vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-25 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: CT

Complaint narrative:
For the past several months I have been trying to have an inaccurate collection from my credit report- it is regarding a XXXX Account from over 9 years ago that went delinquent in 2013. This item should have been removed from my credit report last year- but has yet to be removed. 

It is severely impacting my credit score and I would like it to be removed. Experian and XXXX  both refuse to correct the information, despite my having disputed the account several times with them. I have no idea how they are verifying that this account is accurate and now, because I have disputed this account so many times, Experian refuses to allow me to dispute it online again.

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 2021-06-25 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: Exeter Finance, LLC.
State: AZ

Complaint narrative:
XX/XX/2021 I called Exeter Finance and spoke with XXXX with badge # XXXX. I spoke with her about an account and credit inquiry not found in there company database. I asked for an explanation on how the credit inquiry was placed and she could not verify any information with me, but tried to obtain all my personal information to place on file. I asked to dispute the inquiry and to receive a full copy of contract bearing my signature as required by law, but she stated there was no information nor account with my information. XXXX credit report states otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 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: CT

Complaint narrative:
For the past several months I have been trying to have an inaccurate collection from my credit report- it is regarding a XXXX Account from over 9 years ago that went delinquent in 2013. This item should have been removed from my credit report last year- but has yet to be removed. 

It is severely impacting my credit score and I would like it to be removed. XXXX and Equifax both refuse to correct the information, despite my having disputed the account several times with them. I have no idea how they are verifying that this account is accurate and now, because I have disputed this account so many times, XXXX refuses to allow me to dispute it online again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 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: Consumer Portfolio Services, Inc.
State: AZ

Complaint narrative:
XX/XX/XXXX I called XXXX to ask about an unauthorized credit inquiry placed on my credit report without my consent that I have no knowledge of, with the inquiry date placed on my XXXX  and XXXX  credit report of XX/XX/XXXX. I spoke with XXXX with I.D . # XXXX and also XXXX in the the " trade line reporting department ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I recently opened a brand new Venmo account. My girlfriend sent me {$30.00} and when i tried to transfer it out Venmo said my account is frozen. I contacted them and they told me to send my ID and SSN. I do that and the answer i got was that my account is permanently deactivated and that the money ( {$30.00} ) will remain in the account and will not be released. How can they just steal money on a brand new account? its not making sense to me. What could i have possibly done to deserve that on a brand new account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-25 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: PA

Complaint narrative:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Hello, I have 2 companies XXXX XXXX and XXXX XXXX  who have been reporting to my credit report. I have contacted the agencies and they still do not remove the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 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: Nelnet, Inc.
State: VA

Complaint narrative:
In 2014 XXXX University indicated that myself nor my student son qualified for a loan to cover room and board. Later it was determined that my son alone qualified and opened a loan in both our names. Shortly after my son withdrew from the school due to a safety breach however the loan remained enforced. Why keep enforcing a room and board loan for a student that withdrew ( for safety reasons ) * See attached message from school. My son recently informed me that this loan was removed from his credit reporting. I would like verification that the account is closed and also removed from my all credit reporting. It should have been removed at the same time. This makes the schools business practices questionable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 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: FL

Complaint narrative:
On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 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 hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
I received an attempt to collect a debt from XXXX, a debt collection company, dated XX/XX/2021 in the amount of {$310.00} The debt states it is from a Paypal account. 

I do NOT have a paypal account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: WA

Complaint narrative:
I have made more than my monthly mortgage payment since before Select Portfolio Servicing , Inc. has been collecting on my mortgage. The corporation 's " payment coupon '' has sections to direct application of the payment, including a category for any " Additional Principal ''. Each time I make a payment greater than the required payment I have directed, on the " payment coupon '' the amount to be applied to the principal balance. After the first time I have also written the payment application direction under the " memo '' section of the lower left hand corner of my check. I have always been current on my basic payment, including interest and escrow portions of the payment. 

My payments for XXXX, XXXX ( {$1600.00} misapplied ), XXXX, XXXX ( {$780.00} misapplied ), and XXXX, XXXX XXXX {$730.00} misapplied ) were all incorrectly applied. Select Portfolio Servicing , Inc. has ignored the direction on the " payment coupon '' and my checks and has applied my excess payment to a pre-payment of interest and/or escrow for the future month. Select Portfolio Servicing , Inc., has not earned the interest, nor is it entitled to the escrow payment, at the time it received my payment. Further, by employing this procedure they are keeping my principal balance artificially high, thereby if not corrected, would ultimately charge me more interest than that to which they are entitled under the contract. 
In each instance they have done this I have caught it and spent hours both on the phone and in mailed correspondence with them to have the accounting corrected. I have made repeated pleas to ask the account representative, with whom they chose me to deal, to ask the management to correct their procedures. The explanation I have received is something SPS. Inc. calls " Payment Logic '', ignoring the " Payment Coupon '' they have printed on the lower half of its statement. I have threatened to make a complaint and on this third event am now making this complaint. 

The dollar amounts for any one month for one mortgage are not hugely significant for any one contract but if this is happening to multiple mortgage payors over a significant amount of time, Select Portfolio Servicing, Inc. could be cheating consumers out of a large amount of money. 

They have corrected the error each time but it has required close review of my statement, at least two phone calls on their phone tree regulated system, wait times and call backs. I have had to write detailed letters, sort through complex spreadsheets from them to confirm the accounting was corrected. This can be fairly complicated math because each misapplication of a payment to principal affects all current and future interest calculations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have been scammed by CitiBank. Without my authorization, Citibank has approved ACH transaction of {$10000.00} to pay for a stranger 's utility bills to service providers such as XXXX ( electrical bills ) XXXX ( Mobile phone service ) and XXXX XXXX XXXX service. The money was drawn from my checking account without my authorization. 
Citibank has violated SEC rules and regulations. They have authorized the fund transfers based on a telephone call from a stranger imposter. They have neglected to exercise due diligence. They have refused to reimburse me for the unauthorized fund transaction.

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 2021-06-25 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: AZ

Complaint narrative:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
please review the following accounts that appear on my credit report, without any authorization, they do not belong to me, it is hurting me dentity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft SYNCB/XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX 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 2021-06-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: AZ

Complaint narrative:
on XX/XX/XXXX at approx XXXX quicken loans did a hard pull on my credit and my wives without authorization. we have worked very hard to fix our credit and it was only supposed to be information gathering and they ended up doing a hard pull and took multiple days to respond and then tried blaming me for approving it in which i never did. they deflected back into turning it into a sale instead of addressing the issue. and kept bouncing the blame between my wife and I when they should have never pulled.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 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: DISCOVER BANK
State: FL

Complaint narrative:
I have these accounts that does not belong to me and i want it to be remove from my credit asap. 

XXXX  1. Identity Theft XXXX Account Number : XXXX This is not mine. 

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

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

4. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine. 

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

7. Identity Theft DISCOVER FIN SVCS LLC Account Number : XXXX This is not mine. 

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

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

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


XXXX 1. Identity Theft DISCOVER FIN SVCS LLC Account Number : XXXX This is not mine. 

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

XXXX 1. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine. 

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
For three months I have been trying to access my Experian XXXX XXXX account. Ive called countless times and ticket number XXXX has been submitted multiple times, however I get no follow up on the issue and Im still unable to log on to the account. When I try to log in I get an error message " Oops, we're sorry! 
Experian is committed to protecting your personal information. We utilize a thorough identity verification system because your security is important to us. Unfortunately, we have not been able to properly identify you from the information you provided. Please note that your order has been canceled. Call us toll-free at XXXX '' But I call & they say its a verification issue, but they still can not help me access my account. For more than 5 year there authentication system has been populating information that is not on my credit report and Ive been unable to obtain yearly credit reports online, but have to request them in paper thru the mail. This problem may have something to do with this issue. Please help me fix this issue so I can log on to my XXXX account and access my yearly credit report online.

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 2021-06-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My pre existing Chase bank account was fraudulently accessed by an unknown person, leaving me with a balance {$28000.00}. When I noticed I immediately called to have the account closed and have the charges removed. The grief and trouble this has caused me so far over these erroneous charges and becoming very stressful. I demand this account to be removed from my credit report as I have followed your instructions to complete an identity theft affidavit and police report stating my claims of identity theft. My information was also involved in the XXXX data breach and may have gotten in to the hand of the wrong people.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 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: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1959 ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1959 ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL 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 2021-06-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: MI

Complaint narrative:
They have called maybe 30 times. We do not owe anybody any amount of money

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 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: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1959 ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 

XXXX XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1959 ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation