vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-25 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: OH

Complaint narrative:
Recently paid off collection with XXXX XXXX  ( XXXX ) I was sent a letter stating that once last payment is made they would send deletion letter. Received deletion letter so I sent to Experian Because XXXX XXXX has been removed but XXXX is still on report and showing as derogatory I would like for XXXX to be removed ASAP as this not legal for original creditor still reporting on 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 2020-09-25 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
THIS IS IN REFERENCE TO A NFCU CREDIT CARD WITHA BALANCE OF XXXX I HAVE ADVISED CRDEIT REPORTING COMPANIES XXXX, XXXX  AND XXXX  THAT THIS IS A DUPLICATE ACCOUNT. THEY ALL KEEP VERIFYING IT AS ACCURATE. NFCU HAS CONCEDED THAT IT IS BEING REPORTED INACCURATELEY YET THEY VERIFIED IT AS ACCURATE WITH THE BUREAUS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-25 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: WY

Complaint narrative:
I placed order for sandals and Paypal was used as conduit for payment. I was not informed that the product came from XXXX and that Paypal was going to be used for payment. They took the funds from my XXXX XXXX XXXX XXXX. I would not have ordered if I knew. 

The order was place on XX/XX/2020 & I received nothing ; soon it will be 4 months. I asked for a refund on XX/XX/2020 & they have yet to refund my money ( {$28.00} ). I requested refund via their website and their ( XXXX ) XXXXnumber - which they refuse to answer. 

The transaction ID is XXXX. 

My Acct # : XXXX Merchant is XXXX XXXX XXXX XXXX XXXX, XXXX. 
Amount needed to be refunded : {$28.00} Invoice ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25 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: NJ

Complaint narrative:
I have been sending dispute letters asking for these egregious accounts from XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX to be removed from my report as they have not provide the original credit agreement or original contract I supposedly signed for these supposed debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25 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: NJ

Complaint narrative:
I have been sending dispute letters asking for these egregious accounts from XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Mortgage, XXXX XXXX, XXXX XXXX XXXX, and XXXX  XXXX   XXXX  to be removed from my report as they have not provide the original credit agreement or original contract I supposedly signed for these supposed debts.

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 2020-09-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Penfed has offered credit protection for the payment on loans in the event of being XXXX. This unfortunately has occurred and due to the false advertisement of the credit union who is subcontracting the credit debt protection is not honoring the matter. I was involved in XXXX  XXXX  which are distinct and separate. One matter I had to ask for help at the courts and now I have a second claim for the XXXX due to a XXXX  accident. The Credit Union has not fulfilled their promise and is advertising a program to their own self interest. I feel that as a credit union and being a member and not a customer their is a inherent responsibility for the organization to help me. Penfed has allowed a subcontracted insurance company to deny, delay and defend against payment on claim. They have not been presenting the offering honestly on the web page and the company that they subcontracted to as a insurance company has been beyond difficult to deal with and even blames the credit union for not having the policy and have not fulfilled the promise. 
A advertised item that is provided by the credit union should be honored by the credit union. The hands off approach is not only not fair but it also has been paid for. I have no clear answer on denied claim. My accident happened in XX/XX/2020 for this complaint so it is new. The company has the documents and I submitted them with a new form they created on XXXX 2020. This form is modified from the original document for XXXX which should be the standard. The changes made were significant and more intrusive so that the insurance company can deny the claim. I am asking for help as I am suffering a hardship due to a XXXX and XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
Early 2020 - fraud charges XX/XX/2020 - Fraud reported within 60 days per the law XX/XX/XXXX - Determined no error occured XXXX - requested complete copy of investigation - was sent nothing except a blank " affadavit of fraud '' This was returned XX/XX/XXXX - told the account was charge off and charges a fee XXXX - threatened to report me to credit bureaus SunTrust is the most corrupt organization I have ever encountered

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 2020-09-25 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:
I have been sending dispute letters asking for these egregious accounts from XXXX XXXX XXXX XXXX, XXXX  XXXX  XXXX, and XXXX XXXX Bank-XXXX  to be removed from my report as they have not provide the original credit agreement or original contract I supposedly signed for these supposed debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25 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:
I have been sending dispute letters asking for these egregious accounts from XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX Bank-XXXX  to be removed from my report as they have not provide the original credit agreement or original contract I supposedly signed for these supposed debts.

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 2020-09-25 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: TX

Complaint narrative:
THIS IS IN REFERENCE TO A XXXX  CREDIT CARD WITHA BALANCE OF XXXX I HAVE ADVISED CRDEIT REPORTING COMPANIES TRANSUNION, XXXX  AND XXXX  THAT THIS IS A DUPLICATE ACCOUNT. THEY ALL KEEP VERIFYING IT AS ACCURATE. XXXX HAS CONCEDED THAT IT IS BEING REPORTED INACCURATELEY YET THEY VERIFIED IT AS ACCURATE WITH THE BUREAUS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
THIS IS IN REFERENCE TO A XXXX  CREDIT CARD WITHA BALANCE OF XXXX I HAVE ADVISED CRDEIT REPORTING COMPANIES XXXX, EQUIFAX AND XXXX  THAT THIS IS A DUPLICATE ACCOUNT. THEY ALL KEEP VERIFYING IT AS ACCURATE. XXXX HAS CONCEDED THAT IT IS BEING REPORTED INACCURATELEY YET THEY VERIFIED IT AS ACCURATE WITH THE BUREAUS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25 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: TX

Complaint narrative:
THIS IS IN REFERENCE TO A XXXX  CREDIT CARD WITHA BALANCE OF XXXX I HAVE ADVISED CRDEIT REPORTING COMPANIES XXXX, XXXX  AND EXPERIAN THAT THIS IS A DUPLICATE ACCOUNT. THEY ALL KEEP VERIFYING IT AS ACCURATE. XXXX HAS CONCEDED THAT IT IS BEING REPORTED INACCURATELEY YET THEY VERIFIED IT AS ACCURATE WITH THE BUREAUS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have been sending dispute letters asking for these egregious accounts from XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX   XXXX  to be removed from my report as they have not provide the original credit agreement or original contract I supposedly signed for these supposed debts.

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 2020-09-25 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX of 2019, XXXX XXXX XXXX XXXX XXXX XXXX - XXXX, TX added a derogatory mark on my credit profile per XXXX XXXX XXXX Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtor creditor did not verify collection. Also, there was NO written form of communication for contract or signature for this accused debt at all.

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 2020-09-25 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX of 2019, XXXX XXXX XXXX XXXX XXXX XXXX - XXXX, TX added a derogatory mark on my credit profile per XXXX  iao . Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtor creditor did not verify collection. Also, there was NO written form of communication for contract or signature for this accused debt at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
The is a public record showing on my XXXX  and Experian credit profile detailing past Bankruptcy- XXXX for XXXX and XXXX. They were both dismissed, nonetheless they show up on my credit report. 

This is unsolicited data and it shouldn't be data-mined and sold to reporting agencies and subsequently end up on my credit report. In the past I have asked these Credit Bureaus to remove these items from my report. I have spoken to the clerk of the court in which I have filed and they ensured me that they don't report this information to credit bureaus and the only way that it could be obtained was through data mining.

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 2020-09-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have recently reviewed my credit report. I noticed that there is a late payment shown for XX/XX/2020 for the Home Depot Credit Card.

I have always taken my credit very seriously. I try to pay off my balance before the end of every month - before the due date. In fact, my current balance is {$0.00} with this account. During COVID-19 Pandemic, I was overwhelmed by obligations with family, work, home, kids, and health. It was a very difficult time. I even had to temporarily request for payment waiver ( aka forbearance ) for this Home Depot account.

I called Home Depot when I explained my situation, Home Depot  Representative, XXXX, said there was indeed a late fee Reversal on XX/XX/2020, but they could not remove the late payment from my history even though there I had forbearance on my account. 

I am not sure what is going on exactly. But I am requesting to have this late payment mark remove from my credit report. I will take full responsibility for fault for this situation but I would like to have the case reconsidered and remove the negative mark.

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 2020-09-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Holloway Credit Solutions
State: AL

Complaint narrative:
I recently obtained a copy of my credit report and noticed many accounts that I had no knowledge of.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I have previously filed a complaint with CFPB in regards to a credit freeze Equifax had half of Americans put on there credit when the had a data Breach. Now no one is able to get this credit freeze removed. Equifax sent me a form to fill out after my complain with CFPB which I promptly filled out and sent back to them with the needed information. They still have not removed the credit freeze. If they do not remove it promptly I am seeking legal counsel from Legal Action of Wisconsin. I do not understand why they do not take this freeze off all the accounts. First they breeched our Data and now they are putting added burden on us to get the freeze removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: OK

Complaint narrative:
I had a workplace accident on XX/XX/2019. I dislocated my shoulder. Taken by ambulance to XXXX XXXX XXXX XXXX. I was in contact with my employer 's insurance. XXXX  ( XXXX, Claim XXXX ) XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  FL XXXX ) charged ME for Ambulance services, and sent the bill to Collections with ARS ACCOUNT RESOLUTIONS XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX charged ME for the ER visit. I took my claim information to XXXX, but it wasn't put in their system. I visited the business office at the Eastside XXXX  TWICE. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OK XXXX ) and sent the bill into collections with XXXX XXXX XXXX / collections at XXXX XXXX XXXX # XXXX, XXXX  XXXX, OK XXXX It had already been sent to Collections, and was out of their system I started getting calls from their collection agency. I explained that it was workman 's comp. I contacted XXXX  's, ( see above ) and they assured me that they would correct the situation with the collection agency. My credit score has dropped 300 points. and I've just blocked the collection calls. I was assured by XXXX  's that they would negotiate with collections. Through no fault of my own, I am being chased for this collection.

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 2020-09-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Adjustment Service, Inc.
State: CA

Complaint narrative:
Im member of XXXX because I have a problem with previous preaching happened with XXXX XXXX, XXXX, and XXXX. On those three Im one of them. On XX/XX/XXXX. 2020 collection agency name diversified adjustments appeared negative item on my credit file Without Out Notified me or give the right to dispute latter. in three credit bureaus and my score went down by 50points. I contacted to the agency I stated that they violated my right to dispute, after that called to the agency my calls went to voice mail and they go the name by quality insurance. Since I didnt get any latter or call from them, I feel they violated my right to dispute .Thanks

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: WESTERN UNION COMPANY, THE
State: CA

Complaint narrative:
I have a XXXX home mortgage. I signed on with a company called Paymap ( Accelerated payment program ) in XXXX or XXXX. I paid this company {$9.00} a month to accelerate my XXXX payment by making additional payments towards my principal. 

In XX/XX/XXXX I noticed the name had changed on my online statement from Paymap Inc. to EARN UP. 
Earn up was taking out {$1100.00} every 2 weeks ( where as Paymap was taking out {$980.00} every 2 weeks ). I called to inquire why an increase from {$1900.00} a month to {$2200.00} ( an increase of {$320.00} a month ). 
Earn up said they acquired Paymap on XX/XX/XXXX and they weren't removing enough . 
I cancelled the EARN up service and was refunded money due to me. 
My question is how to contact Paymap ( Payment equity accelerated ) to be refunded for the {$9.00} a month they charged me without providing the service i was paying for for years? 
According to the XXXX representative he said Paymap added XXXX cents on to my payment. 
The agreement was they would be adding enough on to my monthly mortgage payment to be equivalent to 13 payments being made instead of 12. Thank you, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25 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: VI

Complaint narrative:
There are quite a few hard inquiries showing on my credit report that was not authorized by me and therefore I am asking the credit reporting agencies to please delete them. The only ones that I know of are 1.  XXXX XXXX XXXX  XXXX 2. XXXX XXXX XXXX .3XXXX XXXX XXXX. The other hard inquiries was not authorized by 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 2020-09-25 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: WA

Complaint narrative:
This is for an account I think I opened in XXXX or XXXX, I am not sure. This account became past due because I became homeless shortly after and I could not make payments at the time until my situation improved financially. My situation improved recently, so I was able to make a settlement for my past due balance. The reason why I am filing this complaint : XXXX XXXX XXXX  and Experian has this account on my credit with the address of : XXXX XXXX XXXX XXXX XXXX, WA XXXX. This is not, or never was my residence. I tried to remove it from my credit report, Experian won't allow me to because XXXX XXXX XXXX says that address was my previous residence. This is not true. That address is for a clinic that offers help for homeless people. It's not even zoned for residential use. People don't understand, homeless people need mail too! I slept in the streets, I didn't have a residence. This address is not my residence, never was. Please remove it from that account and from my credit report. I will attach documentation.

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