vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-31 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: TX

Complaint narrative:
I have sent multiple disputes to Equifax credit bureau and I have heard nothing from them, I have attached multiple documents to help with investigation and multiple times my investigation has come back verified as 100 % correct. Per the fcra Equifax should be doing 100 % check on items I am reporting as incorrect. documents attached is evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-31 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: AES/PHEAA
State: MA

Complaint narrative:
These fed loan srv accounts are reported inaccurately. The late remarks started 120 days right after good payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NJ

Complaint narrative:
We just recently found out that apparently the debt collector Plaintiff attorney law firm has been switched on XX/XX/XXXX and yet we received no notification from the Servicer,  the old law firm or the new law firm. 
The old law firm XXXX, XXXX, XXXX continued to correspond with us by phone and email thru XX/XX/XXXX even though they were no longer the law firm on the foreclosure complaint. They continued to give us false, incorrect and contradictory information. We only found out about this change when the Servicer Rushmore Servicer charged our account over {$1500.00} for fees for the new law firm, who has done nothing on the case, that we are aware, of that our account wasnt already charged for the previous law firm. When we questioned Rushmore, they had no answer of what the breakdown of fees was for and directed us to call the new law firm XXXX, XXXX XXXX XXXX. When our phone message was returned by law firm, they also had no idea what the fees were for, but had full knowledge of all the previous chain of events of the foreclosure complaint, which the law firm smugly and condescending tone talked down to us and went as far as to say to my that I am one of those guys and he knows my type. 
Im furious at the way I was treated by this law firm, as its my very first contact with them and ever and I was directed by the Servicer Rushmore to contact them to get my questions answered regarding the $ XXXX fees, which at this time present time today still has not been answered. 
Our complaint is against 1. the Servicer Rushmore for the fees added to the account with no explanation and incorrect Reinstatement balance. 
2. Old law firm XXXX XXXX XXXX XXXX XXXX for continuing to contact us and give us incorrect information, when to best of our knowledge and according to new law firm was no longer the law firm on the foreclosure complaint case as of XX/XX/XXXX. 
3. New law firm XXXX, XXXX XXXX XXXX for their unprofessional, smug and condescending attitude while speaking with me for the very first time and not answering our questions regarding their law firms fees charged by the Servicer. Which as of today we still have not had answered by the law firm as they said would happen on our phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Transunion has blocked every attempt at me disputing my credit. Everytime I try online, no one answers. I sent a dispute through the mail and they never responded. I am told to call and ech time I call, I am put on hold for hours. I sent a letter requesting to see the original contracts from the credit to get more information and received nothing. There are accounts that are on my credit report that never went into bankruptcy. There are collections for accounts that were included in bankruptcy. There are accounts listed that were never mine. There are addresses that I never used. There are inquiries that I never authorized. Each time I send the documentation from my bankruptcy and list of creditors, the only thing removed are the collections which end up being put back on after a few months. 
I was in foster care as a child and my information has crossed many hands. I'm trying to narrow down who could possibly be obtaining and trying to obtain credit in my name. Transunion has made it impossible. It has taken a serious toll on my life. I need help getting ensuring that these matters are resolved. The credit collections agencies will not answer my questions because I don't have the information used to verify the accounts because they were opened fraudulently.

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 2020-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have sent multiple disputes to transunion credit bureau and I have heard nothing from them, I have attached multiple documents to help with investigation and multiple times my investigation has come back verified as 100 % correct. Per the fcra transunion should be doing 100 % check on items I am reporting as incorrect. documents attached is evidence.

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 2020-05-31 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Experian continue to report inaccurate and incomplete information on my credit file. I have reached out to Experian several times and sent in doucmentation proving the information being reported is incorrect however it still appears on my credit file. I have also tried to call and explain this dispute and currently a incorrect public record still appears hurting my credit tremendously.

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 2020-05-31 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-31 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-05-31 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:
Dear sir or madam, My original complaint : This is regarding my PayPal account created in my name : registered email address : XXXX My account was permanently limited without reason or explanation. Only after I filed a complaint with the XXXX  did they give an explanation. But it is not satisfactory. All they say is that my activity is somehow " suspicious '' without explaining what this means, or why they feel this way. They said they will put a hold on my money for 180 days. At this time I have over {$600.00} in my account and it is a lot of money, and quite a hardship they are keeping it, during this pandemic. 


After 180 days have passed, Paypal did not return my money. They took my balance and deducted it to zero, so Paypal basically took my money without reason or explanation. I filed a complaint 180 days ago with the XXXX. I want my money NOW, and I don't want to hear any more excuses from Paypal. 


Please help me. 

Thank you, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MS

Complaint narrative:
I went into the Toyota dealership in XXXX, MS in XX/XX/XXXX, and purchased a XXXX XXXX XXXX, and initially, I bought the extended warranty on the vehicle. The extended warranty purchased totaled {$3800.00}. After thinking it over the following day, I told the finance manager that I did not want the extended warranty and to please remove it from my contract. I reached out multiple times and each time she told me the additional care ( {$3800.00} ) would be taken off the contract. Over the span of 6 months, I reached out and requested action on this issue because it wasn't showing up on Toyota Financial 's interface. On one occasion, I requested proof because I was starting to become skeptical of its existence, and like all the other times, I did not hear back about it. In XX/XX/XXXX, I sent one final message requesting action and she read the message but decided not to respond. Therefore, I found it reasonable to escalate it to her management team. Over the course of two weeks, I've called the general manager, general sales manager, sales manager, service manager,  and dealer principal. I did not hear back from any of them on the matter. I've been paying interest at 3.79 % for {$3800.00} ( amortized ) since XXXX of XXXX and the team, specifically the financial manager, have in my opinion unethically dodging action to their benefit trying to take advantage of a young servicemember because they don't think I can do anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-31 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: NY

Complaint narrative:
I am looking at my XXXX XXXX on XX/XX/XXXX. I noticed 2 inaccurate things one from the other day which is how I noticed it and another thing. This was 100 % not authorized by me. the first thing was a inquiry or something with XXXX  XXXX XX/XX/XXXX which i never applied anything for and another one on XX/XX/XXXX which i never applied for and is also never authorized by me. I have reached out to both companies and told them this is fraud and they said they will look into it. This is all unauthorized by me and i feel this should be off my credit profile as soon as possible under the fair credit act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-31 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: NY

Complaint narrative:
I am looking at my XXXX  XXXX  on XX/XX/XXXX. I noticed 2 inaccurate things one from the other day which is how I noticed it and another thing. This was 100 % not authorized by me. the first thing was a inquiry or something with XXXX  XXXX XX/XX/XXXX which i never applied anything for and another one on XX/XX/XXXX which i never applied for and is also never authorized by me. I have reached out to both companies and told them this is fraud and they said they will look into it. This is all unauthorized by me and i feel this should be off my credit profile as soon as possible under the fair credit act.

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 2020-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: OH

Complaint narrative:
XXXX  accounting and my PNC account were working perfectly together. Somehow the link got broken, and I can not get my account reconnected to the accounting software. I have reached out to PNC, and they say there is nothing on their end causing the problem, the accounting software providers say they have issues with PNC. My wife banks with PNC, and her connection with her bank account is still working with no issues. I just want to get automatic downloads of transactions working again, so they don't have to be manually added.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-31 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: Nelnet, Inc.
State: MA

Complaint narrative:
These deptednelnet accounts are reporting with similar inaccuracies. The late 90 days remarks are coming right off a good payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-31 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: UT

Complaint narrative:
XXXX XXXX I called to see the status of my account closure. They said a check will be sent in 7-10 days but My account was closed over 3 weeks ago. I am still waiting for a check to come in the mail for about 90 dollars. I have spoken with customer service several times about closing my account previously because they froze my account without incident and closed it with claims of fraudulent activity. I need my money back from this account ASAP. The bank is HSBC.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Pluese, Becker & Saltzman, LLC
State: NJ

Complaint narrative:
We just recently found out that apparently the debt collector Plaintiff attorney law firm has been switched on XX/XX/XXXX and yet we received no notification from the Servicer,  the old law firm or the new law firm. 
The old law firm Pluese, Becker, Saltzman continued to correspond with us by phone and email thru XX/XX/XXXX even though they were no longer the law firm on the foreclosure complaint. They continued to give us false, incorrect and contradictory information. We only found out about this change when the Servicer XXXX Servicer charged our account over {$2000.00} for fees for the new law firm, who has done nothing on the case, that we are aware, of that our account wasnt already charged for the previous law firm. When we questioned XXXX, they had no answer of what the breakdown of fees was for and directed us to call the new law firm XXXX, XXXX XXXX XXXX. When our phone message was returned by law firm, they also had no idea what the fees were for, but had full knowledge of all the previous chain of events of the foreclosure complaint, which the law firm smugly and condescending tone talked down to us and went as far as to say to my that I am one of those guys and he knows my type. 
Im furious at the way I was treated by this law firm, as its my very first contact with them and ever and I was directed by the Servicer XXXX to contact them to get my questions answered regarding the $ 2000+ fees, which at this time present time today still has not been answered. 
Our complaint is against 1. the Servicer XXXX for the fees added to the account with no explanation and incorrect Reinstatement balance. 
2. Old law firm Firm Pluese Becker & Saltzman for continuing to contact us and give us incorrect information, when to best of our knowledge and according to new law firm was no longer the law firm on the foreclosure complaint case as of XX/XX/XXXX. 
3. New law firm XXXX, XXXX XXXX XXXX for their unprofessional, smug and condescending attitude while speaking with me for the very first time and not answering our questions regarding their law firms fees charged by the Servicer. Which as of today we still have not had answered by the law firm as they said would happen on our phone call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In mid-XXXX, my XXXX  was forced to shut its dining room due to Covid-19 and I had to lay off nearly all of the two dozen staff. Sales plummeted more than 90 % even while trying to do just take-out orders. My financial position was very uncertain as the business had been taking losses since the start of the year due to rising public fear. 

I then learned that Chase Bank was offering assistance to people and businesses that were impacted. In lateXXXX and earlyXXXX I called Chase at least 5 separate times about my home mortgage. Several of these calls I was on hold well over an hour just to speak with someone. After a lot of time and effort, I was told that my mortgage payments would be deferred up to 3 months with no penalties. 

By the middle of XXXX ( a little over 1 month since my last call to Chase ), my finances became clearer and I were ready to make full payments for the mortgage. When I reviewed the account, what I found was completely unexpected. Chase had reported my account to the credit bureau for non-payment. When I called about this, I was told again there was no record of any calls to Chase for assistance. 

On top of the extreme challenges I've had to deal with the past few months trying to save my business, Chase Bank has only compounded my problems. It would have been better had Chase simply not offered assistance and I would have sought more trustworthy alternatives for financing and help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Revenue Corporation
State: TX

Complaint narrative:
The collection agency mailed a collection notice to an address that I have not resided for more than 5 years. The debt is not mine and I do not owe any funds to the collection agency. I mailed the CA a debt VALIDATION ( not verification ) request letter via certified mail on XX/XX/2020. On XX/XX/2020, I received a letter from the CA in response to my request for debt validation. The company sent a partial copy of a bill that included my name, previous address, and dates during which I was NOT living at that address or in the state mentioned. Not only does this information fail to satisfy the criteria for proof of debt validation, but I believe this information was obtained under false pretenses. They purchased this debt from the medical center where I supposedly received services, but did not provide adequate information ( actual billing info, discharge paper, diagnostic info, prescription, treatment plan, etc. ) to support the actual validity of the debt and identity of the person that received treatment. Not to mention, purchasing a person 's debt from another entity is illegal within itself. Much of my personal information was leaked in the recent XXXX, XXXX, and XXXX  breaches. Anyone could have stolen my personal information from the internet or data breach and used it fraudulently.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-31 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: Lockhart, Morris & Montgomery Inc.
State: CA

Complaint narrative:
I have filed a complaint with the three credit bureau 's and the investigation took well over 30 days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation