vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-12 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: DISCOVER BANK
State: MI

Complaint narrative:
My discover account was paid off, payments were made but it is still reported that there were late payments. I'm asking for this to be corrected. I attempted to speak to discover regarding this and they neglected to work with me on any months that payments were received. I also tried to satisfy the payment with this creditor prior to it going to a debt collector and discover was unwilling to do so. Due to the covid pandemic and lack of employment I was unable to satisfy this immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
I have been disputing items with the credit bureaus for almost a year now and they have yet to respond to any of my disputes. I have serious erroneous items on my credit that must be removed. Somehow, over the course of a year I haven't had anything fixed or received any letters. Please fix immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
In XX/XX/2020, my brother was meant to send me funds in the amount of {$160.00} for personal reasons. Upon making the transaction, the PayPal app glitched and the funds were sent to a woman with the same first name but with the last name of XXXX. He immediately filed a dispute with PayPal, he had no contact with his bank, and the funds were seemingly returned - he sent the funds to me after he received them. On XX/XX/XXXX, I received an email that advised I owed PayPal the - {$160.00} because my brother filed a dispute against me for the monies. Please note, I immediately called him to ask about the dispute ; he advised that he only filed the one dispute and doesn't even have a confirmation email to support the claim. We called PayPal together the same day and advised that it was an error on their end. The agent responded that my brother was the one who filed the claim and it was my responsibility to pay it. I requested a supervisor and we were later disconnected. On XX/XX/XXXX, I was called 4  times by PayPal who requested their payment. I advised that it was not my error for the dispute and requested a manager ; they also charged me an additional {$15.00} for not paying them ASAP. I was transferred to XXXX, XXXX XXXX, who was rude and inconsiderate in his responses and blamed my brother who filed the dispute - he advised he doesnt have the dispute nor the funds to reflect that it was received back into his account. We offered to send the bank statement as proof of missing money and he declined advising, that PayPal does not accept documentation, even for a dispute against them! I thought it was suspicious that they wouldn't accept proof that we did not receive the funds. After almost an hour of requesting a solution other than me paying ( like a formal dispute, investigation, etc ) I requested someone higher, and was denied one because it was against their P & P 's to do so. When I advised that the customer service was lacking, he promptly responded with " I'm not customer service, I am in collections '' As a trainer for a company, I understand there is an element of customer service within Collections and he was just snarky the whole time. I explained that I needed it to be corrected because it was their error for the dispute that was filed against me and I needed that money to pay for a roof over my head because I care for my grandparents and mother, who currently isnt working due to COVID  and XXXX XXXX. I don't have the money to pay them back and it wasnt my fault they filed on behalf on my brother.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Idaho Housing And Finance Association
State: ID

Complaint narrative:
Step 1 : What is this complaint about? 
My mortgage company refuses to accurately report my mortgage on two of my three credit reports.

Step 2 : What type of problem are you having? Seven plus years of incorrect reporting by IHFA Step 3 : What happened? XXXX I filed Chapter XXXX  bankruptcy. NOT chapter XXXX, but chapter XXXX. For seven years I have had inconsistent reporting by IHFA. Some months they would report, some they would not. Some they would report that I paid my account in full. Some they would report that I filed Chapter XXXX. I have examples of these reports and I have turned those over to IHFA. 

In XXXX of XXXX my bankruptcy was removed from my credit report. I contacted IHFA  in XXXX asking when my credit report would FINALLY be corrected. I was told it would take a few weeks ( see attached email string ). I waited ; nothing. I have contacted IHFA six separate times, and they have refused to change my credit reporting and will not respond to why.

Step 4 : What company is this complaint about? Idaho Housing and Finance.

Step 5 : Who are the people involved? the only person who would give me a name is XXXX - but i have no last name or other identifying information.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
THE INQUIRIES LISTED ARE NOT AUTHORIZED BY ME AND THEY ARE DUE FOR REMOVAL OFF MY CREDIT FILE. THESE INQUIRIES WERE NOT AUTHORIZED TO REPORT ON MY CREDIT FILE. THEY PREVENTING ME FROM ACQUIRING NEW CREDIT AND I WOULD LIKE TO HAVE THEM REMOVE.

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 2021-04-12 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have contacted EQUIFAX several times, I have provided my social security, ID, and information to verify myself. I am not allowed or have been granted access to my report directly with Equifax. There are iquires on my report that I have not authorized from XXXX XXXX. I am uploading my information directly to verify my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AmeriCollect
State: IN

Complaint narrative:
I have sent Americollect numerous letters asking for a validation of my signature demonstrating that they have a contract with me. They continually send me letters stating this is " what I asked for '', but it's just the same as always. No proof of my signature with them. Just some random letters and then they keep sending me my medical diagnosis and tests which I have had in the past. I clearly did not ask them to send that to me nor did I give permission for anyone else to send it to them. 
They do not have a signed financial consent from me therefore, I would like this removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 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 — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am unable to get the report from XXXX and Transunion. 
This is the error I get when I perform the steps to get the Transunion report. 

We are unable to confirm your identity. The identity security system confirms your identity through a series of questions based on accounts and personal information contained in your Free Annual Credit Report. The system was unable to get enough information from the Free Annual Credit Report to complete this process. 

I called Transunion multiple times and have been transferred from one department to other like Main number, Consumer interactive, Special handling department and online support team but no luck. 

Here are the numbers I called in the past few days. 
XXXX XXXX XXXX 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 2021-04-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Synovus Bank
State: TX

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2019 I am not sure how this happened. I believe I made my payment to you when I received my statement. My only thought is that my statement did not get to me. 

I disputed this in XXXX and it was removed by the credit bureaus and it is now reporting again. Please remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 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:
Its my second attempt to ask for your help as I have fake accounts in my profile. I do not know these accounts and I do not recognize them They are not mine. Please delete them finally otherwise I will keep writing to you every month as I can not move on in my life financially. Its killing my plans

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 2021-04-12 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: FL

Complaint narrative:
Its my second attempt to ask for your help as I have fake accounts in my profile. I do not know these accounts and I do not recognize them They are not mine. Please delete them finally otherwise I will keep writing to you every month as I can not move on in my life financially. Its killing my plans

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
CREDIT COLLECTION SERVICES BOUGHT TITLE TO A DEBT THAT HAS ALREADY BEEN CHARGED OFF AND IS NO LONGER VALID. THEY ARE NOT IN ANYWAY A CREDITOR BUT HAVE USED MY PRIVATE INFORMATION IN COMMERCE IN VIOLATION OF ILLINOIS STATE LAW. ACCORDING TO ILCS THEY MAY BE HELD LIABLE FOR CONSUMER FRAUD AND IDENTITY THEFT AND I WANT THEIR FRAUDULENT CLAIM ERASED FROM MY CREDIT FILE.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Phoenix Recovery Group
State: TX

Complaint narrative:
XXXX. I never received written notice of the debt claimed against me nor my wife prior to the landlord reported it to the collection agency. 
XXXX. Never received notice of the debt claimed against me nor my wife by the collections agency prior to them reporting it to XXXX ; XXXX. The debt amount claimed is false, and fully in dispute because they are based on alleged contract damages, which are not available to the landlord. 
XXXX. The landlord failed to properly itemize and account for my security deposit, and as a matter of law XXXX XXXX. XXXX. code XXXX XXXX the landlord is now prohibited/barred from bringing suit or claiming any damages against me. 
XXXX. The Landlord actually owes me {$150.00}, instead of I owing them anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 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: EQUIFAX, INC.
State: FL

Complaint narrative:
THE INQUIRIES LISTED ARE NOT AUTHORIZED BY ME AND THEY ARE DUE FOR REMOVAL OFF MY CREDIT FILE. THESE INQUIRIES WERE NOT AUTHORIZED TO REPORT ON MY CREDIT FILE. THEY PREVENTING ME FROM ACQUIRING NEW CREDIT AND I WOULD LIKE TO HAVE THEM REMOVE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 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: SC

Complaint narrative:
I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and the transactions I dispute was opened and made by the thief, not by me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 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: TX

Complaint narrative:
I have already submitted a report to you a month ago and they did not remove the information that was used through some opening account using my information. 
XXXX did remove items off my report Experian only removed I item and still kept 2 on my report and XXXX are horrible they did not up date anything and I still have XXXX inquiries and account that I didn't open

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 2021-04-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Lansing Professional Business Bureau,Inc
State: MI

Complaint narrative:
I was hospitalized from XX/XX/XXXX - XXXX at XXXX XXXX XXXX XXXX in XXXX Michigan. I was actually in XXXX XXXX XXXX. However, the bill for {$1200.00} was sent to me by XXXX XXXX. 

I filed a grievance with the hospital based on the unsafe care I received. I contacted the hospital billing department to let them know what I was doing. I spoke with XXXX XXXX in Accounts and she said to wait until a decision was reached regarding the grievance. 

When I received the decision, I contacted XXXX and let her know I was appealing the decision. She talked with XXXX XXXX, Patient Experience Specialist, and it was agreed that I could wait before making payment til after the appeal decision was made. 

XXXX XXXX said she would reach out to me in early XX/XX/2021. I got the decision on my appeal and waited for a bill. When the bill didn't come, quite honestly I forgot about it. I never received a call from XXXX. 

I received a bill from Lansing Professional Business Bureau on XX/XX/2021 and misplaced it. Apparently the letter was requested by XXXX XXXX on XX/XX/2021 for nonpayment. c .I found this information out from XXXX at the Lansing Profesioinal Business Bureau . 
Apparently, on XX/XX/XXXX, according to the collection company - they called me and left a message to contact them regarding this. I don't remember getting the call and normally I don't answer unknown numbers. 

On XX/XX/2021 I came across the XX/XX/2021 bill and paid it immediately. 

I would like you to investigate : XXXX. Whether XXXX complied with its obligation to contact me before sending my bill to collections? 

2. What can be done to fix my credit score? I have taken great pride in how high it is and have been proactive for many years to keep it that way. 

My credit score has always been above XXXX and is has fallen to XXXX because of this letter from collections. I would like you to investigate what XXXX XXXX did with my bill - if I had heard from them, I would have responded immediately and paid the bill. 

The bill was paid off on XX/XX/2021.

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 2021-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Navient Solutions, LLC.
State: MN

Complaint narrative:
Navient Student Loan Servicer is trying to charge me with Commercial/Private student loans, which were disputed in 2018. There were three letters written to this company to get this situation resolved. Today, I spoke with a customer service representative and a supervisor, regarding the situation and it still is not resolved. As explained, to the representative of the company, '' commercial/private student loans are only take out, when the unsubsidized, subsidized loans and grants don't cover tuition. Since the dispute has not been resolved, please contact Navient. I requested promissory notes in 2018 and they sent notes, with no signatures for these private loans. I am not responsible and require that a full investigation be done. Thanks for your help and hope to hear from you soon?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
On XX/XX/XXXX, I awoke at around XXXX to find 2 fraudulent pending charges ( total of {$290.00} ) on my account. I called one of the vendors that was attempting to charge initially to give them a heads up that this was fraudulent activity. They advised to me that " this is a valid charge in our system and the order will be processed '', which was very odd. I told them that I was going to call my bank and they said " your bank will side with us '' and hung up. This is when I knew that they were part of the scam. I called the bank ( barclayscardus ) and advised them of the fraudulent activity. They told me I was all set and would not be responsible for the charges. Fast forward a few weeks and I received a letter that stated the charges were found to be valid. I called and spoke with several people trying to get explanations, but they just kept saying that their fraud investigations team determined these to be valid. I asked for them to provide an IP address from where the orders were made, and they would not provide that. I asked for the evidence that made them determine these to be valid, and they just told me the vendors provided sufficient evidence. I also provided them with a timeline and a dark web scan showing my identity stolen. 

These charges were not authorized by me - and I will swear to that under oath. I was sleeping while the transactions were processed, which can be verified by my wife. I need help on how to resolve this as I feel strong armed by this company now.

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 2021-04-12 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: OK

Complaint narrative:
In XX/XX/2020 I called Dovenmuehle Mortgage to update them on my XXXX veterans property tax exemption, it took till XX/XX/XXXX for them to correct my escrow accounts, then they sent a property tax payment to my county treasurer anyway even though I did not owe anything, fast forward to XX/XX/XXXX I called and they told me they sent me the tax overpayment out to my address on XX/XX/XXXX, when I didnt receive the check I called them back and they told me they deposited in my escrow account but would do a analysis and send me the overpayment, Ive been calling them every week and they keep telling they have expedited it and it would be resolved, called again today and still telling me they will fix it and expedite it, for seven months of dealing with there lie after lie I can only assume there trying to hold on to it for as long as they can since they make interest on it and I believe that is illegal, not illegal to make interest off my escrow account but to make interest off my money that dont belong to them, ( XXXX $ ) is what they owe me.Hopefully you can help resolve this for me thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
On XX/XX/2020 my check was deposited into a closed account the irs is stating they never got the money back this is my second time filing the same complaint with this bank

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-12 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I tried to dispute several items and mailed in the letters but got no response. I have the following items wrong with my report : I have inquiries that I did not authorized. 
I have wrong names and addresses that do not belong to me. 
There are late payments and other accounts that are reported late and charged off that are not true. 
I see an account that does not belong to me. 
Also a chapter XXXX bankruptcy that is not accurate

Company response to consumer: Closed with explanation