vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-05 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: Navient Solutions, LLC.
State: OH

Complaint narrative:
See previous complaint submitted to Navient. THIS IS NOT A DUPLICATE COMPLAINT. The company states " We have reviewed your account and confirmed that we reported your loans in the same manner from XX/XX/XXXX through XX/XX/XXXX, as deferred, based on your Economic Hardship Deferment request. '' This is FALSE. Again, as shown in screenshots of the attached document, Navient reported each month as " On Time '' then changed it, between XX/XX/XXXX and XX/XX/XXXX. Why? I am tired of the lies. The evidence is here. Do they think we are so stupid wouldn't notice? Either update the payment history or admit that they reported incorrect information to the credit bureaus 30 times ( 5 accounts x 6 months ). Please CFPB, do YOUR JOB and force Navient to acknowledge the evidence that shows the payment history was reported " On Time '' and then changed to " No Data ''. If you don't handle this properly, I will go to Ohio Attorney General 's office to contact your agency as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: IA

Complaint narrative:
PURCHASE A ITEM FROM A SELLER USING PAYPAL AND HAVE NOT RECEIVED IT HAVE FILE WITH PAYPAL TO GET MY MONEY BACK AND HAVE NO RESPONDS FROM THEM TO REFUND MY MONEY. YOU TRY TO CONTACT THEM ON THE PHONE AND GET TOLD TO GO TO THEIR WEBSITE TO DO THINGS AND WHEN YOU GO TOTHEIR WEBSITE TO RESPOND TO THE ACTIONS THEIR WEBSITE TELLS YOU THEIR IS A PROBLEM ON THEIR AND YOUR RESPONDS IS NOT TAKEN.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-05 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: CITIBANK, N.A.
State: RI

Complaint narrative:
I made charges to a repair shop on my citi bank card for {$8500.00} in total to repair 2 leaks on my XXXX. The repair shop returned the machine with the same 2 leaks and damaged other parts. I disputed the charges, sent emails, images, and other info to citi bank but they did not reverse the charge. Citibank always seems to take the side of the vendor.

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 2020-10-05 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
My wife and I bought a house in XXXX. The address is : XXXX XXXX XXXX XXXX, WV XXXX The previous homeowners had a home equity line of credit on the home that was paid off from their proceeds. The previous homeowners names are XXXX XXXX XXXX and XXXX XXXX. The Chase home equity line of credit account number is : XXXX. 
After closing in XXXX, JP Morgan Chase failed to issue a lien release on our property from the previous homeowners despite the loan being paid off at closing. We were in the process of trying to sell the property on XX/XX/XXXX and then this lien issue arose. I have called about a dozen times and emailed XXXX as instructed by representatives at Chase. 
I finally got an email response from Chase saying that I need to provide all loan and title documentation as well as FULL Copy of Recorded Mortgage with any related Recorded Assignments. 
The issue here is that it IS NOT MY LOAN! 
I was able to get the XXXX County WV clerks office to reluctantly give me the loan number recorded on the previous homeowners deed so that I could try to resolve this with Chase after one of their representatives said that the account number was all that I needed to resolve this. 
Following representatives, including a manager, said because my name was not on the now closed loan there was nothing they could do to help in the situation despite me owning the property that they failed to issue a lien release on. 
I have done everything that I was asked to do by Chase and the lien release research department failed to even read my emails to them because if they had they would know that I dont have access to the information that they asked me for.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 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: EQUIFAX, INC.
State: MS

Complaint narrative:
I have contacted XXXX, Equifax as well as XXXX  with written notices notifying them of various inaccuracies they are reporting on my credit report. The first letter was sent out XX/XX/2020. The second report was sent XX/XX/XXXX. The third dispute XX/XX/2020 and the last dispute was recently sent. Each dispute, I mentioned how each bureau is reporting different information for the XXXX account. From the type of account it is, to the dates reported, even the payment amount. However, each report comes back as verified. When Ive asked for documentation that deemed the account accurate, I havent received any.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 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: MS

Complaint narrative:
I have contacted XXXX, XXXX  as well as Experian with written notices notifying them of various inaccuracies they are reporting on my credit report. The first letter was sent out XX/XX/2020. The second report was sent XX/XX/2020. The third dispute XX/XX/2020 and the last dispute was recently sent. Each dispute, I mentioned how each bureau is reporting different information for the XXXX account. From the type of account it is, to the dates reported, even the payment amount. However, each report comes back as verified. When Ive asked for documentation that deemed the account accurate, I havent received any.

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 2020-10-05 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Santander Consumer USA Holdings Inc.
State: LA

Complaint narrative:
I continue to have issues with resolving a paid and settled account with Santander Consumer USA. I co-signed for my daughter in XXXX, XXXX. The car was financed at an astromical amount and she could not afford the monthly payments and voluntarily surrendered the car back to the XXXX dealership, resulting in a " Voluntary Reposession ''. As a result, the negative reporting was placed on my and my daughter 's credit reports. The account was bought by a Third Party Collection agency named : XXXX XXXX XXXX XXXX XXXX In XX/XX/XXXX, I contacted the collection agency and asked for a settlement. They agreed and I went to XXXX XXXX XXXX XXXX ( formerly XXXX XXXX XXXX XXXX, as shown on check made payable to the collection agency ), and I borrowed {$2000.00} to send in the settlement payment. The bank issued a certified check made payable to XXXX XXXX XXXX XXXX ( who collected debt on behalf of creditor, Santander ). I received a copy of the cashier 's check for my records. I then sent a copy of the settlement agreement and check to XXXX  to dispute the negative reporting and have the debt removed/updated on my credit report. This was in XX/XX/XXXX. I received a report from XXXX  dated XX/XX/XXXX, which showed the debt " Paid. Closed. {$9400.00} written off. '' I saved a copy for my records and will provide as supporting documentation. The debt was updated on my credit report in XXXX. 

The reporting for Santander has now returned again on my credit report and shows that I owe a balance and shows it as late payments. However, nearly 4 years ago, it was already updated and removed from my credit. I called XXXX XXXX, XXXX and they indicated the debt was paid and that they were not reporting this debt, but Santander was. I called Santander 's office and they indicated they are not reporting this debt on my credit report as it was " settled ''. I then tried to dispute it online from my credit reporting site, and I was unable to dispute. 

This is why I am now reaching out to CFPB because I have made several attempts and this is ruining my credit status and has been reported negatively on my credit as well as my daughter 's credit, and this has been paid and settled in XXXX. 

I need your help in getting the proper reporting and removing a debt that was opened in XXXX, XXXX, which is greater than 7 years ago and was settled/paid in XXXX and clearly shows such on the XXXX   documents received. This should not be on my credit report as it is old, but more importantly it has been paid and settled. 

Today when I viewed my credit reports, it shows tht Santander reported the car as Voluntarily Reposessed and a balance owed as of XXXX, XXXX. This is totally incorrect and inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2500.00}, {$4500.00}, {$2300.00}, {$4200.00}, {$4600.00}, {$10000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2500.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4500.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account. 

4. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4200.00} -This is not my account. 

5. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4600.00} -This is not my account. 


-- COLLECTION ACCOUNT 6. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account.

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 2020-10-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Brown’s New Credit Bureau Inc.
State: AZ

Complaint narrative:
I noticed this account was listed as a collection on my credit report as ( Browns collection services ) with a phone number of XXXX I had no idea what it was for so I requested a Validation of debt to them and received a response on XX/XX/2020 with a letter stating this was a copy of a bill from XXXX with a copy of my medical treatment information which stated what medical procedures where done and the cost also a copy of the office policy but never did they send me a Release form to share all this medical information with the collection agency This is a violation of my rights The HIPAA law protects patient privacy and that includes third party debt collectors accessing your information. They also never send me a notice of my right to dispute the debt and on the statement send to me the balance is  {$250.00} but they are reporting a debt of {$420.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 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: TX

Complaint narrative:
Dear, cfpb I have XXXX phone app, and XXXX XXXX Credit activity monitors on my phone both pretty accurate in updates XXXX 3.0 they notify of any changes in credit scoring on both Transunion, and XXXX. The problem has been a car loan I am joint account holder on. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX XXXX XXXX. 
ACCT XXXX. WHILE THE ACCOUNT WAS SET UP ON A PAYMENT PLAN and agreed to XXXX  the CREDIT BUREAUS WERE STILL reported to while payment were taken by a creditor who claims to act as a Debt Collector who has been in trouble with the Federal Trade Commission ( Refer to Publication by F.T.C XX/XX/XXXX ) this company is still practicing in the same unfair credit reporting ways to  the CRA 's. I'm not sure why the unfairness in scoring between me and my wife with Transunion and XXXX, XXXX. 
Numerous Harassing Calls at work after telling them I could not have debt collection calls in front of my co-workers and also explained I was in an explosive Chemical plant on a cell phone. They continued to call me. 
It's a Joint account but not on the Credit Report Fairness with the CRA 's I'm not the driver of the vehicle my wife is. 
My score drops 78 this month and 101 points last month because of late payment made by my wife whereas her score drop 20 to 30 points on XXXX   because of XXXX. When i spoke with XXXX XXXX while at home and asked why they told me it was because of other things I may have had on my report and I could get anywhere with them or Transunion. Why I'm I not being treated with fairness in this.

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 2020-10-05 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: TX

Complaint narrative:
Dear, cfpb I have XXXX phone app, and XXXX XXXX Credit activity monitors on my phone both pretty accurate in updates XXXX  XXXX they notify of any changes in credit scoring on both XXXX, and Equifax. The problem has been a car loan I am joint account holder on. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX XXXX XXXX. 
ACCT XXXX. WHILE THE ACCOUNT WAS SET UP ON A PAYMENT PLAN and agreed to XXXX the CREDIT BUREAUS WERE STILL reported to while payment were taken by a creditor who claims to act as a Debt Collector who has been in trouble with the Federal Trade Commission ( Refer to Publication by F.T.C XX/XX/2014 XXXX this company is still practicing in the same unfair credit reporting ways to the CRA 's. I'm not sure why the unfairness in scoring between me and my wife with XXXX  and Equifax, XXXX. 
Numerous Harassing Calls at work after telling them I could not have debt collection calls in front of my co-workers and also explained I was in an XXXX  XXXX XXXX  on a cell phone. They continued to call me. 
It's a Joint account but not on the Credit Report Fairness with the CRA 's I'm not the driver of the vehicle my wife is. 
My score drops 78 this month and 101 points last month because of late payment made by my wife whereas her score drop 20 to 30 points on XXXX  because of XXXX.. When i spoke with XXXX XXXX while at home and asked why they told me it was because of other things I may have had on my report and I could get anywhere with them or XXXX. Why I'm I not being treated with fairness in this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 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: TX

Complaint narrative:
Dear, cfpb I have XXXX phone app, and XXXX XXXX Credit activity monitors on my phone both pretty accurate in updates XXXX  XXXX they notify of any changes in credit scoring on both XXXX, and XXXX. The problem has been a car loan I am joint account holder on. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX XXXX XXXX. 
ACCT XXXX. WHILE THE ACCOUNT WAS SET UP ON A PAYMENT PLAN and agreed to XXXX the CREDIT BUREAUS WERE STILL reported to while payment were taken by a creditor who claims to act as a Debt Collector who has been in trouble with the Federal Trade Commission ( Refer to Publication by F.T.C XX/XX/2014 ) this company is still practicing in the same unfair credit reporting ways to the CRA 's. I'm not sure why the unfairness in scoring between me and my wife with XXXX  and XXXX, Experian. 
Numerous Harassing Calls at work after telling them I could not have debt collection calls in front of my co-workers and also explained I was in an XXXX  XXXX XXXX  on a cell phone. They continued to call me. 
It's a Joint account but not on the Credit Report Fairness with the CRA 's I'm not the driver of the vehicle my wife is. 
My score drops 78 this month and 101 points last month because of late payment made by my wife whereas her score drop 20 to 30 points on Experian because of XXXX.. When i spoke with XXXX XXXX while at home and asked why they told me it was because of other things I may have had on my report and I could get anywhere with them or XXXX. Why I'm I not being treated with fairness in this.

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 2020-10-05 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
IT IS UNFAIR THAT YOU ARE REPORTING ACCOUNTS ON MY CREDIT REPORT THAT DOES NOT BELONG. IVE BEEN DISPUTING THESE ACCOUNTS SINCE XXXX, THIS IS MY 3RD ATTEMPT TRYING TO FIX THIS ERROR. THESE NEGATIVE ACCOUNTS ARE HINDERING ME FROM MOVING FORWARD IN LIFE.

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 2020-10-05 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Paramount Recovery Systems, L.P.
State: VT

Complaint narrative:
I have tried to dispute this debt three times on XXXX. I have gotten it removed from XXXX  and I am working on getting removed from XXXX. This debt popped up on my credit report in XXXX of XXXX for the first time. It is from XX/XX/XXXX and they keep reporting it as being from XX/XX/XXXX and it damages my credit preventing me from getting a mortgage. 
From what I understand this fits the definition of re-aging. A debt collection company buys an old debt and then puts it as a new account hoping I will pay it off. This debt is from XX/XX/XXXX and I am going to wait for it to fall off of my record. It is not fair that they can do this and despite me disputing it three times, it stays on there without being fixed. 
All I want is for the debt to be reported accurately. I don't even care if it is removed or not, just put that it is from XX/XX/XXXX and not XX/XX/XXXX. I never made any sort of payment on it or anything so they cant say that restarted the time either. I've never even been notified of this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2500.00}, {$4500.00}, {$2300.00}, {$4200.00}, {$4600.00}, {$10000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2500.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4500.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account. 

4. XXXX XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4200.00} -This is not my account. 

5. XXXX XXXX  with ACCT # XXXX opened onXX/XX/XXXX with a balance of {$4600.00} -This is not my account. 


-- COLLECTION ACCOUNT 6. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account.

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