vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX XXXXXXXX is reporting incorrect information on my reports I phoned in all my payments. when i made my call XX/XX/2020 i was prompted by the automated phone system for COVID RELIEF i would call every month to pay but they said i didn't have to pay and that the payment would just be deferred to a later date and this wouldn't affect my credit. When i found out they were report negatively i PAID OFF THIS ACCOUNT IN FULL. i had no idea they also CHARGE OFF my account in XX/XX/2020 and XXXX XXXX which they did NOT inform they were doing. i would not have let that happen. XXXX broke our agreement The CARES Act. which was signed into law XX/XX/XXXX. XXXX this Act amends the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during COVID 19 crisis. 

I made an agreement with XXXX XXXXXXXX XXXX XXXXXXXX for payment relief before i fell behind the CARES Act Requires that the creditor to report your account as Current and good standings.

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 2022-10-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SYNCHRONY FINANCIAL
State: NM

Complaint narrative:
XXXX XXXX is trying to collect a debt i don't owe. i have responded to them by mail and they still reported to my credit as a collection related to a synchrony account

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 2022-10-11 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Community Health Investment Company, LLC.
State: MS

Complaint narrative:
I have been getting mail about a medical debt that is to be honest. XXXX. It says as of XX/XX/XXXX I owed XXXX dollars.. when I went to XXXX XXXX that day I was not helped AT ALL. They brought me to a room where I sat in a bed for XXXX to XXXX hours while everyone in there ignored me. Not a single person came into the room to help me. After a while a man came into the room and told us to leave. I don't know why we owe XXXX dollars when we did not receive any help that day. At all. And would appreciate it if I would stop getting bills for something that is complete XXXX. I was not looked at by anyone that day. And sat in a room BY MYSELF and then told to leave after I had been there for a while. My husband was with me and can vouche that I did not receive a single bit of help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
Credit Control Corporation is reporting negative information on my report. First CCC  never mailed FDCPA_compliant collection letter ever and i notified them right away and until this day they have not send me any notice at all. second On my XXXX file they are not even providing their name its showing collection under no name. second en XXXX  file they are reporting every month as " C '' since XX/XX/2021 and on the XXXX and XXXX XXXX they are not reporting any payment history. 3rd after many requests in writing they are not providing any details and when i call i get threatened to put lein and garnishment when there is no judgement at all and when i tell them i will file complaint to cfpb they tell me i will be taken to court if i file any complaint and they can reduce the debt to 80 percent if i pay them in full. they also say if cfpb is involved they will charge me full money and legal fee. until this day i dont know what is this debt for and if i owe XXXX  any money

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 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: FL

Complaint narrative:
I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts. 15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. These accounts were opened fraudulently : Disputed Accounts : XXXX XXXX XXXX Account # XXXX Address : XXXX XXXX BIG XXXX XXXX XXXX XXXX, MICHIGAN XXXX BALANCE : {$1000.00} XXXX XXXX Account # XXXX Address XXXX XXXX XXXX XXXX, TEXAS XXXX BALANCE : {$3000.00} XXXX XXXX XXXX Account # XXXX Address : XXXX XXXX XXXX XXXX, IL XXXX BALANCE : {$32000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
This is regarding CFPB complaint # XXXX. 
Attached are the proofs. 

On XX/XX/22, I wired {$66000.00} from XXXX Bank to pay off the mortgage balance which was verified by several NewRez representatives. More NewRez  representatives repeatedly assured me not to worry about the per-diem because XXXX XXXX XXXX not post my payment for days after I already paid off {$66000.00} that I owed. On XX/XX/22, XXXX XXXX returned my wire without any explanation. After endless inquiries, I submitted XXXX Bank statement and letter from XXXX that NewRez  asked for only to be scammed bXXXX NewRezXXXX 

XXXX NewRez 's XX/XX/22 reply : " After our investigation on the returned wire, We did receive a wire in the amount of {$66000.00}, but the wire details lacked identifying information. The wire was rejected due to being unable to locate an account with the information provided. You will need to resubmit the funds, and to be sure to include your loan ID ( XXXX ). '' On XX/XX/22, NewRez replied with a different excuse, " The payoff funds were not received until XX/XX/22. The payoff was completed when the funds were received. '' Again, what I owed was {$66000.00} that I already paid off on XX/XX/22. 

Attached documents show that XXXX followed NewRez 's instructions correctly on XX/XX/22. While waiting for resolution, I paid {$2000.00} on XX/XX/22, {$1600.00} + {$1600.00} + {$61000.00} on XX/XX/22, which is more than {$66000.00} I owed per NewRez.

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 2022-10-11 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: SANTANDER HOLDINGS USA, INC.
State: TN

Complaint narrative:
THE FOLLOWING VOICEMAIL THAT IS ON MY PHONE REPEATEDLY EVERY SINGLE DAY, THIS COMPANY CALLS AT SEVERAL DIFFERENT TIMES OF THE DAY EVERYDAY. This is what the message says : Hello this is Chrysler capital please respond promptly by accessing your account online at my account.chryslercapital.com or by contacting any of our servicing department representatives at XXXX between the hours of XXXX XXXX XXXX XXXX XXXX central time Monday through Friday and XXXX XXXX XXXX XXXX XXXX central time on Saturday this is a recording I do not have ANY affiliation with this company. Maybe they are looking for the person who had this very same phone number that I now have. It is a mistake, and I want them to stop calling me! Ive blocked them, and they still leave messages on my voicemail everyday!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mountain West Financial, LLC
State: CA

Complaint narrative:
I have been trying to get my escrow account corrected for the last 3 months. I am beyond frustrated with Mountain West Financial. They are saying my escrow account is negative {$10000.00} and that is impossible. When I called them I was able to see that they paid my supplemental taxes and they were supposed to refund me the error in payment so I can correct it and this is still ongoing and now my payment has gone up from XXXX, down to XXXX and is not at XXXX No one can tell me why this is happening and today was the last straw as their servicing department hung up on me. I don't feel that it is fair that their poor accounting has rendered my escrow account to be negative and is now increasing my payment by over {$1000.00}. I can not afford an additional {$1000.00} a month and this could possible affect my ability to make my payments and could result in me losing my home to foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Dyck-O'Neal, Inc.
State: KY

Complaint narrative:
I received a notice from a debt collector company called Dyck O'Neal, that in XXXX I used a XXXX XXXX XXXX loan through XXXX. I am being notified that on this date ( XX/XX/XXXX ) that I had not paid on that loan through XXXX XXXX, not XXXX XXXX. But, I contacted XXXX XXXX and they said there is an underwriting problem because the mortgage had been transferred so many times and we still own the home. 

I contacted HUD and spoke with a lawyer then I contacted the debt company and tried to explain who is trying to collect because the papers said it was from XXXX and it was applied to the mortgage. Dyck O'Neal told me it was an unsecured debt, but XXXX XXXX told me it was a secured debt. 

I had to take part in the housing crisis of XXXX and I needed to acquire that loan in XXXX of XXXX with XXXXXXXX XXXX XXXXXXXX. 

Please help because no one can find the paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 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: FL

Complaint narrative:
I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts. 15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. These accounts were opened fraudulently : Disputed Accounts : XXXX XXXX XXXX Account # XXXX Address : XXXX XXXX BIG XXXX XXXX XXXX XXXX, MICHIGAN XXXX BALANCE : {$1000.00} XXXX XXXX Account # XXXX Address XXXX XXXX XXXX XXXX, TEXAS XXXX BALANCE : {$3000.00} XXXX XXXX XXXX Account # XXXX Address : XXXX XXXX XXXX XXXX, IL XXXX BALANCE : {$32000.00}

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 2022-10-11 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: FL

Complaint narrative:
I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), XXXX XXXX XXXX XXXX, that you investigate these accounts. XXXX XXXX XXXX section XXXX A. States I have the right to privacy XXXX XXXX XXXX section XXXX A section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. These accounts were opened fraudulently : Disputed Accounts : XXXX XXXX XXXX Account # XXXX Address : XXXX XXXX BIG XXXX XXXX XXXX XXXX, MICHIGAN XXXX BALANCE : {$1000.00} XXXX XXXX Account # XXXX Address XXXX XXXX XXXX XXXX, TEXAS XXXX BALANCE : {$3000.00} XXXX XXXX XXXX Account # XXXX Address : XXXX XXXX XXXX XXXX, IL XXXX BALANCE : {$32000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 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: SC

Complaint narrative:
This agency XXXX XXXX has been inaccurately reporting different balances to the credit bureaus as well as reporting themselves as an XXXX XXXXXXXX. This misleading information is showing I owe way more than what was agreed on the account. THIS IS A DIRECT VIOLATION of 12 CFR PART 1006 REGULATION F WHICH STATES 1006.18 False, deceptive, or misleading representations or means. ( a ) In general. A debt collector must not use any false, deceptive, or misleading representation or means in connection with the collection of any debt, including, but not limited to, the conduct described in paragraphs ( b ) through ( d ) of this section. 

all three bureau have failed in validating this information which is a violation. Federal law 15 U.S. Code Subchapter III CREDIT REPORTING AGENCIES 1681i - Procedure in case of disputed accuracy states 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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 2022-10-11 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is reporting incorrect information on my reports I phoned in all my payments. when i made my call XX/XX/2020 i was prompted by the automated phone system for COVID RELIEF i would call every month to pay but they said i didn't have to pay and that the payment would just be deferred to a later date and this wouldn't affect my credit. When i found out they were report negatively i PAID OFF THIS ACCOUNT IN FULL. i had no idea they also CHARGE OFF my account in XX/XX/2020 and XXXX XXXX which they did NOT inform they were doing. i would not have let that happen. XXXX broke our agreement The XXXX XXXX. which was signed into law XX/XX/XXXX. XXXX this XXXX amends the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during XXXX XXXX crisis. 

I made an agreement with XXXX XXXX and XXXX for payment relief before i fell behind the XXXX XXXX  Requires that the creditor to report your account as Current and good standings.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is reporting incorrect information on my reports I phoned in all my payments. when i made my call XX/XX/2020 i was prompted by the automated phone system for COVID RELIEF i would call every month to pay but they said i didn't have to pay and that the payment would just be deferred to a later date and this wouldn't affect my credit. When i found out they were report negatively i PAID OFF THIS ACCOUNT IN FULL. i had no idea they also CHARGE OFF my account in XX/XX/2020 and XXXX XXXX which they did NOT inform they were doing. i would not have let that happen. XXXX broke our agreement The XXXX XXXX. which was signed into law XX/XX/XXXX. XXXX this Act amends the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during XXXX XXXX crisis. 

I made an agreement with XXXX XXXX and XXXX for payment relief before i fell behind the XXXX XXXXt Requires that the creditor to report your account as Current and good standings.

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 2022-10-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
1 ) On XXXX XX/XX/2022 I received an invoice from XXXX XXXX of PayPal for {$290.00} for a subscription of XXXX XXXX XXXX. I don't even have an account with PayPal. My wife does. I told her about it, and she immediately called PayPal, and they said that they would take care of it. It is now XXXX XX/XX/2022 and the charges are still on her account. I know this because of the following XXXX ) On XXXX XX/XX/2022, I received an invoice from PayPal for {$780.00} for something unknown. I immediately called PayPal to find out what this was all about. Since I don't have an account with them, it took an extremely long time to get a hold of somebody. I called XXXX and spoke to XXXX who told me that my email address was linked with my wife 's account. I explained to him my problem and after some time, he told me that he would transfer me over to their fraud department. I waited about XXXX minutes on hold, and finally hung up. 

I would have preferred to have emailed them, but they have no email. 

I asked my wife to check her account to see if the {$780.00} was on it, and she said, no, but the charge of {$290.00} was still on her account. 

I would like both of these charges removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 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: FL

Complaint narrative:
The Credit Bureaus stated my account was properly investigated, but how is that possible if the open dates are different, the balances are different on each bureau, one shows closed, other open, and the dates are different, it recently reopen a loan from 2 years ago and more violations. This ground for removal they also violated my rights under : 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

Also neither the bureaus or the company on dispute marked my account " under dispute '' as per FCRA 623 ( a ) ( 3 ) Account disputed : XXXX XXXX Other issues : Violations in my credit report. 

All violations have been circled.

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 2022-10-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
Hello there, on XXXX I purchased a newXXXX XXXX XXXX  XXXX from XXXX XXXX Dealer. The XXXX was not what the Dealer told me. This electric XXXX take more time to charge then I was told, and it not giving XXXX XXXX  for charge, it doesnt work for service company that is on the road all day. We returned back after 2 days, on XXXX. The dealer refuse to return the money, they told me I have a loan with Ally bank that cant be cancelled. The only option is to take another vehicle. I chose a XXXX XXXXXXXXXXXX XXXX XXXX and they told me it will be with the same Ally bank but from7 % wil change to 9 % and is what the bank decide not us. After one month I want to pay the loan. Ally bank doesnt have any information about the XXXX XXXX, they have my first loan for XXXX XXXX. Ally bank sent me a letter that the XXXX XXXX XXXX financing was never approved. Ally want me to pay for The XXXX that I dont have. Ally told me to call the Dealer and inform them about this situation, they never responded to me or called back. I sent another email to the Dealer, I am still waiting. I have the XXXX XXXX XXXX that never was sold to me. Please help me with this problem, I really dont know what is the next step. 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 2022-10-11 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: DISCOVER BANK
State: VA

Complaint narrative:
I started disputing this information in XXXX regarding these two companies discover and XXXX XXXX. I fill out every form the companies sent to me from the fraud department to a police report back in XXXX. Id also requested a copy of the applications that was submitted by me since this account was supposedly open in XXXX the company was still actively doing paper work for new account. I havent received a copy of the the request paperwork information regarding the credit application from the company. These account is showing a balance and a past due amount for many years this company continues to bully and harass me with this relentless negative information on my credit report which is affecting my family and personal lively hood to get good paying job and a decent place for me and family to live. This is a constant reminder of how the company treat XXXX and XXXX people who work hard and want a fair share in life.

Company response to consumer: Closed with explanation