vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-01 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/2021 Experian removed 7 inquires off my report, report number XXXX. 

Now 15 U.S.C 1681n ( b ) states they owe me {$1000.00} per violations, now thats {$7000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 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: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
The original default date with original creditor ( XXXX ) is XX/XX/XXXX. Portfolio Recovery in response to my initial dispute presented information that represents a false picture by submitting a bill from XX/XX/XXXX as evidence of account accuracy. This is misleading and skirts the fact that this account has been in default status for over 7 years. XXXXXXXX also did not investigate to determine this fact.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
I've reached out to the bank and had all of my documents to prove they released funds to a fraudulent party and they have not rectified there mistake of releasing over {$20000.00} dollars from the account My number XXXX Mr 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 2021-07-01 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:
This problem is with Experian and XXXX. My information appears to have been mixed with someone whose SSN is one different from mine. I can not speak with a representative to get more information because while my information is listed on the report as the " previous name, '' my correct name is not the primary on the report. My score dropped by more than XXXX points because of this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
On XX/XX/2021 I sent out dispute letters to XXXX and TransUnion disputing some inaccuracies on my credit report. I was not satisfied with their vague response of 'verified ' without showing any proof. So on XX/XX/2021 I sent letters requesting a reinvestigation, including the method in which the items were " verified ''. I also submitted another dispute to both bureaus, and neither has responded to neither of my dispute letters sent on XX/XX/2021. This is a violation of my rights as a consumer. I have attached to letters below for your reference.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Credit Dispute was filed with Equifax Credit Reporting Systems and Experian about erroneous / incorrect credit reporting from XXXX XXXX XXXX XXXX to the aforestated credit reporting agencies. On or about XXXX XX/XX/XXXX I totaled out my automobile that was financed through XXXX XXXX XXXX Account Number XXXX. ( Title and Lien Holder ) Motor vehicle was deemed totaled by XXXX Insurance Company whom I was insured with. Vehicle was paid off in full by XXXX Insurance Company. Check was issued on XXXX XX/XX/XXXX to XXXX XXXX XXXX in the amount of {$5200.00} which was the agreed amount to completely pay off the motor vehicle. After accepting the check, from XXXX, XXXX XXXX XXXX continued to report in error this account for several months. XXXX XXXX XXXX at first closed the account on my credit file with Equifax, and XXXX and erroneously reported that I owed them {$710.00}. On XXXX XX/XX/XXXX I received a copy of my XXXX and XXXX, and Equifax Credit Report which revealed that XXXX XXXX XXXX re-opened the credit account to display the account was opened and a now a new balance of more than {$1000.00} was owed to them. On XXXX XX/XX/XXXX Dispute letters was sent out to both credit reporting agencies, and to XXXX XXXX XXXX disputing the account as being reported in error, and requested that the original contract be verified to include my signature that I agreed to the amount being stated that I owed after check was sent as the agreed payoff amount. Approximately 45 days later, Credit reports from both XXXX  and Equifax is still reporting the same erroneous account on m credit files. Both Credit Agencies, and XXXX XXXX XXXX refuse to delete the account from my credit files or correct the account as being paid in Full and account closed. I'm you to intervene on my behalf to correct this erroneous reporting, and bring positive resolution to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
On XX/XX/2021 I tried to use the citi credit card to purchase online, it didnt go through. I got a test message asking me to contact the fraud department so I did. They told me my account is high risk, asked me to provide different information including my phone number, my other credit card numbers, even though I have already provided answers for the security questions. 
Citi has very poor service, the way they verify a legitimate customer is not tolerable. I spent more than a hour but the issue still doesnt get resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
This is my second complaint which is actually an addendum to the first. In my first complaint, I provided proof that Mr. Cooper aka NATIONSTAR changed my mortgage payment and stating that due to their error is escrow assessment, they lowered my mortgage payment and paid me an overage of {$10000.00} that I gave back them to pay the true taxes due to XXXX XXXX based on AV. Mr. Cooper is using their ability to pad my mortgage with extra money under RESPA. I looked today to see had they updated my mortgage payment and they have not. I also just found that Mr. Cooper has not paid my SEWER BILL which is part of my taxes since XXXX of last year. The account is extremely delinquent. They paid this bill initially and simply stopped. See attached from XXXX XXXX XXXX XXXX 's Site. 
So not only is Mr. Cooper overcharging me for my low escrow account they are NOT PAYING THE TAXES EITHER PLEASE INVESTIGATE THIS, THIS COMPANY IS OVERCHARGING ME, LYING TO ME EVERYDAY PRETENDING THEY ARE HELPING ME WITH A FHA STREAMLINE LOAN WHICH NEVER HAPPENED AND I HAVE PROOF THAT I PAID EXTRA MONEY INTO THE ESCROW AND WAS ADVISED BY THEIR REPRESENTATIVE TO STOP PAYING EXTRA MONEY INTO THE ESCROW MEANWHILE THEY EXPECT ME TO PAY {$4900.00} AS MY PERMANENT MORTGAGE PAYMENT WHEN I STARTED WITH THIS MORTGAGE IT WAS {$3600.00} DOLLARS AND THEY SAID I HAD AN ESCROW OVERAGE AND THEN CHANGED MY MORTGAGE PAYMENT TO {$2800.00} AND NOW I HAVE AN UNDERPAID ESCROW ACCOUNT. PLEASE HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 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 wan na help Equifax understand how to properly investigate and complete an investigation pursuant to FEDERAL LAW 15 USC 1681a ( e ) The term investigative consumer report means a CONSUMER REPORT or portion thereof in which information on a consumers CHARACTER, GENERAL REPUTATION, personal characteristics, or mode of living is obtained through PERSONAL INTERVIEWS with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, CHARACTER, GENERAL REPUTATION, personal characteristics, or mode of living. 

Equifax needs to INTERVIEW my neighbors about my CHARACTER, GENERAL REPUTATION, personal characteristics, or mode of living. 
Equifax needs to INTERVIEW my friends about my CHARACTER, GENERAL REPUTATION, personal characteristics, or mode of living. 
Equifax needs to INTERVIEW my associates or acquaintance 's about my CHARACTER, GENERAL REPUTATION, personal characteristics, or mode of living. 

Equifax has Fraudulently reported an alleged bankruptcy on my consumer report, so I'm asking them to investigate where they got this bankruptcy information from? Equifax has now seen how to properly investigate a consumer report pursuant to 15 USC 1681a ( e ). Lets hope they dont break federal law again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: United Collection Bureau, Inc.
State: NY

Complaint narrative:
I am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 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: CA

Complaint narrative:
Paypal closed my account for no reason and will not help me with geting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for weeks but I just remembered I could file a report on here as I feel they are not doing their job properly and it effecting me a great deal as i used paypal quite frequently. My email linked to my Paypal is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have asked the company to substantiate their claims regarding accounts information reporting in my credit report Since errors may be within the account record have asked that they forward such substantiation within 30 days. Additionally, include documentation which shows that the disputed accounts are not subsequently disputed as a result of returned or recalled consumer products during the period it may have been payable. I am not requesting an account review. In lieu of that, this is a requisition for a formal documentary review. If these requests can not be met within the established time period, account compilations sent from the furnisher it must be regarded as fallacious and may evidence their desire to abridge my federal rights. Given that outcome, kindly redact such credit bureau data soon. Thank you for assisting me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: NAVY FEDERAL CREDIT UNION
State: WA

Complaint narrative:
On XX/XX/2021 a Navy Federal Credit Union representative would not process my domestic wire transfer to my Daughter for her upcoming Hawaii vacation. The initial representative that I gave all of my information to, said she would place me on hold & gather paperwork to proceed with my wire transfer. She transferred me instead to a Supervisor who stated that I never transferred money to my Daughter. I told them that this was my 5th or 6th time doing it. The supervisor didn't believe that I have processed a wire in the past. After a third degree 30 min conversation the wire was finally processed. This is the worst customer service I have ever experienced with Navy Federal Credit Union.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: SECURITY FINANCE CORP
State: OK

Complaint narrative:
I XXXX XXXX have had a loan from contental credit for 2 years in order to build my credit score which has proven in its self a challenge. XX/XX/2021 I was told that if I paid on time that on XX/XX/2021 I would be allowed to take the maximum loan I could by re-newing my loan which was XXXX XXXX I was told this twice on XX/XX/2021 and later in the month when I called to confirm the loan was XXXX $ the woman who answered called back to XXXX the higher up loan officer who with her own words claimed yes his loan amount for renewal was XXXX. On XX/XX/2021 I called and spoke to XXXX who replied no I can not approve this loan ( REASONS ) her first remark was I don't want my BOSS to see that I raised you up 5 tiers. Now I don't know what a tier is or why it would matter I want to know why I was scammed and lied to even though I do always pay my payments on time minse the one time I was crippled and could not leave my bed and had also lost my debit card. But I paid the loan in person while in searing pain I brought them the money I owed and I was scammed and lied to!!!! Why? 
( SECOND REASON ) your XXXX and I can not loan you over a certain amount. Talk about blatantly discriminating your are XXXX so your capped at this level. That was a cruel and no dought about it illegal way to say you XXXX are a poor person and we will not give you this money. But in america the down trodden stay down trodden and companies such as this see to it .... I do not care who this offends It wrong that a company will lie to a customer that is a good customer and dose their part of the contract made. Why then am I left empty handed and have to defend myself when I'm innocent but was wronged ... this happens all to often to people In my situation we are stepped on and treated like less than. It is not right.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 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: MS

Complaint narrative:
I had an old charged-off account on my Experian and XXXX credit reports from XXXX that was reported in XXXX. In XX/XX/XXXX I decided to pay the balance of {$170.00} in full, which at the time seemed like the right thing to do. After over a month went by without the account having been updated on my Experian and XXXX  reports to reflect my payment, I filed a dispute with each agency. 

On the 29th day after I submitted the disputes I received notifications from each agency that they were completed. I reviewed the information on my XXXX report and it was inline with what I expected : the account showed that it was paid and there was no substantial change to my credit score. I then reviewed the information on my Experian report and couldn't believe what I was seeing. My score dropped XXXX points from XXXX to XXXX. The only thing that had changed on my report was the old charged-off account I disputed had been updated to show that I paid it. 

I do not think its right for your credit score to drop just because you did the right thing and paid off an old charged off account. I'm pretty sure most people would agree. After speaking with folks at Experian, it appears that XXXX updated my Experian report differently than what they updated on XXXX That difference cost me XXXX points on my score. I submitted another dispute but that one came back today without fixing the problem. Now, Experian 's website won't even allow me to submit another dispute to provide them with more information.

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 2021-07-01 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: DISCOVER BANK
State: CT

Complaint narrative:
As a cosigner on student loan my credit report was affected. The borrower has been trying to make more payments due to COVID-19. It has negatively affected the cosigners credit score. The cosigner tried make modification on credit score so that it would not effect score. Discovery student loan is not taken in consideration covid-19 pandemic which has caused the borrower to become late with four payments. XXXX. The cosigner is trying to rectify by trying to help to borrower by making substantial amount of payments to become current. However, it still will affect the cosigner and borrowers credit. Due to covid-19 this is an unfair practice to ruin someone's credit score and potential cause misrepresentation of XXXX  XXXX payments. Negatively impacting my credit score without resolving payment status to reflect current credit score. Covid19 was not suppose to let banking instructions make false reporting due to lapse of payments. Government mandated protection against credit reporting institution from reporting late payments. Discover student loans are not following guidelines.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-01 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:
XXXX, Equifax and XXXX  are all in violation of the FCRA. Every negative item on my credit reports is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 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:
Experian, XXXX  and XXXX  are all in violation of the FCRA. Every negative item on my credit reports is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 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: TX

Complaint narrative:
not mine fcra violations remove it XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Resident type Single family

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 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:
XXXX, XXXX  and Transunion are all in violation of the FCRA. Every negative item on my credit reports is fraud.

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