vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Transunion keeps taking point from me after taking balances down to 1 % or XXXX dollar amount.

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 2020-09-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: MO

Complaint narrative:
Phh Mortgage did remove the ex husband name and sent me the proper mortgage mod papers to sign and notarize and send back. I did my part and sent back first week of XX/XX/XXXX..they were due by XXXX XXXX..was just on the phone trying to find out when it will be completed and transferred over to new lender!! No one can really tell me anything but just to speak to a Relationship manager specialist, which seems useless when they are never available, and have to call me back. So I play phone tag and the process repeats. I need to get my loan mod in the system and transferred over to new lender so new lender knows what is going on as they don't! All this went down when loan was being transferred, this is not my fault, this is the lenders. Can someone please get this mess figured out and get my correct loan info updated into system  now with XXXX XXXX, so my account can show current and new payments, interest rate etc is correctly updated in the system. I'm starting to feel like some serious fraud is going on here.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Sir i booked for XXXX travel to XXXX where sfo to XXXX alaska XXXX will take there after from XXXX to XXXX. XXXX will take responsibility but XXXX chaged the travel date to XXXX so they provided full refund coz they provided cancellation option with full refund but XXXX XXXX saying they refunded but citi credit card guys saying we don't know what XXXX XXXX saying they refunded on XXXX but citicredit saying they don't know my money stucked between two biggest corporations sir please help which is XXXX $ Note : while booking XXXX deducti twice for one ticket where I opened dispute with citi they resolved & applied permanent credit but for second XXXX $ transaction XXXX refunded citi was not applying XXXX saying they refunded

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 2020-09-28 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Synergetic Communication Inc
State: VA

Complaint narrative:
On XX/XX/XXXX I've submitted CFPB complaint # XXXX against XXXX XXXX XXXX XXXX ( XXXX ) which reported me to the credit monitoring agencies on XX/XX/XXXX as having a " major delinquency '' for me not paying them {$100.00} without ever sending me a bill or any other form of notification about it. I found out about this fact only on XX/XX/XXXX from a credit report sent to me by my financial institution where I'm trying to refinance my mortgage. Since then I've tried to mitigate the issue with XXXX  via numerous telephone conversations where their representatives have admitted having a wrong house number for my address, which is not true because I have a letter from XXXX accompanying a title of purchase by me from them previously leased vehicle dated XX/XX/XXXX with my correct address. This is a classical case of XXXX   practicing " parking the small debt with a debt collector and reporting a consumer to the credit agency without expending resources to contact a targeted consumer who'll find out about the debt only when doing some activity requiring a credit report. When on XX/XX/XXXX first contacting XXXX  via telephone about this matter I was transferred without a warning to a collection agent who initially didn't clearly identify herself but collected all my personally identifiable information. Only at the end of the conversation I found out that who she was. I asked her why didn't her collection agency never send me a bill which was reported to them according to the credit report on XX/XX/XXXX. She said that they had a wrong house number for my address on their files. How is this my fault? After this phone call I received a first ever letter ( attached ) dated XX/XX/XXXX from this debt collection agency called Synergetic Communication, Inc. ( SCI ) demanding for me to pay {$100.00} where the Original Creditor is XXXX, without any explanation what I was billed for. I have not received a bill explaining the {$100.00} charge from either company to this date. I did contact SCI via telephone, left a voicemail identifying myself, stating the issue and asking to call me back. No one has called me back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
I received a XX/XX/20 Bank of America Escrow Account Disclosure Statement giving me payment options. I issued a {$480.00} check for the escrow account shortfall which wasn't received on time of their required date. I've called several times including today to inquire where/how that extra money was applied to my account. Bank of  America doesn't answer their Customer Service Line XXXX phone number. I've stayed on hold waiting for a person an entire work day. They suggest going on line to get questions answered. I do not have an online account created. Their website doesn't allow for a new account unless you want to buy or refinance a house. They do not allow for general online questioning using the account number either. They have totally isolated themselves from communicating with the individual unless you are going to purchase their services. I still want my question answered.

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 2020-09-28 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MO

Complaint narrative:
Select portfolio servicing is going to STEAL {$250000.00} from me tomorrow.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 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: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I am currently in the process of trading in my vehicle and have my current auto loan with People 's United Bank N.A. For the past 3 weeks, I've called their customer service 6 times to request a payoff letter be sent to me. Each time I've gotten the same answer - that it would be sent to my email on file within 24 hours. Out of the many, many times I was told this, I only received one email and it was just a monthly loan statement, which does not include the payoff amount. Throughout these past three weeks, I spoke to two managers who allegedly " escalated the issue '' and yet, I have not been contacted with any new information on this issue and am constantly getting dismissed. As I am writing this explanation, I was just hung up on by a manager who was allegedly " escalating it to her supervisor ''. This bank is ridiculous and should be out of business. Not sure how it's so difficult to receive a payoff letter. I am very computer savvy and would be able to get this online, except it's not an option. Their website mentions " For information on how to make a payment or for payoff instructions, please visit our Help Center. '' When I visit the Help Center, there is not a single piece of information on payoff information. I will never do business with this bank again and hope no one else has to deal with such incompetence.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX  XXXX put a collection on my account dating back to XXXX. Originally it said XXXX XXXX and it now says XXXX. I was not aware of this until XXXX when I checked my credit. I sent a request to the credit bureau TransUnion to verify the validity. On XX/XX/XXXX I requested an investigation regarding inaccurate/erroneous items on my credit file that were being reported illegally. On XX/XX/XXXX TransUnion sent a letter stating that they had completed the investigation and the items were not deleted, as requested. On XX/XX/XXXX I sent a 2nd request for method of verification to send me all documentation provided by agency with my signature verifying this account is mine. On XX/XX/XXXX they sent a letter saying I needed to verify with the collection agency myself. I contacted XXXX XXXX, XX/XX/XXXX and asked for validation of debt. XXXX XXXX, sent in response a collection notice. I followed up on XX/XX/XXXX with a Certified letter with proof of receipt asking for debt validation. In the letter I gave them 15 days to send this verification. As of this date I have received nothing from them. This is unacceptable!

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 2020-09-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
XX/XX/2020 Someone hacked my paypal account and made multiple transactions to a total of {$1600.00} XXXX {$1000.00} paypal Instant tranfer to a prepaid visa card, which is not mine & {$660.00} from my bank Creditcard to a person named XXXX XXXX ( XXXX ). 
At the same time, this person has faked sending multiple amounts to my account and put all of them on-hold. 
Below are the amounts sent to me and put on hold Pending : XXXX XXXX + {$600.00} ON HOLD XX/XX/XXXX Held Money Received XXXX XXXX + {$650.00} ON HOLD XX/XX/XXXX Held Money Received XXXX XXXX + {$650.00} ON HOLD XX/XX/XXXX Held Money Received XXXX XXXX + {$200.00} ON HOLD XX/XX/XXXX Held Money Received XXXX XXXX + {$350.00} ON HOLD XX/XX/XXXX Held Money Received XXXX XXXX + {$500.00} ON HOLD XX/XX/XXXX Held Money Received Completed : VISA Card -  negative {$1000.00} XX/XX/XXXX Instant transfer using Card VISA Card XXXX XXXX - negative {$660.00} XX/XX/XXXX Money Sent These transactions were made @ XXXX while, I was out away from phones & computers, so no online activity from myside. 

It took a while to know what was happening and the first thing I did was to change the password for paypal account. 

Disputed the transaction ( Case : XXXXXXXX ) @ XXXX, hoping for a positive resolution and got a response @ XXXX that it is NOT unauthorized and denied my dispute. 
I tried calling paypal customer service ( for 3 consecutive days ) staying in the line for hours but no luck. Paypal agent mentioned that the person who did the fraud has claimed a dispute against me saying, I sold something to him and he didn't receive the product. Now paypal is investigating his dispute and declined my dispute transaction as authorized. Paypal is waiting for me to respond on his dispute, not sure what I can do here. 

I responded to my declined dispute email to provide evidence, on what basis my dispute is declined but haven't heard from Paypal yet. 
I even reported to local police station for record purpose and also reported to Complaint Referral Form Internet Crime Complaint Center. 

I couldn't reach the department which looks into Unauthorized transactions and help me resolve the issue, that is the reason I am here raising a complaint to reach Paypal team.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-28 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: NJ

Complaint narrative:
XXXX NEEDS TO DELETED XXXX NEEDS TO BE DELETED THESE ARE NOT MY ACCOUNTS I WAS FORCED TO PAY. THEY PROMISED TO DELETE THESE ACCOUNTS ITS DESTROYING MY LIFE AND MY FAMILY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 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: HYUNDAI CAPITAL AMERICA
State: NJ

Complaint narrative:
KIA NEEDS TO DELETED XXXX NEEDS TO BE DELETED THESE ARE NOT MY ACCOUNTS I WAS FORCED TO PAY. THEY PROMISED TO DELETE THESE ACCOUNTS ITS DESTROYING MY LIFE AND MY FAMILY.

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 2020-09-28 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: NY

Complaint narrative:
This account is more than 7 years old and more than 7 years has passed since the account first went delinquent

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 2020-09-28 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: MO

Complaint narrative:
XXXX XXXX XXXX placed a Collections items of {$410.00} on my Credit Report dropping my Credit Score by 42 points in error. XXXX XXXX has pulled the account from XXXX XXXX XXXX as of XXXX. They didnt billed the correct Insurance company and balance is {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
submitted claim for Hardship Covid 19 company accepted and asked for settlement I complied and company has no record of payment but I do.

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 2020-09-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC
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 explanation
Consumer complaint received 2020-09-28 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: The CBE Group, Inc.
State: NC

Complaint narrative:
I pulled my credit report and I have multiple hard inquires from unknown sources I never did business with them and I need them removed.. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681 1I ( a ) ], these disputed items must be investigated or deleted from my report record in 30 days.  During the investigation. The items I am disputing must be removed from my credit report as the mere reporting of these items prior to Debt validation constitutes collection activity. I am also requesting my name and addresses and telephone numbers be updated in any other names and addresses and telephone numbers that do not belong to me be removed as well. The following accounts in dispute are listed below Hard inquries that need removed I have never done business with them XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX  XXXX Unknown company needs removed CBE GROUP Also are not allowing me to pull copies of my credit report but will sell my information to third parties such as XXXX XXXX that's how I found all of this information on my credit I will be listing them in the documents proportion additionally I am allowed under the HIPAA law that health insurance probability and accountability Act of 1996, to protect my rights and privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX XXXX  to share my information. It is only to be revealed with the patient 's authorization there for my request is to fold and as follows I would like to be provided validation of debt and HIPAA authorization 1. Please provide breakdowns and fees included any collections cause and medical charges also provide a copy of my signature with the provider of the service to release my medical information to you. 
XXXX XXXX XXXX XXXX Please delete all hard inquires listed in documents and above.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I pulled my credit report and I have multiple hard inquires from unknown sources I never did business with them and I need them removed.. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681 1I ( a ) ], these disputed items must be investigated or deleted from my report record in 30 days. During the investigation. The items I am disputing must be removed from my credit report as the mere reporting of these items prior to Debt validation constitutes collection activity. I am also requesting my name and addresses and telephone numbers be updated in any other names and addresses and telephone numbers that do not belong to me be removed as well. The following accounts in dispute are listed below Hard inquries that need removed I have never done business with them XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Unknown company needs removed XXXX XXXX Also are not allowing me to pull copies of my credit report but will sell my information to third parties such as XXXX XXXX that's how I found all of this information on my credit I will be listing them in the documents proportion additionally I am allowed under the HIPAA law that health insurance probability and accountability Act of 1996, to protect my rights and privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX XXXX  to share my information. It is only to be revealed with the patient 's authorization there for my request is to fold and as follows I would like to be provided validation of debt and HIPAA authorization 1. Please provide breakdowns and fees included any collections cause and medical charges also provide a copy of my signature with the provider of the service to release my medical information to you. 
XXXX XXXX XXXXXXXX XXXX Please delete all hard inquires listed in documents and above.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XXXX XXXX, 2020, I disputed the information provided to XXXX by Neiman Marcus, serviced by XXXX  XXXX. At XXXX XXXX  on XXXX XXXX, 2020, I received an email from XXXX  confirming they received my dispute. On XX/XX/2020 at XXXX XXXX, I received an email stating the dispute investigation was complete. XXXX  reports the information is confirmed and correct. When I went to dispute again online, XXXX  's site did not allow me to dispute it again, stating they dispute was complete and I was not allowed again. Their investigation took less than 12 hours in the middle of the night. What was their method of confirming this data to be correct?! In the meantime, I have inaccurate information that is on my credit report that XXXX does not allow me to dispute again. 

On XX/XX/2020 I called the contact information for Neiman Marcus/XXXX  XXXX listed on the XXXX  credit report. When I called the number, it first asked for my account number. The account has been closed for many years. I finally got through to a representative named XXXX. She was unable to look up any information in regard to my account since it had been closed for many years. She then provided a telephone number at XXXX XXXX. I spoke with XXXX and he was unable to help me since the account has been closed and the reporting is done by Neiman Marcus. He transferred me back to Neiman Marcus, which sent me back into the same loop. 

Neiman Marcus, XXXX XXXX can not even find my account information to verify or correct the inaccurate information provided to the credit bureaus. XXXX investigates the dispute within 12 hours and verifies this inaccurate information that Neiman Marcus and XXXX XXXX can not even find. 

My credit score is adversely affected by the misinformation provided by either Neiman Marcus or XXXX XXXX or both. XXXX  falsely reports and falsely verifies false inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-28 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Incorrect amount balance

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation