vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-12 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: NJ

Complaint narrative:
On XX/XX/2020 I contacted Equifax via mail to dispute inaccurate accounts on my report. On XXXX XXXX, 2020 Equifax received my dispute via USPS certified mail tracking, and I have not received any dispute results or investigation into this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 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: CBC Companies, Inc.
State: MS

Complaint narrative:
Have tried both numbers for Factual Data and they can not tell me whom these Hard inquiries are for that only I would know that info. I have asked around and they seem to be able to report this for just about anything at will. Asking they be removed now not 2 years from my account or proof of what these are for. 

FACTUAL DATA XXXX : XX/XX/XXXX XXXX XXXX ( XXXX ) XXXX Institution Information FACTUAL DATA XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- FACTUAL DATA Inquiry : XX/XX/XXXXCredit Union ( XXXX ) XXXX Institution Information FACTUAL DATA XXXX XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 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: MA

Complaint narrative:
XXXX XXXX I purchased online goods from XXXX. I returned the goods via XXXX XXXX XXXX and XXXX on XX/XX/XXXX. XXXX confirmed they received the returns and completely refunded PayPal XX/XX/XXXX. I did not get the PayPal refund so I disputed the billed amounts with PayPal and my credit card, XXXX 's of Delaware. Months later, I still have not received refunds despite sending PayPal and XXXX 's extensive proof including XXXX ' refund receipts dated XX/XX/XXXX complete with PayPal transaction numbers and original transaction data ( attached here ). However, what has happened is : PayPal repeatedly telling me via text and by phone that XXXX 's has the priority to handle the dispute. XXXX sending me a letter saying that PayPal is to handle the dispute. XXXX sending me a letter telling me they can not proceed with the dispute because the seller had a no return XXXX this is even though XXXX XXXX returns and they have confirmed the return and the refunds to me. The XXXX receipts I forwarded to PayPal and XXXX 's included PayPal refund transaction numbers XXXX and XXXX. PayPal has most recently told me ( supervisor XXXX # XXXX that those transaction numbers- even though it is on a refund receipt refer to the original purchase and not the refund. The supervisor XXXX told me to go back to XXXX who has repeatedly told me they refunded me on XX/XX/XXXX with the exact time as shown on the attached receipts ) If PayPal sees a refund receipt from a seller with only an original purchase transaction number why don't they become alarmed and support their customer/me and follow up with the seller to see where the refund might be/concerned about an error? As you all know, a credit card is ultimately charged for PayPal purchases. One has to wonder how many people do not notice they do not get their refund, or do not have the time and skills to follow-through with untangling this type of issue and horrific and confusing customer service. One has to wonder how many other people are having this happen when they pay for goods through PayPal, believing that their transaction and eventual return and any dispute happens safer and more seamlessly, compared to buying with simply their credit card. This inefficiency brings broad and large consumer hardship I am sure. It feels like complete irresponsibility and theft. While I have lots of proof, to avoid your being overwhelmed, I am including the most meaningful claim and complaint evidence. 1. Copies of the XXXX XXXX refund receipts including the PayPal transaction numbers for the receipts XXXX of many communications from PayPal saying XXXX is XXXX charge of the dispute XXXX. XXXX from XXXX 's saying PayPal is in charge of the dispute.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
My account is open, yet you report it as closed. You have stated, falsely, that it is Transunion, XXXX  and XXXX, who are to blame. You've told me that they only update my information every XXXX, XXXX, or 90 days, which is a lie. They've contacted you with disputes, which you responded to, with fraudulent information. You lied and said, yes, the account is closed.

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 2020-11-12 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: MI

Complaint narrative:
My account is open, yet you report it as closed. You have stated, falsely, that it is XXXX, Equifax, and XXXX, who are to blame. You've told me that they only update my information every XXXX, XXXX, or XXXX days, which is a lie. They've contacted you with disputes, which you responded to, with fraudulent information. You lied and said, yes, the account is closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
My account is open, yet you report it as closed. You have stated, falsely, that it is XXXX XXXX, and Experian, who are to blame. You've told me that they only update my information every XXXX, XXXX, or XXXX days, which is a lie. They've contacted you with disputes, which you responded to, with fraudulent information. You lied and said, yes, the account is closed.

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 2020-11-12 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: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I have been in the process of closing my lease buyout with XXXX XXXX. I have paid all my lease payments on time, including the final check payment of {$10000.00} for the lease buyout. I received confirmation by phone that the check was received. They called asking for documentation about the lien agreement, and I submitted it to them on the Support Center. It has been weeks and they have not closed my account. It is showing I am {$500.00} past due on my account, which is incorrect because my lease ended on XX/XX/29 and they still show I need to pay. I have called at least XXXX times to have this resolved and my account is still open. As a result, they have put derogatory marks no my XXXX XXXX which has made me lost almost XXXX points! I do not know what to do about this and am pretty upset because it has affected my XXXX XXXX that I have worked so hard to keep above XXXX. They said they would close my account and request the derogatory marks be taken off but it has yet to happen!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am applying for a air conditioning company and I was not able to get in because of a criminal record I had 11 years ago I believe it was supposed to be off my record by now? I would really like to get into this company

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 2020-11-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: NJ

Complaint narrative:
I currently pay every week due to budgetary restrictions. When the payment is processed it get applied to the principal and not the monthly payment. Each month I have to contact the company to correctly apply my payment. It appears that the payments are not posted to the actual payment date. It appears as though the payments are applied to the payment due date. By doing this the interest is not reduced at a faster rate and making me eligible for an early payoff.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
The creditor both failed to make any appropriate corrections to the account of the obligor as requited by 15 U.S.C. 1666 ( a ) ( 3 ) ( B ) ( i ) and failed to conduct a reasonable investigation of the billing error, within XXXX complete billing cycles of the consumer after receipt of the billing error notice reported XX/XX/20, as required by 15 U.S.C.

1666 ( a ) ( 3 ) ( B ) ( ii ).

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 2020-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: National Credit Adjusters, LLC
State: KY

Complaint narrative:
I received the below email but I have no idea who this company is nor who the company is I am supposed to owe this money to. I checked my credit report to see if anything had been turned in against me by them or anyone else for this amount and there is nothing there. Due to them having my personal information, I contacted my bank to let them know what was going on so my account would not be compromised. There was no number to call and no representative 's name in the email. I have deleted my personal information that was in the email. They had my correct information. 


NATIONAL CREDIT ADJUST XXXX XX/XX/2020, XXXX XXXX ( 23 hours ago ) to me Dear : We have given you every chance to resolve this matter outside the court house but you are not willing to resolve this matter. We will mark as a flat refusal on your account and take immediate action against you, we have repeatedly advised you of your long overdue balance in the amount of {$1200.00}. Since you have not made payment, we have turned your account over to our attorneys and instructed them to commence suit without further delay. There is still time, however, to avoid suit if you pay settlement amount today. This will be your final opportunity to resolve matters without the expense of court proceedings. 



At this time your case file has been marked as a primary suspect, so at this time if I send you something in a writing its defamation of character, as well as it was mentioned in the contract paper between you and the company that if a person is failing to repay loan in a stipulated time period, then the company is not able to send you any kind of written documentation, FDCPA rules and regulation under the section us law [ 15 USC 1692c ] 805 ( b ) you need to check it out or you can also ask for any federal attorney. 



3 Hard allegations have been pressed against your name and your all information. 



1. Violation of Federal Banking Regulation. 

2. Collateral Check Fraud. 

3. Theft by Deception. 



Financial and personal contact information are current per our skip trace. 

Personal information regarding this account obtained with a recent skip trace : Debtor : SSN : Drivers License : Bank name : Account number : Routing number : We are prepared to proceed with legal action. However, our company would prefer to give you one last opportunity to make payment and avoid legal action. 





If you take care of this out of court then we will release the clearance certificate and we will make sure that no one will contact you in future. 



Please let us know what your intention is by today itself so we can hold the case or else we will meet you in court house. 



Reply me back immediately with your final answer so we can be in a position whether to put hold on your case file or to proceed it inside the courthouse, Thank you, Sincerely, NATIONAL CREDIT ADJUSTER,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 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: MO

Complaint narrative:
On XX/XX/2020, I worked out an arrangement with Convergent Outsourcing to settle a XXXX account that originally belonged to XXXX. The agreement was that if I paid XXXX XXXX would cease all collection efforts on the account. I did pay the agreed upon amount and Convergent returned the remaining amount to XXXX, assuring me that all collection efforts would cease. After a couple weeks I noticed that XXXX had shown that the account had a XXXX balance, but was still listed as a collection account. I disputed this with XXXX and I got the attached dispute response when they show that was no longer listed as a collection account, but indicated that the account would remain on my credit for XXXX years. 

Yesterday, after paying XXXX  {$29.00} I looked at my credit report and discovered that they had in fact not removed the account from the Collections section of the report. I contacted XXXX XXXX whom I have an account with, and asked what could be done to get the information corrected, as the credit bureau was still showing the account as a collection item and that was not what I had agreed to. That conversation is also enclosed and shows that they have also tried to get the information straightened out. I spoke to Convergent, and they told me that they reported it as a closed account, but they could not guarantee how the credit bureau reported it. I also attached a copy of the letter of agreement from Convergent.

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 2020-11-12 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I called in in XX/XX/2020 requesting Equifax to remove these fraudulent inquiries from my credit report I uploaded my documents such as police report and driver license and social security card to have these items removed ..., however creditors are still posting inquiries to my report without my authorization. Equifax stated if XXXX will fax these documents they will be remove.. I faxed these documents to the number they provided which XXXX and the inquires are still showing up on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 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: Bread Financial Holdings, Inc.
State: LA

Complaint narrative:
Victoria Secrete ( Comenity Bank ) is reporting inaccurate late payment on my credit report that varies from bureau to bureau. This is incorrect as my payment was not late. I made a payment on the phone with a representative in which numbers were transposed and the payment returned back unpaid in XXXX. After noticing it never attempted my account I called to question what was going on. At that point the rep apologized and I resubmitted a payment and monitored my account to make sure it cleared. The very next month, Victoria 's Secrete closed my account. When I tried to call and dispute the late payment status with Victorias Secrete, it automatically disconnect the call with a recorded statement that says, " our records show that your account has a XXXX balance. If you are calling to reopen your request can not be completed. THEN A BUSY SIGNAL. I finally was able to log into my account and open up a chat and was told to mail a letter about the dispute. I have mailed letters on 3 different occasions. On Monday XX/XX/2020, I spoke with a rep from Victorias Secret who again said she was unable to help me and I needed to mail yet another letter. To not be able to work the dispute out with the company and for Victoria Secrete to randomly select months to show a late payment that varies from bureau to bureau is terrible customer service and against the law ( SEE CREDIT REPORT ATTACHED TO VALIDATE THE DIFFERENCES )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: COLLECTION PROFESSIONALS INC (Illinois)
State: IL

Complaint narrative:
I called Collections Professional to find out more information on and to pay an old medical. I asked for more information and asked about settlement payment plans. The reps tone instantly changed and she became combative. This increased with every question i asked. 
She said i had to hold for a supervisor. 
XXXX would not give me his last name. I stated i needed to verify to whom i was speaking. He responded " I don't play games with " you people ''. 
Im not sure what you people means but i feel like hes presuposing some kind of bias. 
Turns out XXXX owns the place or claims he does. When i called him again he wouldnt say the name of the buissness. I called another number for the XXXX IL office and again XXXX answered with a hello i stead of identiting his business. It all just seems very surreptitious.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
THIS IS NOT A DUPLICATE COMPLAINT. I am submitting information to prove I met the terms of opening an account with a promotion. I received a response letter stating that I did not keep an average balance of XXXX  . However, you calculated that average from account opening, even though the terms state I had 10 days to deposit the amount and FROM THAT DAY, maintain a XXXX balance. I am attaching my savings account statements that show starting on the day of the XXXX deposit, that money was left in the account for the correct amount of time. Thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-12 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: GA

Complaint narrative:
On XX/XX/2017 XXXX XXXX XXXX added a derogatory mark on my credit report per Experian. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA, XXXX XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.

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 2020-11-12 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
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: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
Good afternoon, In regards to my HELOC account with TD bank. 

XX/XX/2020- I had received email confirmation after applying for the forbearance. 

XX/XX/2020- shocked to see a late payment so called and made {$410.00} payment and representative said that the application should be approved before next payment. She said there is heavy volume and sorry for the mix up on their part. XXXX did not receive any late charge therefore indicating like representative said that the mortgage forbearance has been applied. 

A Monday in XXXX spoke with XXXX once I discovered my credit was destroyed. 

XX/XX/2020- spoke with XXXX XX/XX/2020- emailed XXXX and no response XX/XX/2020- submitted by mail TD bank 's Consumer Credit Report Dispute Form. 

XX/XX/2020- spoke with representative XX/XX/2020- spoke with XXXX TD representative had me under the assumption that my online application was approved from XX/XX/XXXX. Unfortunately, I discovered in XXXX around 100 point credit score drop. XXXX has resubmitted the back date request again ( XX/XX/11 was told denied because they said there was no evidence of me requesting the forbearance ), after XXXX did that in early XXXX. I have an email to prove it and a call that was made on XX/XX/XXXX talking about why did I have a late charge when I had applied for the forbearance. 

Respectfully

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
XX/XX/2020 I challenged some accounts that were showing on my credit report. Upon doing so Portfolio Recovery associates, LLC replied to me with a " Verified '' Letter showing a statement. I requested validation and verification via a reply and they went and sent me the same letter and information again which will be attached to the complain. I have not had any success getting accurate information. They also keep calling which I stop answering. Its getting annoying at this point. I'd like to see if you can help.

Company response to consumer: Closed with explanation