vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-07 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: AZ

Complaint narrative:
I have multiple accounts showing wrong information like dates of activity, dates accounts were opened are wrong. The last payment dates are incorrect between the bureaus, missing or mismatching verification dates, some say open with one bureau and closed with another when they're both closed and paid. I've disputed these accounts with all 3 multiple times and my requests to have them removed have been ignored. I have no accounts with XXXX XXXX either, I've never spoken to them. I'd like these accounts removed from my credit reports. The following accounts that have been ignored when requested to be removed for inaccurate information are : XXXX - I've disputed that under the Cares Act that late payments for mortgage were forgiven from XXXX and those corrections have been ignored every time as well. 
XXXX XXXX XXXX # XXXX XXXX XXXXy # XXXX XXXXXXXX XXXX # XXXX XXXXXXXX XXXX # XXXX XXXXXXXX # 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 2022-03-07 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: GA

Complaint narrative:
I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you

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 2022-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I was victim of a scam. I purchased a plane ride and hotel which were payed using the XXXX app with my Bank of America account. Due to it being through my bank, I expected it to be a secure transaction. First transaction was for {$2000.00} and the other for {$1200.00}. Both made XXXX XXXX. The number send was to XXXX - XXXX  & XXXX. I was given a fake plane ride and hotel confirmation which at the time I believed. I contacted my bank and began a claim when the date arrived and no plane ticket existed. Bank stated they can not help since it was a authorized transaction. I am deeply saddened and shocked. I was a victim of a scam and lost {$3200.00}. I believed my bank would protect me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 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: Credit Plus Inc
State: NC

Complaint narrative:
I need validation ( Not Verification ) I need a copy of when I sent your company a written permissible purpose to validate the inquire and please provide a Audit Trail. 15usc1681b Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I need validation ( Not Verification ) I need a copy of when I sent your company a written permissible purpose to validate the inquire and please provide a Audit Trail. 15usc1681b Thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-07 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: GA

Complaint narrative:
I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you

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 2022-03-07 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: Exeter Finance, LLC.
State: MI

Complaint narrative:
I have inquiries that I didnt request..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 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: Global Lending Services LLC
State: MI

Complaint narrative:
I have inquiries that I didnt request..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: NJ

Complaint narrative:
I started a new loan with Home Point Financial in XXXX of XXXX. All payments towards the new loan including the escrow account were made per the terms shared by Home Point Financial. 

Not even 6 months later, I am being informed that my account has an escrow shortage and therefore I am now required to pay an additional {$510.00} per month to fullfill my mortgage payment and refill the escrow account. 

This is Unfair and Deceptive. The amounts that I had paid into my escrow account were determined by Homepoint at the time of application/acceptance. Importantly, there has been NO CHANGE in the monthly taxes or home owners insurance. There is no reason that my amount should suddenly go up so much with no changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 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: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX. XXXX. I have a problem with one of the credit reporting sites. I was buying a car and told I had serious delinquency on it. I called all 3 sites, XXXX, equifax, and XXXX. I was told they did not see anything on my report. I obtained reports myself and could not find anything that said serious delinquency. XXXX card has XXXX, I receive report every month. I have good credit history. I need help finding this and getting it removed. This has been over a year now. I did not think I should have to pay an attorney. How do you fight something that they say is not on there? I had a car accident that was not my fault and only thing I could think was waiting for insurance to pay car off. But that was not the problem I was told. That wasXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I need a validation ( not verification ) and a copy of when I sent a written permissible purpose ( 15 USC 1681b ) to validate the inquiry and a audit trail.

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 2022-03-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: NC

Complaint narrative:
Dates XXXX present I have been trying to work with XXXX XXXXXXXX and XXXX XXXX fix my PSLF count. I have all direct loans, certify my employment each year as recommended, I have always been on the correct payment plan. I have asked for review of my file multiple times, provided proof of autodraft payments and still have had incorrect qualifying payments. Mostly due to an error by XXXX autodrafting the wrong payment amounts, something I was not made aware of until my loans transferred to XXXX XXXXXXXX and nearly a year of qualifying payments were not counted despite my being enrolled in autodraft payments. 

Recently, due to the PSLF Waiver, I was encouraged to consolidate my direct loans because it would lend to the count being corrected quicker than going through another review. I followed this advice, and instead of my XXXX qualifying payments, my count has now sat at zero qualifying payments for two months. No one seems to be able to give me a consistent answer, which is not surprising after years of inconsistent and inept customer service ( for the record I do not blame the customer service reps, but the poor training from admin ). 

As someone who has always enrolled in autodraft payments and consistently paid and done her due diligence for the PSLF program, this has been a painstaking and infuriating process. It should not be this difficult or stress inducing. 

Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
In XX/XX/XXXX, we leased a vehicle through Ally Financial and the vehicle was returned in XX/XX/XXXX to XXXX XXXX. Ally sent out a notice saying that a final balance of {$2700.00} was remaining after the lease ended. In XX/XX/XXXX, Ally financial added {$26000.00} in mileage charges that are not listed in the contract. Ally financial also failed to produce a contract showing justification of the additional costs after being asked many times. 
In XX/XX/XXXX, Ally financial also proceeded to report the loan as open hindering future auto loans and therefore making securing an auto loan difficult due to having a current open loan for a vehicle no longer in our possession. My spouse and I have both tired to have this fixed directly with Ally but to no avail. 
Their response is to have a manager look at the account but we only receive letters and calls no resolutions or validations.

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 2022-03-07 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Approximately XX/XX/2021 I created a website, www.vacationhomesbydisney.com, I was using Paypal for payments on the stie, during the testing phase of my site, I purchased a mock subscription ( s ) for 1.00 then would refund to myself, next thing I see is that my account is restricted, I could not speak to anyone or get any further explanation so I changed to another service. 
I kept my pay pal account open as I had also a line of credit in there, which they also would not let me use! 
I have recently paid it off in full and closed the line of credit as I want NOTHING TO DO WITH PAY PAL. But still, I can not close my account and they refuse to remove the limitations so I can close the account this is bullying to the highest degree. Paypal charges exorbitant fees they are losing business to new competitors I personally didnt like them to begin with and am sick of this unsual restriction. I want the account closed, they keep saying I can not do business with the account that is true but when I click on CLOSE ACCOUNT I get error message saying I can not close it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Outsource Group, Inc
State: NC

Complaint narrative:
To Whom It May Concern : This letter is being sent to you in response to you reporting the aforementioned account on my credit profile with the credit reporting agencies. This is a notice that your claim is disputed. Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you claim that I owe you. I am requesting proof that : I am indeed the party you are asking to pay this debt ; the date of the alleged medical service ; the name of the patient ; and proof that there is some contractual obligation which is binding me to pay this debt. Please attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. 

Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of XXXX ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX. Please also attach copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor, and, as this is a medical account, a copy of any HIPAA authorization. Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of, or verifying of this account on my credit reports. Page 39| 43 I require compliance with the terms and conditions of this letter within ten ( 10 ) calendar days, or a complete withdrawal, in writing, of any claim. In the event of noncompliance, I reserve the right to file charges and/or complaints with the OCR on your HIPAA violations and XXXXppropriate County, State & Federal authorities, the CFPB, XXXX and XXXX Bar XXXX for violations of the FDCPA, FCRA, and Federal and State statutes on illegal collection activities on any account that may be time-barred as well as violation of North Carolina medical privacy rules .

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I am a small business owner of a XXXXXXXX XXXX and use PayPal XXXX XXXX to process my payments. During the process of opening the XXXX accounts in XX/XX/XXXX thru XX/XX/XXXX, I underwent a review process and submitted all business information including store leases, business insurance, secretary of state filings and state permits to show compliance. XXXX is legal to sell in Texas and I have all the appropriate licenses. I was approved for the merchant account and have been processing payments from my sales. I made a recent sale for services of XXXX on XX/XX/XXXX. On XX/XX/XXXX Paypal froze my account and requested information so that they could understand my business. I was asked to provide the same information as before along with inventory receipts, business information, vendor supplier information, overview of product & services and website. I complied immediately and PayPal is now asking for the same information again, this time under a new title. I feel that my small business is being targeted because of the XXXX. PayPal has usurped their authority and is holding funds that I need to pay my vendors which is causing me to suffer financially. I have been cooperative and responsive. Now they are auditing every sale prior to XX/XX/XXXX even one for XXXX cents. This is clearly discriminatory and designed to frustrate me so that I just give up. PayPal seems to be on a path to put me out of business. This is wrong. Everything they ask for I have provided and each time they come up with another hurdle that I must hop over. If I don't speak up they will continue with these requests and cause further hardship on me. This freeze on my account does not allow me to process current payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 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: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 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: Credit Systems International, Inc.
State: AL

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax keeps on lowering my credit score with no explanation in the report # XXXX your stating that your company is not done with investigation that's not what I'm addressing explained why your company lowered my credit score in there different occasions, Equifax lowered my credit score 2 times in XX/XX/2022 & XXXXh one time all 3 times with no explanation why they lowered my score!!!!! If your not done with your so called investigation why did my credit score go down on three separate occasions? No explanation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 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: National Credit Adjusters, LLC
State: AL

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 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: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: MI

Complaint narrative:
XXXX Mr Cooper notified me that payment was late. Spoke to representative and was able to prove that Mr Cooper recd the payment and cashed the check. Told it would be resolved immediately. 
XX/XX/XXXX -not resolved Mr Cooper added a late payment charge. Recd a check for {$1400.00} from Mr Cooper stating it was an overage in the escrow acct. Called and spoke with Mr. Cooper, they stated it was a mistake and would cancel the check and return the {$1400.00} to the escrow acct. 
12/18/21-not resolved. Spoke to manager. She asked for me to be patient until XX/XX/XXXX XXXX-spoke with manager was told problem was resolved and {$1400.00} returned to escrow acct. Based on that, I made an ACH transfer for XX/XX/XXXX payment. 
XXXX-I refinanced my mortgage with another company as this was now the 3rd time Mr. Cooper had messed up my payments and escrow acct. Mr. Cooper received payment in full on XX/XX/XXXX. Mr. Cooper congratulated me on the payoff and advised that they would not be sending the escrow money to XXXX to pay the XX/XX/XXXX statement. I should have received that money back as I had to pay XXXX directly. 
XXXX-received a check from Mr. Cooper for {$320.00} for reimbursement of escrow. The amount should have been {$1800.00}. 
XXXXI wrote to Mr Cooper 's Account Services Team as instructed by a Mr. Cooper chat employee. I submitted proof of all of the XXXX mortgage payments, and proof they did not pay XXXX. Said I would have a response in 7-10 days. 
XXXX-I received an email stating that they could take up to 30 days to respond, however, they reserved the opportunity to extend another 15 days after the 30. 
I have now been talking, emailing and providing info to Mr. Cooper since XX/XX/XXXX and it still is unresolved. As of XX/XX/XXXX, I have not received the {$1400.00} reimbursement from my escrow account with Mr. Cooper. I have no confidence that Mr. Cooper is resolving this.

Company response to consumer: Closed with explanation