vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
My credit card balance hasn't updated in Transunion in over 50 days. I reached out to my credit card company and was told that updated information was sent to Transunion last month. Transunion said that they haven't received an update from this particular credit card company since XXXX. I was told by the credit card company that updated information is sent every 30 days. My XXXX and XXXX updated last month. Transunion has now issued a dispute on my behalf with my credit card company when my dispute is with Transunion not updating my credit report in a timely manner.

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 2021-04-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
In 2019, I tried to do business on XXXX. Because offline business was not very good, I had some products in stock, so I sold my goods on XXXX at a low price, but PayPal didn't know why it took my money away. As a result, my present life is difficult XX/XX/2019 PayPal - negative {$6700.00} XX/XX/XXXX Transfer P PayPal - negative {$6700.00} XX/XX/XXXX Transfer Loading transaction details for PayPal - negative {$6700.00} XX/XX/XXXX Transfer You reported a problem with this transaction. See the status of your case in the Resolution Center. 
Paid with Balance {$6700.00} Transaction ID XXXX Seller info PayPal Note {$6700.00} USD ; PayPal Posting Date : XX/XX/2019 ; Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mortgage Lenders Investment Trading Corp
State: FL

Complaint narrative:
After contacting RP Funding on the phone and by certified mail, they still have not corrected the math on my escrow account. 

My loan closed in XXXX of last year and initial funding of escrow was made. Every payment since the close has been on time, including the required escrow payment. 

RP Funding has failed to perform the appropriate mathematics since they made an erroneous insurance payment on my account in XXXX of last year. They then went through and made several entries to my account attempting to reverse the error, credit the error, reverse the error, etc. In all of the RP Funding attempts at error correction, RP Funding failed to credit {$25.00} to my escrow account somewhere. The detailed accounting of the escrow payments since loan inception is detailed in the attached letter that was sent via certified mail to RP Funding 30 days ago and never responded to by phone or mail, and certainly not by correction to the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: United Revenue Corporation
State: TX

Complaint narrative:
Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) I have complete and thorough records of your violations and I am prepared to protect myself and my rights from unscrupulous collection agencies.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Business and Consumer Solutions.
State: FL

Complaint narrative:
This company called me without sending a letter regarding a debt from XXXX XXXX XXXX or FBCS and I have never made any transactions or business with this company. Therefore, I request that this company stop and cease all communication methods with me. Additionally, I request you to delete this account from your company and that you remove from XXXX, XXXX  and XXXX  if you reported this account to them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 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: Professional Credit Management, Inc
State: TX

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX ... XXXXXXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ... XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: MA

Complaint narrative:
I engaged in refinancing my mortgage with Amerisave Mortgage. I was promised {$2000.00} in lender credits at the onset which I have written confirmation. There was also a long drawn out issue with the rate and points I was guaranteed, again, I have this in writing. Amerisave made good on what I was promised regarding the rate and points after many conversations with supervisors at Amerisave but they did not honor the {$2000.00} in lender credits.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
This company called me without sending a letter regarding a debt from BB & T or XXXX and I have never made any transactions or business with this company. Therefore, I request that this company stop and cease all communication methods with me. Additionally, I request you to delete this account from your company and that you remove from XXXX, XXXX  and XXXX  if you reported this account to them.

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 2021-04-19 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: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX Original Creditor : 01 XXXX XXXX XXXX ) XXXX ... SW CRDT SYS ( Original Creditor : 11 XXXX XXXX ) XXXX ... XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 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: United Revenue Corporation
State: TX

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX ... XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX ... UNITED REVENUE CORP ( Original Creditor : XXXX  XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I opened up a checking bank account with Bank of America online with one of there representatives doing it for me on the phone. In saying so I opened the account to cash my second stimulus check back on XXXX XXXX. Im saying so my account got fraud at no expense of my own but theres. Everything matched up and they even sent the check through and it cleared the same day before my account was shut down. I went to the bank the same day and talked to them and even opened a new account because the funds was suppose to be transferred to the new account the following day. That never happened And even sent a check out to me without my permission and without me knowing. I havent got that check because of that snow storm that hit XXXX, ok in XXXX. So now they are saying I have to wait 120 days to get my stimulus check in which they arent supposed to hold.Ive been calling them every since then and get a different answer every time anyway to sue them this is hurting me and my family. 700 $ they got of mine.

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 2021-04-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: IL

Complaint narrative:
Hunter Warfield, Loan Claim was disputed with XXXX Credit. I have never had, any verbal or written agreement with this firm for any loan. I have never had communications with anyone at this firm for a loan or received a loan from Hunter Warfield, who refused to removed this false claim from my credit report. 

Company : Hunter Warfield : Account Number : XXXX Loan Amount : {$27000.00} Hunter Warfield XXXX XXXX XXXX XXXX, FL 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 2021-04-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: KY

Complaint narrative:
I have been getting scammed by XXXX  This is through Navient who claim to work through the Department of Education, they have a contact number of XXXX. I have been believing I have been making payments for my student debit and have come to find out through XXXX that I have not made a single payment. I've have already contacted the bank and they are putting a stop to the payments, but I wanted to make you aware that Navient send out paperwork through the mail and had me fill out the IDR plan request that XXXX has and has a account number for me and everything that is not real. Navient sent me paperwork days before XXXX did and makung me believe they are the first steps before XXXX, which I have come to found out isn't true.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: PENTAGON FEDERAL CREDIT UNION
State: MA

Complaint narrative:
Several years ago, my identity was stolen and used to open up a credit card account with PenFed Credit Union. At the time, I was contacted by PenFed and I told them not to open the account, but they opened it anyway and allowed the fraud perpetrator to transfer a credit debt. PenFed has acknowledged that it was at fault. My problem is that despite numerous efforts to get PenFed to close the account, and assertions from PenFed that the account has been closed, I continue to get statements from PenFed regarding this account that has no money in it and that I never wanted in the first place. Most recently, I received a statement on or about XX/XX/2021.

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 2021-04-19 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: MD

Complaint narrative:
I have submitted proof from the bankruptcy court that they did not provide the information to the credit bureaus. I have submitted this information for 6 months and not getting any results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 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: MD

Complaint narrative:
I have submitted proof from the bankruptcy court that they did not provide the information to the credit bureaus. I have submitted this information for 6 months and not getting any 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
Consumer complaint received 2021-04-19 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: FL

Complaint narrative:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I just received an alert that there was a fraud alert placed on my credit report from Experian. 
I never asked for any fraud alerts be placed on my credit file. Please remove them. 
I'm not writing into Experian to ask that it be removed bc I never asked for it to be placed on there. I know how to do that myself. 
I'm not going out of my way getting envelopes and stamps to write or mail anything. Nobody told you to put them on there. 
Remove the fraud alerts please.

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 2021-04-19 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: IL

Complaint narrative:
I am filing this complaint due to lack of response from the credit bureaus, per the Fair Credit Reporting Act, if the bureaus do not respond in 30 days the accounts must be deleted. During these times of pandemic, taking the appropriate action is important and consumer like me should not its now been over 90 days and I have waited long enough.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: FORD MOTOR CREDIT CO.
State: MI

Complaint narrative:
In XX/XX/2016, I returned my leased Lincoln XXXX to the dealership at the end of my lease term. At that time, I provided the dealership my forwarding address as I had moved since signing the lease. I was told that my address would be communicated to the financing arm of Lincoln Automotive XXXX a subsidiary of Ford Motor Credit. ) I was not advised of any additional fees or costs owed by me at that time. 
Months passed and I received absolutely no correspondence from Lincoln/Ford. 
Much later, I became aware of a negative mark on my credit report due to a charged off account from Lincoln Automotive Financial. They had charged me, without notice, for excessive wear and tear and fees on my lease but had not sent any notice to the address I had provided. 
I would, of course, have paid these fees in a timely manner as I had always made my lease payments, if I had been notified and the added charges and fee breakdown been provided to me. 
I can only suspect that any written notification of fees was sent to a wrong address. 
I ultimately paid the outstanding fees but the very damaging mark remains on my credit report. 
This was a direct result of poor information management and communication on the part of Lincoln and I have repeatedly attempted to directly address this with the company. 
I request that the account be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-19 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nelnet, Inc.
State: SC

Complaint narrative:
I've had my student loan transferred from XXXX XXXX to First Mark Services. It was setup on autopay at XXXX and I saw the account disappear awhile ago on XXXX website. I've been receiving a ridiculous amount of email and paper mail from XXXX XXXX explaining that they're transferring student loans and to wait for FMS to pick up payments. I've not received a text, email or letter from FMS and it is not 2 days after my student loan typically auto deducts. I'm currently trying to call them, but A LITTLE COMMUNICATION WITHIN WEEKS should be expected. XXXX XXXX has confirmed that intentionally delaying the transfer/setting up auto payment would be financially beneficial for FMS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 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:
I am filing this complaint due to lack of response from the credit bureaus, per the Fair Credit Reporting Act, if the bureaus do not respond in 30 days the accounts must be deleted. During these times of pandemic, taking the appropriate action is important and consumer like me should not its now been over 90 days and I have waited long enough.

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