vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Terrill Outsourcing Group
State: WY

Complaint narrative:
Our phone number keeps getting calls from Superlative RM, a debt collector company. The last date was XX/XX/XXXX at XXXX XXXX. We do not know which of us they are calling for because they never leave a name in the message. The truth is, we do not know why they keep calling because we declared Bankruptcy in XXXX XXXX and have had no debts since the Bankruptcy. We will not answer the phone to them because we do not owe any money to any person nor to any company. They do not always leave a message, but when they do, they ask that we call them concerning a debt, but we have no debt. We are tired of getting these harassing calls when we do not owe any money to anyone. We also know that there are many scammers that call people, so again, we will not answer the phone. The phone number on our phone I.D . that they call from is : XXXX but the number they leave on the message to return their phone call is : XXXX.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 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: CA

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I provide service from the United States, my store 's shipping times are exceptional at 3-5 days, and I had 0 outstanding disputes or complaints. 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 affecting 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 2021-04-27 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: MI

Complaint narrative:
XXXX XXXX ASKED XXXX TO DELETE REPORTING FROM 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 2021-04-27 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: MIDFIRST BANK
State: UT

Complaint narrative:
XX/XX/2020 I tried to pay my mortgage late. It was denied and XXXX XXXX XXXX  put me in the COVID CARE ACT refusing to accept XXXX/XXXX  payments, marked late on my credit reports, sold the loan to Midland Mortgage as a refinance raising my monthly mortgage payments, sold to HUD with a Partial Deed of Trust. I have had my credit repair company work with me in sending XXXX XXXX XXXX monthly letters for six months with NO reply or repair on my credit reports. When my home went into contract to sell the property in XXXX the Partial Deed of Trust showed up on the title records to the property with payment to be made in full to the Deed Claim. The refused payments were made to Midland Morgage in XX/XX/2020 along with the XXXX payment to bring the mortgage current. Midland also made several attempts to understand the split of the loan and could not get communication from XXXX. I have mailed letters to the Secretary of State, XXXX XXXX XXXX, and CFPB by certified mail and am still waiting for a report on financial facts proving my statement as NOT owing the Partial Deed of Trust. I am nor was in Bankruptcy. I am nor was in Short Sale. I am nor was in Foreclosure. WHAT I AM is XXXX with cash to buy my next property and can not get a loan due to the false reporting of XXXX XXXX loans on my credit reports!

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 2021-04-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I disputed my XXXX credit card account with Transunion and directly with XXXX XXXX. Transunion is stating that this account has been verified with the company but XXXX XXXX is saying that they are reporting accurate information to Transunion and if I have any issues to contact Transunion. This account with XXXX account # XXXX was opened on XX/XX/2014 and was paid in full. This account was never included in a bankruptcy. Furthermore I have asked Transunion to provide me with verifiable information of what the furnisher ( XXXX XXXX ) sent to them as evidence that the information is correct and a description of the investigation procedures used to verify my account. Transunion has not provided me with that information and all XXXX XXXX provided me with is the attached letter which is vague and putting the onus on Transuion. As per Section 609, I am entitled to see the source of the information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 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: NJ

Complaint narrative:
Hello this is the final time im going to contact you guys to investigate this matter for me. ITS BEEN ALMOST A YEAR and these credit bureaus are NOT DOING THEIR JOB. Attached I am showing you a screenshot of my credit report showing all the violations these companies are violating. THEY ARE IN VIOLATION OF MAJORITY OF FCRA LAWS. They have also been reporting inaccurate information along with never sending me ANY documents to confirm this alleged debt THAT IS NOT MINE. 

They are in violation of FCRA the reporting of this account violates USC 15 1681 2C. IM SICK OF THIS REPORTING I AM LOOKING TO BUY A HOUSE AND MY MORTGAGE COMPANY TOLD ME TO CONTACT THESE PEOPLE TO EXPLAIN WHERE THIS CAME FROM AND NO ONE HAS GOTTEN BACK TO ME IM ANNOYED AT THIS POINT. DELETE THIS ACCOUNT ITS NOT MINE AND DOES NOT BELONG TO ME REMOVE IT. 

XXXX XXXX ACCOUNT NUMBER XXXX DELETE THIS

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 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: WI

Complaint narrative:
TransUnion didn't respond to any of my letters i sent out to them on XX/XX/XXXX and XX/XX/XXXX and { XX/XX/XXXX for this letter on the letter it state XX/XX/XXXX } but its was mail on the XXXX and XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX all my correspondence with XXXX was through certified mail

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 2021-04-28 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charges. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Hello I have been contacting this company XXXX XXXX AND TransUnion for the past 7 months about this account on my credit report. 7 months and NOONE has gotten back to me. The reporting of those accounts violates USC 15 1681 b ( g ) 3. Medical information being released is violating my consumer rights. Please investigate this and remove it from my credit report asap im tired of waiting on responses in the mail that NEVER COME. The accounts are as follows below. They violated MULTIPLE laws thats I can sue for and I have the proof. 

XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : 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 2021-04-28 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: TN

Complaint narrative:
Hello I have been contacting this company XXXX EXPERIAN AND XXXX for the past 7 months about this account on my credit report. 7 months and NOONE has gotten back to me. The reporting of those accounts violates USC 15 1681 b ( g ) 3. Medical information being released is violating my consumer rights. Please investigate this and remove it from my credit report asap im tired of waiting on responses in the mail that NEVER COME. The accounts are as follows below. They violated MULTIPLE laws thats I can sue for and I have the proof. 

XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : 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 2021-04-28 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: Convergent Resources, Inc.
State: NY

Complaint narrative:
XXXX said several times its impossible for pre paid phone to go into collections, I paid in full have recordings and app Im in great standing w XXXX and they said that these collections agencies are fake they looked up first one, not real and as to triple check things on my end they ran my Ss # to make sure no other things out standing w 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 2021-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Ive been disputing this from the time it was reported. Its a result of identity theft using my information. I didnt open this account or have knowledge who opened it but the original creditor bank acknowledged its not me who opened it thats why XXXX and XXXX removed it from my credit report long time ago. Only XXXX is saying this account is accurate every time I dispute it but do not provide information on how they conduct the investigation if they even did an investigation. Its not fair to be pursued by collection agency trying hard to collect money that I didnt owe them and keeping my credit score down even though Im paying the legal credits I owe by the thousands of dollars to credit card companies that I opened myself. I have no carried balances on all of my credit cards because I pay all of them on time and in full. 

Midland Funding has no right at all to keep collecting money from me in a XXXX manner calling me day and night.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-28 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: NJ

Complaint narrative:
Hello this is the final time im going to contact you guys to investigate this matter for me. ITS BEEN ALMOST A YEAR and these credit bureaus are NOT DOING THEIR JOB. Attached I am showing you a screenshot of my credit report showing all the violations these companies are violating. THEY ARE IN VIOLATION OF MAJORITY OF FCRA LAWS. They have also been reporting inaccurate information along with never sending me ANY documents to confirm this alleged debt THAT IS NOT MINE. 

They are in violation of FCRA the reporting of this account violates USC 15 1681 2C. IM SICK OF THIS REPORTING I AM LOOKING TO BUY A HOUSE AND MY MORTGAGE COMPANY TOLD ME TO CONTACT THESE PEOPLE TO EXPLAIN WHERE THIS CAME FROM AND NO ONE HAS GOTTEN BACK TO ME IM ANNOYED AT THIS POINT. DELETE THIS ACCOUNT ITS NOT MINE AND DOES NOT BELONG TO ME REMOVE IT. 

XXXX XXXX ACCOUNT NUMBER XXXX DELETE 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 2021-04-28 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: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
Hello! 
My name is XXXX XXXX XX/XX/XXXX, I use my chase XXXX XXXX cardLast four numberXXXX bought a XXXX XXXX XXXXXXXX XXXX mobile phone from XXXX Total amount is {$1000.00} I received the item on XX/XX/XXXX, but I opened the box instead of the same item described, it was an XXXX mobile phone. So I contacted XXXX to request a return, and they sent me a return label. On XX/XX/XXXX, I would return the item, and the item was Delivered on XX/XX/XXXX. Then they told me that the returned item was incorrect, but I received the item It's incorrect, so it was returned. XXXX refused to refund me.I filed a dispute with chase bank. After waiting for a month, I was told that the merchant thought the transaction was correct and refused to give me a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Merchants' Credit Guide Company
State: IL

Complaint narrative:
Merchant credit Guide located at XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX. Phone XXXX is reporting a charge off on my credit report at XXXX Reporting agency in the amount of XXXX. The Original Creditor is XXXX XXXX XXXX. I filed 2 disputes with XXXX requesting the discharge be removed from my credit report as the bill was paid in full directly to XXXX XXXX XXXX, the Original Credit in the amount of XXXX. This information was disputed twice, dispute no. XXXX and dispute no XXXX with XXXX in which Merchant Credit Guide said the account was not paid XXXX and would not delete from my credit report. As a result, my closing date on my new home was postponed due to this outstanding XXXX listed on my credit report. I also contacted Merchant Credit directly reporting that I dont owe XXXX XXXX. Merchant credit guide is a third party collection company and could have called XXXX XXXX to confirm the account information which they did not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
The following account is not mine from Portfolio Associates LLC. I never signed an agreement with this company. I've asked the company to provide with documentation of any contract with my signature and also send me a license to collect this debt. They could not provide me with the information. I notice on the bottom of the letter it states " The communication is from a debt collector, but not an attempt to collect a debt '. The account number is XXXX, {$2100.00}, XXXX XXXX XXXX XXXX XXXX /Portfolio XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Dear Sir/Madam, I have been Citi card members for a long time. I do not agree the way they treated me and perhaps others too. When I called their customer service for lowering my credit limit or closing my account without notifying me - why they are planning to close they arbitrally closed my account for Thank You Preferred Car ending on last 4 digit of XXXX. 
There reason was I did not use for 18 months when I called but I had just used it on XX/XX/XXXX and charged {$670.00} which their statement shows. 
Today XX/XX/XXXX I called them they said it was already closed and they would not reactivate my account anXXXX XXXX XXXX XXXXe I have to reapply- which will cause a credit inquiry and thus lower more my credit score. 
On this card they had without notifying me they had decreased my credit limit from XXXX to XXXX and now closed it. 
They rely on the worst Credit Bureau XXXX  which consistently gives lowest score among all 3 bureaus. I am sure XXXX does that to many more customers data. We all know they had the worst data breach. 
They had lowered also my XXXX XXXX card credit limit from {$5700.00} to XXXX and now {$1300.00} XXXX They also closed my XXXX XXXX XXXX without giving my any advance notice. 
I have always paid my bills on time - yes I do have higher usage of credits but they have been closing or reducing my credit limit which negatively affects my score. 
They are quick to jump on customer and they do not inquire what is going on before - they seem to just rely on numbers.

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 2021-04-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Twice I have requested that Transunion remove the incorrect information that I still have a personal loan from my credit union. The first time they " verified their information is accurate '' but that is 100 % incorrect and easy to verify with the bank. I am glad to share a written statement by an employee of the credit union stating what I have said is correct, and what Transunion refuses to correct, is incorrect. Transunion also does not update when I pay off a credit card, significantly hurting my credit. Over 3 months have gone by and they have not updated my credit, showing my credit card is paid off. I have shared files as documentation that I what I am saying is correct. I have just refinanced my house and also am attempting to buy a car right now and their incompetence is costing me over 30 points on my FICO score. XXXX has no trouble keeping up, I believe Transunion should be removed from having responsibility with credit ratings.

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 2021-04-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AK

Complaint narrative:
Savings account opened in my name. Thankfully no transactions took place.Talked with bank fraud Dept. They closed account Immediately. Fraudulent account opened online. They had my mailing and ssn. 
Account was opened on XXXX XXXX. Received a statement today In the mail. 
The email the perp used was not mine. 
Bank Referred me to this site. 
Bank of America.

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 2021-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
The following account is not mine from XXXX XXXX XXXX I never signed an agreement with this company. I've ask the company to provide me with documents and any contract with my signature and also send me a license to collect this debt. They could not provide me with the information. I notice on the bottom of the letter it states '' The communication is from debt collector, but not an attempt to collect a debt '' Accounts Number XXXX {$1000.00}, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The XXXX XXXX card was close then re open once I paid it off XXXX dollars was the agreement. This was sent to my credit not paid. Then I purchase form they store again which the order was never delivered. Put in a claim in the give me credit. The company was called not just once to resolve this problem on the item not being delivered to the right apartment. Not it was reported lost ant they tried to tell me to call the company again and I have for two years since.

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