vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-16 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: NM

Complaint narrative:
Currently, I have a XXXX credit score but even with a " good '' credit score I am getting deenied credit. I don't understand or agree with this. XXXX Total unpaid collection amount and XXXX Number of Unpaid Collections are Not Mine. Equifax is reporting a collection from XXXX XXXX in the amount of {$800.00} from XXXX XXXX. I spoke to XXXX XXXX, myself, and they have no record of me what so ever. This is a company based from Louisana for cable services. I live in New Mexico and have cable services in my name with XXXX. XXXX XXXX is not on my XXXX credit report. XXXX XXXX has been removed in the past but keeps getting put back on. This is harming my score and great record.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 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: National Collection Systems, Inc.
State: AZ

Complaint narrative:
I have reached out to XXXX multiple times as well as the company I extended credit " XXXX XXXX  XXXX XXXX I am also aware of my right to refuse any payment 16 Usc 1692c ( C ) and its also my right to have privacy which they have infringed upon it by giving access to a 3rd party debt collector with the attempt to collect a debt. I called them and spotted out multiple violations I also have a recording of the call in which the supervisor was very rude and not helpful at all as he kept interrupting me letting me know he doesn't care that I know my laws as I was stating the ones violated.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 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 — Was not notified of investigation status or results
Company: Regional Management Corporation
State: GA

Complaint narrative:
I am very upset with this issue. I sent a letter to the Creditors regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that they have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 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: NC

Complaint narrative:
XXXX And Equifax are reporting a fraudulent account on my credit report which makes my utilization very high. Below is the fraudulent account XXXX XXXX XXXX XXXX : {$50000.00} XXXX XXXX XXXX : {$50000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 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: NC

Complaint narrative:
XXXX And Equifax are reporting a fraudulent account on my credit report which makes my utilization very high. Below is the fraudulent account : XXXX XXXX XXXX : {$50000.00} XXXX XXXX XXXX : {$50000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: NM

Complaint narrative:
Almost impossible to access Discover Credit Card website since late XX/XX/2021 in order to monitor activity. I keep getting the message that it is down for technical reasons though occasionally I do get through. I try different browsers at different times. My son, a IT expert has helped me with this and he too could not find a way. I have sent messages to Discover to no avail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc

Complaint narrative:
Hi, on XXXX XXXX i received a payment on my PayPal account for an used item i wanted to sell. The transaction code is XXXX and my account is XXXX On XXXX XXXX PayPal permanently limited my account for " suspicious activity '' without even letting me explain the reason of that payment. 
PayPal told me that my funds were locked for 180 days and that i couldn't access them. 

Meanwhile the buyer started asking for the refund that i couldn't provide him due to the limitation that PayPal made on my account. 

The buyer, today, filed a police report against me for fraud. 
It's absurd that PayPal blocks the refunds getting people in trouble. 

I can't go to jail because PayPal doesn't let me refund the buyer. The money are still on my PayPal account balance, please use them to cancel the transaction and refund the buyer!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Mercedes Benz Financial Services
State: TX

Complaint narrative:
MBFS has failed to respond to me in reference to the Full satisfaction of claims contract they entered into on XX/XX/2021 Full Satisfaction of Claim. The terms of the contract are clear according to UCC 3-311 ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 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 — Investigation took more than 30 days
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 2021-12-16 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

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 2021-12-16 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 — Investigation took more than 30 days
Company: Experian Information Solutions 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 XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2021-12-16 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: CA

Complaint narrative:
Around XXXX XXXX, XXXX, a series of weird ( and old - dated back to XXXX ) data suddenly showed up on my TransUnion credit file. It includes a phone number I don't have, a collections account and inquiries I do not recognize. I suspect that TransUnion erroneously merged my credit file with someone else '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 2021-12-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am exercising my rights under the Fair Credit Reporting Act and seeking a debt validation. Additional documents are attached with additional requests.

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 2021-12-16 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
On XX/XX/2021 I mailed disputes to Equifax, XXXX, and XXXX. As of the filing of this Complaint I have not received a response. I understand that this situation is highly unlikely since the Agencies are all separate entities. There seems to be a much larger issue that violating the FCA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I've sent a letter of dispute to Experian and they did not reply within the allowed 30 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 2021-12-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I made my payment on time, THEIR system shows I did, MY bank where the money came out of shows I did YET they marked it as late on my credit report.. This has happened TWICE now and I have reported it and they blow it off blaming my bank, even know ( and im uploading this ) you can see THEIR own system says thats not true!!!

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 2021-12-16 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
On XX/XX/2021 I mailed disputes to XXXX, XXXX, and Transunion. As of the filing of this Complaint I have not received a response. I understand that this situation is highly unlikely since the Agencies are all separate entities. There seems to be a much larger issue that violating the FCA.

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 2021-12-16 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On XX/XX/2021 I mailed disputes to XXXX, Experian, and XXXX. As of the filing of this Complaint I have not received a response. I understand that this situation is highly unlikely since the Agencies are all separate entities. There seems to be a much larger issue that violating the FCA.

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 2021-12-16 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: CT

Complaint narrative:
I made my payment on time, THEIR system shows I did, MY bank where the money came out of shows I did YET they marked it as late on my credit report.. This has happened TWICE now and I have reported it and they blow it off blaming my bank, even know ( and XXXX uploading this ) you can see THEIR own system says thats not true!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 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: CT

Complaint narrative:
I made my payment on time, THEIR system shows I did, MY bank where the money came out of shows I did YET they marked it as late on my credit report.. This has happened TWICE now and I have reported it and they blow it off blaming my bank, even know ( and im uploading this ) you can see THEIR own system says thats not true!!!

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 2021-12-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Nexera Holding LLC
State: MI

Complaint narrative:
Starting on XX/XX/XXXX I received communications from XXXX XXXX ( NMLS XXXX ) along with a dozen other lenders based on an inquiry on lending tree. On XX/XX/XXXX I did more paperwork to pre-qualify. At this time I was still talking and working with at least 6 companies. We had discussed locking a rate understanding they change daily. On XX/XX/XXXX he sent me an email saying he locked my APR rate at 2.681 %. When the paperwork arrived it had an APR rate of 2.862 %. When I asked why I was told XXXX rate and the documents had another XXXX XXXX said he made a mistake and switched the numbers and I should have assumed the quote from 2 days earlier was the current quote even though they change daily. When I wrote back that I expected this quote to be honored he eventually emailed back they have a 2.5 % interest rate for me, that he will resubmit my application on my behalf. Three days went by, I had to keep emailing that I wanted the updated documents. Today I got another email that they dont actually have the 2.5 % rate he quoted me. So twice he has quoted me in writing in email then when I expect to see it in official writing he says actually no. Starting with the original 2.681 APR quote I stopped communicating with other brokers. Ive now spent 8 days of fluctuating rates waiting for Newfi to honor the quote and am now told actually no. This is highly unethical practice. I allowed Newfi to pull my credit and have missed all this time because I expected a mortgage company to honor its written quotes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
Hi, I utilized the pandemic forbearance plan offered by my lender, Mr. Cooper, to delay my monthly mortgage payment on my condominium in New York. I called Mr. Cooper to have the balance tacked on to the end of my mortgage as the forbearance plan was ending. They somehow have no record of this. I then asked them again to simply reinstate my monthly payment, and they have denied it and are trying to threaten me with foreclosure. I would like the CFPB to intervene and tell these frauds that they can not do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: CT

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Shellpoint Partners, LLC
State: NC

Complaint narrative:
While paying on a Mortgage note with Shell Point Mortgage Servicing owned by XXXX XXXX XXXX Co we fell behind in 2020 due to loss of work precipitated by Covid-19 on the World and as a result entered into a Forbearance agreement, on exiting the agreement we requested to be put into a deferral program but was denied and was only offered a loan modification consisting of higher interest rates and longer term or a repayment plan in lieu of pending and threatening foreclosure, we have been making the regular mtg payments plus some on time for over 10 yrs, we were never late, faced with this dilemma we chose the repayment plan, we were only behind approximately {$10000.00} with good equity and collateral, therefore no risk to Shell point , however we now have to come up with {$4900.00} and the remaining {$4900.00} split over 12 payments plus the regular mtg payment, mind you we are just exiting the forbearance plan due to financial difficulties, we have since been making the new agreed payments on time but to make matter worse Shell Point is reporting us late and delinquent causing further harm when we try to refinance or apply for any kind of loan to remedy the situation. 
We think this action taken by Shell point does extreme harm to its Customers, the Consumer who are already in a precarious and vulnerable situation and been taken advantage of by a Huge Corporation with unlimited options and resources at their disposal to ease the pain their Customer is going through so both will benefit amicable, instead they chose to make the Customers life as financially difficult as possible while their CEO is raking in Millions of Dollars at their Customers demise, expense while inflicting extreme financial hardship on the their Customer the Consumer. 
I hope this info shed some light on this Companys unethical business Practices towards their Customer the Consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
XXXX is not accurately reporting XXXX accounts that have been closed this month showing balances that have been paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 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: Alorica Inc.
State: TX

Complaint narrative:
XXXX is not accurately reporting 3 accounts that have been closed this month showing balances that have been paid in full.

Company response to consumer: Closed with explanation