vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-27 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: MD

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX-XXXX  - Balance : {$6200.00} XXXX XXXX-XXXX - Balance : {$450.00} XXXX XXXX-XXXX  - Balance : {$11000.00} XXXX-XXXX-XXXX  - Balance : {$450.00} XXXX XXXX XXXX-XXXX  - Balance : {$460.00} XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX ) XXXX - Balance : {$110.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX - Balance : {$110.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX - Balance : {$250.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX - Balance : {$110.00} XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX ) XXXX - Balance : {$110.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX - Balance : {$860.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) -XXXX - Balance : {$110.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX - Balance : {$110.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX - Balance : {$120.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX - Balance : {$300.00} XXXX XXXX XXXX ( Original Creditor : TH XXXX XXXX XXXX ) -XXXX - Balance : {$100.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) -XXXX - Balance : {$110.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX - Balance : {$120.00} XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX - Balance : {$120.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) -XXXX - Balance : {$0.00} ( Original Creditor : Medical ) XXXX - Balance : {$25.00} ( Original Creditor : Medical ) XXXX - Balance : {$25.00} ( Original Creditor : Medical ) XXXX - Balance : {$25.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
XX/XX/2021 bank of America cashpay government card claims they put the XXXX on my account but i never received the money and on XX/XX/2021 the claim that they put XXXX on my new account but i never got it bc the sent both payments to my old card witch was stolen from me and i had the card closed and got a new card but they didn't send it to the new card they sent it to the old card and need both my payments

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 2021-08-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have inquires that I did not authorize at all I called all 3 credit burial and the only company that was able to help me was XXXX  that disputed 20 inquires and the confirmation is # XXXX. I explained to TransUnion and XXXX  how I can get it deleted and they told me that I had to call each company and ask for a deletion form for the unauthorized inquires but when i started calling the company 's 4 of them told me that they have no record of anyone trying to apply such as XXXX XXXX I spoke to a XXXX Id number XXXX and he assured me that no-one has tried to apply for a credit card with my social so when I call back both credit beau they told me to go to XXXX then when i needed help filling out form I called and they told me that I had to contact you guys. I have not applied for a credit card or loan in almost 2 years I only have 2 credit cards and I still have open accounts from them. I tried to put a fraud protection which I thought I had for 2 years and noticed all these inquires on my report last week I only check my report once a year because its free. I've had a police report when my purse got stolen from my car 4 years ago and I'm not sure if its the same people applying for credit cards under my name thinking they can get approved. Transunion and XXXX  have over 22 hard inquires that I did not approve of. I just want them to be removed from my account its not fair that I am trying to fix my credit and someone just keeps using it. I will add all the inquires that i did not authorize down below and upload a copy. 
XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX AND XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX & XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ank XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX AND XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX AND XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX SOME OF THESE INQUIRE ARE MULIPLE TIMES

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 2021-08-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: TN

Complaint narrative:
This is my rebuttal on the response sent by Credit Collection Services on XX/XX/2021 for Report # XXXX. I was amicable in the first complaint, now I am going to be extremely blunt as it is clear that you either did not take the time to read any of the letters I mailed to you previously, or you don't have comprehension skills.

Let me be very clear so that I will repeat in clear terms what I said in my last complaint.

1. I told you that I am not negotiating with you as I tried this with you just to end this headache with you illegally reporting a debt I do not owe you on my credit reports. Not only did you not reply to my offer, but you sent me a bill acting as if I owe you anything.

2. You never sent me proof that I owe you anything. A bill from XXXX is not evidence that I owe you anything. I requested several times that you provide a written and signed contract showing that I agreed to pay you, Credit Collection Services on any debt. 3. I requested your license showing that you have a right to collect in my state.
4. Lastly, you never wrote me letting me know that you were reporting this debt ( which I do not owe YOU ) on my credit reports.

5. I do not recall signing a contract with any company authorizing them to sell any of my personal information to a third party. Where is that signed consent?

So in a nutshell, hopefully you or someone is actually reading this, as well as the attachments I included and doing the right thing by deleting this reporting from my credit reports. In addition, according to FDCPA and FCRA, by law, you are mandated to DELETE a debt that is being disputed until you can provide evidence that a person owes the debt that is being reported to destroy a person 's credit worthiness. If you do not delete this account within the next 30 days, the next person you will be communicating with is my lawyer. You will have to present yourself in court in my state, providing the information I requested from you several times, which you have not submitted after all of my disputes. Know that I will pursue you for {$1000.00} per violation, including the distress you are causing me with this matter and tainting my credit reports. This will be my final attempt to resolve this with you through the CFPB before I escalate this matter.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
They stopped for awhile with calling me, so I dont remember dates. Ive had dealings with portfolio recovery before and have asked them to only contact me by phone, in writing as required. Ive informed a few of the people I have spoken to that they shouldnt be contacting me by phone and that if it continues I will file a complaint. The last call I got was from ( XXXX ) XXXX Wednesday XX/XX/XXXX at XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-27 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Medical Data Systems, Inc.
State: IL

Complaint narrative:
I keep receiving calls from Medical revenue services from phone number XXXX asking for someone else. I have told them that the numbee they are calling does not belong to that person and they have continued to call. I was called on XXXX at XXXX, on XXXX at XXXX, and XXXX at XXXX. When I told them to quit calling this last time or I would report them, the woman on the phone said " Who are you going to report us to? There is no one. Bye '' and hung up.

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 2021-08-27 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: First Advantage LNS Inc.
State: SC

Complaint narrative:
This debt was discharged in a chapter XXXX bankruptcy in XX/XX/2017 for {$4600.00}. The original creditor was XXXX XXXX XXXX ( aka XXXX XXXX ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mortgage Research Center, LLC
State: VA

Complaint narrative:
We wired a payment to Principal on our Mortgage for XXXX XXXX in the amount of {$7300.00} to XXXX XXXX on XX/XX/XXXX. XXXX XXXX did not apply {$7300.00} to Principal. Instead, VU divided that payment into 15 single principle and interest payments between XX/XX/XXXX and XX/XX/XXXX labeled as Monthly Payment, Unapplied Funds, or Additional Principal. Around XX/XX/XXXX, we found out the XX/XX/XXXX payment to Principal of {$7300.00} had not been applied to the Principal Balance because we had to do a call regarding a Refi on our Mortgage. As of today, XX/XX/XXXX, this major issue still has not been corrected. 
We have contacted XXXX XXXX numerous times. Our mortgage rep., XXXX XXXX, who has been excellent, opened several cases all of which have been escalated but to no avail. Whats worse, in the meantime, our Principal Balance on our Mortgage is far more than it should be, and we continue to pay higher interest payments, as a result of this grave error. This has been going on for 5 months, its unbelievable. One is left with the impression, that if our last name would have been XXXX, this problem would have never occurred. 
It does not take a month to resolve this issue. The payment mistakes are easy to see in our payment history and need to be reversed immediately into the Principal payment and apply as of XX/XX/XXXX. I will also include a screenshot of the incredible mess they caused. The interest charged on a higher principal needs to be credited to us immediately. And at the very least, a written public apology from the CEO must be issued. We are left with no other conclusion but that XXXX XXXX is oblivious to the impact its grave error has had on an XXXX XXXX XXXX family that has to move every 2 years or worse it is fine with our plight.

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 2021-08-27 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:
Hello I reach out several times to receive the same generic answer that the accounts has been verified and accurate how can they be when they are reporting inaccurate information. Under FCRA all information must be true and accurate if not it must be deleted from my credit file immediately and send me a updated version of my credit report. 

XXXX XXXX XXXX ) is a charge off account from my understanding a charge off account should not have a past due balance ( XXXX XXXX ) is a charge off account from my understanding a charge off account should not have a past due balance reporting ( XXXX XXXX XXXX XXXX ) is a charge off account which has been sold to a collection agency and reporting a credit limit on a closed credit card 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 2021-08-27 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been reporting these fraudulent inquires to Equifax for months now. I sent certified letters with documentation and FTC reports, Police reports and other evidence and Equifax has refused to remove these fraudulent inquires from my credit. They are costing me time, most for certified mail, and XXXX  XXXX as these fraudulent inquires are interfering with my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
On XXXX XXXX I was charged {$9300.00} by PayPal due to a ; Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation ;. 
When I spoke to a manager they seemed like they didn't care and they told me there is nothing to be done. 

1- PayPal allegations are false as they are not a partner with my business and they don't know the nature of my business. Copyright infringements and trademark violations stated by PayPal are nonexistent. 
2- PayPal failed to provide a valid court order or a copyright/trademark infringement complaint to justify how they unlawfully seized my money. 
3- All disputes with my clients have been already resolved and the remaining balance was my hard earned money. 
4- My business activities were allowed under the law, the service I provide is legal. There is no law that prohibit the service provided to my customers. 
5- PayPal debited random amount from my balance that doesn't represent any genuine pre-estimate of loss or damages. Under the common law, liquidated damages may not be set so high that they are penalty clauses rather than fair compensation. 
6- PayPal user agreement stated liquidated damages at {$2500.00} USD per violation and not per transaction. PayPal actions are considered a breach of their own agreements as they stole all my hard earned money and made my balance reached XXXX 
7- I believe that I was deceived by PayPal as they failed to provide the payment service promised taking advantage of me as their customer to steal my money in a clear case of unjust enrichment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 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: NY

Complaint narrative:
the following accounts appear on my credit report, without any authorization, they do not belong to me, they are hurting me Identity Theft DISCOVER FIN SVCS LLC Account Number : XXXX This is not mine. 

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

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

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

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

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

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: AZ

Complaint narrative:
HSBC IS APPLYING CREDITS FROM MY ACTIVE CARD TO A CLOSED ACCOUNT. THEY FIRST OF ALL CHARGED ME {$79.00} ON TWO DIFFERENT INSTANCES OF {$39.00}, ONCE ON XXXXAND AGAIN ON XX/XX/20. I ASKED THEM TO APPLY TO APPLY TO AS A CREDIT ON THE ACTIVE CARD THAT ENDS IN XXXX. INSTEAD THEY APPLIED TO ACCOUNT THAT IS CLOSED THAT ENDS IN XXXX, I WANT THE {$79.00} APPLIED ON NEW CARD ( XXXX ) AS A CREDIT OR SEND ME A CHECK

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
someone stolen my identity to obtain credit cards fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
I requested a cease and desist instead they made it a dispute and contacted the credit bureaus to label it as a dispute, in which is a direct violation of my cease and desist request! As TSI is using a medium of indirect communication, communicating indirectly to third parties is a indirect form of communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
I asked Pennymac for a loan modification. They denied me and then sent me a letter stating that i needed to pay and additional XXXX dollars on top of the XXXX i already pay. They said if i dont agree, they will start the foreclosure process. I only take home XXXX a month. I have no idea where this is coming from. I sent them 2 pay stubs and 1 one them had a large commission amount on it, which i used to pay off all of my CCrds. I was in forbearance last year due to covid. They must think that the commission i received was part of my normal salary. i need help. I dont know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 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: DISCOVER BANK
State: CA

Complaint narrative:
DISCOVER FINANCIAL SERVICES XXXX XXXX XXXX XXXX XXXX, DE XXXX Discover wrongly submitted a HARD INQUIRY to the 3 major Credit Bureaus. 

I contacted them directly, they said they were in error but were not able to issue a Notification of Removal

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-27 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have inquires that I did not authorize at all I called all 3 credit burial and the only company that was able to help me was Equifax that disputed 20 inquires and the confirmation is # XXXX. I explained to XXXX  and XXXX  how I can get it deleted and they told me that I had to call each company and ask for a deletion form for the unauthorized inquires but when i started calling the company 's 4 of them told me that they have no record of anyone trying to apply such as XXXX  XXXX I spoke to a XXXX Id number XXXX and he assured me that no-one has tried to apply for a credit card with my social so when I call back both credit beau they told me to go to idnetifythefty.gov then when i needed help filling out form I called and they told me that I had to contact you guys. I have not applied for a credit card or loan in almost 2 years I only have 2 credit cards and I still have open accounts from them. I tried to put a fraud protection which I thought I had for 2 years and noticed all these inquires on my report last week I only check my report once a year because its free. I've had a police report when my purse got stolen from my car 4 years ago and I'm not sure if its the same people applying for credit cards under my name thinking they can get approved. XXXX  and XXXX  have over 22 hard inquires that I did not approve of. I just want them to be removed from my account its not fair that I am trying to fix my credit and someone just keeps using it. I will add all the inquires that i did not authorize down below and upload a copy. 
1.XXXX  XXXX XX/XX/XXXX & XX/XX/XXXX 2.XXXX XXXX XXXX/XXXX  XX/XX/XXXX 3.XXXX XXXX XXXX XX/XX/XXXX AND XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5.XXXX/XXXX  XX/XX/XXXX & XX/XX/XXXX 6.XXXX XXXX/XXXX XXXX XX/XX/XXXX & XX/XX/XXXX 7.XXXX XXXX XXXX XX/XX/XXXX 8.XXXX XXXX  XX/XX/XXXX 9.XXXX/XXXX  XXXX  XX/XX/XXXX 10.XXXX  XXXX XX/XX/XXXX AND XX/XX/XXXX 11.XXXX/XXXX XXXX/XXXX  XX/XX/XXXX 12.XXXX XXXX XXXX XX/XX/XXXX 13.XXXX  XXXX XX/XX/XXXX 14.XXXX  XX/XX/XXXX AND XXXX 15.XXXX XXXX  XXXX XX/XX/XXXX 16.XXXX  XXXX XXXX  XX/XX/XXXX AND XX/XX/XXXX 17.XXXX/XXXX XXXX XX/XX/XXXX 18.XXXX  XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 19.XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 20.XXXX XXXX XX/XX/XXXX XX/XX/XXXX SOME OF THESE INQUIRE ARE MULIPLE TIMES

Company response to consumer: Closed with explanation