vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-08 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: AMERISAVE MORTGAGE CORPORATION
State: TX

Complaint narrative:
On XX/XX/2021 XXXXAmerisave Mortgage Corp, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IA ( and other addresses ) placed a hard inquiry on my XXXX XXXX and XXXX  credit bureau records. I have not done business with this company, applied for employment with this company or applied for a mortgage with them. I do not currently hold a mortgage with them or any other mortgage company. I have not applied for a mortage with in the last two years with any other mortgage company.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: IL

Complaint narrative:
On XX/XX/XXXX I received a letter from a private student loan debt collector claiming that I have not paid my loan but I have been making payments despite my account with them showing no payment is due. I am currently in graduate school and should be making student loans and the global pandemic of Covid 19 protects borrowers from making payments during this time. My loan amount is also significantly lower than the amount they are saying I owe. My current loan amount is {$620.00} and they are saying my balance is {$1300.00}. 

My account loan number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XX/XX/2020 I went to pay the down payment for my home to an XXXX XXXX who was part of a title company for the house I was going to buy in another state. Her title company was called XXXX XXXX XXXX XXXX XXXX IN XXXX XXXX. Someone else was emailing me using XXXX title and header to get me to send the same amount to a wire transfer the same way that XXXX asked me to do the same. 

Bank name XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX Account number XXXX Holders name XXXX XXXX Home address XXXX XXXX  XXXX XXXX XXXX XXXX XXXX do XXXX I did a report email to the fbi fraud department, I called and emailed chase. Chase was no help and Im emailing you guys now

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Bureau of the Hudson Valley, Inc.
State: CO

Complaint narrative:
These collections were placed on my credit report and I have no recollection of them. No one contacted me to try and resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This was removed from my report and add back after a couple of days and they can not do that and it affected my credit scores

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 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: NJ

Complaint narrative:
I have Challenge a account XXXX XXXX XXXX XXXX on my Experian credit bureau, after there investigation multiple times it keep coming back verified with the issue still there after I told them do delete the account for inaccuracy

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have Challenge a account ( XXXX XXXX ) on my XXXX  credit bureau, after there investigation multiple times it keep coming back verified with the issue still there after I told them do delete the account for inaccuracy

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 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: NJ

Complaint narrative:
I have Challenge a account ( XXXX XXXX ) on my XXXX credit bureau, after there investigation multiple times it keep coming back verified with the issue still there after I told them do delete the account for inaccuracy

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 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:
I have an incorrect student loan reporting on my credit. My credit report shows that O 120+ days late on payments to XXXX XXXX  XXXX I have a XXXX balance with XXXX University, and have never been late. I have a letter from XXXX XXXX stating that I have a XXXX balance with XXXXXXXX XXXX, and have uploaded and supplied this several times to all of the credit reporting agencies. I have disputed this account several times. The credit bureaus - especially Experian - find no change to report. This is now updating monthly on my credit report, continually dropping my score. Also because of this account I have been denied most credit lines I have applied for, and the ones I was able to secure have charged me higher rates because of this incorrect account. XXXXXXXX XXXX also lost a fraud lawsuit by the FTC, in which students such as myself were found to be victims of false advertising, and were reimbursed or had loans cancelled, yet all of my student loans - which were all for XXXXXXXX XXXX  - are still being reported as currently owed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 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:
I am having a hard time getting approved for credit it has been brought to my attention there there are accounts showing on my credit provide with negative reporting. The negative accounts on my credit account does not belong to me and I have never opened these accounts. I am being told I need to follow these steps in order to have these account removed from my credit profile

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am having a hard time getting approved for credit it has been brought to my attention there there are accounts showing on my credit provide with negative reporting. The negative accounts on my credit account does not belong to me and I have never opened these accounts. I am being told I need to follow these steps in order to have these account removed from my credit profile

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 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 — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP
State: VA

Complaint narrative:
US Bank allowed 3 charges to be made by XXXX XXXX XXXX in the amount of {$62.00} each for a contract that was not renewed. In addition the charges were made on an expired credit card. I contacted the bank and sent them proof these were unauthorized charges but they refuse to remove the charges. In addition they have now charged me an additional {$29.00} as a late payment charge for not paying the fraudulent charges.

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 monetary relief
Consumer complaint received 2021-03-08 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: GA

Complaint narrative:
I have no knowledge of any of these accounts due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA605B this information must be blocked immediately until the investigation is over.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: USI Solutions Inc.
State: NV

Complaint narrative:
On XX/XX/2021 I received a letter from XXXX XXXX XXXX stating that I owed an outstanding debt of {$10000.00} and and claimed for a discounted offer for {$2600.00}. The company claims this debt was due from XXXX XXXX and USI Solutions. I checked my credit score on XXXX  XXXX XXXX, XXXX  and XXXX and there are no current collections from this company. I have never received a phone Call or any previous notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 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: GA

Complaint narrative:
I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA605B this information must be blocked immediately until the investigation is over.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 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: MO

Complaint narrative:
On XX/XX/2021, I sent XXXX and Equifax letters disputing inaccurate and adverse items on my credit report. There negligence has caused me harm, since it has affected my ability to obtain new credit. 
Under the Fair Credit Reporting Act 15 USC 1681i ( 5 ) ( A ), they had 45 days from receipt of my letter to respond to my request for reverification of the erroneous items. Since I have not received a reply from them within 45 days, the information was either inaccurate or could not be reverified, thus according to provisions 15 USC section 1681i ( a ), the items must be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: CA

Complaint narrative:
Us bank closed my account then reopened to steal government funds from me. Bank would issue credit then reverse. I need final statements.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Synergetic Communication Inc
State: NV

Complaint narrative:
On XX/XX/2021 I received a letter from Synergetic communications inc stating that I owed an outstanding debt of {$10000.00} and and claimed for a discounted offer for {$2600.00}. The company claims this debt was due from XXXX XXXX and XXXX XXXX. I checked my credit score on XXXX, XXXX XXXX, XXXX and XXXX and there are no current collections from this company. I have never received a phone Call or any previous notice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
XX/XX/XXXX : Paypal limits my account with a balance of {$8200.00} USD - no funds can move in or out of the account. They ask me for various documents to confirm the identity of my person and business, as well as information on some transactions which I immediately provide in full. XX/XX/XXXX : Paypal denies my documents and explanations describing the products/services and states it can not be accepted. My account remains locked and I still don't have access to my funds. I am sent the following form reply : " At this time, the limitation on your PayPal account can not be removed until the below issues are resolved.

To help us resolve this, you will need to : - Describe the products and/or services associated with your PayPal transactions. 
Please refer to : - Transaction XXXX from XX/XX/XXXX for the amount of $ XXXX - Transaction XXXX from XX/XX/XXXX for the amount of $ XXXX - Transaction XXXX from XX/XX/XXXX for the amount of $ XXXX In response to this, I send in the requested info again, with descriptions and links to the highest level of detail possible. I also call Paypal 's phone line asking why my responses are being denied and what I can be doing to rectify the situation. They tell me they don't have a way to contact the compliance department responsible for making the decision, and tell me the best they can do is to make an educated guess about what they might want. Upon asking for a way to reach the compliance people myself, they tell me that they do not accept customer phone calls and will only accept communication and documents uploaded directly to PayPal. 

XX/XX/XXXX : Through email, Paypal informs once again they can not accept my responses and the limitation on my account can not be removed. My account remains locked and I still don't have access to my funds. I have repeatedly offered different explanations, documents, and screenshots 4 times, yet Paypal only sends automatic robot responses saying the limitations on my account are here to stay and that my responses were not good enough with no further explanation. They are holding my funds hostage.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
XX/XX/2016 I went to XXXXXXXX XXXX for lXXXX XXXX XXXX under my XXXX. I was told about the program at that point 1 session was done. When that session was over I inquired why I still had the XXXX hairs on my XXXX I was told laser or remove XXXX hairs, and for the XXXX hairs I would have to purchase another plan on top of this plan I advised agent no I do not want to do that because as you can see 90 % of the hair on my XXXX are XXXX, so when I advised her she is now trying to get more money from me know it would not work I want to cancel the contract and pay for services that was just rendered. I was told I would get a call to make that payment she could not take it. About 2 weeks later I got that call to make a payment for {$130.00} and I paid it never received no more calls then about 6 months later started to reflect on my credit for 5 years I have been contacting them with no response then they sold it to Portfolio Recovery. This has ruined my credit for 5 plus years, and this is very unfair that companies play these games. That is how I know they got the cancellation I was contacted that 1 time paid and never contacted again they just sold it to collection agency. Having facial issues like this is very depressing, and I thought this would be good, but they gave me fraud information to get more money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC.
State: MD

Complaint narrative:
I have talked with the Company and told them that I would be sending them money each month manually as I could ; since there is the Covid era going on and was short in monies to pay each month. 

They would not accept what I was saying ; and proceeded to call me at least three times a day from phone number XXXX to harrass me regarding paying the account. 

I already told them what I could do but they continue to call constantly!!! This is very annoying and rediculous as they should be grown and same people.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have been Unable to file a dispute online with Transunion for a couple of weeks. I have tried with XXXX and often get an error message. When I am directed to Transunion site, I am unable to click the category which prevents me from submitting a online dispute directly on their site. I am often prompted to call or mail. My immediate concern is if I dispute with another credit agency on-line such as XXXX  and/or XXXX, it gives the Creditor with whom I have previously disputed online time to eradicate the information within my credit profile. In addition, since we have been in the pandemic, it takes mail takes longer to receive. Having said that, my credit has and will tank for weeks if not months waiting for a response from Transunion. Consumers should have immediate access to file online disputes with Transunion. This is causing severe hardship for me when seeking employment. Consumers can't afford the luxury of waiting when the Major bureaus get to our disputes and respond. Telephone disputes does not work towards the consumers advantage because I have no record of what was said and can not supply appropriate evidence which puts me in a further disadvantage.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
Unfortunately I lost my phone for like maybe 2 hours until I was able to track it down with find my friends and I noticed there was money sent to someone who I didnt authorize this payment to and I tried requesting it back plenty of times but never got an response back! I need help please

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Collection Resources, Inc.
State: TX

Complaint narrative:
I am choosing to settle this debt with original creditor XXXX XXXX XXXX, I know that its their obligation to assist me with this matter since they are a nonprofit organization they must help please cease and desist all collections activities and stop reporting this mess.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
on XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 48 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report It has been over 48 days so they should be deleted promptly. I demand 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 XXXX date breach and may have gotten into the hands of the wrong person

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