vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-19 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: NY

Complaint narrative:
I used my venmo app on my phone to send XXXX to secure a purchase. After I sent the money I noticed it charged my account three times. I called and sent notice to venmo the same day. The insured me that it wouldn't be a problem, and they would handle it. Well today they sent me an email saying that they can't do anything about it. This was on XX/XX/2020. 
Transactions from XXXX XXXX XXXX XXXX. My name is XXXX XXXX XXXX. The person who received this money is not answering the phone. 
@ XXXX Last 4 digits of phone is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MA

Complaint narrative:
I called on XX/XX/2020 to inform that I had lost my income weeks prior due to XXXX response, and that I could not make the XXXX and XXXX Payments. We discussed a forbearance program where they agreed to not continue collections and to put off our due dates for 3 months. I was told they would determine how to address the forbearance when the program ended. 

I received a letter dated XX/XX/XXXX, detailing the forbearance agreement which includes a balloon payment of {$15000.00} on XX/XX/XXXX. I then received an XX/XX/XXXX letter informing me that my loan was in default. Both of these actions appear to clearly be collection activities. 

I called the company when I received the second letter, still trying to figure out how to reply to the first. On that call of XX/XX/XXXX I was informed that the loan was indeed in default because of my missed payments and that it outlined my options. 

This hardly seems to be in the spirit of the government guidelines regarding the COVID-19 emergency. I most certainly will not be in a position to pay that balloon payment on XX/XX/XXXX. 

Contradicting their Plan details, they have mentioned in the letters an ability to, at the end of the plan term, discuss Deferral, a Balloon payment or submitting applications for a repayment plan, mortgage modification, short sale or deed in lieu of foreclosure. 

I have already attempted recently to get a mortgage modification and was denied. I don't see how after this mess and under the cloud of a default I will receive a different reply.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19 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: CA

Complaint narrative:
Good afternoon, thank you for your continued service. I hereby declare all damages after XXXX-now to be transferred and fully unassociate from my social and my records. I have concluded my reporting to the fbi and XXXX  XXXX pd case XXXX. XXXX XXXX, XXXX, XXXX, and XXXX damages remain. I should be debt free, XXXX all credit scores with perfect bill payer history. I need a new ssn, drivers license #, need to move out of XXXX  under a po box for our safety, I will provide a private settlement amount. The XXXX of XXXX XXXX of XXXX XXXX  XXXX was used as the reason for the suspects to XXXX  my family and I. XXXX XXXX Account # XXXX and any association to XXXX   under my ssn is fraud. XXXX XXXX XXXX, XXXX Was created by XXXX XXXX to assist with scams and illegal child adoption and more XXXX  on innocent. 
XXXX account # : XXXX XXXX : XXXX  XXXX  XXXX XXXX, XXXX  XXXX fully controlled and used for criminal leverage and crime same with XXXX suspects claimed responsibility XXXX : XXXX I expect all damages to disappear and to be restored fully. XXXX medical records XXXX is invalid, it's only evidence of a crime report, I have no known health issues. 

Thank you for your continued service, God bless America, Remember our freedom XXXX ( no longer XXXX ) Ssn XXXX XXXX See ftc Federal trade commission and court cries for help immediate separation and settlement XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19 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: TN

Complaint narrative:
The complaint involves Equifax ; XXXX  and XXXX. The attached complaint outlines the particular instances wherein each reporting agency refuses to make corrections, damaging my creditability and interfering with trade.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: First Investors Servicing Corporation, Atlanta, GA Branch
State: MO

Complaint narrative:
I surrendered an automobile financed by first infesters they auctioned off car and said I still owe XXXX they then garnished my wages for wrong amount that was paid off and I didn't hear anything from them until six years later when XXXX says they bought a XXXX debt I didn't know I had and place this one my credit as a new delinquent account that I made a recent payment for XXXX on I've never talked to anyone from this company and never opened an account or paid them anything but the damage to my credit from this so called new account as cost me my first home it's showing now as three different XXXX debts with different open dates also XXXX XXXX shows open account that's delinquent also missed payments all show the impact to credit score doesn't fade XXXX XXXX also shows open delinquent account under 12 first financial name this is also a fake name / company just to keep the six year old debt fresh best part is after the garnishment not one of these companies have reached out to me not once in six years of higher interest rates and denied applications inflated auto insurance all because three companies show different  information a spread it out so damage continues.

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 2020-04-19 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: OH

Complaint narrative:
To Whom It May Concern, The reason for my dispute is THE FOLLOWING ACCOUNTS HAVE NEVER SENT REQUESTED LEGAL DOCUMENTATION THAT I NEED FOR MY PERSONAL REVIEW : XXXX. XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX all of them were required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). 
However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, they failed to give me my " XXXX '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and XXXX under Section807 ( 1 ) they failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation these third party collectors are held liable as well for defamation and in the state of XXXX  indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where they are in compliance with XXXX  LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. none has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19 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: OH

Complaint narrative:
To Whom It May Concern, The reason for my dispute is THE FOLLOWING ACCOUNTS HAVE NEVER SENT REQUESTED LEGAL DOCUMENTATION THAT I NEED FOR MY PERSONAL REVIEW : XXXX. XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX all of them were required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). 
However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, they failed to give me my " XXXX '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and XXXX under Section807 ( 1 ) they failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation these third party collectors are held liable as well for defamation and in the state of XXXX   indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where they are in compliance with XXXX  LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. none has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.

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 2020-04-19 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: TN

Complaint narrative:
The complaint involves XXXX  ; TransUnion and XXXX. The attached complaint outlines the particular instances wherein each reporting agency refuses to make corrections, damaging my creditability and interfering with trade.

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 2020-04-19 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: TN

Complaint narrative:
The complaint involves XXXX  ; XXXX  and Experian. The attached complaint outlines the particular instances wherein each reporting agency refuses to make corrections, damaging my creditability and interfering with trade.

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 2020-04-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
I disputed this charge in XXXX due to fraudulent credit card use/not authorized. I thought this was removed from my credit years ago when I made the initial dispute. i paid what I owed, the remaining balance is not mine, like I have stressed NUMEROUS times. I was buying a house in XX/XX/XXXX and I was told this was taken care of. When I call SEARS, ( meaning within the last couple of years ) they have no record of this account. I receive no correspondence whatsoever from this company about said debt.

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 2020-04-19 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: IL

Complaint narrative:
The dispute is against the 3 credit bureaus ( XXXX, Experian, and XXXX  ) for violating the FCRA several different times. I sent disputes about this inaccurate and unverified information via certified mail to all 3 bureaus as far back as XX/XX/XXXX and as recent as XX/XX/XXXX. According to the FCRA 623 ( 3 ) - they must notate that there has been a dispute when one has taken place ( they failed to do so several times ) and the items need to be deleted. According to FCRA 623 ( 9 ) ( b ) ( E ) - if information disputed by the consumer is inaccurate, incomplete, or can not be verified.. ( ii ) delete that item of information. According to FCRA 611 ( 6 ) ( iii ) - they must disclose the description of the procedure used to determine the accuracy of such investigation, they failed to do so several times after I requested. All of the closed accounts showing on my report have a past due amount, which is by sheer definition is inaccurate. Those same companies are also reporting negative information to my account each month in the form of late payments when these accounts are closed ( more inaccurate info ). They say the accounts are " updated and verified '' but I am not sure how because the information is not accurate. They show no type of proof they did an investigation at all. I am hoping I can depend on the CFPB to be the watchdog on the bureaus and get them to follow the law.

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 2020-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
ftc he Fair Debt Collection Practices Act ( FDCPA ) protects consumers from unfair and abusive collection practices. The law regulates professional, third-party collection businesses, agents and attorneys, but not " in-house '' collectors, or employees of creditors who collect their own debts. 

XXXX XXXX XXXX XXXX XXXX has agreed to settle Federal Trade Commission charges that its MINI Division violated the Magnuson-Moss Warranty Act by telling consumers that XXXX would void their warranty unless they used MINI parts and MINI dealers to perform maintenance and repair work.XX/XX/2015

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19 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: TX

Complaint narrative:
ftc he Fair Debt Collection Practices Act ( FDCPA ) protects consumers from unfair and abusive collection practices. The law regulates professional, third-party collection businesses, agents and attorneys, but not " in-house '' collectors, or employees of creditors who collect their own debts. 

XXXX XXXX XXXX XXXX XXXX has agreed to settle Federal Trade Commission charges that its MINI Division violated the Magnuson-Moss Warranty Act by telling consumers that XXXX would void their warranty unless they used MINI parts and MINI dealers to perform maintenance and repair work.XX/XX/2015

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 2020-04-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: NC

Complaint narrative:
XX/XX/2019 - {$530.00} XXXX XXXX XX/XX/2019 - {$50.00} - XXXX XXXX XXXX XXXX We had contacted the bank and disputed the amount five times about these two transactions and they declined both.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19 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: TX

Complaint narrative:
I have disputed these accounts, filed a police report, and submitted a FTC complaint. I moved recently, last month and was denied, upon reviewing my credit report in XX/XX/XXXX, I noticed 12 separate fraudulent accounts ranging from credits cards to small loans. I have been successful in removing some items but I continue to see several items showing even after my repair attempts. 
Accounts in question : Creditor Date Opened Balance XXXX  XXXX XXXX. XX/XX/XXXX {$680.00} XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX {$700.00} XXXX XXXX XX/XX/XXXX {$95.00} XXXX  XX/XX/XXXX {$760.00} XXXX  XXXX XXXX XX/XX/XXXX {$1700.00} XXXX  XXXX XXXX XX/XX/XXXX {$920.00} XXXX XXXX XX/XX/XXXX {$210.00} XXXX XXXX XX/XX/XXXX {$700.00} XXXX  XXXX XXXX  XX/XX/XXXX {$700.00} XXXX  XXXX XX/XX/XXXX {$640.00} XXXX XXXX XXXX  XX/XX/XXXX {$680.00} XXXX  XX/XX/XXXX {$1300.00} Clearly, these accounts are all over the place and nowhere in my real credit history do we have examples of this type of disregard for credit worthiness on my credit report. I have not applied for credit with any of these companies. Nor have I allow anyone to use my information in acquiring credit these companies. I have been a victim of identity theft, and I did not make any of these charges or create these accounts. I am requesting that these items be, removed from my credit report. I have acquired a police report and submitted it with this complaint. Including a copy of my ID, and social security card. As required in F.C.R.A Section 605B.

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 2020-04-19 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: CA

Complaint narrative:
Good afternoon, thank you for your continued service. I hereby declare all damages after XXXX-now to be transferred and fully unassociate from my social and my records. I have concluded my reporting to the fbi and XXXX  XXXX pd case XXXX. XXXX XXXX, XXXX, XXXX, and XXXX damages remain. I should be debt free, XXXX all credit scores with perfect bill payer history. I need a new ssn, drivers license #, need to move out of XXXX  under a po box for our safety, I will provide a private settlement amount. The XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX  XXXX was used as the reason for the suspects to attack  my family and I. XXXX XXXX Account # XXXX and any association to XXXX  under my ssn is fraud. XXXX XXXX XXXX, XXXX Was created by XXXX XXXX to assist with scams and illegal child adoption and more attacks  on innocent. 
XXXX account # : XXXX XXXX  : XXXX XXXX XXXX XXXX, pa  XXXX fully controlled and used for criminal leverage and crime same with XXXX suspects claimed responsibility XXXX : XXXX I expect all damages to disappear and to be restored fully. XXXX medical records XXXX is invalid, it's only evidence of a crime report, I have no known health issues. 

Thank you for your continued service, God bless America, Remember our freedom XXXX ( no longer XXXX ) Ssn XXXX XXXX See ftc Federal trade commission and court cries for help immediate separation and settlement XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Good afternoon, thank you for your continued service. I hereby declare all damages after XXXX-now to be transferred and fully unassociate from my social and my records. I have concluded my reporting to the fbi and XXXX XXXX pd case XXXX. XXXX XXXX, XXXX, XXXX, and XXXX damages remain. I should be debt free, 750+ all credit scores with perfect bill payer history. I need a new ssn, drivers license #, need to move out of ca under a po box for our safety, I will provide a private settlement amount. The XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX was used as the reason for the suspects to XXXX  my family and I. XXXX XXXX Account # XXXX and any association to XXXX under my ssn is XXXX  XXXX XXXX XXXX, XXXX Was created by XXXX XXXX XXXX assist with scams and XXXX  child adoption and more XXXX  on innocent. 
XXXX account # : XXXX XXXX : XXXX XXXX  XXXX XXXX, pa XXXX fully controlled and used for XXXX leverage and XXXX same with XXXX suspects claimed responsibility XXXX : XXXX I expect all damages to disappear and to be restored fully. XXXX medical records XXXX is invalid, it's only evidence of a XXXX report, I have no known health issues. 

Thank you for your continued service, XXXX bless America, Remember our freedom XXXX ( no longer XXXX ) Ssn XXXX XXXX See ftc Federal trade commission and court cries for help immediate separation and settlement XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
transunion has been difficult to work with ... my score has not been updated and the iquiries count count is ironioys and wrong and has not been up dated according to the dispute time frame

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