vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-15 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: MO

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response. I feel like Im being taken advantage of, and my disputes are being ignored. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those accounts from my credit report. It has been almost 40 days so they should be updated to payed as agreed promptly. I demand these accounts be updated immediately, or I will be seeking litigation due to the stress this has caused me. My information was also impacted by the XXXX data breach and may have fell into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
XX/XX/2019 someone applied for a credit card in my name which I found out from an alert from XXXX XXXX. I reported it to local police who filled out incident report. I faxed a copy of it to credit bureau twice-they told me fax was the only method they could process. Months went by and I heard nothing. I contacted them many times and finally someone told me after first submission that fax was illegible. I refaxed it and months went by again with no contact from Experian. I called again and they said they never received second fax. It remains on my record as a hard inquiry and its almost a year and a half later. I put alerts on my accounts with all three credit bureaus and social security. Can you please assist?

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 2020-12-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
Calls me up to 2 times a day.. Monday-Friday, for the last month, number comes up as scam, sometimes leaves a message, but otherwise keeps calling ... .to many dates to type how many times they have been calling me the last month..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 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: SC

Complaint narrative:
IVE HAD A CHANCE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES.IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND UNQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY ME.

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 2020-12-15 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: SC

Complaint narrative:
IVE HAD A CHANCE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES.IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND UNQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 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: MD

Complaint narrative:
XX/XX/XXXX I disputed the way Transunion reported on a collections account that I have been paying every month. Therefore the balance is decreasing every month. The balance is currently {$15000.00}. Transunion 's report reflects a decrease in credit score whenever a payment is made and reported on this collection account as if it was a new collection item. The score drops between 20 and 23 points when this happens. 

I will continue to pay on this collection account. My credit report should not reflect a decline in my score whenever I make a payment each month. 

I disputed this situation with Transunion on XX/XX/XXXX and when I made my XX/XX/XXXX payment Transunion reported this on XX/XX/XXXX and dropped my score by 20 points on XX/XX/XXXX. 

This report is about Transunion and the way in which their program is unfairly and inaccurately reporting on payments made on collections accounts. There is nowhere in the FCRA that allows for this kind of Credit Bureau action in response to positive behavior. It is reporting the payment as if a negative action took place. This is a design, programming or other flaw in the system that needs to be addressed. 

The people involved are myself and Transunion. No individual has identified themselves from Transunion in their response or lack of response. They promised a response by XX/XX/XXXX and NOTHING happened. Nothing changed. Their response is still pending. Today is XX/XX/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 2020-12-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
In XXXX or XXXX of 2020. a fraudulent charge. was made on my PayPal account. My bank stopped credit card charge do to charge being out of state purchase. PayPal then tried to go in my bank account directly, but charge was still denied. So the debit left with PayPal. I tried to contact them through their website, but it was like a house of mirrors. Non of their options on their web page lead to a customer service rep. PayPal sold their debt of {$530.00} to XXXX XXXX XXXX. They did call last week and I talked to one of their representatives ( XXXX ). I explained the situation, but he didn't want to hear that it was a fraudulent charge that PayPal let go through, even though my bank denied charge due to fraud, He asked me if I made a police report. My response was no, I did not know you could do that. I am receiving notices through the mail that I own them {$530.00} for a charge I did not make. How can these be resolved? Please advise me what I need to do. I don't feel like I should pay a fraudulent charge do to PayPal 's poor protection of their customers monies. Thank you, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-15 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: 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 2020-12-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NRA Group, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX, I received a letter from National Recovery Agency with an itemized list of procedures and services provided at a hospital on XX/XX/XXXX. First, I never received notice regarding this debt to allow me to dispute. This company had included an itemized list of services and procedures from the hospital, which is a direct violation of HIPAA, as I did not authorize this because I was unaware the debt existed until I received this notice on XX/XX/XXXX. So on XX/XX/XXXX, I responded to the company indicating I never received notice of this debt, nor did I authorize or request any information relating to this account - as I didn't know it existed, to begin with. SO when the letter from the company stated I authorized and/or requested an itemized bill or something similar is 100 % false. I never knew this existed before this letter.

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 2020-12-15 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: IL

Complaint narrative:
Ive been contacting the credit bureaus for XXXX months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER. INVESTIGATION ARE TAKING LONGER THAN XXXX BUSINESS DAYS!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 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: 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 response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 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 2020-12-15 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: AMERICAN EXPRESS COMPANY
State: AL

Complaint narrative:
I have sent 2 letters challenging the accuracy of this account one on XX/XX/XXXX and the other on XX/XX/XXXX, and yet still no response. I also see in the comments section where there has been no actual investigation conducted this is a violation of my rights. This account has 3 different dates last active XXXX  has XX/XX/XXXX, XXXX  reports XX/XX/XXXX and XXXX  XX/XX/XXXX. How can the creditor have verified the different sets of information? 
You have violated my rights under FCRA with a failure to place this items in dispute and to conduct a proper investigation. I demand it be deleted immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Paypal Holdings, Inc
State: IN

Complaint narrative:
I was given a debit card I never asked for by Paypal. I think someone might have opened an account in my name. Paypal said they couldn't do anything without the debit card number. I shredded the card already though. 

I already had to close a credit account someone opened in my name with Paypal in the past. Even after Paypal closed the fraudulent account and knew the account wasn't mine they sent a collection agency after me and I had to tell the collection agency I never opened the account. 

Very frustrating that after I have already had one fraudulent account opened in my name Paypal is doing nothing to prevent it from happening again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-15 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: AES/PHEAA
State: AL

Complaint narrative:
I have sent 2 letters challenging the accuracy of this account one on XX/XX/XXXX and the other on XX/XX/XXXX, and yet still no response. I also see in the comments section where there has been no actual investigation conducted this is a violation of my rights. This account has 3 different dates last payment XXXX  has XX/XX/XXXX, XXXX  reports XX/XX/XXXX and XXXX  XX/XX/XXXX. How can the creditor have verified the different sets of information? 

You have violated my rights under FCRA with a failure to place this items in dispute and to conduct a proper investigation. This information is both incomplete and inaccurate with three entirely different pieces of payment history reporting. I demand it be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc

Complaint narrative:
Dear Sir I am a XXXX of XXXX. I had worked with XXXX of XXXX and USA My XXXX have been depositing my money in my Pay Pal account USA.. 
There was XXXX XXXX USD in my pay pal account. Mr XXXX ( XXXX ) was pay pal Manager, He was not paying the money XXXX XXXX USD on the vplea that Pay pal facility is not available in XXXX. He said that he can not even talk to people speaking from XXXX, He first sold my account to persons of XXXX XXXX than mis-appropriated my money and refused to pay me. During XX/XX/2020, the matter was reported to Federal Trade Commission and Honorable judge decided to pay the money during 2020. 
Now some one has said that Judge has cancelled his decision. It is requested that necessary action be taken against Mr XXXX for recovery of my money from him.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 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: TN

Complaint narrative:
THESE ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANIES DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Dovenmuehle Mortgage, Inc.
State: FL

Complaint narrative:
I sold my home in XX/XX/XXXX and I asked my mortgage company ( Dovenmuehle Mortgage ) for my escrow refund. I was due a refund in the amount of {$3500.00} for prepaid property taxes and home insurance. I called and was told a check was issued on XX/XX/XXXX. I did not receive it so I called again on XX/XX/XXXX and was told that they had my old address on file. I updated my address and was told they will request to issue a new check. I have repeatedly called on XX/XX/XXXX, XX/XX/XXXX, XXXX, and XX/XX/XXXX. Every time I call, i am told the check is in the mail. Also, I am told that a new check can not be issued within 30 days of past issuance. I offered to pay for overnight shipping, and tracking information but was told by customer service that the only thing they can do is request the refund check but can not overnight nor provide tracking information. It has been 3 months since I am supposed to receive my escrow refund check. I have requested for this case to be escalated to no avail. I keep calling and keep getting the same excuse, check is in the mail - with no tracking or confirmation that a check has been issued and when i should expect it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I'm a victim the inquiry issue with credit card 1. Wells Fargo SVC XX/XX/2020 2. XXXX XXXX XXXX XX/XX/2020

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 2020-12-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
I currently have a mortgage with M & T Bank. This mortgage is currently in a forbearance plan as a result of a COVID hardship assistance request, effective XX/XX/2020. As a result of this forbearance, my payments have been paused. Last week, I've received a letter from M & T Bank notifying me that despite my current forbearance status, my mortgage is currently " in default ''. This new information does not coincide with the current forbearance plan that I have been approved for. It is my opinion that M & T Bank has committed to harassing and bullying consumers who have opted to take advantage the protections afforded to them during this crisis. Prior to receiving this letter, I have received multiple calls from representatives of their bank, calling to remind me of what my options will be once the forbearance period is over. On the last call I received, the representative informed me that at least one option to resolve the past due payments will not be available to me if I do not have steady employment at that time. I do not believe this information to be accurate.

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 2020-12-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Performance Management, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX, upon review of my credit report, I noticed a collection on my report dated XXXX and XX/XX/XXXX. I panicked and pulled out the detailed information of the collection agency which is from Receivable Performance Mgt, LLC ( RPM, LLC ). I sent right away a dispute letter as I have never received any letters from them. The certified mail was first out on XX/XX/XXXX. I have not received any letter back. I again sent a request letter for validation of this debt on XX/XX/XXXX and requesting them to delete the negative report. On XX/XX/XXXX ( this was dated XX/XX/XXXX on the letter ) I received a bill from them with no proper validation of the account they are reporting. Reporting this without prior notification and showing the validity of the debt on my behalf is a violation of my right under the FDCPA. 
These are the violations the RPM, LLC made. 
The RPM, LLC did not properly notify me before reporting the debt. 
The RPM, LLC upon request of validation of the debt, did not provide me the debt information ( amount, name of the creditor ) within 5 days ( if they contacted me ) and 30 days from receipt of my dispute letter that I discovered from my report. 
The RPM LLC never provided me enough information about this debt upon request within 30 days before reporting it to the credit bureau.

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