vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-16 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
The creditors and credit bureaus are getting away with XXXX  people. The problem is and has always been with the reporting they do. During the 2020 pandemic the creditors and bureaus should have had a freeze on how they report. Take my situation for instance. Creditors started closing credit cards that were in good standing and causing my score to drop. This should not be the case if my cards are in good standing. If they are going to close a card that is paid off or in good standing for none use it should not affect my credit scores. Someone has to put a stop to this madness. How can the government make them change their policies that are hurting hard working American 's? In short, if an account is closed due to not paying etc. this should affect the individual, but if a person pays their bills and the account is good then a company 's option to close the account should not affect the individual. This double edge sword has to be stopped. Protect the little credit people are holding on too. I am so stressed because I'm doing my part and paying my bills and still my score is getting hammered. I will be the working homeless because no mortgage company will ever give me a loan with a pitiful score. Thank you for reading my struggling pain.

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 2021-06-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: GA

Complaint narrative:
On XX/XX/2021, I.C. System, INC reported 4 invalidated accounts to all 3 consumer reporting agencies which constitute fraud under both Federal and State laws pursuant to 15 U.S. Code 1692g ( b ). I.C. System has not provided me with competent evidence that I have any legal obligation to pay. 

Due to this fact, and in accordance with 15 U.S. Code 1681n ( b ), I.C. System, INC is civilly liable, and I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character

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 2021-06-16 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: CA

Complaint narrative:
On or about XX/XX/21, paypal send me an email to hold my money hostage for 3 months citing a breach in term of service. They said my account is associated with someone who used their service to gamble or something. I have never done such activities. After a complaint, they said that an associated phone number and physical address matched that person. Last i checked, phone numbers and addresses are not fixed identifier of a person. I have been a customer for almost 20 years. My name and social security number are fixed identifiers. If i need to, i can submit my drivers license, military ID, social security card, ect to release my money from being taken hostage. I can not allow the actions of another who misused a phone number and my address to affect me. Last i check, paypal does not verify addresses, this person could have falsely used my address. 
I own this address and these phone numbers. My name and ssn are fixed unique identifiets. Anyone who used my address or phone number without verification in the past or future is doing so without my consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: LA

Complaint narrative:
On XX/XX/2021, fraudulent activity appeared in my PayPal account. The name was changed to XXXX XXXX, the address was changed to California, and the language was changed to XXXX. Once I got the language changed I called Paypal to report the fraud. I gave all the information for PayPal to clearly identity when the fraud took place and after over an hour I was told they would take care of it and not to worry. Nearly 3 months later my account shows a negative balance over {$4000.00} and Paypal has sent me to collections and will not help resolve the issue. I have called dozens of times and each case opened, Paypal closes without action. I believe someone has found a security vulnerability and was able to push transactions from behind Paypal security firewalls. I am looking to take legal action against the company as they were immediately informed of fraud and took a knowing stand to allow fraud to occur instead of taking action to stop it. I contacted paypal dozens of times and they encouraged me to take legal action, even providing the address to send a subpoena.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-16 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
The following account does not belong to me. I have reached out to XXXX, XXXX, and Experian several time via mail in reference to this matter. 

XXXX  XXXX XXXX  acct # XXXX amount- {$420.00} XXXX  XXXX Acct # XXXX amount- {$770.00} XXXX XXXX  XXXX Acct # XXXX amount- {$250.00}

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 2021-06-16 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: PA

Complaint narrative:
I am requesting removal of the items in which the bureau has failed to verify

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 2021-06-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
The credit agencies are not willing to correct information that XXXX XXXX has put on my credit report. They put my account closed as of XX/XX/XXXX and it was in good standing and did not get closed until XX/XX/XXXX after I contracted COVID and was in the hospital. XXXX XXXX  will not remove the incorrect information nor will Tranunion. I am trying to purchase a home and these late payments are hurting me. The late payments should have not been posted due to being affected by pandemic.

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 2021-06-16 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: PA

Complaint narrative:
I am requesting removal of the items in which the bureau has failed to verify

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 2021-06-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Adjustment Service, Inc.
State: RI

Complaint narrative:
Told them they have the wrong number but still call multiple times per day

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MA

Complaint narrative:
To whom it may concern : I have reached out to my lender for help and they continue misplace my documents. This is my third time submitting the same documents over to them and I don't know what is going on with their intake processing team. I am looking for help and not another excuse from that they never received it when documents are being submitted to the correct email address they provided ; XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Hello, I Have been a cardholder with Macy 's since XXXX and have always maintained a great relationship with them. I recently was informed that my account was shutdown XX/XX/XXXX for no apparent reason. I called to ask about my account status they told me I had XXXX balance and it was closed. Shortly after the phone call they sent me an email stating the closed account. This has affected my credit history and put me in a position where I can't get a house due to lack of history. They never gave me a notice what so ever.

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 2021-06-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Hallstrom Law Firm PLLC
State: AZ

Complaint narrative:
Back in XXXX, i was in the market for XXXX in XXXX XXXX CA and opened an acct XXXX but do to relocation to AZ I decided againat the service. The now closed Dental place received a check and insured me it would take 30-60days to return the monies to XXXX. 
In XX/XX/XXXX, XXXX rep. called me about setting up payment i explained the fraudulent situation and was told I still had to make payments on credit trade line until the check was received even though I never went through with the service offered so i did. I attempted repeatedly to reach out to XXXX XXXX about the check being returned as promised to XXXX and was informed they longer did business with XXXX and all further communications had to go through them but the check was sent back in XX/XX/XXXX. The XXXX rep. never confirmed the receipt and I had no discourse to rectify the fraud and stolen money. 
Fast fwd XXXX sold the acct to Debt collector Hallstrom Law Firm PLLC and I again explained it was fraudulent by false inducement of an unknown third party via email to XXXX XXXX XXXX himself who made me feel like there wasn't any alternative other than to pay the debt owed according to settlement agreement and threatened lawsuit if I didn't. In compliance and fear I've been making payments and they still reported negative non payment on my acct. I hired the XXXX XXXX XXXX to open investigation into the acct. and fix my credit. As a result, a dated letter of XX/XX/XXXX, from XXXX XXXX XXXX sent me stating that Identity Theft was confirmed and that related acct to XXXX would be removed from credit report in 30 to 60 days so I reached out to XXXX XXXX via email XX/XX/XXXX and scanned him the letter asking for complete release and closure of the matter including monies paid and he told me the letter does not prove anything and he does not see any reason to close this acct even though its fraudulent. 
Moreover, I reported the fraud to XXXX as it relates to the Hallstrom Law Firm and XXXX XXXX. This is not fair practice and I feel like I've been bullied with no recourse for something that's not my fault nor debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
The credit agencies are not willing to correct information that XXXX XXXX has put on my credit report. They put my account closed as of XX/XX/XXXX and it was in good standing and did not get closed until XX/XX/XXXX after I contracted COVID and was in the hospital. XXXX XXXX  will not remove the incorrect information nor will XXXX I am trying to purchase a home and these late payments are hurting me. The late payments should have not been posted due to being affected by pandemic.

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 2021-06-16 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Rented house via XXXX using Citi card. House presented numerous health and safety concerns ( DEFECTIVE SERVICE ), including descriptions that were fraudulent misrepresentations in listing ( e.g. non-smoking ). XXXX instructed us to leave the house, which we did at earliest opportunity. XXXX made multiple representations of refund and other support. Phone records and other documentation are available confirming these representations. But XXXX did not issue a full refund. Citi charge card refuses to reverse charge for this defective service/fraudulent misrepresentation, despite extensive evidence presented including phone recording and internal notes provided by 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 2021-06-16 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: VA

Complaint narrative:
On XX/XX/XXXX I consolidate my private student loans from XXXX XXXX and XXXX using XXXX. For XXXX XXXX, this was especially important because they were in the process of selling my student loan to Firstmark Services. I have a confirmation from XXXX that both transactions were settled, nothing erroneous occurred and from my point of view, I had a new service provider to pay off my student debt. 

I was able to get the 10-day payoff information handled and the check was sent to XXXX XXXX on XX/XX/XXXX. XXXX XXXX then sent the check to Firstmark Services on XX/XX/XXXX ( according to the phone call I had with Firstmark on XX/XX/XXXX after I received a bill in the mail ). Of course, this to be in error, and on my first call with Firstmark they told me the entire balance was paid off and the representative I spoke to assured me their supervisor was updating the balance to {$0.00}. This call was on XX/XX/XXXX where I spoke with XXXX who assured me her supervisor was updating the balance to {$0.00}, so the fact that I am paying interest for this is beyond me. 

I received another bill for {$54.00} on XX/XX/XXXX, up very slightly from {$54.00} on XX/XX/XXXX, so I called Firstmark because I assumed it was an error. The representative informed me this amount I am being asked to pay is the interest associated with my account because there was 10 days between when they received the payoff check from XXXX XXXX and when they ( I guess ) started to accrue interest on my loan. For all I am aware, and was aware, nothing should have even been sent to Firstmark past XX/XX/XXXX when XXXX sent the check to the first institution. I called XXXX XXXX and they have claimed no association with this new bill, I called Firstmark and they are saying it is because of the delay involved with XXXX XXXX. 

I know I am not the first student to feel completely defeated in trying to overcome student debt, and I understand this amount is not large compared to what I have dealt with in the past. However, the fact that XXXX XXXX is able to sell my loan to another provider that doesn't honor the pay-off date feels corrupt. I should not have to pay Firstmark for " hosting '' this student loan balance for 10 days, at a rate of {$5.00} per day, when the check to completely pay off the loan had already been attributed on every other end of the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 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: FL

Complaint narrative:
I sent Transunion a letter to remove a fraudulent inquiry XX/XX/2021 likely due to the XXXX XXXX data breach and Transunion. I sent them the FTC report as well and they refuse the remove the inquiries. They are clearly reporting false information to creditors which is a violation of FCRA and also damaging my credit.

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 2021-06-16 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: AL

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 response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 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: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I have made several attempts to get verification or an explanation on how a credit inquiry was put on my credit report with no success. I have no knowledge whatsoever of the credit inquiry and where it may have come from. The company refuses to provide documentation bearing my signature as required by law.

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 2021-06-16 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: IL

Complaint narrative:
THIS IS THE THIRD TIME I HAVE REQUESTED THE REMOVAL OF ALL INQURIES THAT DO NOT HAVE MY SIGNATURE AS STATE IN THE FCRA LAW??????????????

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 2021-06-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Recovery Services, Inc.
State: CT

Complaint narrative:
I received a notice from Southwest Recovery Services of XXXX XXXX XXXX, XXXX TX XXXX stating I owed a debt of about {$8000.00}. I was not familiar with this debt and called them and kindly requested them to mail me proof of the debt for my review. 

I called them on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Today I spoke with XXXX XXXX who stated they dont mail these documents and he declined to mail me proof of the debt. This has been very stressful. 

In the interim, they have placed a debt on my credit report which has adversely impacted my credit score. 

I would just like to get a copy of this debt to see what debt it is theyre seeking.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 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: FL

Complaint narrative:
I sent Equifax a letter to remove a fraudulent inquiry XX/XX/2021 likely due to the XXXX XXXX data breach and Equifax. I sent them the FTC report as well and they refuse the remove the inquiries. They are clearly reporting false information to creditors which is a violation of FCRA and also damaging my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 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:
THIS IS THE THIRD TIME I HAVE TRIED THE EXPLAIN THEY DO NOTHAVE ANY SIGNATURES FOR THIS PEOPLE INQURIES PLESE REMOVE 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 2021-06-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
Apparently someone used my SSN and name to gain a loan. This loan was provided without my authorization as I required whenever my credit credit is checked. A collection agency Convergent is trying to collect payment on this debt that is not mine. I contacted them and the company who provided the loan and also provided a police report to the collection agency. I received a second letter saying the debt is valid and and verification of the debt with a copy of an agreement. The names on that XXXX LA agreement are not mine. Agreement is attached. XXXX Louisiana is associated with XXXX XXXX  for the loan. I again called Convergent who seem to think this is still my debt. I called XXXX XXXX and spoke to a supervisor who said she was sending it to the highest level for them to contact me. They have not done so. My concern is that this will affect my credit score. Furthermore I am taken aback by the fact that my name and SSN is enough for this lender to decide to provide a loan without my required authorization and then attempt to hold me accountable. The bank should be held accountable for my inconveniences caused by their poor loan practices.

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