vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-23 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: Convergent Resources, Inc.
State: CA

Complaint narrative:
Hello so I am being charged for a XXXX bill for phones I bought around XXXX for {$460.00}. I asked for XXXX to close the account and I believe they did they closed everything. I do not owe or have to pay anything as the account was closed and I keep getting harassed by the debt collector.I have no job due to Covid-19. I am barely able to pay for my bills as it is.

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 2021-04-23 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: LA

Complaint narrative:
I have been disputing this auto loan on my report since XX/XX/2021 which is well over 30 days. As you can see from the screenshot provided each of the three bureaus are reporting that the information was disputed and consumer disagrees which means they claimed it was valid right? Well why in the XXXX are all three bureaus reporting different information from the other? If ALL have actually done the due diligence and reviewed the account information and also double checked it with my alleged contact from the lender then the information, account status, high balance and credit, last payment date, etc wouldnt differ. 
Im no fool. Ive read the FCRA laws and I knew when I sent my notarized certified letters not once or twice but now three months in a row I knew yall were using an automated e Oscar system to validate these items and from here on out I decline yall using that when dealing with me. Yall have violated my rights long enough that Im filing an official lawsuit again all three if this is not removed within the next 15 days. You do not get another 30-60 to verify as you claimed you already did that three times already. Cut the bull and delete all of this inaccurate information.

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 2021-04-23 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: LA

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: XOOM CORPORATION
State: TX

Complaint narrative:
XXXX XXXX XXXX  On XX/XX/XXXX Xoom XXXX transaction XXXX  was initiated at XXXX. The funds from my bank account were taken within 30 sec of starting the transaction. During the setup Xoom XXXX stated the funds would be credited to recipient account in 3 minutes. 
It was noticed that the transaction status remained unchanged till XXXX XXXX  so I decided to cancel it. 
It was a typical case of misspelling the services and misleading the client. The transaction was in freeze mode for almost 5 hours with no update from Xoom XXXX. When it was reported to customer services, they failed to provide a satisfactory reply. 
It was unacceptable that though Xoom XXXX debited customer account immediately but failed to complete the transaction within stipulated 3 mins. Further customer service didnt follow the SOP of informing the client when transaction for any reason was not completed. 
Xoom XXXX commits to complete funds transfer in 3 mins but when it fails, it doesnt inform the sender about it thus keeping customer 's funds for long and no explnation given to client.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 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: Credit Technology, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX  : XX/XX/2020 ( 30 day ) and XX/XX/2020 ( 60 day ) XXXX : XX/XX/2020 XXXX 30 day ) and XX/XX/2020 XXXX 60 day ) In both instances, I had issues with address discrepancy and wasn't receiving invoices/bills which kept me from making payments in a timely manner. Due to COVID-19, it was necessary that I take care of my elderly parents, and needed to have mail forwarded, but as it turns out not everything was arriving. As soon as I discovered the discrepancy I dealt with balances in full. As of of now both cards do not carry a balance but these missed payments have made a major impact on my credit score.

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 2021-04-23 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
When I applied for student loans years ago, Navient pushed me into private student loans instead of federal loans, despite me not having any federal loans. I currently have a balance around XXXX, my monthly payment is over XXXX dollars, but only around XXXX of it goes to principal and the rest is interest. Ive never made over XXXX dollar a year yet my payment is never reduced, they only offered that I can pay interest only, which is over XXXX dollars a month, and removes no principal. It has been over 10 years since Ive started paying my loan, have paid over the balance of what my loan was, and yet my balance has barely dropped due to high interest. I have requested to possibly refinance my loan, or some kind of remediation due to the amount paid against what was owed, and Navient has refused to work with my, only offering me to pay just my interest each month, which as I said is still very high and does nothing to reduce my debt, its essentially giving money away. I have paid more than my initial loan amount and have expressed financial difficulty, yet Navient refuses to assist. It should be noted that had they given me federal loans as they should have when I applied, this would not be an issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
PHNX FINAN is claiming that I owe them {$1000.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have got multiple offers from American Express but after filling up applications and applying I have got denial and they were asking additional informations in order to issue a card. Additional informations questions suppose to be included in the application 's questioner and not asking them separately after the application submission.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 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 demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX creditor : 01 XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX- Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX - Account # XXXX XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
8. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
9. XXXX XXXX XXXX Original creditor : XXXX  XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 



FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RMA Credit Association
State: TX

Complaint narrative:
RMA CREDIT is claiming that I owe them {$51.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

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 2021-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 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

Complaint narrative:
The company has tried to reset my account password multiple times, even I did not request it. 

I received multiple emails asking for the verification code, I ignore it because I thought it was a Scam. 

The day after the incident, I received emails about my account being temporarily limited. I have provided the details needed. 

After that, they send another email asking for more information, then I provide more information and then I have received it again my account being resetted without me requesting it and then they Permanently limited my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 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: CA

Complaint narrative:
It has been over 60 days since I have not heard back regarding an investigation of inaccurate, unverifiable, and invalidated information. This is a clear violation of the fair credit reporting act.

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 2021-04-23 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AXOS FINANCIAL, INC.
State: FL

Complaint narrative:
I got my house mortgage from Axos Bank, loan payment was {$2900.00}, the bank reached out to us on XX/XX/XXXX to inform us that we don't have insurance for the property, and they are going to purchase the insurance for us unless we prove we already have the insurance, which we responded at the same month with all documents to prove we already have all insurance required, and they responded to confirm that we are all good. However, the bank still increased our payment on XX/XX/XXXX and indicated that we don't have the insurance. On XXXX, we called the bank and indicated that they charged the wrong amount since we already have the insurance required. Even we know we are overcharged, we still made the payment to avoid any potential late fees, and the most strange thing is the adjusted our payment on XX/XX/XXXX then change it back again on XX/XX/XXXX and after then. At the same time, due to this issue, we requested the bank to run a diagnosis on our account, and all of a sudden they realized that they over charged us over the whole year, and sent us a {$2800.00} check on XX/XX/XXXX. However, they still charge us the same amount of mortgage payment monthly and indicate we don't have the insurance. At this point, I don't even know what's the actual amount of payment we suppose to make, and they don't even have a phone number for the right department to solve this issue, we know we are clearly over charged and we still have to make payment to avoid the potential late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PROFESSIONAL COLLECTION SERVICE, INC
State: TX

Complaint narrative:
XXXX XXXX  is claiming that I owe them {$1800.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company response to consumer: Untimely response
Consumer complaint received 2021-04-23 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

Complaint narrative:
Hello my account was locked for no reason. I am a legit user of paypal app. I didnt do sketchy, scamming or violating their rules on their platform. My problem was just my locked bank account that was linked to my paypal can not remove for no reason. I want to recover my account because i have funds on it and i didnt do nothing wrong using their app. This is the email that was linked to my paypal app ; XXXX Thank you for corresponding to my complain.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 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 — Investigation took more than 30 days
Company: Bread Financial Holdings, Inc.
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 2021-04-23 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: SC

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. I hopes that I can get some assistance in reaching these credit bureaus. They are unlawfully reporting late and missed payments on my credit report during the pandemic. I wasn't able to work during those times when the payments were missed and they aren't giving any consideration and I have submitted my compliant over a month ago and still haven't gotten any results. Please help me get these accounts updated and get my credit back on track.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NJ

Complaint narrative:
On tuesday XX/XX/XXXX I was scammed and the scammer had me open a Cash App account and send money to an unknown party. As soon as I realized what happened I called Cash App. Their customer service number refers you to their online support app. I sent information in the support app who then referred me to an email support group. For two days I went back and forth with them and finally they said they would not assist me and to report it to the police. Every company should have a phone number you can call to report fraud and if they had worked me when I reported it the transaction could have been stopped or reversed. I am also working with my bank but I feel that Cash App should be investigated for poor consumer practices and lack of consumer response. I would advise anyone who uses this APP not to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 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: SC

Complaint narrative:
I hope you can help me to remove these items from my credit because I can not progress in my life like buy a house, get car or even get a credit card. The way life is now credit is everything. On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. I hopes that I can get some assistance in reaching these credit bureaus. They are unlawfully reporting late and missed payments on my credit report during the pandemic. I wasn't able to work during those times when the payments were missed and they aren't giving any consideration and I have submitted my compliant over a month ago and still haven't gotten any results. I am the only one who is working in my family and I need to provide a good life to my parents and these fraudulent items will hurt me to provide as daughter. so please help me while I move forward with helping my family thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Nelnet, Inc.
State: MA

Complaint narrative:
There is no way that these companies investigated this student loan. The same information continues to report on my credit. I honestly don't believe I was late and I don't agree with the total balance that they are reporting on my credit. It continues to report several inaccuracies among the 3 credit reporting agencies from the last student loan company. How is that possible? For example, Each bureau reports that I was late on a different date

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 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 — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
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 2021-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Security Credit Services, LLC
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: CA

Complaint narrative:
Last month, I received a notification from XXXX that there was a debt collection agency indicated on my account, which significantly decreased my credit score. There was no prior notification of any kind sent to me in writing, by email, or by phone by any debtor. I called the collection agency, but they were unable to give me any information, as I have no account number to give them as a reference, since I never opened this account. They were unable to match my name with the amount reportedly owed on my credit report as well. The crediting reporting agency does not reveal the full account number. Upon disputing the item with XXXX twice, I learned that the item originated from XXXX, with whom I have not opened an account. This item has to be either fraudulent or placed on my account in error. Upon further investigation, I also noticed that an unauthorized inquiry was placed on my account last year in XX/XX/2020 from XXXX. I havent had any luck getting any information from the collection agency of any kind to document my authorization of any opened account. Furthermore, there are no documents ( contracts, letters, bills ) of any kind for me to attach because I did not open this account.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief