vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
There are student loans showing on my credit report from 2008 which is from 12 years ago ( way too old to be on my credit report. I have tried disputing the info and reaching out to the collection company without any success. The collection company keeps reporting the info to my credit report which makes it seems like the information is new or the latest info. How can they keep reporting on information that is more than 12 years old. I have been unable to get this information removed.

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 2020-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
There are student loans showing on my credit report from 2008 which is from 12 years ago ( way too old to be on my credit report. I have tried disputing the info and reaching out to the collection company without any success. The collection company keeps reporting the info to my credit report which makes it seems like the information is new or the latest info. How can they keep reporting on information that is more than 12 years old. I have been unable to get this information removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
There are student loans showing on my credit report from 2008 which is from 12 years ago ( way too old to be on my credit report. I have tried disputing the info and reaching out to the collection company without any success. The collection company keeps reporting the info to my credit report which makes it seems like the information is new or the latest info. How can they keep reporting on information that is more than 12 years old. I have been unable to get this information removed.

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 2020-02-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/XXXX I encountered someone who needed help because he was traveling without his wallet. His relatives wanted to send him cash but he had no ID. He had his uncle and another friend send me Paypal payments and I turned them into cash for him. Once I confirmed that the payments were in my Paypal, I gave him the money. I checked the emails carefully to make sure they were real and verified the balance in my Paypal account. A week later, Paypal started sending me messages that the charges were being disputed. I logged in and reported that I had given the cash to the individual and what had happened. I would not have given the cash if I could not rely on Paypal 's emails " You've Got Money '' and triple checked that I had the cash with no associated fraudulent transaction. Once I investigated later, I see that this is a common scam that Paypal is susceptible to. However, I do not have the fraud prevention department and other controls that Paypal does. It was unavoidable on my part and for Paypal to go after me instead of investigating the fraud and going after the sender or the fraudster is unfair to me. If Paypal does not have sufficient controls to detect unauthorized use of a Paypal account, that's not my fault. I relied on their email " You've Got Money ''.

I relayed all this in my timely response to Paypal 's request for more information. I also relayed this to the  collection agent at Paypal ( XXXX XXXX ) but she just wanted me to pay the bill. No one seems to be interested in the perpetrator ( I have his name and phone number ) of the fraud or the sending Paypal accountholder 's role in this. What is to stop XXXX XXXX and XXXX XXXX from simply claiming they didn't mean to send me the money? They may not be victims but conspirators. I have no idea but it's not on me to investigate when Paypal said " You've Got Money. '' I have attached one of the " You've Got Money '' emails, the collection email and a list of the disputed transactions from XXXX XXXX and XXXX XXXX. I also want to state that despite what XXXX from Collections states, just because the credit card charged back Paypal ( I have no evidence of this ) does not mean that Paypal can charge me back. I did not accept credit cards. I accepted Paypal and relied on their good word. I am not part of the fraud and I should not be the victim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-27 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have a charged off account with XXXX XXXX. They are reporting numbers that are not only inaccurate but impossible. They are reporting that I have a {$4700.00} balance but that only {$4000.00} of it is past due. This account is almost seven years old so it is impossible that the entire amount isn't " past due ''. While this might seem like subtle distinction, the FCRA is pretty clear that information must be accurate or removed. Now of course I'd like it if they would just remove the whole thing because it's inaccurate, but at he very least they should correct it. 

XXXX XXXX told me this is a bug in their system and on that basis I believe this should be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Hello I'm writing to ask about the removal of these address inaccuracies from my report. i live at XXXX XXXX XXXX, GA XXXX My name is XXXX XXXX any other spellings are inaccurate my number is XXXX any other number is inaccurate. 







XXXX XXXX XXXX XXXX  XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX , XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX , XXXX, GA XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX , XXXX, GA XXXX XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX and XXXX XXXX XXXX are both inaccurate

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 2020-02-27 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Hello I'm writing to ask about the removal of these address inaccuracies from my report. i live at XXXX XXXX XXXX, GA XXXX My name is XXXX XXXX any other spellings are inaccurate my number is XXXX any other number is inaccurate. 







XXXX XXXX XXXX XXXX  XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX , XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX , XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX and XXXX XXXX XXXX are both inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
In XX/XX/2019I opened a checking account at Wells Fargo Bank based on a promotion that said that with a direct deposit every month or a certain number of debits per month, a credit of {$400.00} would be entered into the account. 
I arranged to have my $ 1500+ pension check direct deposited to the account. I called in XXXX to follow up the credit and was advised that I would see it in the account by " mid-XXXX ''. 
When I followed up in mid XXXX I was told that it would go to a senior account manager and I would receive a call.

Within the last couple of days I was advised that there was an additional requirement that was certainly not visible on any of the literature that I had seen that there was an additional requirement for a multi month history of a much larger deposit that I had not met. 
The practice seems to have been deceptive at best to have presented one direct deposit requirement at the outset, have advised in XXXX after 5 months paying no interest on a substantial balance that the credit was imminent and then finally ( after 7 months of having the account ) to advise that there was a second direct deposit requirement. 
It certainly feels like a bait and switch to me.

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 2020-02-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
To whom it may concern : Suspicious activity in my mail made me think that my identity had been stolen, then short after I realize, started to check my credit, to my surprise there were a number of account that I don't know of. Please help me to resolve this by removing these fraudulent accounts.

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 2020-02-27 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Fraudulent account opened in my name XXXX  {$2000.00} balance

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 2020-02-27 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: EQUIFAX, INC.
State: GA

Complaint narrative:
To whom it may concern : Suspicious activity in my mail made me think that my identity had been stolen, then short after I realize, started to check my credit, to my surprise there were a number of account that I don't know of. Please help me to resolve this by removing these fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: IL

Complaint narrative:
A home equity line of credit that I had opened with XXXX XXXX was transferred to Rushmore Loan Management in XXXX. 

Toward the end of XXXX, specifically on XX/XX/XXXX, I attempted to pay off the outstanding balance at Rushmore by sending a payment using Rushmore 's online payment system for the full amount of the outstanding balance shown on the mailed statement I received a few days prior. 

In early XXXX, I received another statement indicating that a service fee of {$20.00} had been charged to the account ( though apparently it was being charged later than the statement date, on XX/XX/XXXX ), and indicating that a total outstanding balance of {$20.00} was still on the account. 

On XX/XX/XXXX, I called Rushmore to get clarification, and was told that the service fee was just the annual fee for the account. I then asked for confirmation from the representative that making a payment through the website of the total outstanding balance, {$20.00}, would XXXX  out the account. The representative confirmed this. 

In early XXXX I received another statement from Rushmore indicating that the {$20.00} payment was not being applied until late XXXX - later than the account statement even through that payment had been sent on XX/XX/XXXX - and that a {$4.00} interest amount was being charged to the account. 

I attempted to call in for clarification again and was told not only that they couldn't provide more details, but that there was a {$4.00} amount due, and that they could not send a payoff and account closure without both myself and my wife - who is also on the account - faxing or mailing in a request form of some sort requesting a payoff letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: USCB Corporation
State: PA

Complaint narrative:
On or about XX/XX/XXXX someone used my social security number and or identity to call an ambulance the ambulance or the hospital never questioned identity just my social security number and now I am receiving a bell for {$1100.00} on my credit report this that is not mine

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 2020-02-27 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false extremely accusations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: General Motors Financial Company, Inc.
State: NY

Complaint narrative:
I returned a XXXX XXXX to GM Financial in XX/XX/2019. 

At the end of the lease, in order to ensure that everything was properly terminated, I called GM Financial personally, and spoke with an agent who informed me that everything was paid up and the account would be closed. 

She made no mentioned whatsoever about any post lease charges or fees, and not being an expert in the details of car leases and terminations, I took her word for it. 

Without my knowledge, there was a charge that did pop up after the lease was terminated, even though the agent gave the impression we were settled. 

The company claims to have sent a letter in XX/XX/2019 and to have attempted to call, though I received no such letters or calls. The number they had on file was incorrect and I get so many letters from them, it's very hard to keep up with which are important and which aren't. 

Today, I discovered on my own, that this charge was outstanding. When I called, I spoke with a man named XXXX # XXXX. He was unhelpful, and hid behind technicalities of lease termination, of which I know nothing about, when defending the behavior of his company. He did admit that no letters were sent since XX/XX/2019. And all the while, they have been accepting a lease payment on another vehicle. 

So - for over a year, I have had an outstanding balance and all the while they have made little to no effort to get in touch with me and have accepted my payments on another vehicle. 

The moment I was made aware of this outstanding balance, I immediately paid it off. 

I would like all negative comments or marks on my credit reports related to this incident to be completely removed and expunged. 

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: ECMC GROUP, INC.
State: NJ

Complaint narrative:
Hello. I took out a few student loans in XXXX or XXXX so I could attend college. The total amount of these loans was about {$5000.00}. Since XXXX, I have made a lot of manual payments, and the debt collectors and others have seized the vast majority of my IRS tax refunds. I can not remember the last time I received a tax refund because they have been offset and seized. To date, I have no doubt paid the original loans in full. And, I know I have lost thousands of dollars in tax refunds. Can you please help? I don't know where to turn at this point. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
My wife and I have been a victim of identity theft. We have never filed for bankruptcy or had the need to do so. We have been trying to remove this from our reports since we first found our 5-6 years ago. These accounts on my report and bankruptcies are not mine. Please remove these items from my report.

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 2020-02-27 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
My wife and I have been a victim of identity theft. We have never filed for bankruptcy or had the need to do so. We have been trying to remove this from our reports since we first found our 5-6 years ago. These accounts on my report and bankruptcies are not mine. Please remove these items from my report.

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 2020-02-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false extremely accusations.

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 2020-02-27 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false extremely accusations.

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 2020-02-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: WY

Complaint narrative:
This is a case of mistaken identity, the debt you are attempting to collect is fraud. I never carried credit with XXXX XXXX, I explained this to them already, please stop attempting to collect this debt it false, or fraud and was not incurred by me. I contacted the FTC, the Report Number:XXXX, please re-frame from trying to collect this debt or impugn charter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: AES/PHEAA
State: IL

Complaint narrative:
I am in my final year as a XXXX student full-time enrolled while also completing an internship ( school requirements ) in which I am making $ XXXX/hour. My XXXX private student loan that I obtained during my final year of XXXX serviced by AES informed me that I am due to make full payments starting in XX/XX/2020. However I do not complete my program until XX/XX/XXXX. I submitted a deferment form and AES denied it saying that I have used up all my deferment period. They have billed me {$580.00} per month and that is beyond my paycheck. I requested a forbearance, they stated that I am not qualified for that. At this time, they are threatening to report my late payment to the credit bureaus and I am unable to make this payment as my paycheck does not support at this time. Im a full-time student and I can not afford to pay approximately {$600.00} a month in student loan payments. I reached out to my school to assist me and they informed me that they are unable to. I would like to know what my options are.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Delivery Financial Services, LLC
State: AZ

Complaint narrative:
I was a patient at XXXX XXXX XXXX and had XXXX services done while I was XXXX recipient. My medical bills should have been billed to XXXX and I never received any notices otherwise. In XX/XX/XXXX and beyond, I started seeing collections on all 3 of my credit reports for these services. They are listed under several different collection agencies for several different bill amounts ( Approx 10 different collections. I have tried disputing these charges and getting them removed from my credit reports with any success.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation