vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-18 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: NV

Complaint narrative:
I received a copy of my credit report after receiving a call from a debt collector that I'd never done business with. I believe my info was a part of the XXXX  data breach awhile ago and someone has got my information and using it to open multiple accounts in my name. I filed a police report and an identity theft report. I also sent my ID, social, bank statement showing my address and all pertinent info to all 3 credit bureaus and they still have not removed the items I disputed as fraudulent.

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 2020-12-18 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: NV

Complaint narrative:
I received a copy of my credit report after receiving a call from a debt collector that I'd never done business with. I believe my info was a part of the Equifax data breach awhile ago and someone has got my information and using it to open multiple accounts in my name. I filed a police report and an identity theft report. I also sent my ID, social, bank statement showing my address and all pertinent info to all 3 credit bureaus and they still have not removed the items I disputed as fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 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: NV

Complaint narrative:
I received a copy of my credit report after receiving a call from a debt collector that I'd never done business with. I believe my info was a part of the XXXX  data breach awhile ago and someone has got my information and using it to open multiple accounts in my name. I filed a police report and an identity theft report. I also sent my ID, social, bank statement showing my address and all pertinent info to all 3 credit bureaus and they still have not removed the items I disputed as fraudulent.

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 2020-12-18 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX and please do not change the variation to keep this address remove it FTC violations and FCRA XXXX XXXX XXXX Account charged off. {$1700.00} written off. {$1600.00} past due as of XX/XX/2020. 
( XXXX ) XXXX Public Record

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 2020-12-18 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX and please do not change the variation to keep this address remove it FTC violations and FCRA XXXX XXXX XXXX Account charged off. {$1700.00} written off. {$1600.00} past due as of XX/XX/2020. 
( XXXX ) XXXX Public Record

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 2020-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I was reviewing my credit report and I discovered unauthorized inquires in which in I never applied

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 2020-12-18 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: FL

Complaint narrative:
To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. Collection Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor name : XXXX XXXX XXXX ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) The creditor replied they would remove the disputed item but the bureau is still reporting the information. see the attached letter from 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 2020-12-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PROVIDENT FUNDING ASSOCIATES
State: IL

Complaint narrative:
I had a shortage on my escrow account and the payment went up way more than 10 percent. When I tried to contact the lender to stretch my escrow shortage only for more than 12 months, the answer was NO, they can not. I don't understand WHY because every lender in America will provide help with this. 

My payment went up 20 percent. I guess PROVIDENT is out of touch with their clients. Also, I DO NOT want to beon COVID 19 plan which is the only thing their assistant XXXX recommended. Please help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: National Debt Holdings, LLC
State: CA

Complaint narrative:
Payday loan taken in XX/XX/XXXX - went delinquent XX/XX/XXXX, was sold to XXXX XXXX XXXX in XX/XX/XXXX - I never received phone calls or communication from XXXX XXXX XXXX. On XX/XX/XXXX, I received message on XXXX from XXXX XXXX who I have not been in contact with in 20 years saying XXXX XXXX was looking for me. I contacted XXXX who said they could take any means necessary to locate me, I asked for the address they had which is my address. They said they sent me mail in XX/XX/XXXX which I never received. I informed them I would take legal action if they continue to reach out to any of my personal or business contacts on XXXX  or other social media and to send me whatever documents they needed to. They asked me for an exact date and time I would be home, I refused to give them that information because it was threatening to me since I am a single mother at home with a XXXX year old child. It is not legal to use social media for collection attempts, they said they could not locate me but then gave me my address. Whatever sick games they are playing should be stopped.

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 2020-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America has kept on accumulating fees because merchants attempted to take money out of my account. Its been piling up for months and I have no money to pay these fees. I had asked them to block these companies and they told me that itll cost {$30.00} per stop payment, which I do not have.

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 2020-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC
State: FL

Complaint narrative:
This company has an account on my credit profile that is not mine, inaccurate or belongs to someone else. They are in violation of the fcra and have no written contract with my wet ink signuture I agree or willing to pay 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 2020-12-18 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:
XXXX has reported a loan in my name, which I did not take, for {$500.00}. The loan is currently in charge off and has been delinquent since 2018, per my credit report on equifax, and I have tried disputing it multiple times with no avail. I have never used XXXX  nor have any accounts with them, so whenever I contact them about the loan, they tell me I am not in the system and they can not find validation for the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My husband and I recently filed a complaint against capital One for unethical business practices. The day after they froze my checking account for " fradulant activity '' when there was none at all. Now they are refusing to give me access to my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: ATG Credit, LLC
State: IL

Complaint narrative:
My complaint is againt XXXX. They were supposed to remove negative credit information off of my report although I faxed proof showing I paid the debt. I also faxed my social security card and drivers license like they told me too, but they said they never received it. They said it took 5 days for them to receive the items but done some reason my docs never reached them although I received confirmation from my fax machine. 

In addition, they said there is no way to contact anyone on the " back room '' to see if my fax was received because the manager doesn't have anyone to contact. He also told me he could not give me his supervisors information. 

Lastly, they lied and told me they could remove the negative charge in 7 days after they receive my documentation. Now they are telling me its 30 days. 

1 ) XXXX  misplaced my private identification documents 2 ) XXXX  lied about expediting the removal of negative credit information 3 ) XXXX  gave me the run around when I tried to get this taken care of

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 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: TX

Complaint narrative:
I have submitted several disputes starting back in XXXX with the credit bureaus for an account on my credit reports. The account is with XXXX XXXX. The issue that I am having is that the account is reporting inaccurately on my credit reports. When I first started monitoring my credit in XXXX I noticed that the account was reported as a collection/chargeoff on my XXXX and Experian credit reports and Late 120 days on XXXX. When I looked at the payment history while Experian was reporting the account as a collection/chargeoff, XXXX was reporting it as 120 days late and OK at the same time. I disputed these inaccuracies and asked that the account be removed from my credit reports. The dispute results came back that the account was verified as accurate. When I checked my credit reports in XXXX the status of XXXX was changed from a collection/chargeoff to late 120 days and the payment history for XXXX was changed to OK at the same time that Experian was reporting as a collection/chargeoff. As I continued to monitor my credit reports, Experian changed the status from collection/chargeoff to Late 180 days. The account has also been continually reaged. I have disputed this account several times including in XXXX and XXXX and each time the account has come back as verified. The inaccuracies have severely affected my credit score and have prevented me from being able to purchase a home.

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 2020-12-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
We believe we are entitled to a refund due to being overcharged through the improper interest rate, starting on XX/XX/XXXX. In the Rate Improvement Addendum to the Note our original interest rate of 5.5 % had an automatic reduction to 5.125 % interest rate starting on XX/XX/XXXX. We believe all the conditions to the rate reduction have been met, and automatic reduction should have started on XX/XX/XXXX. 

By our calculations, we overpaid on our mortgage by {$1100.00}. We hope they can re-calculate the amount we are owed from XX/XX/XXXX when our rate was not automatically dropped from 5.5 % to 5.125 %, make the necessary adjustment, and process the refund. 

Our total loan payoff amount as of XX/XX/XXXX is {$1100.00} and we would like to reconcile the account with the amount owed to us ( {$1100.00} ). 

We made several attempts ( 4 ) to mitigate the issue through NewRez customer service phone number, making the request to review the mortgage contract, notes and addendum and look into the issue of Automatic Rate Reduction not being processed. After following up on our complaint and a request for review of the automatic date drop with their research department we made on XX/XX/XXXX ( request was made with XXXX XXXX ) ; we were told that someone in their customer service made a mistake when filing the request. We made another request for the review and a complaint on XX/XX/XXXX ( with XXXX and her supervisor XXXX XXXX who now expedited our request. When I followed up on XX/XX/XXXX ( XXXX XXXX ) I was told, again, that the customer service made a mistake when filing the request. At this point we made the request again for the research department to check on the mistake, and filed a complaint. 

After failed attempts to get resolution through customer service phone number, we decided to send a qualified written notice of error to NewRez. We sent this letter by certified mail on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I was reviewing my credit report and I discovered unauthorized inquires in which in I never applied

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I was reviewing my credit report and I discovered unauthorized inquires in which in I never applied

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 2020-12-18 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: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
On XX/XX/20, the insurance company paid {$27000.00} towards the payout of the car which left a balance that I received a bill for in XXXX with a due date of XX/XX/20. On XX/XX/20 your company reported to the credit bureaus that I was 30 days late dating back to XXXX for {$920.00}, Which was incorrect because I was not late and the insurance company made payment on XX/XX/20. I called several times to correct the problem but all the CSR  I spoke with was very unprofessional and had no knowledge that the info they were providing was incorrect. On XX/XX/20, TD Bank charged the account off which the account still was not late due to the bill due date XX/XX/20, which from XX/XX/20, I have 30 days from the due to date to make payment before anything can be reported late to any credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
On XX/XX/2020, I had six unauthorized foreign transactions made using my Paypal MasterCard Debit Card. I filed disputes for all six transactions, as well as reported my card lost/stolen. On XX/XX/2020, I received emails from the Paypal dispute department stating that the disputes were denied and PayPal would remove the temporary credit refund of all the transactions because, in their words, " you stated that your card was lost or stolen in XX/XX/XXXX and [ these transactions ] occurred before that date ''. 

I reported my card stolen as soon as I discovered these transactions, and it was within the CFPB 's 48 hour limit to remove fraud liability. XX/XX/XXXX and XX/XX/XXXX are only a single day apart, after all. These are unauthorized transactions to foreign merchants that I have never heard of, and I should not be held liable for a single cent of the money that was stolen from my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-18 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: GA

Complaint narrative:
I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are XXXX XXXX, XXXX  XXXX  XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX  There is a bankruptcy showing on my credit. I called the Bankruptcy Court in the XXXX XXXX and they verified that I do not have bankruptcy in their system. Im confused how i have a bankruptcy when I have never filed for bankuptcy and thank XXXX I dont have a need to. I am doing this on my own behalf and really need someone to help me with this. Also there are several times where someone ran my credit and I didnt give anyone permission to run my credit. If you all can help me with this as well I appreciate it XXXX XXXXXXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX  XXXX, 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 2020-12-18 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: FL

Complaint narrative:
there are unauthorized inquiries accounts that are labeled charge off and accounts that are not mine

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 2020-12-18 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: MO

Complaint narrative:
On XX/XX/2020 I found out that my bluebird account had been accessed fraudulently, I contacted Bluebird to let them know there were unauthorized transactions on my accout. In total 19 transactions for {$800.00}. I let them know I was not in possession of the card as it had been taken with my wallet and phone. I also went to website and changed password so no further access to my account would be available. I was told that the claim was denied and no error occurred. If I am not in possession of the card and charges were made I have a hard time understanding the denial. I met all the guidelines of reporting within 24 hours to where I should lose no more than {$50.00}. The money added to my account was from my other bank account which whoever had my phone and cards could access both accounts. I have struggled to pay bills as the amount was equal to my rent. Please look into this.

Company response to consumer: Closed with explanation