vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-01 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: GA

Complaint narrative:
I currently have a {$510.00} debt being collected from a company name XXXX XXXX located in XXXX, VA. I sent a certified letter to XXXX XXXX on XX/XX/2020 to validate the debt within 30 days in which they failed to do so as well as another on XX/XX/2020. I then sent another certified letter on XX/XX/2020 advising they failed to validate this debt of {$510.00}. I also sent debt validation letters to XXXX, Equifax and XXXX  on same dates and they failed to send any validation of debt. 

I called the XXXX XXXX on XX/XX/2020 around XXXX at XXXX in regards to the validation of debt and I spoke with XXXX XXXX and she stated they did received my letters however due to the 2nd letter sent on XX/XX/2020 she was unable to provide any debt validation. I asked her why are they still collecting on a debt that was not properly validated within the 30 days of the XX/XX/2020 and XX/XX/2020 she could not give me a direct answer. She stated I had to email her manager or supervisor XXXX XXXX. 

The FCRA requires XXXX XXXX or any other debt collector to verify the validity of this debt within 30 days. If the validity can not be confirmed, they are obligated by law to remove it from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 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: MI

Complaint narrative:
I filed a complaint against Experian Credit Report, because XXXX XXXX and thier lied changing information on my report, dates etc. 
I was deny deletion on XXXX XXXX, and XXXX XXXX change to hire story again! Now Experian is not deleting them off my report after I XXXX XXXX went from closed account to a collection account, to prevent removal. 
I was told and a note of removal was ony report of XX/XX/2020. 
I have proof of this and will enclosed copy. XXXX XXXX can not keep changing status ony credit report! It is illegal to do what there doing..

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 2020-12-01 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Dear CFPB I am writing this letter to compliment the wire transfer fees problems with Bank of America. 

I just received a money wire incoming transfer from XXXX. 

When my sister sent the money, she already paid XXXX USD and plus transaction fees. 

But i only received XXXX USD XXXX dollars wire fees, l called Bank of America this morning and asked who changed XXXX dollars, they said another side of the bank, but l checked details which from my sister she paid extra fees not including this XXXX USD dollars. 

I think Bank of America charged XXXX dollars fees, and they don't admit it. I want they refound the fees. 

Looking forward 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 2020-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
on XX/XX/2020, i mailed a letter asking for verification of accounts listed on my credit report because I was recently denied credit. I never received a response so I mailed another letter on XX/XX/2020. It has been almost six weeks since the last letter and I still haven't received a a response.

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 2020-12-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: NC

Complaint narrative:
I've had my credit frozen with all 3 bureaus for over a year. Only unfroze last fall for a few days for an auto loan. Monitor my credit every month, and in XXXX noticed a collection from Southwest Credit Systems on behalf of XXXX XXXX. This is not my account. Talked with rep at Southwest and the address for the account is in XXXX, NC. I live, and have lived for 25 years, in XXXX, NC, and have never lived in XXXX. Not sure how my credit was even accessed with the freeze. Very much want the account taken off my credit to restore my near XXXX credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 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: TN

Complaint narrative:
on XX/XX/2020, i mailed a letter asking for verification of accounts listed on my credit report because I was recently denied credit. I never received a response so I mailed another letter o XX/XX/2020. It has been almost six weeks since the last letter and I still haven't received a a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got 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 2020-12-01 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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got 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 2020-12-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: MI

Complaint narrative:
I tried to settle this debt. I had a house fire in XXXX the same year. They refused to accept the offer. This was with XXXX XXXX before collections. Then they closed it out, and it was listed as a charge-off I believe. Then, I started getting calling early morning before XXXX XX/XX/XXXX and even night after XXXX and " All '' throughout the day by the collection agency about taking my property. I was having my house rebuilt, having problems with the contractors during this same time. So, I couldn't handle the stress. I have a XX/XX/XXXXwhich caused me to be determined XXXX following a car accident. I was in aXX/XX/XXXXrequired round the clock care for several years as well. Because, I was thinking aboutXX/XX/XXXXbecause everything was so crazy, I went to see a therapist. After which, I retained an XXXX XXXX in XXXX Michigan to handle and make arrangements. The arrangement was XXXX dollars each month. I missed 1 or 2 payments, but i contacted the collection agency prior to that I was having problems with payments. My house isn't finished yet, so I had to rent an apartment. I just moved into my home since the fire in middle of XX/XX/XXXX. I informed all parties of my situation. The collection company sent me a certified letter on XXXX at my P.O. Box that the collection agency placed a lien on the property. I never, received the notice that they were going into court to place a lien on the property. XXXX XX/XX/XXXX. On the court filing document It had my name and P.O. Box which I've had for years address. Yet, they certified me a copy of the lien, but FAILED to sent me a certified copy of the court filing. When I called them they said they couldn't talk to me only my attorney. The debt was for XXXX in the beginning or a little less. Now it's over 7,000. Finally we ar in a PANDEMIC every business, courts, daily routine life was interrupted due to the virus. I believe they intentionally didn't send me a notice, because they knew courts were closed to the public. Courts are still closed to the public currently due to the rise in deaths, and the Governor of Michigan closed Michigan back down for 3 weeks, almost XX/XX/XXXX, it might get lifted. They filed this in XXXX there was no reason good cause that ( I ) didn't receive notice. They had my address it's on the filing form. I would've addressed if I had been properly notified.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 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: EQUIFAX, INC.
State: KY

Complaint narrative:
XXXX XXXX opened several accounts in my name, including a credit card I did not request or was sent to me as a debit card. A settlement dispute was resolved over multiple accounts back in 2016. However, the credit card was charged off & I was never sent the bills after I became XXXX and was in a XXXX XXXX. 
I've tried to resolve the issue with their collection firm and attorneys, however, there is nothing they can do since the settlement was not recorded in a court or via their legal team. 
I still have not received any compensation after XXXX XXXX opened more than 4 accounts in my name, charging me extra each month on each account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 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: TN

Complaint narrative:
on XX/XX/2020, i mailed a letter asking for verification of accounts listed on my credit report because I was recently denied credit. I never received a response so I mailed another letter o XX/XX/2020. It has been almost six weeks since the last letter and I still haven't received a a response.

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 2020-12-01 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
I noticed that Best Buy pulled my credit without my consent on Monday XX/XX/20. I was asked if I had a rewards membership ( which I do ) and I figured they were just going to pull it up. He asked me for my social. I asked the employee what do you need my social for? It is just a rewards card for discounts and points. He stated my rewards card information needs to be updated. They instead ran my credit. I noticed 2 inquiries once I got home. I received credit alerts from my app.

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 2020-12-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldous & Associates, PLLC
State: FL

Complaint narrative:
I was reported to the Aldous & Associates for collection of a debt for 2 gym membership accounts. The name of the gym is XXXX XXXX. On XX/XX/20 I went into the gym and spoke with the General Manager named XXXX and satisfied BOTH accounts. I also rejoined the gym and got a new membership. XXXX stated he was going to email Aldous & Associates the same day to inform them the accounts were satisfied. The next day I called Aldous & Associates and spoke to a very rude man who stated he was not going to remove these accounts and he does not care what the General Manager at the gym says. He said he made his final stance and will not change his mind and the accounts will remain on my credit reports until I pay them ( Aldous ) the FULL balance and hung up the phone in my face. I then called XXXX at the gym to inform him what was said to me about the accounts. He was shocked to hear this information because he said this has never happened. 

I don't know what to do at this point because Aldous & Associates are VERY rude and really needs to be closed down.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 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: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
My home closed on XX/XX/2020. Mgt on XXXX XXXX XXXX, XXXX, NJ XXXX - Shellpoint Mgt Loan # XXXX. 

My SS. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, NJ. XXXX My paid off mortgage on XXXX XXXX XXXX, XXXX, NJ XXXX - Shellpoint Mgt Loan # XXXX is still showing up as outstanding on my credit reports Mgt on XXXX XXXX XXXX, XXXX, NJ XXXX - Shellpoint Mgt Loan # XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I registered for the PayPal promotion at https : //www.paypal.com/us/webapps ... XXXX on XX/XX/XXXX. 

The promotion offers a {$25.00} cash reward after three purchases of {$35.00} or more using PayPal at XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX. 

I made the 3 purchases at XXXX on XX/XX/XXXX, but did not receive the {$25.00} credit as promised from the promotion. The promotion fulfillment window of 5-7 business days has now passed, and PayPal has not credited the reward. 

I contacted PayPal support, who has been unable to resolve this issue. 

The promotion is still active and being advertised at the original link as of XX/XX/2020. 

I appreciate your help in resolving this issue and having the {$25.00} reward applied to my PayPal account. 

Here is the transcript of my conversation with Paypal regarding this issue

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
Date : XX/XX/2017 Amount : {$390.00} Action Taken : When I disputed this account and it was removed on XXXX and XXXX, but LVNV Funding forgot to remove it from my XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC
State: NC

Complaint narrative:
XXXX XXXX of XXXX XXXX XXXX XXXX NC XXXX, ShellPoint Mortgage, account XXXX last four of SS XXXX On XX/XX/XXXX I received a notice of insurance lapse from ShellPoint ( no insurance lapse happened and I can prove that ). I had my XXXX agent fax proof of insurance. After that I received a second notice and a third notice, I contacted ShellPoint and they found proof of insurance. I thought that had been handled. I requested a pay off in 2nd week of XXXX. I received a XXXX charge for forced insurance, XXXX charge for inspection fee and a XXXX late fee. I was surprised since that had been handled. I found out last night my agent sent proof for XX/XX/XXXX until XX/XX/XXXX. I didn't prove I had insurance for XXXX and XXXX of XXXX. Which I was not contacted for proof of that time period since it was in XXXX and my insurance renewal runs from XXXX to XXXX. The XXXX inspection is fraudulent too, no one came out to my home. I'm always home and I have cameras. If it was a drive by picture why charge so excessively. I highly doubt anyone came out, I'd like to see these " photos ''!!! It's been a nightmare with ShellPoint, I'll make a payment and it does not credit to my account. I've had to email a screen shot of my billpay payment 3 times. Incompetents, lack of training or thievery? If I had made a money order payment and lost my receipts I'd be out of that money. I don't have extra money to make repeat payments! I'm not the only one having problems with ShellPoint Mortgage. Their reviews are 1 star. Please investigated this company!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Around the middle of XXXX I checked my credit report and seen a new added collection from XXXX XXXX i immediately looked into the account to try and gather any information I could about the unknown debt. The first action I took was to dispute it with all 3 credit bureaus, and I also wrote the collection agency as well to get this resolved. I waited 30 days to hear back from both parties. I looked more into the negative information and it reports the debt was opened in XX/XX/XXXX for XXXX original creditor was XXXX XXXX now I'm more upset at the negative information because I been with my light company past 2 years so could i open a new account with them. XXXX comes back and says it's verified as my account which is impossible. So I looked into the FDCP section 809 and read upon the unfair debt practices I should have received a letter which gave me a right to dispute. So I decided to call and ask about the account. I asked the lady why are they reporting inaccurate information on my report and to verify the address. She tells me the debt was XXXX and gave an address of a city I never lived in now I'm really confused how did XXXX verify this debt was mines when the information clearly doesn't match. I'm currently trying to buy a house and it's very unfair to have a debt pop up out of nowhere and for them to tell me it's from XXXX that's a 6 yr old debt with a city I never lived in that my credit report is suffering behind inaccurate unverifiable information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have contacted the XXXX  and Experian credit bureaus multiple times regarding public records of bankruptcy on my credit reports. I have disputed these items multiple times with the bureaus and each time it comes back verified through XXXX XXXX and Bankruptcy courts. I contact the Bankruptcy courts which they have responded that they do not report to the credit bureaus, therefore, the item is either a lie or an error. Either way, the reporting requirements do not comply with FRCA- 611 ( 15 U.S.C- 1681I ) and the information must be deleted. 
I also contact XXXX XXXX for a copy of verification of the public records as well. I received a letter from XXXX XXXX stating they do not have a bankruptcy file or record. Based on this, the method of verification is fraudulent and the items must be deleted from my credit reports. 
I have attached the letters from the XXXX XXXX and the Bankruptcy courts as proof of what I am stating. 

Experian- BK ID # XXXX BK ID # - XXXX BK ID # - XXXX XXXX- BK Docket ID # XXXX BK Docket ID # - 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 2020-12-01 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: Credit Plus Inc
State: GA

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/2020, Credit Plus add a hard inquiries on my credit reports per XXXX, XXXX  and XXXX. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation