vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-20 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: IL

Complaint narrative:
XX/XX/2021 I received an alert that XXXX XXXX placed an account on my credit report. Original creditor XXXX XXXX XXXX. I have no account or balance with the orginal creditor. Nor have I heard from XXXX XXXX. I havent received a demand letter or anything. This is not my account. Its either a mistake or these charges are fraudulent. I want this removed from my credit report immediately. Ive tried to dispute online with Equifax today, but I keep getting an error message. This is such an inconvenience. Ive attached a fraud affidavit to this complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 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: TX

Complaint narrative:
XXXX XXXX XXXX is erroneously reporting to the three major reporting agencies - XXXX, XXXX, and Equifax  that in XX/XX/2021 payment was late 30 days. No payment was given 30 days late to XXXX XXXX XXXX and the account is current. All documentation of account statements and billing statements show the account is current with payment history identifying all payments have been provided on time. A representative over a phone call also admitted to this. XXXX XXXX XXXX have failed to rectify this matter. Numerous phone calls have been placed with no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 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: TX

Complaint narrative:
XXXX XXXX XXXX is erroneously reporting to the three major reporting agencies - Experian, XXXX, and XXXX  that in XX/XX/2021 payment was late 30 days. No payment was given 30 days late to XXXX XXXX XXXX and the account is current. All documentation of account statements and billing statements show the account is current with payment history identifying all payments have been provided on time. A representative over a phone call also admitted to this. XXXX XXXX XXXX have failed to rectify this matter. Numerous phone calls have been placed with no success.

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 2021-03-20 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4400.00}, {$0.00}, {$7600.00}, {$29000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4400.00} -This is not my account. 

XXXX. XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7600.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$29000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I have had a very difficult time with Mr Cooper. I have tried to submit for a loan modification several times. I was never able to communicate to the same person which always caused confusion. Mr Cooper always seemed to lose my paperwork, which I constantly had to re-fax. I am a XXXX US Veteran and can afford my mortgage. I need a modification to place the past due payments back into my loan and save me from a foreclosure. If the payment stays the same or goes up a little bit is ok.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: CA

Complaint narrative:
I just received a letter from the crooks " Flagstar bank '' claiming my homeowner insurance expired & they are immediately charging me for their own product. 
My insurance has not expired, it continues in effect - so not providing me a waiting period for their mistake is theft. 
My loan was sold to them about a year ago & I had other problems with their thievery. I had requested they sell my loan to another company but no response

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 2021-03-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: The Bureaus, Inc.
State: PA

Complaint narrative:
The Bureaus XXXX company is attempting to collect on a debt that has been discharged in bankruptcy. I spoke with an individual in this company on XX/XX/XXXX and he agreed that the card was discharged in bankruptcy and that he was sending the information over to another department and I would hear back.

After not hearing back by XX/XX/XXXX, I called again and left a voicemail. No response. 

Currently I am attempting to move closer to a specialized XXXX hospital, this collection account that should not be here, is impacting my ability to find housing, forcing me to drive 3 hours each way to the hospital for treatment. 

Even the original creditor has this marked as discharged in bankruptcy on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC
State: PA

Complaint narrative:
Incident of Identity Theft Received Collection Letter from MRS dated XX/XX/2021 via USPS. Letter cites an unpaid account with XXXX XXXX. I do not have a cell phone contract with XXXX I am an XXXX XXXX XXXX cell phone customer. Called MRS on XXXX and XXXX XXXX to resolve fraudulent collection and was told to contact XXXX which i did on XXXX XXXX. XXXX stated account was with MRS for collection. Attempts for to correct identity theft associated with the fraudulent action have been unsuccessful. MRS letter is attached

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 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: KY

Complaint narrative:
I have disputed the inaccurate reportings with TransUnion, XXXX, and XXXX  several times to no avail. The following addresses are incorrect and do not belong to me, XXXX XXXX XXXX XXXX XXXX, KY XXXX, XXXX XXXX XXXX XXXX XXXX, KY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX, XXXX XXXX  XXXX XXXX XXXX, KY XXXX. The following accounts do not belong to me and should be removed from my credit file, XXXX XXXX XXXX TransUnion is reporting an opened date of XX/XX/XXXX, XXXX is reporting an opened date of XX/XX/XXXX and XXXX  is not reporting this account, XXXX XXXX XXXX XXXX TransUnion is reporting an opened date of XX/XX/XXXX and a balance of {$680.00}, XXXX is reporting an opened date of XX/XX/XXXX and a balance of {$680.00}, Equifax is not reporting this account, ORIGINAL CREDITOR XXXX TransUnion and XXXX are not reporting this account, XXXX  is reporting an opened date of XX/XX/XXXX and a balance of {$130.00}. ORIGINAL CREDITOR XXXX TransUnion and XXXX is not reporting, XXXX is reporting an open date of XX/XX/XXXX with a balance of {$130.00}. I have reached out to the credit bureaus to help me in getting this matter resolved. Is TransUnion, XXXX  and XXXX  considered to be furnishers? These accounts do not belong to me and TransUnion, XXXX  and XXXX have failed to plead their case to who has provided them with this false information. Please help me to get this matter 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 2021-03-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I opened a case with PayPal because I did not receive the item. Seller provided tracking information so I went ahead and talked to XXXX about the non delivery issue and it turned out the package seller shipped did not have the correct shipping information which turned out it was delivered to completely different address and person. I talked to PayPal about this to appeal the case and they're not doing anything to help. I can't believe big company like this profits off hard working people like me without getting caught. I'm so disappointed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
I called XXXX  on XX/XX/XXXX to cancel my services because XXXX could not render the services that I paid for in advance. I was on the phone for over three hours and hung up on once while waiting over an hour. I was transferred to 4 different depts. While on at least 25 min holds. My XXXX XXXX was billed on XX/XX/XXXX which I paid. My card was billed again on XX/XX/XXXX. I disputed the claim with XXXX and I called XXXX Customer Service Manager on XX/XX/XXXX. She told me that my service was not cancelled. XXXX sent me to the wrong dept to cancel my service. I replied Ll you want to do is take my money. I did not have an operational system since XX/XX/XXXX. I asked the Manager on a recorded line if I owe anything twice - she said I owe nothing. I was requesting a refund for XXXX payment. The manager told me that the service cancelation is 30 days, XX/XX/XXXX. XXXX the same where XXXX presented payment which XXXX declined. XXXX said I was in the right. XX/XX/XXXX payment was presented again and I thought XXXX  WAS STILL CHARGING ME MONTHLY. I calledto cancel my XXXX card. The rep explained that it was the same charge presented. I called XXXX  on XX/XX/XXXX and the rep and manager agreed that I should have not been billed. I was told that I owed to end of XXXX. I paid XXXX. I get a bill from Credit Collection Services on XX/XX/XXXX. I called XXXX  and verified the payment made. It was. I requested a receipt which I have not received, requested an apology, and removal from credit agencies. This is how XXXX treats a loyal customer for over 7 years who paid in advance.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: U.S. BANCORP
State: OH

Complaint narrative:
I received a debit XXXX card from US Bank ( ReliaCard ) at my home address, but it has the name of another person. I phoned USBank and after talking to several departments, I was told that they only process orders from US Government agencies and have no personal information on recipient. I checked - there is no one in our area with this name. I sent a fraud report online to our local Jobs and XXXX XXXX XXXX, but there has been no reply. I checked my credit report, but nothing shows up there. Since there has been soooo many fraudulent claims and sooo much money has been lost - I think it's been Billions!!! - I want to be sure that our address or other info hasn't been compromised!! 
Tell me what to do with this XXXX debit card, I have been uneasy about just throwing it away. Name on card XXXX XXXX # XXXX XXXX XXXX XXXX exp. XX/XX/24 Thank you for your prompt reply!!

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 2021-03-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Frost-Arnett Company
State: CO

Complaint narrative:
Frost-Arnett date of demand for payment XX/XX/XXXX. My medical debt was paid directly to XXXX XXXX XXXX XXXX and cleared the bank on XX/XX/XXXX. This debt has been sold several times and is a been falsely reported to the credit Bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 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: Foris DAX, Inc.
State: CA

Complaint narrative:
I spoke with a crypto.com representative about my inability to recieve my card I applied for and provided the proper documents and never heard anything back from your company..at the time I was in the process of moving and used my business address, I also sent the proper documents..now im at my new location and still have not received my XXXX XXXX card. My name is XXXX XXXX and my new address is XXXX XXXX XXXX XXXX CA.XXXX. Please fix my issues..

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 2021-03-20 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 found out about these fraudulent accounts and activites and inquiries when I just looked at my credit report on XX/XX/XXXX these accounts and inquiries are not mines back in XX/XX/XXXX I had lost my social security drives license and birth certificate and ever since I'm getting fraud XXXX account # that begins with XXXX with a negative balance of {$0.00} is fraud XXXX XXXX account # that begins with XXXX Balance with {$1300.00} is fraud XXXX XXXX XXXX account # that begins with XXXX Balance {$400.00} XXXX XXXX account ending XXXX is a fraudulent account Also fraudulent inquiries that are on my credit report I never authorized these inquiries XXXX XX/XX/XXXX. 
XXXX  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XXXX XXXX. XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: WA

Complaint narrative:
Affirm has claimed several accounts on my credit that I never made. I have tried to contact several times as well as dispute and XXXX  said they certified it which I have never seen. This is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: NJ

Complaint narrative:
I received a VISA Vanilla Gift Card for {$75.00} given to us on XXXX XXXX XXXX. I understand that XXXX XXXX XXXX is the overall company. When I went to use it at a restaurant on XX/XX/XXXX the card was declined 3 times. Then I called the number on the back of the card and was told online that the card was good for {$75.00}. So I gave it back to the waitress plus cash to pay for the meal and tip. It was declined 3 more times. So I paid with a different card. When I got home I called the number on the back of the card one more time to speak to someone about the problem. They started talking about a 20 % hold at restaurants etc. I asked to speak to a supervisor. I read the entire back of the cardboard container in which the card came. Nothing indicated that the card was only worth {$62.00} not {$75.00}. Also, it specifically stated " No Fees After Purchase ''. The supervisor hung up on me. So at this point I don't know what the card is actually worth or if I can use it anywhere without being held to the {$62.00} amount or if even that is not available. The XXXX XXXX XXXX has a one star evaluation on this company. It was a gift or so I thought.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX reported a business account late on my personal credit. I was not aware that any amount of money was owed on this Business credit card. My office has been closed since XX/XX/2020 due to the pandemic! I take pride in my credit and have NEVER paid any account late. This particular card is not used often and once the last payment was mailed XX/XX/2020 i thought the card had a {$0.00} balance. I just received notification from XXXX to say check my account because a notice was sent regarding them closing my account for none payment. That same day i paid the account in full and asked to speak with a manager regarding the 30 day late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX reported a business account late on my personal credit. I was not aware that any amount of money was owed on this Business credit card. My office has been closed since XX/XX/2020 due to the pandemic! I take pride in my credit and have NEVER paid any account late. This particular card is not used often and once the last payment was mailed XX/XX/2020 i thought the card had a {$0.00} balance. I just received notification from XXXX to say check my account because a notice was sent regarding them closing my account for none payment. That same day i paid the account in full and asked to speak with a manager regarding the 30 day late payment.

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 2021-03-20 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX reported a business account late on my personal credit. I was not aware that any amount of money was owed on this Business credit card. My office has been closed since XX/XX/2020 due to the pandemic! I take pride in my credit and have NEVER paid any account late. This particular card is not used often and once the last payment was mailed XX/XX/2020 i thought the card had a {$0.00} balance. I just received notification from XXXX to say check my account because a notice was sent regarding them closing my account for none payment. That same day i paid the account in full and asked to speak with a manager regarding the 30 day late payment.

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 2021-03-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nelnet, Inc.
State: PA

Complaint narrative:
An affidavit of truth was sent to GREAT LAKES and received by them on XX/XX/21 along with a invoice for the amount due for laws violated. A letter was then sent back to me stating that they would respond in 30 days as this is not a proper response for an affidavit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Attention all! Never ever buy a product fromXXXX XXXX  I repeat never ever buy an XXXX appliance EVER from them or through The Home Depot I bought a $ XXXX XXXX refrigerator in XX/XX/XXXX brand new through The Home Depot wasnt received until XX/XX/XXXX Stopped working all together XX/XX/XXXX literally unusable not cooling or freezing. XXXX wont fix it, replace it or respond. Says part ordered for over a month. XXXX Contractor was super nice and helpful but said hands are tied and has to be replaced and with the office.. Multiple calls and emails and no one responds and Home Depot says not their problem since its been purchased under a year and falls under manufactur warranty and I bought the extended warranty and purchased on my Home Depot credit card. I am now over a month without a working applicance and no support from XXXX XXXX or XXXX stay far away!!! I had them remove my old appliance when they delivered my new one so now I am without appliance! does anyone have a connection at either place that can help me actually get my appliance replaced or my money refunded so I can buy a new one?

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