vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-17 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: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX : XXXX. XXXX, 2021 {$840.00} XXXX XXXX XXXX Reported : XXXX XXXX, 2021 {$97.00} I challenge the accuracy, compliance and reportability of these listings. 
There are no valid claim, no contracts exist ... accounts were settled with original creditors and has been confirmed. I have never been late either. I am quite appalled and indignant. ( Debts can not be collected twice ). 

Grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights.. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: FISERV FINXACT CORE
State: NY

Complaint narrative:
I received a Debit card for the " first time '' from Money Network Cardholder Services on XX/XX/2020 with only a {$16.00} credit balance instead of the {$2400.00} stimulus money that was issued to me by the Federal Government. 

I contacted Money Network Cardholder Services ( Card issued by XXXX ) to complain that I only was provided with {$16.00} instead of {$2400.00}. I received a break down from Money Network Cardholder Services showing usage on an account between XX/XX/2020 and XX/XX/2020. I did not have a debit card in my possession during the month of XX/XX/2020. The first time I received a debit card was on XX/XX/2020. None of the debits made in XX/XX/2020 were debits made by me. I am not sure if XXXX has provided me with a breakdown for someone else 's card or if a card was sent to me prior to XX/XX/2020 and the charges made in XX/XX/2020 are unauthorized/fraudulent transactions. 

My complaint/dispute has been ignored. It will be almost one ( 1 ) year and I have still not been provided with the {$2400.00} in stimulus money allocated to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MIDFIRST BANK
State: TX

Complaint narrative:
XX/XX/2020 I had a water leak at my house my insurance XXXX XXXX issued me a check for my water damage lost of XXXX to me and my lienholder Midland mortgage I have been having trouble since XXXX trying to get funds to fix my house Ive suffered With this weather related in XXXX that we had I do not have floors, kitchen or walls it all got demoed due to water damage my house was very cold 52 Ive been back-and-forth with Midland submitting paperwork every time I call to follow up Ive been told different by all different operators that I even asked my insurance agent to help me we called on a three-way line to try to get some help for me all Im asking is for them to release the funds so I can fix my house back I am going on for months with my house being destroyed I am stressed out about the situation Ive been in my house for 22 years I am asking for somebody to help me with this issue yes I did receive XXXX Of the XXXX but that was nothing I had to buy material for the floors at least upstairs my sons room is plywood when I called back now theyre telling me that I have to do another stack and wait 10 more days for them to research it I think this is ridiculous

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 2021-03-17 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:
This is ridiculous! I can not move on in my life and apply any financial planning!! Could you please help me and remove fraud account from my credit report? THIS ACOUNT IS ABSLUTELY NOT MINE! It just appeared this month from nowhere ... .Its a fraud, identity theft I have no idea hat is that but I do not want to see it in my credit report! REMOVE IT ASAP!

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 2021-03-17 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:
This is ridiculous! I can not move on in my life and apply any financial planning!! Could you please help me and remove fraud account from my credit report? THIS ACOUNT IS ABSLUTELY NOT MINE! It just appeared this month from nowhere ... .Its a fraud, identity theft I have no idea hat is that but I do not want to see it in my credit report! REMOVE IT ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 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: CA

Complaint narrative:
I have a couple files along with incorrect names and address that are reporting on my credit report. 
XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX there is no amount that show. however it does not or ever belong to me, and reference to my affidavit the was signed and notarized and sent to the company for Validation of debt along with he affidavit. Which was not answering in proper form, and not answered to at all. would demand for deletion and removal for fraudulent reporting along with not properly notifying my request for Method of Verification Request from the CRA. 
XXXX XXXX  XXXX XXXX XX/XX/XXXX {$330.00} this is a Fraudulent reporting account that need to be removed

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 2021-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
SunTrust ran a promo ( code XXXX ) whereby if I had a direct payroll deposit of at least {$3000.00} for 2 consecutive months within the 1st 3 months I would get a {$500.00} bonus. I have met & exceeded those requirements ( my payroll direct deposit has gone into my account for FOUR months now and I have the bank statements to prove it. These XXXX are trying to claim they can't validate that it's a payroll deposit but 1 ) it OBVIOUSLY is, and 2 ) it shouldn't be my problem that they " can't : validate it & get their act together. I provided the name of my employer & even offered to send a W2 but their " Marketing '' dept. said if they couldn't verify it if they didn't see a certain code in the transaction but that is a LOAD OF XXXX by either incompetent or lazy people or thieves. I upheld my end of the promotion so please force them to uphold their end or FINE THEM for being XXXX XXXX XXXX!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
The seller from PayPal shipped my item to the wrong address so I was supposed to be covered for that by PayPal 's buyer protection program but they sided with the scammer ( CASE ID : XXXX ). I checked the tracking information with XXXX and they informed me that the name and address on the package was completely different. But PayPal still sided with the scammer. PayPal misadvertised their buyer protection program.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-17 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: PA

Complaint narrative:
There is a XXXX charge off on my Trans Union bureau. Old, and disputed with all 3 agencies years ago when it first appeared. 5hey removed TU didnt. Found out when I applied for a mortgage. Went on their website to dispute, saw some incorrect demographic information on me, updated what was wrong- which locked me out from disputing the XXXX charge off. Tried to go back in a few days later and TU website doesnt recognize me and caught in an endless loop where I give my ssn and name and it just resets.

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 2021-03-17 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: Credit Counsel, Inc.
State: FL

Complaint narrative:
The collection on the credit report has not been erased. This debt was paid since XX/XX/2019, and should have never appeared on the credit report as a collection to start with since it was paid. 
I told them I want the mistake removed from the credit report ASAP and provided proof of payment. The company verified that payment was received. 
I told them I need a letter that states that they received payment and it will be removed from my account. they never replied to me. I am in the process of getting a loan and this is slowing it down. they said they would delete it and they have not and are violating 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 2021-03-17 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: Benefit Mortgage
State: CA

Complaint narrative:
In XX/XX/2019 my XXXX year old mother was contacted by Benefit Mortgage in XXXX XXXX, CA about the benefits of a reverse mortgage. The broker visited her on many occasions, eventually presenting her with a 200 page " loan package. '' She was confused and because my father was no longer alive and I am living in DC, she did not have anyone advocating on her behalf. She signed the loan documents under the duress of the broker, a complaint she later voiced to me. In doing some digging on my own, I discovered that any citizen who applies for a reverse mortgage must complete a counseling session to educate the individual about what they are entering into. Once completed they receive a certificate signed by the counselor and then by the client. When I finally received a copy of the counseling certificate from Benefit Mortgage ( attached ) I noticed that there was only the counselor 's signature and no signature from my mother. This backs up her claim that she never received the counseling. The name of the broker is XXXX XXXX and his manager is XXXX XXXX, both of Benefit Mortgage in XXXX XXXX, CA.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 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: PA

Complaint narrative:
I previously disputed items that was not mine i sent in FTC report contacted my lawyer and sent in a dispute for a investigation I was never notified that my dispute was filed I contacted FTC to come up with a plan this is my next step before I filed a law suit because I trying to move on from this situations I was XXXX  when these accounts was opened and that's against the law to let individuals use my information and me being treated like a criminal ALL over again for a crime I didn't commit.

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 2021-03-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: TN

Complaint narrative:
Convergent Outsourcing, Inc. is trying to collect a debt that I supposedly owe XXXX XXXX, XXXX. I do not nor have ever had any services provided by XXXX XXXX. I have sent them a letter explaining that the debt is not mine and that someone did steal my information. I requested that they remove it from my credit report but that hasn't been done. 
Please help me get this situation resolved. 

Thanks in advance for your help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 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 called equifax to let them know its fraudulent activity going on with my credit report which is 3 accounts thats are fraudulent I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as Im talking about XXXX. XXXX XXXX  XXXX. XXXX XXXX XXXX. XXXX XXXX This is not a dispute this is a request if you dont have any documentation of these accounts to verify they mines then I ask Equifax to remove these fraudulent account and hard inquiries i also file a ftc report of the inquiries and I wrote a affidavit of fraud of the hard inquiries I attach them with this complaint I did everything I can to get equifax to remove them and they wouldnt so this why Im filing this complaint Im adding my id and social security number thank you I give you 15 days to show me proof documentation from those accounts if you dont have proof I asked you to remove them please and send me proof that those accounts are removed from the address thats on file thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 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: LA

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: DAS Inc
State: CA

Complaint narrative:
In XX/XX/XXXX, a judgement was made against me for 2 months of back rent. I was unable to pay for many years. In XX/XX/XXXX, a creditor began reaching out to collect on the judgement. In XX/XX/XXXX, the judgement automatically expired, according to California law. The judgement was not renewed by the creditor prior to expiration. On XX/XX/XXXX I let the creditor know that the matter had expired and asked them to cease and desist collection efforts. On XX/XX/XXXX, they contacted 16 people I know asking for financial records, as well as my current landlord asking for financial information about me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Mercedes Benz Financial Services
State: NY

Complaint narrative:
I am writing today in regards to my account with MB Financial Services Account # XXXX. The reason for writing today is in regards to the late payment which is showing on my report in XX/XX/XXXX, due to Covid I was unable to make the payment in XX/XX/XXXX. As soon as I was able to, I got my payment made and caught up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Continental Services Group, Inc. d/b/a ConServe
State: TX

Complaint narrative:
I have reached out to this company on several attempts to request debt validation and have gotten no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 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: PA

Complaint narrative:
I previously called as well as disputed information that doesn't belong to me I made a report with FTC asking what I can do before filing a law suit this was my next step I provided my identification card as proof of these products not belonging to me and nothing was done. I wasn't notified by mail I asked to be notified by mail pending outcome of the investigation and nothing was provided when I call a man I talked to was very rude and aggressive with me and now I'm filing a complaint because nobody should be treated this way when I'm just looking for help I understand they get paid off more accounts I have on my account but by law if it don't belong to me it have to be removed. Thanks you

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 2021-03-17 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NH

Complaint narrative:
XXXX claims that they have refunded me and Bank of America claims they do not see the refund. Both companies blame the other and I as a consumer am left with nothing. 

On XXXX XXXX I paid {$570.00} to XXXX for XXXX XXXX Lover Fest tickets for an XX/XX/XXXX concert. 

Due to the Covid-19 Pandemic the concert was postponed. 

My order # was XXXX XXXX XX/XX/XXXX the concert was canceled by XXXX XXXX and XXXX emailed to say that they were processing refunds to all ticket purchasers. 

On XX/XX/XXXX I received an email from XXXX notifying me that on XX/XX/XXXX my Bank of America Visa card had been refunded {$570.00}. 

On XX/XX/XXXX I contacted XXXX again and was again told in an email that a refund was send on XX/XX/XXXX. 

As of today, XX/XX/XXXX there is NO refund. My bank refuses to dispute this transaction because the purchase date was in XX/XX/XXXX and shows NO record of a refund being sent EVER from XXXX and XXXX says they refunded it and it's not their issue. 

I have had {$570.00} stolen from me because XXXX DID NOT refund this. 

My bank advised for me to contact you.

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 monetary relief
Consumer complaint received 2021-03-17 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: TN

Complaint narrative:
I contacted XXXX to find out that an account, line of credit, and credit card had been open in my name that are all fraudulent with XXXX. Bank account have a balance of {$370.00}, Line of Credit have a balance of {$21000.00} and Credit Card with a balance of {$6100.00}. I have contacted XXXX and TransUnion about this issue and have received the same inaccurate results.

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