vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-15 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: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
LVNV FUnding had placed an account on my credit reports which I settled. They then turned around and placed an open account on my credit reports after the settlement. I have no account with them and the accounts are settled. The inaccurate accounts that are being reported should be removed immediately from the major credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15 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: NM

Complaint narrative:
I went to check my credit report and they had disputed stuff that I didnt dispute and called to ask the credit repair company if they disputed those items and they did not and would not dispute those because they do not dispute positive items. I believe this was done in retaliation for the last complaint and would like to talk to a manager. Because since last complaint they still are reporting incorrect information like they are reporting XXXX XXXX  as correct these were placed in bankruptcy and they are still reporting it as if it is active. Now this is getting crazy why would I dispute positive information to increase my score. I will give my sign in information so that it can be looked at. They are really trying hard to not remove anything while the others have removed the very thing I have disputed then added a new account thT they say is mine such as XXXX XXXX that was opened this year. I have not used XXXX XXXX at all this year and disputed it and they stated they are looking into it I know this is fraudulent activity in their part. They are disputing all the new credit XXXX the positive ) I have against me. I want the disputed on my new information taken off immediately and I want to talk to a manager.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15 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: AR

Complaint narrative:
I paid of a collection on XX/XX/2019. Filed a dispute with TransUnion and the other bureaus on XXXX thinking that it would move it along faster, but the collection agency filed the " notice to delete '' on XXXX also. But, apparently, when a dispute is filed, all information received is ignored unless it is sent thru the XXXX system. The information has been there for almost 2 weeks and the bureau ( unlike the other 2 bureaus who had it cleared by XX/XX/19 )  has still not changed the file to reflect the paid off collection. However, when I look at the TransUnion website, it shows to have come off but my score tanked, and when my bank tries to get my score, it still shows. This company also has no one in the office that can help at all. There customer service seems to be outsourced to somewhere overseas because you can barely understand 90 % of the agents that you get on the phone. I have called multiple times and had no luck getting anyone that could help me with this issue, they all give me the same story that they can ONLY accept information thru the XXXX system after a dispute has been filed. If that is the case, their system is flawed and needs to be changed. They also refuse to accept any documentation from me that is not sent by ground mail. It is unfair to anyone to require them to send info that they have to correct an issue by mail when they can send it immediately by fax or email. The dispute would be settled by lack of response within 30 days before they ever looked at any items that are sent by ground mail.

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 2019-05-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
Today, XX/XX/2019 I signed into my Mr. Cooper account to make my monthly payment. I am actually one month ahead on my mortgage payments and should be due for XX/XX/2019. This is due to all of the additional payments that I have sent in since the beginning of the year. 

I have called numerous times and was told that the matter would be corrected. It was briefly updated to show that I was due for the XXXX   payment which I signed in to pay. Now it is showing due for XX/XX/2019 AGAIN. I have technically already paid XXXX, XXXX, XXXX, XXXX, and XXXX. 

I can not afford to pay XXXX  and XXXX  again. I am very upset and do not know what is going on. This is a major error and should be corrected again. 

Please help as I have contacted Mr. Cooper numerous times and no one ever knows what is going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have been attempting to repair my credit for more than ten years. I recently paid a credit account in full and the credit reporting agencies in light of this information took from one to 50 points OFF my score instead of adding points to my score. Account reference is XXXX XXXX   indicating charge off /collection/write off - other, which now has a XXXX balance. I am well aware of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and my state laws so I hope to save both of us a great deal of time by letting you know that not only do I dispute the validity of the fair reporting, I have also checked with my State Attorney General and verified that this reporting is in violation of my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have been attempting to repair my credit for more than ten years. I recently paid a credit account in full and the credit reporting agencies in light of this information took from one to 50 points OFF my score instead of adding points to my score. Account reference is XXXXXXXX XXXX indicating charge off /collection/write off - other, which now has a XXXX balance. I am well aware of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and my state laws so I hope to save both of us a great deal of time by letting you know that not only do I dispute the validity of the fair reporting, I have also checked with my State Attorney General and verified that this reporting is in violation of my rights as a 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 2019-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have been attempting to repair my credit for more than ten years. I recently paid a credit account in full and the credit reporting agencies in light of this information took from one to 50 points OFF my score instead of adding points to my score. Account reference is XXXX XXXX indicating charge off /collection/write off - other, which now has a zero balance. I am well aware of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and my state laws so I hope to save both of us a great deal of time by letting you know that not only do I dispute the validity of the fair reporting, I have also checked with my State Attorney General and verified that this reporting is in violation of my rights as a 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 2019-05-15 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: BBVA FINANCIAL CORPORATION
State: FL

Complaint narrative:
I had 6 fraudulent charges on my card on XX/XX/19. These happened during the day while I was at work and while I still had the card in my possession. BBVA reversed 4 of the charges but arbitrarily determined two of the charges to XXXX XXXX # XXXX in the amounts of {$100.00} and {$110.00} were legitimate. I was given no reason for this decision. I did not receive any proof of investigation. 

I believe this happened because I was honest in the initial interview and said I had shopped at a XXXX XXXX on XX/XX/XXXX. However, I shopped at store # XXXX ( a different store ), I did not use the BBVA card, I used my XXXX XXXX card, and the amount was {$160.00}, which does not match the amount above. I have both the receipt and credit card statement to back up these claims. I also have 20+ co-workers who can tell you I never left my office on XX/XX/19 when the disputed charges occurred.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC
State: AR

Complaint narrative:
At the end of XX/XX/2019, I received a letter in the mail from Ability Recovery Service attempting to collect a debt, from XXXX XXXX   for {$4300.00}, that does not belong to me. I never attended this school. This makes the second time that they have tried to collect on fraudulent debt. I sent them a police report a few months ago stating that my identity was stolen and they are now trying again but on a different account. Their letter clearly states that I have 30 days after receiving the letter to dispute the debt in writing. Their letter was dated for XX/XX/2019 and I received it a few days afterwards, however they went ahead and placed the item on my credit report before the 30 days are up. Today is XX/XX/XXXX and it was placed on my credit between XX/XX/2019 and XX/XX/2019. That is not 30 days. I did dispute the letter in writing that will arrive to them on tomorrow XX/XX/2019 ( delivery confirmation included ). I also left a message with XXXX XXXX at XXXX. I have not heard back from her. I called again on today XX/XX/2019 at XXXX cst and spoke with a representative that would not provide his name. Placing this item on my credit before receiving my dispute and before the 30 day deadline is very unprofessional and underhanded. Add this to them collecting on a fraudulent account is a recipe for disaster for any consumer. I am in the middle of buying a home and this wrongful action by XXXX XXXX XXXX, XXXX has dropped my scores drastically.

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 2019-05-15 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
State: ME

Complaint narrative:
I am asking PayPal to close my account, they refuse to do so and are holding my funds and not allowing me access to them. on XX/XX/2019 they said they " can not close an account with a balance '' And keep trying to get me to use paid services in order to access my funds. I want my account closed ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15 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: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
Chrysler Capital is in violation of my credit reporting. I have two leases with Chrysler Capital, one for a XXXX XXXX Account # XXXX and the second is for a XXXX XXXX Pick Up Account # XXXX. 
I have been in contact with Chrysler Capital many times over the past few months relating to my accounts. I have paid my accounts though XXXX XXXX and online. In particular my XXXX and XXXX payments including other payments not registering leaving my accounts to appear incorrect. In a recorded conversation in XXXX I was informed that my payments had been returned to the bank therefor I was two months behind. I called my bank and it was shown in a bank statement that both XXXX and XXXX payments went through. In a recorded conversation I phoned Chrysler Capital back and informed them of such and after further research I was told that both payments had been transferred from the XXXX to the XXXX without my consent. To rectify in the most simplest manner I explained to Chrysler Capital to only move the XXXX payment back to the XXXX. I was told to check back in five business days to confirm all was done. In the meantime within the five days I received a notice to repossess my vehicle for non payment. In a recorded conversation on XX/XX/2019 I was told that there never was a transfer and to disregard the notice to repossess a they were going to audit both accounts to see what the final payment is on the XXXX and where I am at with the XXXX because there was imminence confusion verbally and in the account. 
On XX/XX/2019 the very next day I received a notification that my credit score had gone down 67 points!!! When I inquired with XXXX XXXX it was the reporting of the XXXX account by Chrysler Capital. It would have been paid in full had the correct amount been posted however I could not get a verified answer in any of my phone calls. 

After logging in today I see that the accounts STILL HAVE NOT been corrected and I have no choice but to file with CFPB including my local State Senator to take action. The result of Chrysler Capitals incompatibility has place m at jeopardy fr loosing my job, not able to take out a college loan for my son reflecting the tremendous amount of points that my score has gone down ( 67 ). 

We are a family of XXXX with XXXX young boys and need our jobs for health benefits as well as surviving basic needs. The vehicle has since been returned to the dealer and Chrysler 's rush to damage my credit report before offering me the ability in a timely manner to bring this account current was a poor business decision and in violation of my rights. I have been contacting Chrysler to make every attempt to clear matters up and still have not received an appropriate outcome.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-15 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: GA

Complaint narrative:
I would like to add my contact telephone number to my credit file : My telephone number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15 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: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: GA

Complaint narrative:
Your company put a fraudulent credit inquiry on my XXXX credit file, and now, you all are standing behind this miscarriage of justice. Your company has called me a liar. As a XXXX and a lifetime member with the XXXX, I am ready to fight for my rights. 

Your company had the impudence and the unmitigated gall to be slick at the mouth, and I am forced to do this. Your company had used XXXX undertones when I called your company from a different number. I have no other choice but go on the offense. 

I am in the process of initiating an all-out boycott against your company. I have reached out to XXXX. XXXX  XXXX ( XXXX XXXX XXXX ), XXXX. XXXX XXXX, and my local chapter, XXXX XXXX XXXX, ( XXXX XXXX & XXXX XXXX ) XXXX ( XXXX XXXX ), and XXXX. 

Your company will hate you all attacked a Veteran and compound the problems with XXXX and prejudiced undertones. You think this boycott will not work because you all hardly patronage with XXXX, and your company has a high disregard for my people. I will make you all regret this foolish and XXXX decision. 

You will have grief for your proud, superficial, and untrustworthy idioms. I have set up another email that truly represents your company. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Pangaea International Receivable Services Inc.
State: FL

Complaint narrative:
we asked the XXXX XXXX have our company name ( XXXX XXXX XXXX ) in their system and get everything ready for when our company start ruining we dont have to waste time on marketing time and setting up. They told us over the phone is one payment of approximately {$380.00} dollar and we asked them to just add us in their database and not start any campaign or marketing and after few months we realize they are taking money out of our account with out our permission and we called the bank and got our money back. We had no contract with them what so ever and we only agree to one payment of which was approximate {$380.00} dollar which we paid them. after we find out they are scamming us i contact the agent and i kept all the emails back and forth and he say that their department made mistake and dont worry about it. and they still send it to collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I would like to add my contact telephone number to my credit file : My telephone number is 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 2019-05-15 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I would like to add my contact telephone number to my credit file : My telephone number is 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 2019-05-15 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: TX

Complaint narrative:
I have submitted sufficient proof that this account is not valid and that I am not liable. I have a letter from the actual collection company stating that the I am not liable for the debt. After " investigating '', Experian still refuses to remove the negative information stating that the account has been updated. I am including the letter from the collection agency that clears me from this debt, as well as my before and after investigation results. This is a violation.

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 2019-05-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Outsource Group, Inc
State: TX

Complaint narrative:
There is a debt on all 3 of my credit reports. I seen this on XX/XX/XXXX that it was reported on XX/XX/XXXX in the amount of {$850.00}. Account number is XXXX. 
I was not aware of this debt first. Never received anything from the collection company nor the original debtor. Also, I do not know or have any ties to this collection agency. Another thing, I was never seen at the original organization that this debt is claiming to be. By law, you can't report any debt without notifying the consumer first. This is also a HIPAA violation by medical law. Because I did not give the right to any collection agency to have my information disclosed. That is private and confidential information, anything pertaining to me is private and was not to be shared with a collection agency or any other agency. I have contacted my attorney regarding this collection agency who is trying to damage my credit illegally and against the original creditor for selling my information to them. When a person signs a HIPPA form, it's for this reason right here. And it has been violated by law.

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 2019-05-15 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: VA

Complaint narrative:
I received a call didnt recognize the number so I contacted the number back. I verified my name and phone but the representative REFUSED to tell me why they were calling wanted me to verify my social and date of birth or address told her I was comfortable verifying that information until I knew why they were calling she said she just needed to me verify my address. I verified but she then said she had to have my social and date of birth told her I didnt want to verify that information until I knew why they were calling she again refused. I told her to contact my attorney she said she couldnt take that information that she would ha XXXX to call my back. Her name was XXXX XXXX.

Company response to consumer: Closed with explanation