vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-27 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: LA

Complaint narrative:
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report 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 2023-07-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Paypal Holdings, Inc
State: KY

Complaint narrative:
I have contacted PayPal and Paypal credit about the issue the Credit provider. is saying there is no issue but no one and the Paypal is claiming no issues

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: IN

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-07-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Real Time Group, Inc.
State: MN

Complaint narrative:
Prior to XX/XX/2023, I began the process of re enrollment, and on the date mentioned I was made aware by XXXX  XXXX XXXX that I had a collections holding up my re enrollment. I was provided the number for a Resolution company, who in turn referred me to Real Time Solutions for the collections. The amount owing on my account was over {$1000.00}. I advised I could not pay that amount as I was just finding out about the debt and I asked for verification, which was sent. 

I called my enrollment advisor ( XXXX ) at XXXX  XXXX XXXX. Who advised that if I made a payment arrangement, they would provide the information to the school and then I would be able to continue enrollment to begin XX/XX/2023. I then called Real Time Solutions back and they advised the information I received was correct and they would notify the school ( and myself ) that an agreement had been made on the account. Since there was urgency to start on XX/XX/2023, I moved things around to make a payment of {$200.00} on XX/XX/2023 and the remaining resolution amount of {$510.00} in XXXX, based on a settlement amount of {$710.00}. Payment was processed the following day. 

As of XX/XX/2023, I had not received a call from XXXX  XXXX XXXX nor a email from the collections company regarding the arrangement. I called the school on XX/XX/2023 and was advised by XXXX that they had not received the information from the collections agency yet. So, I called Real Time Resolution. I spoke to a representative that advise they would not send anything until the account was paid in full, which negates my necessity and reason for making that rushed payment in order to start classes on XX/XX/2023. I then called XXXX  XXXX XXXX back, and was told that was correct. This is the definition of deception, and should not be allowed as my payments were made by way of deception from both XXXX  XXXX XXXX and Real Time Resolution. Both the University  and the collection company should be ashamed of themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
on XX/XX/2023, Wells Fargo bank allowed an unauthorized charge of {$690.00} to be taken from my checking account. They have left me overdrawn by - {$350.00}. The charge was unauthorized and reported immediately. They have not issued a provisional credit and they are telling me to wait 10 business days for their investigation to complete. They should not have allowed this charge to go through as every other charge on my account now is going to face a fee and will be declined. They have declined smaller charges on my account for insufficient funds but yet they allowed an unauthorized charge when I did not have the funds. I was denied a request to speak with a supervisor in the fraud department to address this issue regarding why they allowed this charge to go through.

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 2023-07-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clearly stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.

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 2023-07-27 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: MD

Complaint narrative:
The following accounts/inquiries are fraud. They are in violation of USC 1681b. I never gave written consent to report anything on my consumer reports. No consent is fraud. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-07-27 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: MD

Complaint narrative:
The following accounts/inquiries are fraud. They are in violation of USC 1681b. I never gave written consent to report anything on my consumer reports. No consent is fraud. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-27 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: EGL US, LLC
State: LA

Complaint narrative:
On XX/XX/2023 I XXXX XXXX contacted BMG money about an account thats currently reporting charge office in XXXX of 2023 but the company received a payment from me which I agree and so does the rep that called me back, besides this i dealt with a ugly representative who were beyond unprofessional in his customer service career. well after letting them know how i was treated with the customer service representative of course they escalated my call and someone by the name of XXXX called me back, after speaking with him and repeating myself for the 3rd time he gets all my information and calls me back again, instantly i can here in XXXX voice how hes upset im not sure if its was pertaining to the calls he had to go listen to or maybe it was a friend of his that took my call, But XXXX stated you talking to me not them, I said so youre upset because you find the finding of how your representative spoke to me, he said no thats not the reason. I do hope XXXX and the other Gentleman i spoke to is not treating all customers this way if so i suggest something be done about it

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: IN

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-07-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Capital Group, Inc.
State: FL

Complaint narrative:
i found. This on my credit report i don't know what is it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 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: LA

Complaint narrative:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

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 2023-07-27 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: CA

Complaint narrative:
Despite my multiple attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue has yet to be resolved. The inclusion of these items has had a profound impact on my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2023-07-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Receivable Management Services LLC
State: TX

Complaint narrative:
The Receivable Management reported to all three bureaus back in XX/XX/XXXX, I reached to them and sent a debt validation letter and no response. They started calling again and told them the debt was paid and to remove their reporting. Beginning XX/XX/XXXX they start calling again, I sent another debt validation letter and waiting for a response. I have attached the letter to this email.

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 2023-07-27 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: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-07-27 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: TX

Complaint narrative:
I had a stellar credit report for 30 years but recently my open debt mounted. Suddenly XXXX XXXX and other credit cards cancelled credit card accounts that were in some cases 30 years old and were not delinquent. My complaint is that I paid off these debts as soon as I could and in complete within a month or two of these cards closure. Now they show as settled accounts. But settled accounts implies I paid less than what I owed or I used an agency to negotiate on my behalf. I actually have always paid my debts in full. I do not want any credit agency to reflect that I do not pay my debt and I want to correct the record. I am an upstanding citizen and my wife and I are XXXX. Please help correct my credit reports.

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 2023-07-27 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I had a stellar credit report for 30 years but recently my open debt mounted. Suddenly XXXX XXXX and other credit cards cancelled credit card accounts that were in some cases 30 years old and were not delinquent. My complaint is that I paid off these debts as soon as I could and in complete within a month or two of these cards closure. Now they show as settled accounts. But settled accounts implies I paid less than what I owed or I used an agency to negotiate on my behalf. I actually have always paid my debts in full. I do not want any credit agency to reflect that I do not pay my debt and I want to correct the record. I am an upstanding citizen and my wife and I are XXXX. Please help correct my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 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: FL

Complaint narrative:
Despite my multiple attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue has yet to be resolved. The inclusion of these items has had a profound impact on my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2023-07-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Southwest Recovery Services, Inc.
State: TX

Complaint narrative:
I get emails every two weeks asking me to pay for a debt for a Power Company in Texas. I've never heard of the company or lived in Texas. I have asked 3 times to be removed, per their process and they have no complied.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Block, Inc.
State: PA

Complaint narrative:
I stay at best western hotel on the XXXX funds were held but on the XXXX the were released by the hotel. I have spoken to them twice now with confirmation that funds have been released for awhile now and should have been made available to me already. I had to best western because initially cash app was claiming funds werent released on there end and I came to find out that wasnt the truth. I spoke to cash app and theyre still refusing to release my funds and saying they have 14 days which is unheard of. I was told no more than 5 business days. They have all the information they need in front of them and have had it for over a week and are still refusing to release funds. If they need to contact the merchant they can. I am not at the hotel anymore. And I need my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MO

Complaint narrative:
Carrington mortgage is forcing me to use fee-based ways to send them my monthly mortgage payment. They are refusing to accept my payment by check. If I send them a check they send it back to me uncashed saying I must pay only by using certified funds. They have blocked me from paying online and their representatives refuse to allow me to pay over the phone. I have been told by one representative you are on punishment for 6 months or until we feel that we can trust you again. The punishment they refer to is forcing me to pay fees through XXXX XXXX or XXXX XXXX to pay my mortgage. 

The amounts I have to pay are different depending on where I look. When calling on the phone it has been XXXX, on the XXXX XXXXXXXX, on the mailed statement XXXX, when speaking to a representative XXXX ; the actual contractual payment is XXXX. I have had to stop a payment in the recent past because of finding out they had added fees and I would be short by paying the contractual amount thereby putting payments in suspense mode refusing to apply it to the mortgage and saying I am late paying my mortgage. On my last statement for the XX/XX/XXXX payment they added NSF fees ( 3 ) as well as a late fee from XX/XX/2023. 

They also send advance notice of late fee letters before any payment is due. On there they tell you you can pay by phone, check thru mail or on their website but then block you from being able to do that. 

There is document evidence of all of this attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 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: AZ

Complaint narrative:
I DONT HAVE PUBLIC RECORDS ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME XXXX AND I WON'T ALOW IT.

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 2023-07-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ROBINHOOD MARKETS INC.
State: MN

Complaint narrative:
Robinhood stole my money. I applied for withdrawal and they refuse to give me my money. I have chatted and talked to many of their customer service reps from XX/XX/XXXX through XX/XX/XXXX. They refuse to give me my money... spent hundreds of hours ... even had XXXX apply for a transfer... they denied it ... this is BAD!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aspen National Financial, Inc.
State: TX

Complaint narrative:
I noticed a collections on my credit report in XXXX from XXXX XXXX XXXX that had been on my report for a while. I thought it was a medical collections so I attempted to call the agency. The gentleman I spoke with stated it was for a timeshare I purchased in XXXX or XXXX. I explained to him that I had not purchased a timeshare it was my husbands and I am just an added account holder. I even explained to him that we were not married until XXXX when he told me my signature was on some paperwork he had. He said we both are on the paperwork. I told him if this was true why isnt the debt also showing on my husbands report and only on mine. I explained that this debt is not in any other credit reporting agencies and it did not belong to me. I also called our timeshare who stated that my husband has maintenance fee that are past due but no account is closed. I tried to inform the collation agency that there was no account closed so nothing should be in collections. Since then they have increased the debt monthly and what was around XXXX for about 3 years with no movement have increased to XXXX. The gentleman did threaten to start increasing the debt when i called and said it will never stop increasing although i explained to him it was not my debt.

Company response to consumer: Closed with non-monetary relief