXX This is not mine.

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 2021-08-11 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: Duvera Billing Services, LLC
State: OR

Complaint narrative:
THE TWO ACCOUNTS " DUVERA/XXXX XXXX '' ARE REPORTING INACCURATELY ON MY CREDIT REPORT. I PAID BOTH OFF IN FULL BACK IN XXXX. THE ACCOUNT IS STILL REPORTING NEGATIVE WITH A BALANCE ON MY CREDIT. I HAVE ATTACHED PROOF OF IDENTIFICATION, A CONFIRMATION EMAIL OF PAYMENT I MADE TO THEM AND A COPY OF MY BANK STATEMENT SHOWING THE CHARGES AFTER THEY TOOK THE MONEY OUT OF MY ACCOUNT. THIS IS A VIOLATION TO MY FCRA RIGHTS. THESE TWO ACCOUNTS NEED TO BE DELETED FROM MY CREDIT ASAP!! THEY HAVE BEEN INACCURATELY REPORTING FOR ALMOST 2 YEARS NOW IF NOT MORE. I ALSO ATTACHED A SCREENSHOT OF THE ACCOUNT AS SHOWN ON MY CREDIT REPORT.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 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: World Acceptance Corporation
State: MO

Complaint narrative:
Due to lack of response from these companies, I am filing this complaint to WORLD FINANCE CORPORATION, and XXXX. They have ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA - they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: American Coradius International LLC
State: NY

Complaint narrative:
My XXXX account was hacked and some charges were made onto the account creating a negative balance. I mailed a payment on XX/XX/XXXX to the payment account address in XXXX. On XX/XX/XXXX the check I sent in was cashed for {$1000.00}. To date they have yet to apply the payment to my balance and sent it to ACI solutions collection agency. I have about 20 calls back and forth, numerous messages on their online chat system and even tried their XXXX page. No one seems to care or want to assist me. I will not pay this balance twice.

Company response to consumer: Closed with explanation