vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
After XXXX XXXX submitted an improper code to the three credit bureaus that indicated my mortgage loan was in a current loan modification status, causing severe and detrimental decreases to my credit scores, they updated late payments from XXXX, XXXX, XXXX that EQUIFAX, XXXX AND XXXX, further decreased my scores. Why the XXXX would these reporting agencies not know that if I had late payments back in XXXX, XXXX, XXXX that they would have already been accounted for in my credit score back when they were late? Instead EQUIFAX and XXXX decreased my scores in XX/XX/XXXX for late payments back in XXXX, XXXX, XXXX. 

I have included a letter from XXXX XXXX  that plainly shows that when they updated the information to try to fix the mess they made when they submitted a code to update a remark, these are not newly added late payments yet Equifax score dropped back down to 690 and XXXX took additional 21 points or so from me. XXXX showed Current/Never late and they took their opportunity to add these XXXX, XXXX, XXXX late payments onto my account. XXXX is a XXXX company that has done everything in their power to destroy what I have worked so hard to build.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I do not have a contract with XXXX XXXX XXXX.They are furnishing false and inaccurate data to Equifax. My dispute with XXXX  on XX/XX/2020 resulted in the inaccurate, false information reported by XXXX being deleted and removed from my report.. However, its still inaccurately being reported at Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 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: NY

Complaint narrative:
I just received my social security number in XX/XX/XXXX and got up to inquiries and accounts opened from XXXX. Informed the CB  that file was mixed and they stated that I needed 30 days to resolve. This has affected my opportunity for employment and when asked for them to produce proof that information was mines they could not.

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 2020-07-02 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: HEARTLAND PAYMENT SYSTEMS INC
State: SC

Complaint narrative:
Account Number : XXXX Original Creditor : XXXX XXXX Amount as Listed on Credit Report : {$560.00} This student loan is from over 8 years ago and was supposed to be paid by my grandparents. In XXXX I realized it was reflecting on my credit and I established a payment agreement of {$50.00} per month to pay off the debt with Heartland ECSI. In XXXX I reached out to Heatland ECSI, the company I made my arrangement with and to whom I had been submitting my monthly payments, to inquire about any possible settlement offer to pay the balance in full. I was told I needed to contact the company that owned the loan XXXX XXXX and was given a number to reach them. When I called the number provided to reach XXXX XXXX I was advised that they in fact do not own the student loan and they have been receiving numerous calls from other people referred from Heartland ECSI regarding the same issue. I then called Heartland ECSI back and spoke with another representative. I explained the situation again and was given the same number. After I insisted this company could not help me I was told that is the only information they had. I then asked what payment could be made to at least bring my account current so that it would stop reporting as past due on my credit report. I was given a past due balance of {$1400.00} and was told if I made that payment my account would reflect current. I would then have a remaining balance of {$610.00} and I could continue making the $ XXXX  monthly payments until it was paid in full. Based on this information on XX/XX/XXXX I made a payment of {$1400.00} mostly from my Stimulus check. On that same date my automatic draft monthly payment of {$50.00} also processed so 2 payments were made on XX/XX/XXXX totaling {$1500.00}. 

The following month I noticed the account was still reporting negatively to my XXXX  credit report as past due. I reached back out to the company and this time was advised because the total balance on my account was past due it will continue to report as such until it is paid in full. This was absolutely not what was advised prior to me making the lump sum payment. I then asked if I was able to pay off the remaining balance could I have the account completed removed from my credit and they stated this could not be done and would only reflect paid in full. I have still not been provided with the correct contact information for XXXX XXXX and Im continuing to have this account negatively impact my credit month after month. Currently this is the ONLY account showing past due or reporting anything negative to my credit reports and it is severely impacting my ability to refinance my home and showing my as having poor payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 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: Financial Data Systems
State: NC

Complaint narrative:
Reporting inaccurate information on my reports with the Credit Bureaus

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 2020-07-02 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Lost or stolen check — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
I receive direct deposit benefits for unemployment each week from the Federal Government and State Authorities. I did not receive my unemployment benefits from Paypal even though the payment was sent to them from both the State and Federal Government on Tuesday, XX/XX/2020. I receive an amount of {$46.00} from the State each week for unemployment, and a total of {$500.00} a week for Federal Pandemic Unemployment Compensation. only received {$46.00} for the work week ending in XX/XX/2020, and I did not receive the allotted amount of {$500.00} that is necessary and vital in this state of emergency that I am in.I have reached out to PayPal on numerous occasions, only to be greeted with an automated response saying that no representatives can assist with this call every time I call them. I also attempt texting them with information in regards to why I havent received this deposit, and they wont address the issue and never give me an answer on why the funds are not available in the PayPal account, even though they were paid by both the State and Federal Government in lieu of the Federal Pandemic Unemployment Compensation Act, as I personally did not receive the allotted {$500.00} for the work week ending on XX/XX/2020. I have attached the necessary documents showing that the amounts of {$500.00} and also {$46.00} being sent to my PayPal account via direct deposit, as of XX/XX/2020, but the {$500.00} is not posted anywhere to my account. Have waited the allotted period in order to rectify this matter, only to be instructed that no PayPal Representatives van assist me with this matter. I have to survive during this Pandemic, and I need to have access to all of my necessary funds. I feel as if a fraudulent act has been committed, and I need answers to why the direct deposit amount of {$500.00} is not showing in my PayPal account, even though it is showing as submitted as a direct deposit of {$500.00} on XX/XX/2020. This being done so, is negligence on behalf of PayPal, and this situation needs to be addressed immediately, as this is my means of survival during this Pandemic. I have attached both my recent PayPal account history and also my direct deposit statement indicating the dates for which my direct deposits were submitted for credits to the respective PayPal account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 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: Credit Plus Inc
State: TX

Complaint narrative:
Credit Plus has repeatedly run my credit for the last three days without any authorization. XXXX. No action has been taken by myself or Credit Plus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 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: GA

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, U S DEPT OF EDXXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: UMPQUA HOLDINGS CORPORATION
State: ID

Complaint narrative:
I have been dealing with first Pacific funding. XXXX was the guy I was dealing with. I thought he was a lender later to found out from Umpqua Bank that he's a Salesman never told me that. I m financing a XXXX XXXX XXXX XXXX XXXX for my XXXX. Purchase price was {$49000.00} that was with Idaho State Tax. He said he could get me 9 % interest rate on a loan with no prepayment penalties. I told him I thought that was high for having a XXXX credit score and paying off some previous equipment. He said I didn't have a long enough history, more lies. I was kind of in a pinch and was going to lose this XXXX XXXX if I didn't get something done. 
So I proceeded and he sent the paperwork over. I thought I was getting 36 month term at {$1200.00} a month. I went to make the first payment XX/XX/XXXX. It said 60 months. I realize the balance was {$71000.00}. My heart dropped. I immediately tried to get ahold of XXXX no answer I emailed him twice never heard anything back. I finally heard back from a manager named XXXX XXXX. Only to tell me that I'm pretty much stuck with it and I signed the paperwork I said what paperwork. He sent it over. There was a quite a few things not right on it looked like the year XXXX my address was wrong, also wrong phone number and the signatures look different. They didn't have anybody sign their box. This company has been ruining businesses and people 's lives for 44 years it needs to stop.

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 2020-07-02 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: NJ

Complaint narrative:
On XX/XX/20 I initiated a dispute for the XXXX accounts showing as past due and closed. I was not able to view the results online so I called and spoke with XXXX today XX/XX/20 XXXX advised me that the creditor does not have to show proof of delinquency they just have to advise them that they have validated the account. He has disputed them again. These accounts should not be showing on my credit report at all and definitely shouldn't be showing as late. XXXX does not service my loans and has not for years. I think that creditors should be responsible for showing proof of the things that they report to the credit bureaus.

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 2020-07-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
My XXXX XXXX  was only 30 Days Past Due when I entered into a Settlement to bring my account from {$3300.00} to a {$0.00} status by executing a settlement. Up to this moment of receiving authorization to proceed with a settlement, I had been in a consumer-initiated balance paydown payment program, with {$59.00} a month that was being paid as agreed and was CURRENT. I was never in collections, and I was never a charge off, because I had been very properly handling my account and actively involved with making sure each month it was being paid on time. As part of my Settlement Offer, I paid my final settlement payment ( # 3 of 3 ) on XX/XX/XXXX for {$760.00}. They then forced my account into a late status on the credit reports due to them taking from XX/XX/XXXX to XX/XX/XXXX to show a payment and a {$0.00} amount. This is not acceptable. 

I have 3 recorded phone calls through XXXX to substantiate my claim as well. 
My Account has never been with any formal collection company AND my account has never been a charge off. I was current throughout this entire process. 

On each separate time that I called XXXX during this settlement and payoff process, I was using the XXXX ADVERTISED PHONE NUMBER readily available on the Internet as XXXX CUSTOMER SERVICE, I spoke directly to a rep that identified herself as a Rep with XXXX XXXX. I have never, and I mean, never, ever, ever been informed that this account is a collection account, and certainly my account has never ever ever been a charge off. As you can see by my documentation from XXXX, this account was not a charge off. 

The Problem is that XXXX has reported to TRANSUNION that I settled / paid in settlement AFTER a charge off/collections. That is 100 % a lie. That is 100 % fraud. 

I also have a CURRENT ( dated today ) screenshot of my XXXX Account, and of my XXXX  credit bureau, because it appears, that XXXX TODAY went to Transunion and ERASED all my prior months of PERFECT payment history of {$59.00} and changed the past 3 months to show a CO for Charge Off which is a Complete Lie. 

My Settlement Payments have been drafted and paid to XXXX XXXX, and presented as XXXX XXXX. 

Please, Attorney General, and CFPB go after these people. I paid them my hard earned money, while I am still unemployed, and this is and never was a charge off, and my account never went to collections.

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 2020-07-02 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: NJ

Complaint narrative:
I have attached a copy of my report and the last letter i wrote to the 3 bureaus for these 2 student loans from XXXX to show that Transunion, XXXX, and XXXX did not conduct a full and proper investigation. They are inaccurately reporting late payments and I have requested that they investigate these issues and update them to never late. These falsely reported late payments are XXXX my credit score and are a violation. How can they have conducted a full and fair investigation if there are multiple violations in the reporting? They are paper whipping and just sending back a letter saying that its verified as accurate ... .It is our right as consumers to contact the cfpb when these CRO 's are violating our rights ... .this is the account # that they are reporting on both accounts XXXX this is a metro 2 violation as they are reporting a letter in the account #. All 3 bureaus are reporting different dates of last activity, All 3 bureaus are reporting different dates of last payment, Look at the payment history they are reporting Differently on the 30,60,90 days late ... .I was never late on these accounts ... ..How are the credit bureaus claiming that they actually investigated these accounts and that they are verified and reporting 100 % accurately and reporting all of these violations? they did not conduct a full and proper investigation is the answer.

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 2020-07-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: ALLY FINANCIAL INC.
State: DC

Complaint narrative:
Ally bank closed my savings account for no reason at all. I did not request this. All of my savings are missing and I can not access them. Then when I contact the bank, after speaking with 2 agents, they claim that all they can tell me is that a letter is being sent to me and that I may receive a check in the mail. I am so livid and distraught. People keep their money in the bank for it to be safe! Where is my money??!! Why was this done?? 

I will begin looking for a new bank. This bank needs to be thoroughly investigated and shut down. There is a lot of fraudulent, unethical behavior going on with this bank.

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 2020-07-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I had previously filled a compliant with the CFPB ( XXXX ) I spoke with a representative from CItizens and just received a response from them through you. Reviewing the response they sent- it was sent to the wrong address. ( I have never received a mailed response- viewed the response from CFPB website ) My concern with the response is it was mailed to an address that I haven't lived at for 5 years. It is addressed to a name that I haven't been associated with for over two years. So now my complaint and personal information including my credit score is being mailed somewhere I don't live. They also included two statements which show CItizens Bank has my correct name and address. This is beyond frustrating. So now my personal information has been breached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 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:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 09 XXXX XXXX XXXX, 11 XXXX, XXXX  XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-07-02 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: GA

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 09 XXXX XXXX XXXX, 11 XXXX, XXXX  XXXX XXXX  XXXX, XXXX  XXXX XXXX, U S DEPT OF EDXXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX  XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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