vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Hello, and I hope all is well. While reviewing the credit profile to Experian/XXXX/XXXX, the number of uncertain tradelines continues to be placed when the debt was completely satisfied and not settled. XXXX XXXX XXXX XXXX XXXX has a third-party collection XXXX XXXX XXXX. 
That failed to comply with the Federal Credit Reporting Act. XXXX XXXX XXXX failed to offer financial assistance. With continued failed practices, this is a violation of the law, which decreases my credit score and creditworthiness.

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 2020-10-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
I disputed an alleged debit with NCB Management Services to all three credit bureaus ( XXXX, XXXX and XXXX ) on XX/XX/2020. All three credit bureaus verified the alleged debt as accurate. I requested that the credit bureaus validate the alleged debt on XX/XX/2020 but was advised I would need to contact the creditor/collection agency directly for additional information. On XX/XX/2020 I mailed a certified letter to the collection company requesting the validate the the debt ( per the FDCPA ) by providing the following information : -an explanation of what this alleged account balance is for -a calculation of this balance including the complete payment history on this account -documentation that shows I agreed to pay this debt -the agreement that grants them authority to collect on this alleged debt -a copy of their state license including the license number On XX/XX/2020 I received a letter from the collection company simply stating the conducted an investigation and are unable to substantiate the allegations of my dispute. They requested I provide them with additional information. They completely ignored my letter requesting they validate the debt. Therefore, they are in violating of FDCPA Section 809 ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XX/XX/2020 XXXX, TransUnion and XXXX 
I have filed a dispute in regards to the incorrect items on my credit reports. 
It has been well over 30 days and I have not received any investigation results. 
XXXX {$6600.00} XXXX XXXX XXXX loan {$9600.00} XXXX XXXX XXXX {$490.00} XXXX ( Original Creditor : XXXX XXXX ) {$200.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) {$150.00} XXXX ( XXXX XXXX XXXX ) {$110.00} XXXX ( XXXX XXXX  XXXX ) {$30.00} XXXX ( XXXX XXXX XXXX ) {$38.00} XXXX XXXX {$15000.00}

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 2020-10-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
Ally Financial Account # XXXX. All payments were made on time each and every month. 

Cashiers check in the amount of {$10000.00} was sent to Ally to pay off the car loan. It was mailed on XX/XX/XXXX. The payoff amount was good until XX/XX/XXXX. When I spoke to XXXX from Ally Bank on Friday ( XX/XX/XXXX ), he said the check was received within the payoff window and we do not owe anything additional. But he could not/would not tell me the date they received my check. XXXX XXXX said the check cleared on XX/XX/XXXX. 

The car was in the police impound lot and Ally Bank recovered it on XX/XX/XXXX before I had the opportunity. 

Phone calls have been made by Attorney XXXX XXXX to Ally to resolve this matter since at least XX/XX/XXXX. Attorney XXXX has called at least 10 times, and has been hung up on at least 3 times. Ally is asserting a balance due. Ally stated the balance due is for charges related to the repossession. 

The urgent concern is that I paid off the vehicle, and it was repossessed AFTER I paid the note in full. Therefore, if I do not receive all monies paid on the note plus attorney fees OR the vehicle with clear title plus attorney fees, I will be filing a lawsuit.

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 2020-10-26 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Ive sent in dispute letters XX/XX/2020 to rectify my accounts with TransUnion, XXXX, and XXXX. It has Been over 30days and I havent heard anything from them in regards to my 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 2020-10-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: WI

Complaint narrative:
THE PROBLEM IS WITH A CASH APP, TRANSFER OF FUNDS IN THE AMOUNT OF XXXX, WHICH WAS SENT ON XX/XX/20 THROUGH CASH APP. THESE FUND WERE SENT FROM, MY BANK ACCOUNT, WITH XXXX. THE FUNDS WERE SUPPOSE TO HAVE BEEN SENT TO, XXXX XXXX XXXX BANK ACCOUNT, WITH XXXX XXXX, IN XXXX WISCONSIN. HOWEVER, HER BANK STATED THAT THE FUNDS, NEVER HIT HER ACCOUNT. WE CHECKED WITH BOTH BANKS AND CASH APP. THEY DON'T HAVE ANY KIND OF INFORMATION ON WHERE THE FUNDS WENT. CASH APP. TOLD ME THAT THE FUNDS WOULD BE REFUNDED TO MY CHECKING ACCOUNT, WITHIN SEVEN TO TEN BUSINESS DAYS. HOWEVER, THEY HAVE FAILED TO REFUND ANYTHING TO MY ACCOUNT. THEY HAVE SO FAR TRIED TO DO ANY KIND OF FOLLOW UP WITH ME, CONCERNING THE SITUATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: FISERV FINXACT CORE
State: FL

Complaint narrative:
XX/XX/2020 Re : Money Network Dispute My money has been out there in outer space for almost 2 months with no resolution as of todays date, XX/XX/2020. However, on XX/XX/2020 when I checked, it at least was in a pending status. Because of the longevity of this hanging matter, Id like you to investigate and let me know how long is it going to be before my money is posted back to my account? {$600.00} is quite a bit of money to be floating around in air space. 
On XX/XX/2020 I transferred {$600.00} to a bank account from my Money Network account and it stated that the transfer would take from 3-4 business days to post to the account. On the 4th business day, XX/XX/2020, I checked the bank account and it had not posted. I called Money Network and was told that the 1st transfer could take from 9-10 business days but thereafter, all bank transfers would be 3-4 business days. 
When the 10 business days had passed, I checked the bank account again and the funds were not there nor was it posted to my Money Network account. So, I called Customer Service and the Rep apologized for the delay and told me that it would be another 9-10 business days, which I didnt understand but I accepted it. Also, I was told that I would be given a {$100.00} credit for the inconvenience bringing my total to {$700.00}. 
After that 9-10 business days had passed with still no money, I called and asked to speak to a Higher-Up so I was connected to the General Manager. After bringing him up to date about the issue, he told me that he couldnt guarantee me the additional {$100.00} but he assured me that my money would be posted to my Money Network account on XX/XX/2020. 
As you can see, as of today, XX/XX/2020, the issue is still not resolved. 
Monday, XX/XX/2020 the account is not in pending status nor has the money been posted to my account. 

Thank You, 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 2020-10-26 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am needing assistance in dealing with Equifax because I have contacted Equifax several times and they wont correct their errors. I have sent letters about accounts they are reporting that are not correct and they have verified these accounts stating they are accurate? Im really confused how these accounts were verified as accurate when 1 ) Equifax is not even reporting MY CORRECT YEAR OF BIRTH 2. ) These accounts DON'T EVEN HAVE A FURNISHER on the accounts?? So how were these accounts verified, please explain this to me, because I can not understand this. Secondly, I have sent them proof of MY birth : my drivers license, my social security card and proof of my address but for some reason they will not correct their information? I was NOT born in XXXX ; I was born in XXXX. Period. There is absolutely no question about that, but somehow Equifax reports their information is accurate? HOW CAN THAT POSSIBLY BE??? I can not get a credit report from Equifax because they can not verify me. When I attempt to verify my identity, Equifax sends questions for me to answer that does not even apply to me, questions about someone else in another city of another state! And they have numerous addresses listed on my report that are not mine! I can not get approved for credit because the creditors can not verify me because Equifax is reporting someone elses birth year and not mine, FOR YEARS. I feel like I am in the Twilight Zone, surely this has to be in serious violation? This has kept me from numerous credit opportunities to provide more for my children and myself! This has even kept me from being able to continue my education! I am now consulting with an attorney because of the false reporting and refusing to correct their information for something AS SIMPLE AS MY YEAR OF BIRTH. This is absolutely absurd and your errors continue to affect MY financial livelihood!! And you continue to put my personal information at serious risk!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Summary of Paypal Case ID XXXX XX/XX/2020 An online transaction was made for a bicycle through Paypal in the amount of {$70.00}. The transaction I.D with XXXX XXXX was XXXX. 
XX/XX/2020 - A claim for merchandise paid for but not received was made with Paypal, XXXX XXXX XXXX XXXX, XXXX XXXX, California, XXXX with Case I.D # XXXX assigned. 
XX/XX/2020 A small packet was received from XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, California XXXX, containing three miniature plastic dice with tracking number XXXX. Packet weighed slightly over 1 oz. Paypal reached out to seller and seller provided tracking number for the three dice as evidence purchase was delivered. 
XX/XX/2020 Paypal denied my claim based on the shipping tracking number for the three dice provided by seller. 
XX/XX/2020 Paypal reopened the case after I filed a complaint with the Better Business Bureau in XXXX XXXX, California, Complaint Case # XXXX. 
XX/XX/2020 Notified via XXXX  that return of dice to seller with evidence of receipt in form of tracking number would result in my reimbursement. 
XX/XX/2020 Paypal acknowledges receipt of tracking number through XXXX Activity Log. USPS tracking shows dice were received by XXXX XXXX on XX/XX/XXXX, at XXXX a.m. 
XX/XX/2020 Paypal notifies me they are denying claim saying they never received tracking information although they acknowledged receipt on BBB XXXX XXXX. 
XX/XX/2020 XXXX closes their file with case unresolved with consumer. 
I have copies of XXXX  Activity Log, Tracking Number submitted, showing I returned merchandise as requested, USPS Shipping Log showing merchandise was received and picture of small packet with dice. Copies will be attached.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-26 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: ERC
State: IL

Complaint narrative:
ERC is reporting {$670.00} is owed to them, with an original account balance from XXXX. 
I called ERC on XX/XX/2020 at XXXX AM to get more information. They informed me they do not have an account there for me and that it was closed XXXX. Then I called XXXX at XXXX on XX/XX/2020 and they told me they can't access any accounts on/for me. Both companies put the blame on the other and were not helpful in giving me any information on how to get this removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
I had a co-op mortgage in XXXX from XXXX XXXX in XX/XX/XXXX that was assigned to M & T Bank via XXXX XXXX via FDIC. I sold the property and discharged the mortgage in XXXX. The mortgage still appears on my UCC forms in XXXX, even though common sense tells you that I'd have refinanced a high rate or that a 30-year obligation would have come due. Nobody bothered to file the forms.

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 2020-10-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Grant & Weber
State: CA

Complaint narrative:
Grant & Webner did a reporting on my credit report without properly giving me notification of the alleged debt. The address they have on file is not my address I never received such notifications from them whatsoever. I didn't know about this alleged debt until I pulled my credit report and seen their reporting. I dispute the validity of the this debt. I paid all services they were provided to me directly with the doctor. I did not have insurance at the time, and I was a cash patient. I had to pay everything up front before any procedures were done. I contacted the doctor and they in fact said I did not have any outstanding bill. They provided me with a statement dated XX/XX/XXXX where it shows I do not owe anything. I have a XXXX balance. See attached copy of the statement. Also, the charge they have as outstanding on XX/XX/XXXX was paid that same day. See enclosed credit card statement where it shows I paid {$500.00} the same day of my procedure. This reporting is affecting my credit score and I am requesting the immediate removal of this fraudulent reporting as soon as possible.

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 2020-10-26 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: FL

Complaint narrative:
I had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them .I don't have any access to these accounts, i have never sign the contract or agreement with them.

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 2020-10-26 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XXXX, I wrote Equifax and XXXX  requesting a reinvestigation into the inaccurate items and accounts detailed as follows : 1. Remove all inaccurate names except for XXXX XXXX 2. Remove all inaccurate addresses including XXXX XXXX XXXX. XXXX XXXX XXXX 3. Remove all employers from report because I am self-employed. 
4. Remove XXXX XXXX loan.

5. Remove ALL inquiries including hard and soft.

6. Remove ( 2 ) XXXX XXXX accounts.

7. Remove XXXX On XXXX, I wrote Equifax and XXXX  informing them that I had not yet received a notice that they have begun a reinvestigation into the disputed items and accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My name is XXXX XXXX. I have a few accounts with Chase bank. 
XXXX, XXXX, XXXX. 
I added XXXX XXXX as an authorized user on all my accounts. In XX/XX/XXXX XXXX requested to be removed from my account. I then proceeded and called Chase in XX/XX/XXXX to have him removed. Chase confirmed that they will do so. 
In XX/XX/XXXX Mr. XXXX XXXX informed me that the banks are still on his report and causing him damage. He is about to lose his house due to the account being on his report. He can not refinance his mortgage. POSSIBLE DAMAGES in excess of {$50000.00} if my accounts are not removed from his report asap! 
In XX/XX/XXXX I called Chase and they told me I should fax them and they will promptly remove it. I proceeded and did so ( see attached ) As of today, the account is still not removed. 
XXXX is currently suing me. 
Please have them remove him from my accounts asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Midwest Loan Services, Inc.
State: MI

Complaint narrative:
Applied for mortgage furlough under cares act during my covid unemployment. Based on the request payment stopped withholding for Month of XXXX, XXXX & XXXX. Since I went back to work from XXXX, I have requested the payment to start with back withholding. The mortgage company still didn't collect any payments as of today XX/XX/XXXX. I have called them many times, worked with their loan officer. Finally got a payment deferral agreement, signed and returned back last month. They are still not collecting any payments ( due date was XX/XX/XXXX ) and it destroyed my credit score. I have been requesting them to start payment since XXXX and its XXXX And they have not collected any payments yet. My fear is getting foreclosed by them. I hope I can get their attention through this complain to get it resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 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: LEXISNEXIS
State: CA

Complaint narrative:
I rented an apartment at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX. I get renters insurance with XXXX Based upon a report from LexisNexis Risk, Reference #, XXXX, XXXX raised my deductible due to a prior loss. It wasn't my prior loss. There was supposedly a theft at the unit and an insurance claim to XXXX 's by a prior tenant. There are several issues. I contacted LexisNexis as per their instructions to get more information and they said they couldn't find any information matching my data. Of course, they couldn't. It wasn't my loss. I made no such insurance report or claim. 
XXXX was able to give me the XXXX XXXX claim number which was on their copy of the LexisNexis report. I contacted XXXX XXXX. The unit wasn't robbed. There was no apartment theft. A prior tenant had a bicycle stolen from the garage. I don't even own a bicycle. Their record about what happened is wrong and it can cause me a loss. XXXX told me as long as the LexisNexis Report shows a theft, there is nothing underwriting can do and I'm on the hook. I need to get this report fixed. I can't even go to another insurance company as long as there is an incorrect public record. I'm going to run into risk rating issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
It shows i opened an account with speedy cash for {$680.00}. Which i didn't do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 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: MO

Complaint narrative:
I have contacted this company several times along with disputed with all 3 bureaus and they refuse to remove the account or provide documentation showing proof this is my account. I am a victim of identity theft and I have fraud alerts on all bureaus. I was able to get all fraudulent and inaccurate information removed off my account BESIDES this one and I am demanding removal and or proof of validation. I do not recall ever opening a XXXX XXXX XXXX credit card and its been messing up my credit for YEARS. Credit bureaus need to do something

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