vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-09 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: IL

Complaint narrative:
I am very upset over the credit report. This is totally out of control. I am amazed that the government allows you to make such obvious errors that damage people so badly. I am willing to do whatever it takes to make you responsible for poor reporting practices if you do not respond quickly and accurately to this letter. I dont know where you got the following accounts from : 1. This account resulted due to identity theft. 
XXXX XXXX XXXXXXXX Account Number : XXXX Please remove this account from my credit report immediately! 
ONLY TRANSUNION HAS REPORTED THIS NEGATIVE ACCOUNT ON MY CREDIT HISTORY.

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 2021-04-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA

Complaint narrative:
Due to covid, my spouse and I suffered reduced hours and also job loss, so the mortgage company allowed us to go into forbearance XX/XX/XXXX, with an end date of XX/XX/XXXX. We then contacted them to get the additional 3 months forbearance that the Cares Act provided, since this would help us tremendously. The only option they gave us was doubling up our current mortgage amounts to {$3400.00} monthly beginning XX/XX/XXXX, and lasting for 12 months to bring the mortgage current. We contacted them to say, doubling the payment that we already had difficulty paying would lead us down the path to foreclosure. They also said they can not offer a remodification, and this is all they can do to help us. While in discussion with their representative, she told us to consider liquidating our home, after we told her we are raising our XXXX children here and we do not want to lose our home. We advised that we have many other bills and responsibilities that we have to keep up with, along with the mortgage but they are just not willing to offer any other resolution. Please assist us in resolving this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
I contacted XXXX multiple times to remove the collection account. This medical collection was generated in error and I paid the account on XX/XX/XXXX in full. The collection agency also notified all credit bureaus to remove the account from the credit history as it was in error and has been paid in full. XXXX and XXXX removed the account but XXXX has not taken any action. When contacted multiple times, I was told that the collection agency is still reporting the debt, when they are not.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 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: PA

Complaint narrative:
Transunion has listed negative account on my credit history and that account doesn't belong to me. That inaccurate item ( listed below ) is affecting my credit score and livelihood. Please delete these accounts immediately. 

Here are the erroneous account Transunion has listed : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX This account doesn't belong to 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 2021-04-09 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I THINK TO SAY WITH CONFIDENCE THAT NONE OF THE THREE ( 03 ) CREDIT REPORTING AGENCIES ARE QUALIFIED. I AM CERTAIN IN GOOD REASON ( S ) IN-WHICH I CAN, WILL & AS I WILL NOW DO SO & SAY BEING YOUR PATIENCE LISTEN ME PLEASE?. 
I HAVE AS I AM MAKE MY PAYMENT 'S BEFORE DUE AS WELL TWICE AS MUCH & MORE THAN AS WELL OFTEN & AT SAME TIME PAYING MUCH ATTENTION MY LIMIT 'S & RATIO 'S MATHMATIC IN CONSCIOUS EACH & EVERY MONTH AS WELL " ALL '' PAYMENT 'S, EXACTLY W/PROMISE I HAVE/I AM. 
SINCERELY, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax has taken over 210 days to rectify a dispute that I made back in XXXX. I have sent several letters and there has been no communication with me to let me know that this matter has been reviewed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX I checked my Transunion credit score through XXXX XXXX and my score decreased by 71 points. The only change that was made was that I made a payment on my XXXX account to decrease my credit card utilization which went from 80 % to 53 %. My credit score should not have dropped because of paying down a revolving account.

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 2021-04-09 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
State: CO

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC
State: CA

Complaint narrative:
On XX/XX/XXXX During the shutdowns of Coronavirus I contacted XXXX in XXXX XXXX, California through email as a concerned member that had just been charged a monthly membership of {$20.00}, even though they were closed. I received a reply from the manager that he would make sure that moving forward the account would not get charged and that anything that was owed to me would be giving back to me once the gym opened up again. ( emails are attached for reference ) On XX/XX/XXXX I contacted XXXX by email again, this time for one main reason ; to cancel my membership. I received a bit of resistance from the manager by email, by offering me to instead freeze my account. I was set to cancel no matter what. After that email he also called an old phone number that has not been mine for years and gave information about my account to that person. All this was done knowingly that that person was not me and someone else. I was not happy about that either. I responded back by email saying that I wanted to proceed to cancel my account. After that email was sent I considered it done as there was no other response back from him. This was still during the shutdowns when the gyms were still closed. ( emails are attached for reference ) 6 months later In XX/XX/XXXX I receive a text on this day from an employee named XXXX from XXXX, threatening to send me to collections if I did not pay what was past due. I was shocked to know that Crunch had never canceled my account as requested in XX/XX/XXXX. I immediately contacted them by email. I waited the time the XXXX website suggest to wait for a response and no reply was ever received on my email. I then proceeded to contact them by phone and spoke to an employee at XXXX regarding this issue. She didnt give me any information I requested and she advised to wait to get a call back from XXXX which is the manager ( the one I had communicated by email in XXXX and XX/XX/XXXX ) and not to worry that they were having software issues and that I was not the only one with this past due balance issue that needed to be resolved. Regardless, I waited and no call was ever received from XXXX at XXXX in XXXX XXXX, CA. The customer service I have experienced with them is unprofessional, not returning email messages, trying to understand and communicate and not being able to do so, for a suppose debt that I am sure do not owe. ( text message and email are attached for reference ) On XX/XX/XXXX I received a letter a little late because it was sent to the wrong address in the mail. Its from XXXX collection agency, law firm Aldous & Associates. Stating I owe {$270.00}. This is not correct at all. ( Picture of letter is attached for reference )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 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: EQUIFAX, INC.
State: CA

Complaint narrative:
My consumer statement is inaccurate. This section of my credit report should be blank because I have not provided the company with a statement. Somehow, the details of a former dispute, have been copy pasted into that section. I have asked Equifax over a period of several months to remove it and they just won't. The statement is inaccurate and I have disputed this item multiple times to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 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: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
I paid SYNCH/XXXX off because of their outrageously high rates and they reported it as account closed instead of the real reason! TYPICAL XXXX WITH THEM

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 2021-04-09 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: LA

Complaint narrative:
I paid XXXX/XXXX off because of their outrageously high rates and they reported it as account closed instead of the real reason! TYPICAL XXXX WITH THEM

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 2021-04-09 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I paid XXXX/XXXX off because of their outrageously high rates and they reported it as account closed instead of the real reason! TYPICAL XXXX WITH THEM

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 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: FL

Complaint narrative:
3 Rounds of dispute letters have gone to the credit bureaus - Equifax, XXXX and XXXX about the removal of the negative and false information on derogatory accounts being reported on my credit report but I DID NOT GET EVEN A SINGLE RESPONSE from them. These are the accounts I am talking about : XXXX XXXX Account Number : XXXX, XXXXXXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX Account Number XXXX XXXX, XXXX/XXXX  Account Number : XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX ( Original Creditor XXXX XXXX  I Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX XXXX Account Number : XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
WELL, WHAT IS AS SAME IS AS TO HAPPENING IS NOTHING IS HAPPENING & I AM FINDING THIS A REAL SERIOUS PROBLEM BEING I AM MAKING " ALL '' PAYMENT 'S BEFORE DUE AS WELL TWICE AS MUCH IN AS TIME 'S DUE & I AM NOT BEING FAIRLY ADJUSTED IN MY SCORE 'S.

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 2021-04-09 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
State: TN

Complaint narrative:
PAYPAL CLOSE MY ACCOUNT FOR NOT REASON  AND THEM WILL NOT HELP ME  WITH GETTING IT BACK UP AND GOING.   EVERYTIME WHEN I TRY TO  TAKE OUT MY MONEY FROM MY ACCOUNT   THEY JUST BLOCK ME  FOR AVOID THAT I CAN USE MY MONEY.  THEY JUST MADE ALL DIFFICULT FOR ME.
MY ACCOUNT WAS ALREADY VERIFY WITH ALL MY PERSONAL INFORMATION AND I NEVER MADE ANY MISTAKE.  I  NEVER HAD ANY DISPUTE OR CHARGE IN MY ACCOUNT.  THEY SAID I CAN SEND MONEY TO MY FRIEND AND FAMILY AND AFTER I DONATE MONEY TO MY  FRIEND THEY BLOCKED MY ACOUNT , AND THEM THEY JUST CLOSE MY ACCOUNT WITH ALL MY MONEY .   I THINK THIS COMPANY STOLE MONEY FROM PEOPLE , WITHOUT THINK HOW PEOPLE WORK FOR GET THE MONEY. THEY  NEVER TAKE MY CALLS OR RESPOND MY MESSAGE . I RECORD EVERYTHING     ABOUT THAT COMPANY JUST STOLE MONEY FROM THE PEOPLE  WITHOUT ANY RESON . PAYPAL IS NOT DOING HER JOB PROPERLY AND THAT THE REAZON I AM FILE A REPORT HERE. PAYPAL IS VIOLATING THE RIGHTS OF PEOPLE BY CLOSING ACCOUNTS TO KEEP THE MONEY AND SO MAKE YOUR COMPANY GROW WITH THE MONEY THAT IS STOLEN FROM PEOPLE. MY CASE IS AN EVIDENCE.
MY EMAIL IS XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Advantage LNS Inc.
State: TX

Complaint narrative:
National Credit Audit Corporation ( NCAC ) XXXX XXXX XXXX XXXX, TX XXXX. Is a debt collection agency, reporting on all three major credit agencies ( XXXX, XXXX and XXXX ) an alleged owed debt. I have reached out to National Credit Audit Corporation ( NCAC ) disputing this information. National Credit Audit Corporation ( NCAC ) has failed to validate this debt. At no time have I entered into any agreement with National Credit Audit Corporation ( NCAC ). And National Credit Audit Corporation ( NCAC ) can not provide any legal documentation with my valid signature of any alleged rental agreement. National Credit Audit Corporation ( NCAC ) is a debt collection organization, and the alleged original creditor is an apartment complex. The original credit has reported they have no ties and/or affiliation with National Credit Audit Corporation ( NCAC ). 

On XX/XX/2019 I received written notification of this alleged debt. On or about XX/XX/2019 and again on or about XX/XX/2019 I requested the following of National Credit Audit Corporation ( NCAC ) : in accordance with Section 809 - Validating Debts of the Fair Debt Collection Practices Act. National Credit Audit Corporation ( NCAC ) continues to fail to validate this debt and provide original documentation of the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay National Credit Audit Corporation ( NCAC ) what you say I owe ; Identify the original creditor ; Provide a verification or copy of any judgment ( if applicable ) ; Show me that you are licensed in my state and provide me with your license numbers ( if applicable ).

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 2021-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
NOTHING HAS HAPPEND IS MY ISSUE, NO SCORE 'S?.

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 2021-04-09 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I sent a 3 requests to XXXX, Experian and XXXX on XX/XX/2020, XX/XX/2020, and XX/XX/2020 to investigate the negative accounts on my credit report and they have yet to respond. This is a major violation of my rights. This is not right. They are not responding or honoring my request. I decided to send certified and still, no response. I have proof that they received my letter and did not complete the investigation in the time given by the FCRA. I shouldn't have to continue to have a negative mark on my record because they couldn't verify any of my accounts. Not responding was only giving creditors over 8 months. This is ridiculous!

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 2021-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Accurate Background
State: IA

Complaint narrative:
Got hired for a job and lost it because i have a open case on background check for mvr but im on a payment plan thats why its open. Now I lost my job because false information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Thomas Agency, Inc.
State: SC

Complaint narrative:
I have had several conversations with all parties involved since XXXX and there is still no active response to correct the issue. all parties are in complete understanding that there was a coverage issue, due to a misapplied insurance reporting. The insurance has agreed to reprocess said claims from XX/XX/XXXX. I have received documentation from the insurance confirming coverage for said date : XX/XX/XXXX. There should no no balance owed as it was covered 100 % under XXXX XXXX. The issue came when it was improperly reported that i had XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, but rather I had changed XXXX/XXXX locations and providers from XXXX Maine, to XXXX, Maine. And, I didn't XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX, but rather she was born in XXXX, XXXX I have spoken with all parties involved, XXXX agreed the charges were covered 100 % by insurance, but the medical provider nor the collections company have resent the original EOB to XXXX  for proper processing. But, rather they are continuing to damage my credit and seek payment for charges that are covered 100 % by insurance because they rendered false information to the insurance provider regarding my status.

Company response to consumer: Untimely response
Consumer complaint received 2021-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I have tried speaking to Equifax about a 30 day reporting from a creditor XXXX, to get the negative removed from my credit report. 

The creditor removed the 30 day reporting ( XX/XX/2020 ), due to an error on their part ( physical address ) and loan being paid in full. I was advised from creditor by phone and in email that the reporting was removed and I should see the changes within 60 days. 

Upon speaking with XXXX  and sending information was told to contact the lending institution. I have now spoken with the manager of collections within the lending institution. He has again sent info to Equifax, to remove the negative and 30 day reporting but the negative still remains when I log into XXXX XXXX and XXXX  and shows in my Equifax credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Valley Collection Service, LLC
State: AZ

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.

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