vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Northwood Asset Management Group
State: TN

Complaint narrative:
This company is harassing my father with calls to contact me even though they have my number. My father has XXXX and is tired of them calling his phone. I have told them repeatedly to not call. I don't even know how they got his number as I didn't use him as a reference and didn't list him as a co-signor. I want to verify how they got his personal information as it is now a privacy concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION
State: CA

Complaint narrative:
I recently applied for an apartment through the XXXX XXXX housing Authority and was denied due to an eviction. However I had this particular judgment removed off of my credit reports almost 4 years ago due to inaccuracies in the amounts and also spelling of the names. I contacted the XXXX superior courthouse to get all of the information to take care of this judgment so I can provide a roof over my childrens heads and they gave me the information for the account holder which is the eviction center who represented the previous landlord and this landlord is no longer a client with them and they have no way to contact him since he owes the company money. I have the emails from the eviction center stating they have no contact with him and have not been able to forward my information to him. Please help me figure this out Im going to end up homeless with my XXXX kids and Im a single parent. Thank you and XXXX bless.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: OR

Complaint narrative:
On XX/XX/XXXX, my husband and I attempted to buy tickets on XXXX for the XXXX game. We sent the money to a XXXX XXXX who requested to be sent friends and family who never responded to our follow up messages. I reported it to PayPal as fraudulent and they said nothing was fraudulent about it. My bank was also aware of it that same day.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 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: GA

Complaint narrative:
Equifax is doing their normal delay tactic. You all know the current administration is stopping you from investigating XXXX Loans and their servicers. I'm currently in the process of the disputing the validation and verification of debt with XXXX and XXXX. I sent in paperwork in to the CFPB describing my request. Please see my history. 

After XXXX and XXXX did not provide me with the request XXXX Note for the loans ; in addition, to certified documents of calculations stamped by a notary. I sent mail to the credit agencies to remove this information off my credit report. I sent Equifax, XXXX, and XXXX the entire paper trail of when the I requested this information from XXXX and XXXX. 

The paper trail consisted of certified mail letters that started on XX/XX/XXXX. This information was sent directly with XXXX and XXXX. Now the credit agencies would get a verification that really never takes and say contact XXXX and XXXX directly, so I did that first then provide the credit agencies with the paper trail along with certified letter numbers : Equifax : XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX Here is the confusing part. I CURRENT USE EQUIFAX MONITORING SYSTEM to monitor my credit report. However, once I sent in this information to remove these loan off my credit report, now they can not locate my credit file ... My use name in there I system XXXX and the pull report at lease twice a month. I have attached the delay letter they sent me and I will attach a copy of my credit report Equifax. 

Here is a suggestion, if you are having issues with getting information from the Department of Education then I believe you hold the credit agencies liable for publishing this falsified information from XXXX XXXX XXXX especially after the have been provide all of the paperwork of communication directly with the servicer and the servicer has not delivered on within the time frame and provide false document mentation. 

Please the letter Equifax sent talking about they can not locate a credit file within there system with information I sent in regards to name and address ; however, you see on the Equifax report SHOWS MY NAME THE EXACT SAME ON THE CREDIT REPORT FROM THE THEIR SITE ALONG WITH THE ADDRESS ... Please investigate them ASAP. Again have attached my report Equifax along with mail I received from them stating they could not find my file. 

Also, see the last complaint I made to the CFPB about XXXX and XXXX. The history of communication is on the site. I do not have agreement with XXXX or XXXX, so please remove the accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I PAID FOR MY ACCOUNT ACCESS WITH EXPERIAN membership XX/XX/XXXX/XX/XX/XXXX/2019..and STILL HAVEN'T BEEN ABLE TO LOG INTO MY ACCOUNT, I HAVE COMPLAINED TO COMPANY AND RECIEVED COMPLAINT NUMBER. - # XXXX.I HAVE ENCLOSED A SCREEN SHOT THAT THEY REQUESTED IN EMAIL AND STILL HAVEN'T RESOLVED THIS MATTER..

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 2019-05-21 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: NY

Complaint narrative:
I am filing this complaint as it seems like Equifax is blatantly ignoring my requests to delete a bankruptcy Chapter XXXX # XXXX that is on my report. On XX/XX/XXXX I sent a dispute to delete this bankruptcy informing them of all the errors that this entry had and on XX/XX/XXXX they sent me a response via mail stating that it was verified through XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, GA XXXX. On XX/XX/XXXX I sent a method of verification to which they replied on XX/XX/XXXX without providing any information except that it was verified via XXXX. I then sent another dispute via certified mail on XX/XX/XXXX requesting for the removal of said bankruptcy because it was not verified, I included the letter from the Bankruptcy Court stating that the court DO NOT provide information regarding bankruptcies to the credit bureaus, and on XX/XX/XXXX, past the 30 days for response, Equifax sent me another letter stating that it was verified via XXXX. On XX/XX/XXXX I sent a final letter asking Equifax to delete this entry because it has not been verified after all my previous correspondence, along with the letter from the Bankruptcy Court, and parts of my report with XXXX where it shows that there is no entry related to a bankruptcy. To my disappointment, on XX/XX/XXXX Equifax replied stating that it was verified via XXXX. 
On XX/XX/XXXX I spoke with a supervisor at Equifax and this person was telling me that XXXX inserted this Bankruptcy on my report, which seems strange because it should come directly from the bankruptcy court. Then this person proceeded to say that in case there was no bankruptcy in my XXXX XXXX report, then XXXX needed to inform Equifax and IT WAS NOT Equifax JOB TO INVESTIGATE this entry. 
How can Equifax not provide method of verification?, how can I know for a fact that they did a comprehensible investigation if according to the last representative I spoke with, Equifax DOES NOT INVESTIGATE?, and if they verified/checked XXXX, and there is no bankruptcy on my file ( for which I provided proof ), they are still stating that the bankruptcy was verified via a 3rd party company that does not have this bankruptcy in my credit file? therefore I DEMAND THAT THIS BANKRUPTCY BE DELETED from my report IMMEDIATELY. I am attaching all the correspondence I sent to them as well as the companys response ( in which they repeatedly states that XXXX was used to verify this bankruptcy ). It seems like they are LYING and not conducting an investigation AT ALL. 
I don't think that at this point there should be no additional investigation ( Equifax had 3 months to actually provide proof/verification/reach out to XXXX XXXX and it is clear that they are not doing this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
On XX/XX/2019 my wife purchased an item from XXXX XXXX XXXX. The purchase price was originally {$27.00} or {$28.00} USD. When the charge finally posted to our credit card, it was a charge for {$99.00} USD. She messaged the place that charged our card, and told them they were committing fraud, and we wanted to CANCEL the product, and be issued a refund. They said it could take up to 15 days. Seeing as how they have already committed fraudulent charges on our account, we weren't taking chances. So I notified Synchrony Bank our credit card issuer of the problem, disputed the charge as FRAUD. Lets fast forward to XX/XX/2019. Synchrony still has to reverse or remove the charges, has told us it will take up to 2 billing cycles to resolve the fraudulent charge, take 2 days to respond to any email, and now I can't see my messages on their website. I have had credit cards in the past, and never have I had such a hassle dealing with a company to get a fraudulent charge removed from my statement. Most places are like ok, sign the affidavit, and its done. I had a card opened and closed with a XXXX USD balance. That was fraud, and it took less than a month for it to be resolved. XXXX is a long ways from 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 monetary relief
Consumer complaint received 2019-05-21 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: CA

Complaint narrative:
This is my second complaint file with the CFPB against XXXX XXXX. They are reporting an account on my credit report as a tradeline instead of an inquiry. I never received money from them. After my first complaint, they reached out to me by phone and stated they are unable to respond to my complaint by letter/mail ; even though, it is stated by law this must happened. The representative who called me wanted to verify information with me over the phone, I mentioned to him, they have all the information they needed, but if they were missing information to please requested in writing. I asked him to please respond to the several letters that I had sent them, and he continued to decline to follow through with the request to submit their response by letter. I do not know what else to do. I have not received a single letter from them since they reported that account inaccurately on my credit report. The credit bureau is also ignoring FCRA guidelines, and it is not removing it from the credit response despite my several attempts to showed them XXXX XXXX did not respond to me in a timely matter. XXXX XXXX is using deceptive practices to report inaccurate information on my credit report, and this is affecting me. How else could you help me with this issue?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 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: GA

Complaint narrative:
XXXX is doing their normal delay tactic. You all know the current administration is stopping you from investigating Student Loans and their servicers. I'm currently in the process of the disputing the validation and verification of debt with XXXX and XXXX. I sent in paperwork in to the CFPB describing my request. Please see my history. 

After XXXX and XXXX did not provide me with the request Promissory Note for the loans ; in addition, to certified documents of calculations stamped by a notary. I sent mail to the credit agencies to remove this information off my credit report. I sent XXXX, TransUnion, and XXXX the entire paper trail of when the I requested this information from XXXX and XXXX. 

The paper trail consisted of certified mail letters that started on XX/XX/XXXX. This information was sent directly with XXXX and XXXX. Now the credit agencies would get a verification that really never takes and say contact XXXX and XXXX directly, so I did that first then provide the credit agencies with the paper trail along with certified letter numbers : XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX TransUnion : XXXX XXXX XXXX XXXX XXXX Here is the confusing part. I CURRENT USE XXXX MONITORING SYSTEM to monitor my credit report. However, once I sent in this information to remove these loan off my credit report, now they can not locate my credit file ... My use name in there I system XXXX and the pull report at lease twice a month. I have attached the delay letter they sent me and I will attach a copy of my credit report XXXX. 

Here is a suggestion, if you are having issues with getting information from the Department of Education then I believe you hold the credit agencies liable for publishing this falsified information from XXXX XXXX XXXX especially after the have been provide all of the paperwork of communication directly with the servicer and the servicer has not delivered on within the time frame and provide false document mentation. 

Please the letter XXXX sent talking about they can not locate a credit file within there system with information I sent in regards to name and address ; however, you see on the XXXX  report SHOWS MY NAME THE EXACT SAME ON THE CREDIT REPORT FROM THE THEIR SITE ALONG WITH THE ADDRESS ... Please investigate them ASAP. Again have attached my report XXXX along with mail I received from them stating they could not find my file. 

Also, see the last complaint I made to the CFPB about XXXX and XXXX. The history of communication is on the site. I do not have agreement with XXXX or XXXX, so please remove the accounts.

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 2019-05-21 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: GA

Complaint narrative:
XXXX is doing their normal delay tactic. You all know the current administration is stopping you from investigating Student Loans and their servicers. I'm currently in the process of the disputing the validation and verification of debt with XXXX and XXXX. I sent in paperwork in to the CFPB describing my request. Please see my history. 

After XXXX and XXXX did not provide me with the request Promissory Note for the loans ; in addition, to certified documents of calculations stamped by a notary. I sent mail to the credit agencies to remove this information off my credit report. I sent XXXX, XXXX, and Experian the entire paper trail of when the I requested this information from XXXX and XXXX. 

The paper trail consisted of certified mail letters that started on XX/XX/XXXX. This information was sent directly with XXXX and XXXX. Now the credit agencies would get a verification that really never takes and say contact XXXX and XXXX directly, so I did that first then provide the credit agencies with the paper trail along with certified letter numbers : XXXX : XXXX XXXX XXXX XXXX Experian : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX Here is the confusing part. I CURRENT USE XXXX MONITORING SYSTEM to monitor my credit report. However, once I sent in this information to remove these loan off my credit report, now they can not locate my credit file ... My use name in there I system XXXX and the pull report at lease twice a month. I have attached the delay letter they sent me and I will attach a copy of my credit report XXXX. 

Here is a suggestion, if you are having issues with getting information from the Department of Education then I believe you hold the credit agencies liable for publishing this falsified information from Student Loan Services especially after the have been provide all of the paperwork of communication directly with the servicer and the servicer has not delivered on within the time frame and provide false document mentation. 

Please the letter XXXX sent talking about they can not locate a credit file within there system with information I sent in regards to name and address ; however, you see on the XXXX report SHOWS MY NAME THE EXACT SAME ON THE CREDIT REPORT FROM THE THEIR SITE ALONG WITH THE ADDRESS ... Please investigate them ASAP. Again have attached my report XXXX along with mail I received from them stating they could not find my file. 

Also, see the last complaint I made to the CFPB about XXXX and XXXX. The history of communication is on the site. I do not have agreement with XXXX or XXXX, so please remove the accounts.

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 2019-05-21 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recovery Associates LLC is fraudulently reporting an alleged debt on my credit report as being a Factoring Company Account which it is not. I have never entered into relationship or agreement with Portfolio Recovery Associates LLC at anytime or in any way. This is an attempt by them to skirt the FDCPA and is a violation of the FCRA and other applicable federal and state laws. According to the CFPB Consent Order File No. XXXX dated XX/XX/2015 Portfolio Recovery Associates LLC is a covered person and a debt collector and is subject to FDCPA. 

By fraudulent listing my account as Factoring Company Account they are making a false representation and committing gross fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
CFPB reference number XXXX Information requested for XXXX XXXX/Merchant DBA name XXXX XXXX XXXX Invoice from XXXX XXXX XXXX XXXX ( XXXX ) Unclaimed Payment ( XXXX ) XXXX, XXXX XXXX billing transfer account number Government Office of XXXX XXXX Administrative file number XXXX  XXXX. 
Registrar

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I had fallen behind on my payments with Nordstrom who is partnered with XXXX XXXX for these types of situations. I set up a payment plan in XX/XX/2019 to defer from my account being charged off, no late fees and being reported as paying on time monthly.The payments of {$100.00} would be charged for 3 months, I would NOT receive late fees, and my credit report will be reporting that I am paying ON TIME. However, that is not the case. I had contacted them in late XXXX  about this situation as I kept seeing additional charges and my credit is still being effected. I asked for the call to be pulled and it was. I followed up on XX/XX/XXXX at XXXX XXXX and spoke to a manager from the collection agency who informed me that she needs to confer with the other managers and call me back. She never called me back so I called again on XX/XX/XXXX at XXXX and spoke to another manager at the collection agency about the pulled call. She informed me that I was correct about the agent informing me NO late fees will incur and about it being reported to the credit bureaus as ON TIME. Yet, she said no changes will be made until after the 3rd payment which I advised her already happened. She told me to just be patient, which is not okay. 
I later received a letter that I have another payment coming out in XX/XX/XXXX for {$100.00} which would make it 5 payments NOT 3. It is illegal to continuously incorrectly bill me and report incorrect information to the credit bureaus since XX/XX/2019.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: HI

Complaint narrative:
In XX/XX/2018 me and my wife realized our dream of owning a house. We utilized our VA loan both being Veterans. Loandepot.com was what our realestate agent used to procure our loan. However if I would have known I was going to be subsequently harassed with refinance offers from business such as XXXX XXXX XXXX stating that I have some hidden benefit that I am not using. This is a total lie they are trying to get us to refinance which is going upside down on a mortgage payment. I have contacted them numerous times to stop sending me these ads. I feel bad because they are likely to get someone less educated tricking them into financial destitution. This is not right. They should not be allowed to prey on homeowners.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation