vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: IN

Complaint narrative:
I sold an item on XXXX. The buyer paid me through PayPal. I then received a fraud email that I believed was from PayPal stating I needed to send the buyer a money request for an additional {$520.00} and after I received that pending amount in my PayPal account. I then needed to turn around and send the buyer the {$520.00} through XXXX app. This would upgrade my PayPal account to a business account then all my funds would be released from the buyer through PayPal. So I followed all instructions. Except my money was not made available any of it. I called PayPal and they didnt send the emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 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:
A few months ago I noticed incorrect information being furnished on my credit report. I sent a letter to the credit bureaus on XX/XX/2021. To this day, I have not heard back from them. I wrote a new letter today and will be mailing it out today.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I will request again to Experian Remove all the negative information from my credit report immediately Im tired of the lies by Experian saying or the information is verified by the furnisher that is 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 2021-07-14 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: FL

Complaint narrative:
My dispute letters were mailed on XX/XX/2021 and I have not received my investigation results from the credit bureaus, it has been well over 30 days. This is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 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:
I sent a letter to Equifax XXXX  and XXXX  on XX/XX/2021 and XX/XX/2021 regarding fraudulent and inaccurate items on my credit report. It has been over 5 months and I have not received a response from anyone. Failure to respond is a FCRA violation of my rights as a consumer. In section 611 ( a ), 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. Since it has been over 5 months, these fraudulent and inaccurate items must be removed and deleted immediately. I demand these fraudulent and inaccurate items be removed and deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to obtain credit and these fraudulent and inaccurate items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Home Design/Synchrony Bank keeps sending me statements for money and they call repeatedly on the phone ( I have a machine which answers ). I DO NOT have ANY business with them!! 
I have sent their statements back to them twice telling them I do not and never did have any business with them and they still persist!!! 
I have turned them in for fraud before earlier this year ; statement from them also attached dated XX/XX/2021. They still persist adding interest!! I never heard of " Home Design '' ...

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 2021-07-15 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: TX

Complaint narrative:
this is my 2nd CFPB complaint about the addresses and names being inaccurate on my creit reports. I have sent several letters to Equifax, XXXX and XXXX and they still have not been updated or removed. 

XXXX is reporting inaccurate name XXXX, XXXX and also reporting addresses that don't belong to me : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  is reporting addresses that do not belong to me : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax is reporting addresses that so not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX I want all names to be updated correctly and these addresses that I have never lived at deleted from XXXX, Equifax, and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 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:
Due to pursuant US Code 1681c 2 ( a ) consumer reporting agency shall block the reporting of any information in the file of consumer that indentify theft, no later than 4 business days!

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 2021-07-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
XXXX XXXX Cases XXXX & XXXX I Suffered a Major XXXX, In the Current 3-4 years of Medical Recovery, my Sister was assigned my CARETAKER, I Lived with Her My House was 99 % Mainly Vacated. The XXXX XXXX XXXX XXXX of XXXX XXXX and XXXX XXXX who GIFTED The XXXX XXXX XXXX via a TITLE Transfer of Said Property as a INDIVIDUAL GRANT DEED in my unmarried man NAME This real estate documentation have been LEGALLY RECORDED at the XXXX XXXX County Clerk Recorder 's Office of the State of California for the last twenty-one years ... During this time of House Vacancy the XXXX XXXX XXXX XXXX with Other Associates Executed a A CRIMINAL TAKE PROCESSION of my real estate Property via SERVE CIVIL FRAUD for PROFIT.. 
They are ILLEGAL TENANTS, UNDER FRAUDULENT ACTIVITY RENTAL-LEASE agreements and my Single Family House is being ILLEGALLY RENTED-LEASED, AS DUPLEX UNIT .... 
This is also my Brother permanent Place of Residency ... .thank you

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 2021-07-14 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: Mountain Land Collections, Inc.
State: UT

Complaint narrative:
Mountain Land Collections is reporting an account on my credit that I would like removed. I have paid on this account however, it continues to report on my file and affect my score. I ask that mountain land collections remove this account from my file. I am aware that they can report to the bureaus as they deem necessary. If this is not removed, I will have no alternative than to exercise whatever rights and remedies we have under the law to enforce the removal of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 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: AL

Complaint narrative:
I have disputed this account on several occasions with XXXX XXXX & Experian. Each time, the reporting bureaus respond with a verified as accurate tag. Accounts that have errors or incorrect information, can not be verified as accurate. I have reached out to the collector trying to rectify the situation, all to no avail. XXXX XXXX XXXX continues to report inaccurate information to my credit report, damaging my credit rating. The credit bureaus are violating my consumer rights & ignoring the law by reporting erroneous accounts as verified & accurate. This account is not mine. Ive never associated myself with the information attached to the 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 2021-07-14 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 lost my wallet. I recently checked my credit report and saw may request to look at my credit which I have not completed any application for. All this information listed on this report is FRAUD.

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 2021-07-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
this is not my account I have no obligation to pay this debt I sent a debt validation request to the debt collector called National Credit Adjuster on XX/XX/2021 to validate the debt.they received it on XX/XX/2021 certified mail see attached so you have 30 days to respond me since you received it by law you must to respond me, under the FDCPA and FCRA you are in violation so since you failed to respond me that means you couldnt validate and you couldnt prove that I have any obligation to pay this debt so you must cease any future communication with me and cease all collection effort and remove this negative item from my credit report immediately you have caused damage to my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 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:
I lost my wallet. I recently checked my credit report and saw this request to look at my credit which I have not completed any application for. All this information listed on this report is FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC
State: OK

Complaint narrative:
This company charges 1000 percent interest. I didn't realize it until I took out a larger loan. This can not be legal and is completely predatory.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Millco Management
State: FL

Complaint narrative:
This collection agency ( AMERIFINANCIAL SOLUTIO ) has violated HIPPA. I have never giving this company consent to obtain my medical records. This is unauthorized accessing of PHI. I demand this account is deleted immediately from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
Unauthorized use on my credit card

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 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 lost my wallet. I recently checked my credit report and saw many request to look at my credit which I have not completed any application for. All this information listed on this report is FRAUD.

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 2021-07-14 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:
Due to pursuant US Code 1681c 2 ( a ) consumer reporting agency shall block the reporting of any information in the file of consumer that indentify theft, no later than 4 business days!

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 2021-07-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Arena Investors, LP
State: NV

Complaint narrative:
contacted me at XXXX XXXX for a debt of {$370.00} that I know nothing about

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 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: WI

Complaint narrative:
On XX/XX/2021 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 am being taken advantage of and i am being ignored of my dispute section 611 ( a ), it is plainly stated that a failure to investigate these within 30 days give a reason to immediately remove these items from my credit report it has been over 60 days, so they should be deleted promptly i demand these accounts be delete it immediately or i will file for litigation due to the stress you caused me. My information was also impacted by equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: FL

Complaint narrative:
To whom it my concern, I am submitting a complaint about Dovenmuehl mortgage company, taking money from me outside of our mortgage contract and not, after many months being able to explain why.

Dovenmuehl used to service my mortgage but sold my account to XXXX XXXX in XX/XX/2020. 
I was told to start paying XXXX XXXX each month, which I have faithfully done and continue to pay each month. 
I then had a withdrawal in XXXX from Dovenmuehl for {$1600.00} which non of the " supervisors '' can explain. 
I have spent 2-4 hours on the phone 4 times trying to obtain some sort of resolution to no avail. 
I have also been asked to email a bank statement to show the withdrawal which I have now done 3 times. Being told each time that I will be contacted shortly to resolve the issue.

3-4 months go by before I call and ask " what is happening? '' To which I receive the same run around of a story.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 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: AL

Complaint narrative:
I have disputed this account on several occasions with XXXX, TransUnion & XXXX. Each time, the reporting bureaus respond with a verified as accurate tag. Accounts that have errors or incorrect information, can not be verified as accurate. I have reached out to the collector trying to rectify the situation, all to no avail. XXXX XXXX XXXX continues to report inaccurate information to my credit report, damaging my credit rating. The credit bureaus are violating my consumer rights & ignoring the law by reporting erroneous accounts as verified & accurate. This account is not mine. Ive never associated myself with the information attached to the 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 2021-07-15 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: AL

Complaint narrative:
I have disputed this account on several occasions with Equifax, XXXX  & XXXX. Each time, the reporting bureaus respond with a verified as accurate tag. Accounts that have errors or incorrect information, can not be verified as accurate. I have reached out to the collector trying to rectify the situation, all to no avail. XXXX XXXX XXXX continues to report inaccurate information to my credit report, damaging my credit rating. The credit bureaus are violating my consumer rights & ignoring the law by reporting erroneous accounts as verified & accurate. This account is not mine. Ive never associated myself with the information attached to the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 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: PA

Complaint narrative:
Upon checking my credit report I've notice these fraudulent accounts being reported.

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 2021-07-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: GA

Complaint narrative:
I have sent multiple letters asking and demanding prof of the debt and to date have not been sent any response and the debt collector has illegally added this negative account to my credit reports and demand it be removed ASAP

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 2021-07-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
Since XX/XX/2021, was required the payoff statement of certain mortgage loan through the service agent 's attorney. This loan is in foreclosure process. In the request, my attorney specifically indicated that he expected compliance with ( 1026.36 ( c ) ( 3 ) ). He demanded that the payoff balance be provided within 7 days. After not receiving the requested information, my attorney re-wrote on XX/XX/2021 ; XX/XX/2021 and XX/XX/2021. None of the emails were answered even though an official of the servicing agent was also included on the communications. 

I intend to pay the balance and this delay is assessing me more interest owed, while the servicing agent advances the foreclosure process until the sale of the property in public auction. 

In the last email we warned that we would be filing the complaint and still they did not pay attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PDQ Services, Inc.
State: GA

Complaint narrative:
PDQ Services, Inc reached out to me in 2020 regarding a medical debt from XXXX XXXX XXXX Associates. I sent them a letter challenging the debt and PDQ Services , Inc proceeded to put the negative remark on my XXXX report anyway. After noticing the negative remark on my credit report, I sent a second letter for debt validation and they responded to me after 90 days with a copy of some paperwork from XXXX XXXX XXXX XXXX which gave details regarding my medical history which is against the HIPPA Act laws. I am requesting that PDQ Services , Inc. remove any negative information off of all consumer reporting agencies associated to my social security number.

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