vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-16 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: MN

Complaint narrative:
On XX/XX/2021 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 611 ( a ), it is plainly stated that a failure to investigate these items within 30days 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 accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: CT

Complaint narrative:
I did not receive a expected deposit. I was told the deposit was tried. I was told the deposit would come from a citizens bank in XXXX CT Same bank different location. 
Beneficiaries are not required unless it is a trust account. 

The Bank is not required to and does not accept a wire if an account is not established in the name of the beneficiary. Bank records confirm, Citizens has not received a wire of any amount listing you as the beneficiary. Should the bank receive a wire listing you as the beneficiary, the wire will be returned to the initiating bank if an account with Citizens has not been established. I hope this correspondence has addressed any concern you may have had regarding this matter. Please be assured Citizens commitment is to provide you with the highest level of customer service and consistently exceed your expectations. Should you have any additional inquiries, please contact me directly at XXXX during my office hours of Monday through Friday from XXXX XXXX  until XXXX XXXX  Eastern Standard Time ( EST ). Respectfully, XXXX XXXX XXXX Office of the Chairman CC : Consumer Financial Protection Bureau ( CFPB ) CFPB Case Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
Covid 19 lost my job! They said I had to prove a hardship filled all the paperwork and then they said they understood. At the end of 12 months I requested 3 additional and then they said they could I just had to begin the hardship then they would let me no what options were available. The offer they gave me was a short sale or foreclosure! I argued with them I was going to make my first payment in XXXX and they said Im sorry sps could not offer help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
I got the new Synchrony XXXX credit card in XXXX and earned {$960.00} in rewards for purchases with their double cash promo and they closed my account and will not give me the rewards. They said I was a risk for not paying my bill but I only owed {$69.00} at the time.

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 2021-09-16 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
Paid off auto loan account on XXXX XXXX. Balance was adjusted XX/XX/2021 to XXXX  paid. Documents were ordered along with an expedited request to the credit department to update status to all credit reporting agencies. The account had not been updated in three months. Since the start of the loan Ally never reported accurate balance information. 
I had disputed balance information at least twice over the last two years with all bureaus. 
It was never up to date during the whole time my account was open. 
Also I paid as agreed, never late. 
I have received my paid in full contract last month, 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 2021-09-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC.
State: CO

Complaint narrative:
i purchased this car at XXXX, i payed XXXX extra and then this interest payment showed up XXXX same price as the bill. i have payed every payment. the total on these payments now are XXXX my credit score was XXXX now its XXXX can you help me with this one please. they ruined my credit and now there creating false bills. the company is ally bank in XXXX XXXX XXXX XXXX XXXX XXXX ut 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 explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Dynamic Recovery Solutions, LLC
State: TN

Complaint narrative:
I have previously disputed this with credit with credit bureau and have not received validation of debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
welcome I have an account with PayPal for about a year. I have been working hard with it. I have not violated any of the company 's policies, but a temporary restriction was made on my account and they asked me for documents to prove identity and information about my work, but I was surprised that my account was closed for no reason with an amount of XXXX dollars

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 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: IL

Complaint narrative:
On XX/XX/2021 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 611 ( a ), it is plainly stated that a failure to investigate these items within 30days 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 accounts be deleted immediately or I will file for litigation due to the XXXX  you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Recovery Management
State: TN

Complaint narrative:
I have previously disputed with the credit bureaus and have not received validation of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Recovery Management
State: TN

Complaint narrative:
I have previously disputed with the credit bureau and have not received validation of debt

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Paid off auto loan account on XXXX XXXX. Balance was adjusted XX/XX/2021 to XXXX  paid. Documents were ordered along with an expedited request to the credit department to update status to all credit reporting agencies. The account had not been updated in three months. Since the start of the loan XXXX never reported accurate balance information. 
I had disputed balance information at least twice over the last two years with all bureaus. 
It was never up to date during the whole time my account was open. 
Also I paid as agreed, never late. 
I have received my paid in full contract last month, 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 2021-09-16 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:
Paid off auto loan account on XXXX XXXX. Balance was adjusted XX/XX/2021 to XXXX  paid. Documents were ordered along with an expedited request to the credit department to update status to all credit reporting agencies. The account had not been updated in three months. Since the start of the loan XXXX never reported accurate balance information. 
I had disputed balance information at least twice over the last two years with all bureaus. 
It was never up to date during the whole time my account was open. 
Also I paid as agreed, never late. 
I have received my paid in full contract last month, XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 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: FL

Complaint narrative:
Paid off auto loan account on XXXX XXXX. Balance was adjusted XX/XX/2021 to XXXX  paid. Documents were ordered along with an expedited request to the credit department to update status to all credit reporting agencies. The account had not been updated in three months. Since the start of the loan XXXX never reported accurate balance information. 
I had disputed balance information at least twice over the last two years with all bureaus. 
It was never up to date during the whole time my account was open. 
Also I paid as agreed, never late. 
I have received my paid in full contract last month, 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 non-monetary relief
Consumer complaint received 2021-09-16 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: IL

Complaint narrative:
On XX/XX/2021 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 611 ( a ), it is plainly stated that a failure to investigate these items within 30days 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 accounts be deleted immediately or I will file for litigation due to the XXXX you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 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: GA

Complaint narrative:
Experian has reinserted a disputed account back onto my credit report. The account in question is XXXX/XXXX  XXXX . XXXX/XXXX  XXXX has been sued and found liable for targeting and deceitful lending practices in which I was a victim of. XXXX victimized millions of consumers. Consequently, a class action lawsuit was filed and XXXX was forced to pay damages and forgive millions in loans. The fact that the loan was fraudulently/deceitfully established, this adverse account must be removed from my credit report. XXXX and XXXX had promptly removed this account, as they should have. But, for some reason Experian continues to be the most unreliable and negligent credit reporting agency around by continuing to report illicit adverse information. I am currently suing Experian for the inaccurate reporting of a bankruptcy. I will surely bring this issue up doing my court hearing, Further providing evidence of how Experian does not abide by the FCRA guidelines. I have provided all necessary information on the XXXX account in my dispute of the account, so I will not upload again. I will take the files to court.

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 2021-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have tried to dispute this matter several times by mail also i have disputed online and by phone.The issue im having with TransUnion is its a chargeoff/collection thats reporting open on my transunion report the name of it is XXXX. I want it deleted Immediately due to inaccurate reporting i will attach the the proof along with this.Also TransUnion is the only bureau reporting this.

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 2021-09-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
I purchased an item and paid via PayPal. Immediately after the purchase, I realized I had been redirected to an illegitimate website impersonating a different company. I then quickly called my credit card company and was told that I would have to resolve with PayPal as the funds were paid through them. I then immediately called PayPal and was told the funds had already been sent and I would have to dispute the claim if the product was never received. I was told by the agent that I could receive a refund if the item was never shipped. I opened a claim with PayPal and they quickly closed it saying the seller provided a shipping notice. The notice was bogus as was the website. PayPal simply closed the claim. The website clearly gives instructions that you can escalate a claim, but that feature is not available when I follow the instructions. The site also will not let me reopen the claim. I can not find any way to dispute further with PayPal. I've also tried to call PayPal multiple times but end up on long holds and ultimately have to hang up due to my job. Below is the information from the PayPal purchase. 

Paid with XXXX XXXX XXXX Visa VISA Credit Card XXXX You'll see " PAYPAL XXXX '' on your card statement. 
{$490.00} Shipped to XXXX XXXX " Address '' XXXX XXXX XXXX XXXX XXXX, GA XXXX United States Have you received this order? 
XXXX XX/XX/2021, Sent by XXXX XXXX : Shipped Have you received this order? 
XXXX XX/XX/2021, Sent by XXXX Status : Shipped Have you received this order? 
XXXX XX/XX/2021, Sent by XXXX Status : Shipped Transaction ID XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-16 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: MRS BPO, LLC
State: VA

Complaint narrative:
The credit bureau has my Social Security number wrong so this company has reported this bill with the credit bureau and I do not oh the bill so I disputed it telling them that it does not belong to me and I can prove it with my Social Security number And i lost the dispute And the bill has been put in collections

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

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 2021-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase offered forbearance on credit card accounts for the plandemic period from XX/XX/2020 until Biden declared the plandemic is over. 

I was supposed to have my interest rate lowered to 0 % for that time period. Also, they were going to credit back to my account, all late fees, balance transfer fees, miscellaneous charges, and interest charges, from XX/XX/2020 until today. They were supposed to accept lower monthly payments of {$100.00} per month. 

Now, they are threatening to close my credit card, even though I just sent them a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: LJ Ross Associates
State: GA

Complaint narrative:
On XX/XX/XXXX an associate from L J Ross Associates called me stating I owe a balance of over {$1000.00} that was sent from XXXX XXXX XXXX! I explained to the associate i did not have any debt with either company and she should not call me demanding a payment! The associate disregard my response and continued to tell me I owe this balance and continued to repeat the last four digits of my social security number! The associate also told me I need to pay this balance or a legal action would be taken and disconnected the phone line. I've sent a letter to L J Ross Associate 's on XX/XX/XXXX and have not received a response in regards to my letter! Under section 15 U. S. C 1692b ( 2 ) Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owes debt! I am demanding that all phone calls be terminated and I am paid XXXX per violation of this company!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc.
State: VA

Complaint narrative:
This company did not send any written communication prior to adding this account to my credit report. Per FDCPA every company is required to send a written notice for collection accounts prior to reporting an alleged debt to the data furnishers ( XXXX, XXXX and XXXX ) that was not done. I did not get the opportunity to dispute this debt due to the companies lack of following the Fair Debt Collections Practices Act.

This has created a situation where I am not able to move. due to the companies failures.

Company response to consumer: Closed with explanation