vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-12 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12 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: SC

Complaint narrative:
XXXX XXXX IS SHOWING ME LATE FOR A TRUCK THAT I PAID OFF AND HAVE TITLE TO THE TRUCK. THEY SENT LETTER ME SAYING THEY WOULD NOT SHOW DELINQUENT HOWEVER THEY REPORTED DELINQUENT TO CREDIT AGENCIES BY MISTAKE. XXXX XXXX HAS NOT HELP TO CORRECT THIS PROBLEM THEY MADE. IT HAS IMOACT OM MY CREDIT SCORE. 
CAN YOU PLEASE HELP ME HAVE THEM CORRECT THIS AS I HAVE NEVER BEEN DELINQUENT. THANKS SINCERELY XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12 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: SC

Complaint narrative:
XXXX XXXX IS SHOWING ME LATE FOR A TRUCK THAT I PAID OFF AND HAVE TITLE TO THE TRUCK. THEY SENT LETTER ME SAYING THEY WOULD NOT SHOW DELINQUENT HOWEVER THEY REPORTED DELINQUENT TO CREDIT AGENCIES BY MISTAKE. XXXX XXXX HAS NOT HELP TO CORRECT THIS PROBLEM THEY MADE. IT HAS IMOACT OM MY CREDIT SCORE. 
CAN YOU PLEASE HELP ME HAVE THEM CORRECT THIS AS I HAVE NEVER BEEN DELINQUENT. THANKS SINCERELY 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 2020-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ProCollect, Inc.
State: MI

Complaint narrative:
XX/XX/2017 amount is {$3800.00}, debt was added have attempted to fix this with collection agents but will not listen and fail to prove debt is mine. This was my fathers apartment and he since filed bankruptcy and they are trying to say i owe this debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc

Complaint narrative:
Dear Officer at Consumer Financial Protection Bureau, My name is XXXX and I am Filing this complaint from XXXX, XXXX. 
Paypal has put a hold on my funds/account on XX/XX/2020, the total amount is XXXX {$XXXX}. I have requested Paypal a review/appeal of my case which was rejected by them. They have not given me a reason as to why they have frozen my account. The money in my Paypal account was generated from selling items on XXXX, all of my buyers have received their items and I have not had any complaints from them. I feel that holding my funds for 180 days for no reason is an abuse of power by Paypal. I lost my job 3 weeks ago because of corona virus and Paypal not letting me access my own money is putting me in a tough situation. I kindly ask the Consumer Financial Protection Bureau to look into this issue and help me resolve it. Thank you. 

XXXX XXXX XXXX : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Paypal case number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I believe someone has been using my identity. I have had money stolen from my bank accounts, etc. I believe this website that had email me is an impostor website. ( https : //usa.experian.com ) It has all of my info. But other than this, I have had many problems with my identity. Just recently Ive had hundreds stolen out of my XXXX XXXX XXXX account.

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 2020-04-12 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I'm disputing Equifax for not correcting mistakes and not correcting Fraud mistakes on my credit report incorrect debt on all of my credit cards. And all of my Equiax hard inquiries are fraud from XXXX  XXXX XXXX too XX/XX/XXXX I have been disputing over and over and over again with Equifax and never get anywhere and no results taking care of. XXXX  XXXX XX/XX/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, are all Fraud made by XXXX XXXX XXXX XXXX XXXX XXXX XXXX , LA . XXXX. XXXX. Done by a car-salesman named XXXX, XXXX. XXXX XX/XX/XXXX. XXXX  XXXX XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. Are all Fraud made by XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX LA, XXXX. XXXX. Iv'e told Equifax over and over and Iv'e disputed over and over again with Equifax and they have not fixed the matter.! They have my age of credit history wrong.! They have my Credit card use wrong.! I'm talking with the Attorney General Office in XXXX XXXX LA because I can't get the help and results that I'm looking for..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: CT

Complaint narrative:
I have talked to XXXX and XXXX, I submitted Forbearance paperwork all could be done over the phone and yet this company insistss on inundating you with mail, emails but never a solution over the phone for some reason like every other federal student loan. 

Then they blatantly XXXX  on my credit report claiming can not find me? When they just spoke with me numerous times on the phone and yet as a citizen of the United States XXXX and all credit companies can put what they want on your credit report and you have no recourse whatsoever. 

You are basically at the mercy, and held XXXX  by Credit Bureaus. 

well I'm sorry but that is going to change. 

Once the president of the United States gets wind of what a AES is doing, and the credit bureaus, they'll have to answer to him! 

I will make him very aware of what AES has been doing and how many times they have called me and how many times I have requested the same thing over and over again with XXXX  income for the past 3 years while I was a XXXX to my husband who is a XXXX XXXX recipient an XXXX  recipient. 

What's worse, is the credit bureaus just take the word of these companies in ruin people 's lives well guess what we've got president that actually is going to do something for the little guy so I have a really good feeling about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
With the impact of not being able to report for work as a result of COVID-19, I sought a forbearance plan with my lender. They agreed to a waiver of mortgage payments for up to 90 days but, in a letter to me, it states that they will report me to the credit reporting agencies as being " delinquent ''. Is that legal since I have a government backed loan ( VA )? It seems to me that this practice of giving me forbearance forces me to struggle to make payments when I'm forced to stay home or, accept the plan offered but risk lowering my XXXX score! What the XXXX kind of choice is that?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12 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:
XXXX, XXXX AND EXPERIAN HAVE INFORMATION ON MY CREDIT FILE THATS IS NOT MINE/INACCURATE

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 2020-04-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: TN

Complaint narrative:
Freedom Mortgage is unable to process or refuses to process ACH Payments from XXXX. I can not get in touch with them over the phone ( their number is always busy ). They do not respond to secure messaging on their site. I have sent them 10 messages over the last month, many stating that I could not get through to their phone number. Their response ( after 10 days! ) was for me to " Call them ''. I get half a dozen mailed letters a week stating that my payment was canceled because I " stopped the payment '' or that I am in default. I did not, and my bank has no record of such an action. I can't even get a hold of them to try and figure out why they cant process the payment on their end.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Phoenix Financial Services LLC
State: VA

Complaint narrative:
I reported this organization in a previous notice to you earlier this year, as a sub-collector on another bill. This one in particular is the same type of situation, in that I never received an original bill, nor any follow-up past due notices, around the time of service. Evidently, the organization ( XXXX XXXX XXXX ) sold accounts to XXXX XXXX who is attempting to collect through Phoenix Financial. As in the other cases, I do not believe I should be responsible for this charge, due to what I've already said and the fact that it's been almost three years now. Another point is that they're using my street address when I actually have a PO Box that is my official address. All other legitimate creditors and organizations, such as the IRS, my bank, DMV use the POBox. I would appreciate this being written off and closed from my credit report as I paid my portion of bills that came from other providers around the time services were rendered. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
This is in relationship to the recent claim XXXX. I forgot to attach pertinent files showing that Bank of America recently reported that I had two additional missed payments in XX/XX/XXXX and XX/XX/XXXX in-spite of the fact that I paid on time accordingly and I am on a hardship program with no late fees nor deadline restrictions for monthly payments as long as it is paid within the 30 day mark. I have also noticed that they have aggressively targeted me as a point of retaliation and have gone ahead an illicitly closed my account. The number of delinquencies need to be investigated and expunged from my credit report. Thus, the comment below from their XX/XX/XXXX is false. 

" We have determined with our research that there has been no error in the reporting or handling of your account. The account became past due as reflected on the enclosed monthly billing statements ; therefore, the delinquency that is reported on your credit file for XX/XX/XXXX and XX/XX/XXXX is valid. Additionally, we have confirmed the account has not been reported 60 days past due as of the date of this letter. Bank of America doesn't manage your Fair Isaac Corporation ( FICO ) score and you would need to contact the national credit reporting agencies for information regarding your score. '' Why would the bank take up so much time to report to this particular issue? Whereas, if a client misses a payment and pays within 30 days or before 60 days, their account is reported as delinquent and their credit worthiness is ruined for 7 years. They refused to honor my goodwill letter last year and have gone ahead and further damaged my credit leaving me without the ability to borrow or finding suitable employment. Now I have to remain abroad for seven years to find work. This is an unfair mistreatment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: DE

Complaint narrative:
In XX/XX/XXXX I reviewed my credit reports and noticed there was a collection account from Transworld Systems reporting a past due balance of {$270.00}. The original creditor was  XXXX XXXX Hospital. I called the hospital and asked if there were any unpaid bills under my name and social security number, and I was told there were none. So I sent a letter to Transworld and asked them to provide me with some kind of proof that I owed the debt that they are reporting to my credit reports. After receiving no response from them, in XXXX, I disputed the accounts with all three credit bureaus ( XXXX, XXXX, and XXXX  ). I was  informed by the credit bureaus that Transworld had validated that the accounts were reporting accurately, and that I did owe a past due amount of {$270.00}. I sent another letter to Transworld in  XX/XX/XXXX, asking that they please provide me with a copy of the statement or the bill, to show where this past due balance was coming from. Again, I received no response from the company at all. I disputed the accounts with the credit bureaus for a second time in XX/XX/XXXX, and again, Transworld has certified that the balance is reporting correctly. I have followed up with the original creditor, XXXX Hospital, several times and they are telling me that there are NO outstanding balances on file for me. I have never received a single communication from Transworld to show me this balance that they claim I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12 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: FL

Complaint narrative:
XXXX, TRANSUNION AND XXXX HAVE INFORMATION ON MY CREDIT FILE THATS IS NOT MINE/INACCURATE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12 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: FL

Complaint narrative:
EQUIFAX, XXXX  AND XXXX  HAVE INFORMATION ON MY CREDIT FILE THATS IS NOT MINE/INACCURATE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: KY

Complaint narrative:
I have a checking account in Usaa Federal Savings bank. Someone is attempting defraud me by submitting a W9 form which doesnt allow me to access my checking account information using the USAA mobile app. It stops me from seeing my checking account on the mobile act. The USAA isnt a law enforcement agency. It is blocking me from access to my account. I have contacted them and notified them they are denying my access. They wont provide me information. They should be held liable for their actions acting in a manor contrary to the law. I would like copies of who submitted such a request and what funds they are inquiring about. Someone is attempting fraud upon me. USAA is acting as an agent and should be held capable. They have recorded audio calls where I have verified my identity and they recognize me as XXXX XXXX XXXX. I have a right to due process yet they continue with this illegal and unlawful behavior!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Cascade Capital, LLC
State: VA

Complaint narrative:
I reported this organization in a previous notice to you earlier this year, as a sub-collector on another bill. This one in particular is the same type of situation, in that I never received an original bill, nor any follow-up past due notices, around the time of service. Evidently, the organization ( XXXX XXXX XXXX ) sold accounts to Cascade Financial who is attempting to collect through XXXX XXXX. As in the other cases, I do not believe I should be responsible for this charge, due to what I've already said and the fact that it's been almost three years now. Another point is that they're using my street address  when I actually have a PO Box that is my official address. All other legitimate creditors and organizations, such as the IRS, my bank, DMV use the POBox. I would appreciate this being written off and closed from my credit report as I paid my portion of bills that came from other providers around the time services were rendered. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12 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 am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12 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: AZ

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12 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: AZ

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: FIRSTBANK PUERTO RICO
State: PR

Complaint narrative:
In XX/XX/2020 I paid off, in full a car loan # XXXX. At the day of pay the bank tells me giving up my title in 30 days. I call a few times to resolve this matter, but I can't receive any documents, letter or a simply call from First Bank Puerto Rico. I don't pay any fees for unreceived documents. I wish a penalty for irresponsible handling of my documents, I'm paying for my loan and I need my title as soon as possible.

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