vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-08 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:
I submitted a compliant against Experian on XXXX2020 and you guys said that it wasn't submitted directly by me or that I didn't authorized the compliant. I don't know how you guys came up with that information but I completed the complaint my self and fully authorized it. I filed a police and FTC report and disputed the inaccurate information on my credit report, that the credit bureaus are reporting. Especially Experian. Please re-investigate my complaint and this company. 

XXXX ID : 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 2021-01-08 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: WorldRemit Corp.
State: CA

Complaint narrative:
I tried to get the company to deactivate my account and to clear all my personal records. I dont want someone hacking the company to get access to my banking accounts especially since I dont use their services anymore. 

They sent onerous list including a photo ID that they never asked when I signed on. All I want is for them to deactivate my account. If they want to confirm its me, they can send me correspondence on records they already have with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 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 have submitted my information the 3 credit bureaus to have the incorrect and inaccurate information remove my credit reports ; the information stills remain on my report and I would like them removed

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 2021-01-08 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: FL

Complaint narrative:
I have submitted my information the 3 credit bureaus to have the incorrect and inaccurate information remove my credit reports ; the information stills remain on my report and I would like them removed

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 2021-01-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
After a year of interest and credits awaiting chargebacks of airline and hotel we are almost there with reconciliation Again I examined each statement since XXXX till XXXX 2021 The following is my findinds. PLEASE let me know if wrong and where is my calculation off. 
XX/XX/XXXX, {$8.00} ; XX/XX/XXXX, {$14.00} ; XX/XX/XXXX, {$20.00} ; XX/XX/XXXX, {$4.00} XX/XX/XXXX {$4.00} ; XX/XX/XXXX, {$51.00} {$5.00} ; TOTAL INTEREST CHARGED {$57.00} CREDITS : XX/XX/XXXX, {$40.00} ; XX/XX/XXXX, {$1.00} XXXX, {$0.00} XX/XX/XXXX, {$9.00} TOTAL CREDITS : {$51.00} DIFFERENCE DUE : {$5.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 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: NJ

Complaint narrative:
Federal Student Loans Reporting on my Credit Report XX/XX/2018 {$2300.00} XX/XX/2018 {$1300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 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: NY

Complaint narrative:
on XXXX2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611a it plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these inaccurate items be deleted immediately or I will file for litigation due to stress you caused me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: GUARANTEED RATE INC.
State: CA

Complaint narrative:
Guarantee Rate affinity, gave me a pre approval knowing that my new home was a manufactured home on land and had no issues with credit or down payment. We started this process in last XXXX early XX/XX/XXXX. We were told XXXXwas going smooth and that our loan was scheduled to close on the XX/XX/XXXX. I was told and paid for appraisal and the company was to have it on Friday the XX/XX/XXXX. When it went for final review the head underwriter stated that this house had to cure for 6 to 12 months. Mind you they knew from the start it was a manufactured home on land and had no issues. I received an approval of my loan on XX/XX/XXXX. And was scheduled to sign around the XXXX. That was perfect timing as my current home was sold and I had to be out by XX/XX/XXXX. The lender called me and stated that the loan couldn't go through and had to sit vacant for the time allotted in order to do the loan. I was never told this and no one ever told me anything, I was told by my realtor who the lender called and disclosed this to her. Privacy issues. They told me that they had done the appraisal and I was told the night of XX/XX/XXXX the appraisal was never done. Now I have to start this process all over and i may lose my dream home because this morgage lender lied to me and came up with a law that does not exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 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: NJ

Complaint narrative:
*XXXX XXXX XXXX {$3800.00} Collection REMAINS *XXXX  XXXX XXXX {$730.00} Charge off REMAINS *XXXX  XXXX  XXXX {$310.00} Charge off REMAINS *XXXX  XXXX  XXXX {$0.00} Acct REMAINS

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 2021-01-08 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: NJ

Complaint narrative:
XXXX XXXX XXXX {$3800.00} Collection REMAINS *XXXX  XXXX XXXX {$730.00} Charge off REMAINS *XXXX XXXX XXXX {$310.00} Charge off REMAINS *XXXX XXXX XXXXXXXX {$0.00} Acct REMAINS

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: NJ

Complaint narrative:
I don't remember that I had an account with these collectors/creditors. I've asked multiple times to send proof of ownership but they haven't complied with my request yet.

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 2021-01-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
on XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611a it plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these inaccurate items be deleted immediately or I will file for litigation due to stress you caused 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 2021-01-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Revenue Corporation
State: TX

Complaint narrative:
I don't recall that I had a record with these authorities/loan bosses. I've requested on various occasions to send verification from proprietorship however they haven't agreed to my solicitation yet.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I never had an account with these collectors/creditors. I tried to contact them several times and ask for proof of ownership but they failed to send me the necessary documentation to prove that I really own this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 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: CA

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and unknown items on my credit report. On this day over 60 days later I have not received a response yet. I feel as though I am being taken advantage of as well as being ignored of my disputes. Section 611 ( a ), it is clearly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 60 days, so it should be deleted promptly. I demand this account be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 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: CA

Complaint narrative:
I never applied for an Amazon credit card through Synchrony Bank. They hit my credit with a hard inquiry 14 months ago. I was told that Synchrony bank would remove the hard inquiry and it has NOT BEEN REMOVED!!!

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 2021-01-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I have no record of this account that ever belonged to me with these collectors/creditors. I've asked multiple times to send proof of ownership but they haven't complied with my request yet.

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 2021-01-08 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
I contacted trans world systems XXXX at XXXX. I spoke to a Representative and Supervisor who refused to give information about 2 items on my credit report that I have no knowledge of. They took all normal information to confirm my identity, but when I questioned and refused to give a credit card # for further identity check they hung up the phoNe up. I tried to call back and no answer

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
I do not have a record of this account that ever belonged to me. I've requested on various occasions to send verification from proprietorship however they haven't agreed to my solicitation yet.

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 2021-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
I asked chase for a {$75.00} chargeback for items not received. I payed someone {$75.00} as a deposit for a gaming system. The person never responded afterwards and never responded to my refund requests. Chases website says they protect against items not received. This is exactly what happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC.
State: SC

Complaint narrative:
I have an installment loan with both cash net USA and XXXX XXXX XXXX and due to COVID my spouse is currently out of work. I have reached out to both companies to explain this and to let them know that I would still like to remain an active payer but could only afford a smaller amount per pay period. They have both refused the lower payment amounts but instead have either deferred the payment which is making the interest constantly accrue and they have offered to split the payment up into four payments which means they expect me to pay the regular amount and the split amount once the one payment deferment ends. They keep saying I need to call back if the situation has not changed and I keep getting the same answer and same resolve. It has gotten to the point that I dont feel like I should call them because they are not listening to me at all

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and unknown items on my credit report. On this day over 60 days later I have not received a response yet. I feel as though I am being taken advantage of as well as being ignored of my disputes. Section 611 ( a ), it is clearly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 60 days, so it should be deleted promptly. I demand this account be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2021-01-08 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: DC

Complaint narrative:
My personal information is incorrect with Equifax. They all have inaccurate personal information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: PA

Complaint narrative:
`Y'all send the cash-out deposit to the wrong account. It was for {$34.00}. I need to dispute it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capio Partners, LLC
State: FL

Complaint narrative:
I would have an a problem when Identity theft on my accounts and this is one of those collection agencies then its been removed before they keep putting it back again onto my credit right now when I check it on my credit this is actually on XX/XX/XXXX and as they can look they can see the nail remover before and they put it back they remove it they put it back every time I have to be fighter making calls dealing with this I told him that was not me I am a victim of identity there for so many years and I asked to be removed this account they remove And then I come back again show

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I never had an account with these collectors/creditors. I tried to contact them several times and ask for proof of ownership but they failed to send me the necessary documentation to prove that I really own this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
In XXXX of 2018 I signed a Home Affordable Mortgage Agreement to modify my mortgage loan serviced by Penny Mac. At the time of the modification Penny Mac secured a partial claim from HUD to bring the account current and establish a new payment. The first payment was due XX/XX/2018. However they did not disclose how the funds received from HUD were applied. I received a statement in XXXX of 2018 and XXXX of 2018 showing several payments of XXXX with no explanation. I called Penny Mac multiple times requested a statement of the charges that were covered with the HUD credit balance and my payments. They have failed to provide this information ; they only stated that it went towards " fees '' but have not provided any explanation or documentation of the fees. Based on this information and lack of providing proof of the debt and how the HUD funds were applied I believe balance reported is higher than the actual amount owed on the mortgage. There may have been an accounting error. I need assistance in investigating the validity of the debt since they have failed after multiple attempts to provide a written explanation of how the funds were applied and the fees they charged me. I'm not sure they are in line with what HUD allows.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX IS BEING REPORTED WITH A {$7800.00} BALANCE XXXX 2021. THEY ARE TELLING ME STEPS HOW I CAN PAY OFF THE BALANCE. MY XXXX XXXX XXXX ACCOUNT BALANCE IS {$0000.00} XXXX. MY CLOSING DATE IS THE XXXX OF THE MONTH. CORRECT MY XXXX XXXX XXXX ACCOUNT TO {$0000.00} WITH NO POINTERS ON PAYING OFF WHAT IS PAID OFF.

Company response to consumer: Closed with explanation