vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-22 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: VA

Complaint narrative:
In XXXX of XXXX I submitted my initial complaint against XXXX XXXX It is as follows : On XX/XX/XXXX of XXXX  I checked my credit report and found an collection account that I didn't recognize. Knowing this entry had to be a mistake I sent a debt validation letter to XXXXXXXX XXXX that same day. On XX/XX/XXXX of 2021 I received a response from the company saying that an investigation was going to be done into the matter and in the meantime the account would be deleted from the credit reporting bureaus, that was never done. I never received any update or validation into this erroneous account. Instead, it remained on my credit reports and continued to lower my credit scores. On XX/XX/XXXX of 2021 I sent a following up request into this matter directly to XXXX XXXX. I let them know that it had been over 5 month since my initial request for validation and advised them that they had violated my consumer rights by having the account removed from my credit reports and by not validating the debt while continuing to report it. I advised them that their silence was obviously and admission of silence and I was under the impression that the debt should have been removed because they failed their legal duty to answer my claims. They in response they sent me a letter stating that my request for validation was frivolous and irrelevant even though they never followed up their legal end of the deal. I am requesting for this account to be removed from all XXXX of my credit profiles immediately. 

The response I received was that this company didn't believe they violated my consumer rights and they continued to report the account as collection account with missed payments. Following that response I paid the account in full with agreement from the company that is would be removed from my credit reports. Since then it has been removed from my XXXX reports but not from my Equifax and XXXX reports. This account is continuing to report as if I am missing payments each month which in fact is not true as this account is paid and should've been removed. My validation letters to the company have been ignored for the last 6 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 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: VA

Complaint narrative:
In XXXX of XXXX I submitted my initial complaint against XXXX XXXX. It is as follows : On XX/XX/XXXX of XXXX I checked my credit report and found an collection account that I didn't recognize. Knowing this entry had to be a mistake I sent a debt validation letter to XXXX XXXX that same day. On XX/XX/XXXX of XXXX I received a response from the company saying that an investigation was going to be done into the matter and in the meantime the account would be deleted from the credit reporting bureaus, that was never done. I never received any update or validation into this erroneous account. Instead, it remained on my credit reports and continued to lower my credit scores. On XX/XX/XXXX of XXXX I sent a following up request into this matter directly to XXXX XXXX. I let them know that it had been over 5 month since my initial request for validation and advised them that they had violated my consumer rights by having the account removed from my credit reports and by not validating the debt while continuing to report it. I advised them that their silence was obviously and admission of silence and I was under the impression that the debt should have been removed because they failed their legal duty to answer my claims. They in response they sent me a letter stating that my request for validation was frivolous and irrelevant even though they never followed up their legal end of the deal. I am requesting for this account to be removed from all XXXX of my credit profiles immediately. 

The response I received was that this company didn't believe they violated my consumer rights and they continued to report the account as collection account with missed payments. Following that response I paid the account in full with agreement from the company that is would be removed from my credit reports. Since then it has been removed from my XXXX reports but not from my XXXX and Experian reports. This account is continuing to report as if I am missing payments each month which in fact is not true as this account is paid and should've been removed. My validation letters to the company have been ignored for the last 6 months.

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 2022-08-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Penn Credit Corporation
State: NJ

Complaint narrative:
The company sent me a paper bill on XX/XX/XXXX. This was AFTER the bill was paid. I logged onto the company website ( Penn Credit ), and the message said I had to contact the office to pay the bill. Upon calling the company, I was directed to an automated line that tried to sell me automotive breakdown services without my consent. I explicitly selected the option to decline this offer and was connected to an automated line that ushered me through the process of signing up. When I repeatedly said " No, No, No, No '', I was disconnected. When I called back to try to pay the bill, the woman told me the bill was already paid. I then inquired why the company sent me a bill AFTER the bill was already paid, and she said, " it was already in the mail ''. How is this possible if the bill was already paid? As an senior in my XXXX 's, I do not appreciate people trying to scam me to pay bills more than once. I want to file a complaint so that they STOP! 

Bill paid : XX/XX/XXXX Confirmation Number : XXXXXXXX XXXX sent again : XX/XX/XXXX Spoke with XXXX XXXX XX/XX/XXXX @ XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
On XX/XX/XXXX I paid online my full past amount due. It was only about {$510.00}. That included any payment up until XX/XX/XXXX that may have been delinquent. Then, when I go to make the next payment in XXXX, I see via my credit report that the account has been delinquent since XXXX of XXXX. So my payment in XXXX, never covered the past due amount because somehow, even though I clicked " pay past due amount '' it was {$6.00} short. I, of course, didn't realize this until this next payment was due, because they didn't care to tell me. But what the issue is here is a random {$6.00} debt that must have been applied the moment I clicked " pay past due amount '' that keeps my account delinquent no matter how hard I try to pay it. I don't want to make another payment in fear they will just take my money and add another {$6.00} to keep me delinquent. 

This is seemingly predatory, and the lack of communication and effort on the loan collectors side is unbelievably unhelpful. 

The loan servicer is UAS. When I called the first time to ask why this was happening, the customer service agent hung up on me within minutes of hearing about this extra {$6.00}. When I called back the new agent told me it would take a while to review the account. Meanwhile I can not buy a house because of how these reports are affecting my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 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: CO

Complaint narrative:
Dispute with Experian multiple times, they respond without investigation within a day that it meets standards. Multiple inquiries that I did not authorize and they refuse to remove. Also current collection belongs to someone other then myself. I currently have XXXX and credit Experian refuses to look at current bill, that explains I have a current 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 2022-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I was going through my consumer report and established these accounts was furnished by your company on my consumer reports. These accounts listed these companies as the creditors.

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 2022-08-22 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX {$440.00}, XXXX XXXX XXXX {$630.00}, XXXX XXXX XXXX {$8800.00} XXXX XXXX XXXX {$2700.00} XXXX XXXX XXXX {$1600.00} has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: U.S. BANCORP
State: CA

Complaint narrative:
I have not used a USBank credit card for years and I have tried to close the account numerous times by telephone and email. The last contact was a telephone call on XX/XX/XXXX, when I actually talked to a real person who said she would close the account. I just received an XX/XX/2022 statement indicating I owe a balance of {$26.00} because they charged me a fee of {$20.00} and a past due fee of {$6.00}. 

We paid the previous invoices ( {$67.00} in total fees charged in 2022, but no purchases ), although we kept trying to close the account, just to preserve our credit rating in case their robot talks to the credit rating agencies robots. 

Why do I have to complain about a spurious {$26.00} bill? A friend told me he fought the same battle for years and the fees keep coming and adding 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 2022-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I requested Experian to remove all old addresses and phone number off of my personal information.Experian refused to remove this information.The information is reported wrong on credit report. Please remove information off of my personal information. 
Please send me a copy of updated credit report to address listed below.

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 2022-08-22 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: SUNCOAST CREDIT UNION
State: VA

Complaint narrative:
On XX/XX/2022 Suncoast Credit union florida notified me that a fraud had occured on my suncoast credit card. I blocked the card number from further use and they reissued a new card. I was fully reimbursed. I told them both cards, my wife and mine were locked in our house and we stopped using that card 2 years ago. Then as a victim of this theft via use of the credit card number the credit bureaus, all three sent me stating I had reported my card lost or stolen and that as a crime victim this could. lower my credit score. I told Suncoast their report to the credit bureau was false that one can not be hold in credit card on their hand and claim that the same card is stolen or lost. Suncoast tried to make me sound negligent in the number of card being used. In fact, I wonder how they did get my number as the two cards are locked in the house and have not seen the light of day in two years. I suspect it was a data breach at Suncoast. What I was told at suncoast credit union was that theft or loss of a credit card is the same as someone having stole only the number and used it. At anyrate as a crime victim, My credit score may well be lowered at all three bureaus through no fault of my own and false reporting by suncoast credit uunion which they did with intent. If a person holds a nickel in their had, that nickel is not lost or stolen but rather it is in their hand.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX {$440.00}, XXXX XXXX XXXX {$630.00}, XXXX XXXX XXXX {$8800.00} XXXX XXXX XXXX {$2700.00} XXXX XXXXXXXX XXXX {$1600.00} has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-08-22 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX {$440.00}, XXXX XXXX XXXX {$630.00}, XXXX XXXXXXXX XXXX {$8800.00} XXXX XXXX XXXX {$2700.00} XXXX XXXXXXXX XXXX {$1600.00} has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-08-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc.
State: NJ

Complaint narrative:
I received a collection notice from CMRE Financial Services on XX/XX/XXXX for XXXX XXXX XXXX XXXX Date of Service on XX/XX/XXXX. I immediately contacted my insurance to fix the error and the claim was correctly processed and paid to XXXX XXXX XXXX on XX/XX/XXXX. I have contacted CMRE Financials to close this case and have spoken numerous times with their debt collectors who assured that they " will open an investigation '' and I will be receiving a verification in writing that the account/case will be canceled. I also faxed the Explanation of Benefits to them twice at their request. ( Note attached docs ) XX/XX/XXXX - my initial contact when I received the notice. Spoke with XXXX XX/XX/XXXX - spoke with XXXX XX/XX/XXXX - spoke with XXXX who opened an investigation and assured that it will take 7-10 business days to resolve. On XX/XX/XXXX I faxed the EOB to ( XXXX ) XXXX XX/XX/XXXX - spoke with XXXX who never called back to confirm fax receipt XX/XX/XXXX - spoke with XXXX XX/XX/XXXX - spoke with XXXX and faxed the EOB again to ( XXXX ) XXXX on XX/XX/XXXX After all of this, I'm receiving a new collection notice dated XX/XX/XXXX last Saturday, XX/XX/XXXX. Can you please address my complaint with CMRE Financial Services who should not be in this business due to lack of best practices? There is clearly a disconnect within their organization that may negatively impact on customers ' credit scoring. 

XXXX XXXX ( husband ) of XXXX XXXX XXXX ( debtor )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: American Collections Enterprise, Inc.
State: VA

Complaint narrative:
In XXXX of 2020 I checked my credit report and found a handful of collection accounts that I didn't recognize. Knowing this entry had to be a mistake I sent a debt validation letter to American Collections on behalf of XXXX XXXX XXXX that same day. To date I have not received a response from the company saying that an investigation was going to be done into the matter. I have never received any update or validation into this erroneous accounts. Instead, it remained on my credit reports and continues to lower my credit scores. I have sent a follow up validation bimonthly since XX/XX/2020 I sent a following up requests into this matter directly to American Collections. I let them know that it had been over 2 years since my initial request for validation and advised them that they had violated my consumer rights by not having these accounts removed from my credit reports and by not validating the debt while continuing to report it. I advised them that their silence was obviously and admission of silence and I was under the impression that the debt should have been removed because they failed their legal duty to answer my claims. I have even sent account validations requests directly to the credit bureaus and they are advising me that American Collections has verified these accounts as legit. I am requesting for these accounts to be removed from all 3 of my credit profiles immediately.

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 2022-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I tried to send my sister {$160.00} dollars on XX/XX/2022 using Paypal. ( Paypal transaction ID : XXXX ). The app was offered through XXXX messenger. The money was taken out of my XXXX  XXXX XXXX checking account. But, my sister never received the money. 
I started a formal complain with paypal to recover my money. ( Paypal case ID : XXXX ), on XX/XX/2022. They denied doing anything wrong. Refused to show what bank / account my money was deposited on. As of today,. they have closed the case and even erased all details information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX I was scammed into sending {$300.00} to XXXX XXXX XXXX for the purchase of a XXXX XXXX  ( aviation related item ) using XXXX. I realized directly after paying him when he blocked me on his social media and stopped responding to texts or messages that it was a scam. I reached out to Chase on XX/XX/XXXX to help rectify the situation and they took down all relevant info saying they would help me, then within 12hrs they sent a letter to me stating " As we discussed and agreed, no action will be taken '' and " This inquiry is not resolved ''. There had been no discussion as stated by Chase and I feel they put no effort into helping me recoup this money. They take large fee 's and when they are needed to assist their customers they left me hanging.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian XXXX XXXX XXXX XXXX, TX XXXX Dear Experian, I am writing to dispute the following information that appears on my Experian report from XX/XX/XXXX : XXXX XXXX  Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$1700.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
XXXX XXXX XXXX  XXXX Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$1200.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
XXXX Unsecured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$1200.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
XXXX XXXX XXXX XXXX Lease with account # XXXX opened on XX/XX/XXXX and a balance of {$1600.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
XXXX Unsecured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. 
Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. 
I personally signed and sent this letter. 
Sincerely, XXXX XXXX If after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete.

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