vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX I am a business owner who recently pulled their credit report to see several errors and in uncorrected account information. My correct name is XXXX XXXX XXXX please remove any mispellings of my name asap.The following addresses are not mine. Please delete ERROR : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX PLEASE DELETE THESE UNKNOWN CELLPHONE NUMBERS THAT DO NOT BELONG TO ME : ( 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 2021-05-02 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- AUTO LOANS OR LEASES 1. XXXX XXXX FINANCE with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Capital Management Services, LP
State: OR

Complaint narrative:
Starting 6-12 months ago I began to receive up to 3-4 calls from this company per day. I have had very poor health and have been in and out of the hospital. The calls are now daily, and often at XXXX XXXX, waking up during the night and causing me to either miss or perform poorly at work. It is extremely devastating and has been a very hard toll on my quality of life. Often agents are incredibly short with me and hesitant to reveal any information regarding my debt. 

It is so bad that my voicemail completely fills up within a week or two, and important messages from my doctors are not able to be recorded to my voicemail. This is extremely bad for my health, as I have been and currently still am awaiting information regarding some very acute and life threatening medical conditions. 

I have asked them to reach out via email instead of leaving me upwards of 3 voicemails PER DAY, but it has not helped. Unfortunately I am not able to identify which numbers belong to them. The voicemails range from XXXX XXXX to XXXX XXXX, but I am sure there are many other calls that have not gone to voicemail that I am unable to identify. 



I would also like to note there is a very strong possibility this debt was incurred whilst I was a minor, which my legal consult has urged me to mention. I am not sure how the proceedings for such a situation normally go, but I believe it is important should they actually give me pertinent debt details such as amount and origin.

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 2021-05-02 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: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
Had a credit card with my daughter- i was a co-signer. She maxed out card and i told her to take me off her account since my credit scores kept going down. This was XX/XX/2020. We called 6x since XX/XX/2020 and the account is still showing a huge balance and its still open in my name. I have called and she has called and nothing gets done. My credit score keeps going down and down. Talk to 2 supervisors out of the 6x i called and they still Didnt help. Actually both of them had attitudes. They didnt want to help Or cared. The account has been closed since XXXX and its still showing on my daughters credit report and mine. I called again on Friday and they told me it takes 4 months??? What??? Ive never heard such a thing. By the way its been 6 months!! Help!! Already contacted the bbb too. Still nothing has been done. HELP!!

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 2021-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
Midland is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSWORLD SYSTEMS INC
State: DE

Complaint narrative:
In 2016, the night before I XXXX from college, the right side of my XXXX became very swollen. My family had concerns that I might be having a XXXX so I was rushed to the XXXX. Turns I had an XXXX XXXX XXXX  in my XXXX. I was prescribed medicine to resolve the XXXX and in a couple days all swelling was gone. 

2 years later, when checking my credit score on XXXX, I noticed a late payment in collections. I further investigated and turns out this mark on my credit was from the XXXX. Subsequently, within days of my discovery I was then contacted by a collection agency advising me I had a late bill due. I immediately paid the bill in full. I would have paid the bill if notified but I received no notification of a bill from the XXXX and I wouldnt have, unless I checked my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 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:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

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 2021-05-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: KLS Financial Services, Inc
State: DC

Complaint narrative:
The debt in question is from my employment with XXXX University XXXX in XXXX. After my resignation six months later I received a call from KLS Financial Services stated I owed a debt to which I replied I was not aware of any debt and refused to continue conversation. 

Over the next 16 months I found that the amount had been added to my credit file for {$5700.00} for an overpayment in wages. Upon learning this I contacted KLS and XXXX to have the matter removed citing 15 U.S.C. 1692 of the Fair Debt Collection Practices Act. 

I received notification of the disputed item debt from XXXX dated XXXX XXXX, XXXX which was nothing more than a Summary of Earnings Adjustment whereby payroll shows an overpayment for {$3200.00} which XXXX University claims was for 12 days paid to me after I resigned. I spoke to Ms. XXXX and demanded that they remove this as per law any employer based issue over wages first needed to be placed for judgement and as there was not a judgement issued against me the employer had no recourse to pursue me for collection and illegally place into my credit file. 

On XX/XX/XXXX I received a letter from XXXX stating they had removed the debt from my collection file. It was at this point I felt the matter had been resolved and that I could move forward with repairing the damage done. 

I now see that the debt is still found as a collection on all three of my credit files. At this point I refuse to reach out to XXXX because I am told each instance can reset the debt and keep it on my credit. My larger concern is how the credit bureaus did not follow protocols to ask if there was a sufficient judgments in the matter. This would end the pursuit and validate my concerns that it is a bullying attempt by XXXX university to circumnavigate the FCRA rules. 

Please aid me with removing this from my file as I feel the only recourse i may have to take is to sue all parties including the credit bureaus for their lack of responsibility to enforce and maintain laws aimed to protect the consumer.

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 2021-05-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
In XX/XX/2020 PayPal Limited My Account and They Can not Tell Me Why PayPal has probably the strictest rules when it comes to using their service. I have been using PayPal for about a decade and always had just one account until recently. PayPal limited my account a few days ago and it gave me way too many headaches. According to any reasonable human being, the PayPal limitation that was applied to my account was unfair and unjustified. They notified me over email that my account was limited due to suspicious activity. That can mean anything so the first thing I did was to check my account, look at the transaction history and logins but I could not find anything unusual. There was no indication that I did anything against PayPal To that would flag my account. As far as I could tell, my account was in good standing. After hours of looking into my account, checking their terms of service and looking through forums as to why PayPal would limit my account, I decided to give them a call. The person that answered had difficulties expressing himself in English but after more than 30 minutes of going back and forth, I decided to give up. According to the support representative, the reason I was suspended was specified in the email I received. Short recap, the email stated that I was limited due to suspicious activity which can mean anything or nothing. In my opinion, it is a mistake and PayPal does not admit that my account was limited unfairly. Their support staff barely provides any support. I found out that you can not even appeal the limitation. Finally I decided to wait the 180 days for get my money but in this circumstances PayPal still keep my money for more than 270 days. 

my account doesn't have any dispute or chargeback after XXXX why they don't want gave me my money. i hope PayPal don't act like scammer company. 

my email is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02 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: CA

Complaint narrative:
On XX/XX/2021, I have sent my first letter regarding invalid and unapproved things on my credit report. As of today, I have tried calling, sending a second letter on XX/XX/XXXX, as well as disputing items on Experian 's and XXXX XXXX websites. It has been over 60 days since submitting my first letter to Experian and XXXX  and I have not received a response to my request to remove all invalid and unapproved items that are causing me stress, anxiety, and worry. I feel that Experian has violated my rights according to 15 U.S.C. 1692g, U.S.C 1691e ( b ), 15 U.S.C. 1681. I would like Experian and XXXX to look into these items that are incorrectly showing on my created report as soon as possible. I am asking that these items be removed from my credit report as I will be seeking litigation to protect my rights. I would also like an updated copy of my credit report with the removed items to be mailed to my home address.

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 2021-05-03 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: NC

Complaint narrative:
XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NC

Complaint narrative:
On XX/XX/XXXX I sent 2 checks to select portfolio 1 ) XXXX check to principle 2 ) check also for XXXX for XXXX monthly payment. Company did not apply XXXX to principal as directed and is skewing interest vs remaining principal!! I have called several times to correct!! So payoff balance is XXXX higher then it should

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 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:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

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 2021-05-03 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: SC

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received my investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 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: TX

Complaint narrative:
A letter was sent XX/XX/2021 disputing two collection agency collecting on the same account reporting open with a balance which is XXXX XXXX. 
Today date is XXXX,46 days late and I still aint heard nothing from them which is a violation FCA , section 611 ( a ) ( 5 ).

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 2021-05-03 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX Credit Cards XX/XX/XXXX Experian XXXX XXXX Auto Dealers, Used XX/XX/XXXX Experian XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX Experian XXXX XXXX XXXX Auto Financing XX/XX/XXXX Experian XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX Experian XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX Experian Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting 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 non-monetary relief
Consumer complaint received 2021-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
Wells fargo has allowed XXXX XXXX to harass me and my son along with XXXX XXXX. They would give good car loan deals with their friends. But she doesn't want me to have anything. This is the type of employees they have working for them. XXXX has stalked me had her renters follow me around and stalk me I don't know if they are employees at wells fargo. But I do have dash cams in my car along with house cams that record everything on my property and my door bell camera to show the police when I leave they leave. XXXX XXXX keeps falsely accusing me of harassing her, while I was at the back around XX/XX/2015. I didn't run into her the whole week I was at the XXXX XXXX branch in XXXX XXXX. But I know now this was all a set up for them to have me arrested at the bank because how come I never saw her at the bank the 1st day. This was why my online account was compromised because I was being set up by wells fargo and XXXX XXXX to get rid of me as a customer. This was down right criminal what XXXX XXXX, and the other employees who ever was involved with her to do this against me. This was a low down dirty thing to do someone. Wells fargo chose to go along with her that makes them just as responsible for my pain and suffering. I just couldn't believe this was happening to me a neighbor who is a manager at a bank, using their position to get the police against me. I wasn't treated fairly. I don't feel my life should be ruined. Wells fargo should be aware what type of employees they have working for them and what they are doing to their customers. Wells fargo feels the same way they didn't want me as their customer anymore. But it wasn't until XXXX XXXX falsely accused me of harassing her while I was at the bank. They refused to settle for the pain and suffering and mental anguish XXXX XXXX has caused me and my son. Then for her to have her renters follow me harassing me is a new low for XXXX XXXX. I feel betrayed by wells fargo for what they did to me. I never wanted to have a checking account with them in the first place. But I was forced by one of their employees at the XXXX wells fargo in XXXX XXXX al. XXXX XXXX who then made fun of my sons facial features. XXXX XXXX wasn't fair to me at all he didn't investigate XXXX XXXX accusations against me he rushed to to judgement and refused to listen to my side of the story like wells fargo didn't. I never harassed 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 2021-05-03 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: AES/PHEAA
State: NC

Complaint narrative:
I have reviewed a copy of my credit report and I show company FEDLOAN account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: SC

Complaint narrative:
Because of covid 19 and the Cares Act, federal student loan payments were suspended until XX/XX/XXXX. Nelnet is not suspending my student loan payments because they refuse to recognize my loan as a federal student loan. My federal student loan originated from the XXXX XXXX XXXX XXXX XXXX in XXXX. 
Nelnet bought my loan from the XXXX XXXX XXXX XXXX in XXXX. I have been making payments to Nelnet since they bought my loan. I am currently still making the monthly payments even though my student loan qualifies for no payment under the Cares Act. 
Nelnet needs to stop inaccurately labeling my federal student loan as private. I never had any private student loans when I attended XXXX. I had XXXX student loans which were and still are federal student loans.

Company response to consumer: Closed with explanation