vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Ive sent letters with identification such as social security and if. Informing equifax that I want a copy of my credit report. Still equifax has neglected to provide me with the copy. I even reached out to you guys confirmation # XXXX equifax lied stating that an unauthorized person was trying to access my account this is appalling and untrue and I will be escalating my complaint against this agency. Im once again requesting that equifax send a copy of my report per my authorization. Ive attached copies of identification as well

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Statebridge Company
State: SC

Complaint narrative:
Since approximately XXXX XX/XX/2021 I have received a nightly Robocall at my home phone, XXXX, from Statebridge Company asking me to contact them immediately at XXXX. I called recently and discovered that this is StateBridge Company, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CO XXXX. After waiting 40 minutes I was connected to a very unprofessional, rude representative. I explained that they were calling every night. He advised that my home phone number was listed in connection to an overdue debt. I explained that it was not me, we are debt free. He repeated that my number was given to them. He would not give me a name but the address he provided for the debt is not mine. I asked him to stop the calls, he advised me to block the calls. I have also tried emailing the company with no success. Pls help, we want the nightly calls to stop. We do not have any debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Aspen Yo LLC
State: NJ

Complaint narrative:
My mortgage was sold to Gregory Funding. They were fine the first 9 months and as of XX/XX/XXXX they stopped paying my property taxes. There is more than enough money in the escrow account. I am getting notices from my township about the property taxes not getting paid. As of XX/XX/XXXX, they did not pay the next quarter of taxes either. They are behind by two quarters. The money is in my escrow account. I have over $ XXXX in the escrow account and they owe the township of XXXX $ XXXX. I have attached a copy of my latest mortgage statement along with the letter from my township tax collector. I have called the mortgage company over 7 times in the last 4 months and they literally tell me a check is going out the next day and it never does. I have also written to them 3 times and they have not responded back at all. This fraud. They have my money and they are not paying the taxes. I am worried the township will put my house up for tax sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: FL

Complaint narrative:
Enhanced Recovery is showing a debt from an XXXX XXXX XXXX account from XX/XX/2020 that does not belong to me. My cell service is. through XXXX and I have had the service for approximately 3 years. My cell phone number with XXXX is XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: AZ

Complaint narrative:
Loancare was servicing the loan for my property. I refinanced the home back on XX/XX/XXXX of 2020. Loancare was required to refund my escrowed funds of {$960.00} within 30 days. It has now been 3 months since my loan with Loancare was paid off and I still have not received the refund. I have sent a request/complaint through my online Loancare account message system on 5 occasions starting back in XXXX. I have attempted to call them on at least 5 different occasions as well, however, their phone system requires you to enter an account number. When I enter the account number I am not presented with any options that allow you to speak with a representative. I am unable to get them to respond via their message system or phone.

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 2021-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I have XXXX on my PayPal account, they closed my accoumt with no reason, and told me that I need tk wait 180 days to withdraw funds. Its about 1 year ago they told me that. 
My paypal linked to this adress XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 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: VA

Complaint narrative:
Good day, I recently checked my credit report and I noticed several inaccurate items. I did my research on how the government/credit bureaus suggest I file my dispute. After going through the necessary steps I filed the dispute on XX/XX/XXXX and to this date XX/XX/XXXX I have not heard anything back from each bureau. I made them aware I just found out my information was compromised in the XX/XX/XXXXdata breach. At this point Im afraid my information may have fallen into the wrong hands without my knowledge.

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 2021-02-24 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: GA

Complaint narrative:
My account with pay pal was closed for 180 days for no reason on XX/XX/2020 and I have tried multiple times to contact them but nobody offers any help at all they keep giving you the run around and there are never any live chat members and nobody answers the phone or emails. So I was patient and it had been over 180 days and I have still not gotten an email to release my funds. Pay pal is such a bad service and I would like to receive an email immediately because I worked hard for my money. The email link connected to my pay pal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 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: TX

Complaint narrative:
XXXX XXXX continues to report to Equifax ;XX/XX/XXXX and XX/XX/XXXXthat I have an open account with XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account does NOT belong to me. I have filed a Fraud Affidavit with regards to this account. I have contacted XXXX XXXX as well as sent letters to the credit bureaus disputing the validity of this account and have requested multiple times that this account be removed from my credit report. ( I have attached a copy of the Fraud Affidavit for reference. ) It is a violation of the Fair Credit Reporting Act to not report accurate information on my credit report. I have contacted the bureaus to fix this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 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: NJ

Complaint narrative:
Dear Sir/ Madam, Between the years of XXXX & XXXX, I filled over 14 complaints against Experian Credit reporting agency . 
Experian obtained it's consumer information from a third party vendor XXXX XXXX XXXX XXXX. 

According to the FCRA LAW, public information shouldn't be furnished from a third party vendor, it has to be from the direct contact of source, which in my case from the Bankruptcy Court, Experian had not done so, yet insisted on creating lies and fraud of information. 
This is a complaint number that was closed XXXX XXXX ) indicated all the correct information about Experian scam of information. 
I personally have contacted the Bankruptcy court of XXXX New Jersey to find out if the court has any affiliation with Experian or any agency to furnish public information, I was told that the court does not have any affiliation of any credit agency what so ever, I proved that to the CFPB and to Experian by a direct letter/document from the BK court. 

XXXX XXXX was contacted by me, The removed the public information from their records, they proved that Experian credit agency purchased my public record fromXX/XX/XXXX( a Third part vendor ) and furnised it claiming that they obtained it directly from the BK court, which was a big scam and a big Lie. Experian still continues to violate the FCRA and must be stopped. 

I am contacting the CFPB to enforce Experian to remove the public information from my credit report ASAP 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 2021-02-24 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: TX

Complaint narrative:
XXXX XXXX continues to report to XX/XX/XXXX and Transunion that I have an open account with XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account does NOT belong to me. I have filed a Fraud Affidavit with regards to this account. I have contacted XXXX XXXX as well as sent letters to the credit bureaus disputing the validity of this account and have requested multiple times that this account be removed from my credit report. ( I have attached a copy of the Fraud Affidavit for reference. ) It is a violation of the Fair Credit Reporting Act to not report accurate information on my credit report. I have contacted the bureaus to fix this however, I have not been successful.

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 2021-02-24 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: TX

Complaint narrative:
XXXX XXXX continues to report to XX/XX/XXXX Experian and XX/XX/XXXX that I have an open account with XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account does NOT belong to me. I have filed a Fraud Affidavit with regards to this account. I have contacted XXXX XXXX as well as sent letters to the credit bureaus disputing the validity of this account and have requested multiple times that this account be removed from my credit report. ( I have attached a copy of the Fraud Affidavit for reference. ) It is a violation of the Fair Credit Reporting Act to not report accurate information on my credit report. I have contacted the bureaus to fix this however, I have not been successful.

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 2021-02-24 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: VA

Complaint narrative:
Good day, I recently checked my credit report and I noticed several inaccurate items. I did my research on how the government/credit bureaus suggest I file my dispute. After going through the necessary steps I filed the dispute on XX/XX/XXXX and to this date XX/XX/XXXX I have not heard anything back from each bureau. I made them aware I just found out my information was compromised in the Equifax data breach. At this point Im afraid my information may have fallen into the wrong hands without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 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: TX

Complaint narrative:
XXXX XXXX continues to report to XX/XX/XXXXand Transunion that I have an open account with XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account does NOT belong to me. I have filed a Fraud Affidavit with regards to this account. I have contacted XXXX XXXX as well as sent letters to the credit bureaus disputing the validity of this account and have requested multiple times that this account be removed from my credit report. ( I have attached a copy of the Fraud Affidavit for reference. ) It is a violation of the Fair Credit Reporting Act to not report accurate information on my credit report. I have contacted the bureaus to fix this however, I have not been successful.

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 2021-02-24 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: TX

Complaint narrative:
XXXX XXXX continues to report to XX/XX/XXXX ; Experian and XX/XX/XXXX that I have an open account with XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account does NOT belong to me. I have filed a Fraud Affidavit with regards to this account. I have contacted XXXX XXXX as well as sent letters to the credit bureaus disputing the validity of this account and have requested multiple times that this account be removed from my credit report. ( I have attached a copy of the Fraud Affidavit for reference. ) It is a violation of the Fair Credit Reporting Act to not report accurate information on my credit report. I have contacted the bureaus to fix this however, I have not been successful.

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 2021-02-24 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: TX

Complaint narrative:
XXXX XXXX continues to report to Equifax ; XX/XX/XXXXand XX/XX/XXXX that I have an open account with XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account does NOT belong to me. I have filed a Fraud Affidavit with regards to this account. I have contacted XXXX XXXX as well as sent letters to the credit bureaus disputing the validity of this account and have requested multiple times that this account be removed from my credit report. ( I have attached a copy of the Fraud Affidavit for reference. ) It is a violation of the Fair Credit Reporting Act to not report accurate information on my credit report. I have contacted the bureaus to fix this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 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 — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
On XX/XX/2021, I opened up clam ticket XXXX with XXXX for the charge {$230.00} that is FRAUD. I also submitted a claim with American Express for this amount, stating that it is FRAUD. 

As if by design, both AMEX and XXXX responded that there is no fraud. This, of course, is totally ridiculous. While Im familiar with the APP in question, there was absolutely no purchase made by me nor did I receive any goods or services for this vaporware. 

I was advised today that, according to the merchant, yes the one who is defrauding me with a ludicrous claim that I purchased something on their app, that the charge is appropriate. It is NOT appropriate. I did NOT purchase anything. I did NOT receive anything, and I do NOT want to be stuck with charges that are clearly fraudulent in nature.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-24 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: AZ

Complaint narrative:
Equifax should not be reporting a current balance of {$12000.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account was included in my bankruptcy. ( I have included the letter I received from XXXX dated XX/XX/2016 stating you are NO longer responsible for any payments or the overall disposition of this student loan. I have also included my identification documents for reference. ) This false reporting of a balance due is seriously harming my credit score and this line item needs to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 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: FL

Complaint narrative:
I filed a complaint with Experian regarding my gettington account. I noticed that the company was no reporting the credit limit for this account which has a drastic affect on my utilization. I advised Experian of this online. And days later they sent me notification that they verified the account as accurate. This is very scary. Because I never asked Experian for validation. I simply asked them to correct the information on my gettington account BECAUSE CREDIT LIMIT ISNT SHOWING PLEASE HELP!

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 2021-02-24 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: WAKEFIELD & ASSOCIATES, INC.
State: SC

Complaint narrative:
I am distressed that the reporting agencies are reporting false information. I have included the information below in my credit profile and that they have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Also On XX/XX/2020 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. 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 XXXX data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings
State: VA

Complaint narrative:
I got a letter from I.Q Data saying I could settle for a percentage of my balance. I gave them a call and we came to an agreement. I paid {$100.00} the associate told me I would have an receipt within the hour no receipt was ever sent to me then they claimed they dont send receipts. I asked for a letter stating our agreement and that the collection would be removed from my credit they assured me that it would be removed after full patent but didnt want to send me anything in written. I have called multiple times and talked to different people, all the associates were rude and disrespectful. I have started to record my conversations with them to cover myself.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: LJ Ross Associates
State: MI

Complaint narrative:
I have a XXXX balance with XXXX XXXX hospital that I have been making payments on. I am unemployed due to covid and have been making payments when I can. XXXX XXXX is still allowing me to pay the bill with them on their bill paying service via XXXX XXXX and they also send my account to a collection agency LJ Ross association. So both companies are trying to collect on the same debt. I have repeatedly told LJ Ross that I make and have current payments with XXXX XXXX but they continue to call me 3 - 4 times a month 3-4 times a day. I have told them numerous times to stop calling me. I also spoke to XXXX XXXX as well and they were very rude to me and told me they could not stop LJ Ross from calling

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation