vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-06 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

Complaint narrative:
It was last XXXX when they told me that they my paypal account is temporarily limited and yes i provided information and documents and they said i need to put a newly issued TIN ID or a postal id. and i did i submitted yesterday and my account was permanently limited and they said theyll gon na hold it until 180 days and thats too much for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Stenger & Stenger, P.C
State: OH

Complaint narrative:
In XXXX, XXXX I was in the market for a new home. A credit report revealed I had a collection from XXXX XXXX. I tried to dispute the collection, because I had never heard of XXXX XXXX. Shortly after I received a court document from attorneys Stenger & Stenger out of XXXX, MI. I contacted my lawyer who after speaking with Stenger & Stenger reported to me that I did owe the debt, but they were collectors and he did not know where the debt originated. I asked on those grounds shouldn't the debt be dismissed. I was told no and a plan was negotiated by my lawyer and attorneys Stenger & Stenger. The plan was that I would make payments of {$200.00}. over the course of 11 or 12 months. Of course I paid, I wanted my credit back in good standing. I contacted XXXX a few times about the collection, I was told they could not discuss anything with me about the collection. So in XX/XX/XXXX I filed a third dispute stating that I completed payments negotiated by the attorneys and provided documentation. The collection still shows on my XXXX report, but not the other 2 reporting agencies. I tried calling XXXX XXXX and they too would not give me any information. I basically paid a debt that I have no knowledge of and it still as of today XX/XX/XXXX is reflecting negatively on my XXXX  credit report. Why can't I get answers about my own credit report? I feel like this is an attempt to keep me in a negative standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I signed up for Experians credit building services, 2 months ago, through chime, it was recommended app, through their recommendations my credit has been severely affected through hard inquiries and very inaccurate reporting. I really want to sue, however XXXX XXXX, I don't have the means to do so. The services are XXXX monthly, it's almost as they trying to purposely wreck my credit.

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 2022-01-06 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: NE

Complaint narrative:
We purchased a washer with the Lowes credit card ( total amount {$860.00} ), and it was broken upon delivery on XX/XX/2021. We sent it back, and the order was marked as returned in Lowes system. Lowes called us and told us that we had to place another order to get the washer. The store then tried to place an order for us by asking us for our Lowes card information, but we said we would place a new order ourselves ( they then refunded the money for this 2nd order they placed without our final permission - this amount was {$830.00} ). We bought another washer that was successfully delivered on XX/XX/2021 ( total amount : {$820.00} ). Lowes didnt refund us for the original order ( {$860.00} ), and we filed a dispute with Synchrony which was accepted to be process. On XX/XX/2021, we got a letter stating that Synchrony has adjusted our account for the disputed amount, but they never applied this credit to our account. Please see the attached statement as of XX/XX/2021. I tried contacting Synchrony again but didnt get an answer. This has been a very frustrating experience.

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 2022-01-06 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
From XX/XX/XXXX to XX/XX/XXXX there are several mortgage inquiries that I do not recognize. Whereas there should only be 1 mortgage inquiry from XXXX XXXX. 

In XX/XX/XXXX I obtained a auto loan from XXXX XXXX XXXX, I have seen several other auto loan inquiries being reported that are not recognized.

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 2022-01-06 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: LEXISNEXIS
State: VA

Complaint narrative:
A bankruptcy is being reported without proper verification. Company refuses to provide verification for reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 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: CA

Complaint narrative:
I placed an order with an online retailer and a retailer never delivered the item I disputed the item charge and the company gave me a conditional credit and they without any warning they reverse the credit the credit card company did not provide any documentation for sustaining the charge at all they provided no delivery proof or anything that showed that the item order was received or even shipped

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 2022-01-06 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 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: EQUIFAX, INC.
State: VA

Complaint narrative:
A bankruptcy is being reported without proper verification. Company refuses to provide verification for reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
A bankruptcy is being reported without proper verification. Company refuses to provide verification for reporting.

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 2022-01-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
Refinanced my VA loan on XX/XX/XXXX for {$170000.00} with payments around {$1300.00} mo. Started COVIDXXXX19 Forbearance, XX/XX/XXXX. Current on payments when I started forbearance plan. Continued making payments during forbearance period, loan sold by mortgager to Freedom Mortgage in XXXX of XXXX. From XX/XX/XXXX to XXXX XXXX XXXX payments were made including XXXX trial payments. Loan modification offered by Freedom Mortgage for {$170000.00} despite over 5 and half years of payments. Contacted VA case manager months ago without response, called main number but no return contact despite being told I would. I received a 100 % total XXXX rating from the VA XX/XX/XXXX, and filed for tax exemption with XXXX XXXX. I was provided a letter from XXXX XXXX, and application with time/date stamp. Contacted Freedom Mortgage to update modification offer with new monthly payments since tax exemption was approved. Spoke with tax office and customer service rep. and was told it would take XXXX business days to update the info., send a tax refund for XXXX - XXXX XXXX ( backdate ), and send a new modification contract. I've contacted them multiple times since then and was told the issue was being sent to the research department. No XXXX contact received and deadline for the modification we had was XX/XX/XXXX, as well as payment. I contacted tax office again a couple of days ago and was told the XXXX XXXX office had messed up. I asked if they'd contacted but they said no. I asked if the documents they had me fax on XXXX XXXX were available. They said they never received any fax. I uploaded the documents online via their website which I was advised against the first time. I asked the Freedom Mortgage rep. for guidance, how much is my monthly payment amount since I was tax exempt, when I would receive a new modification contract, etc. I was told they didn't know but would send a request to the research department ( again! ). We have XXXX children and are concerned about our home now. 

100 % XXXX Veteran not receiving tax exemption from mortgage company despite XXXX XXXX 's approval of exemption status and documents provided. CARES ACT violations regarding payments during forbearance, credit reporting errors, and new modification issues.

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 2022-01-06 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: VA

Complaint narrative:
I have been dealing with unauthorized use of my personal information. Which result in unauthorized items on my credit report.

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 2022-01-06 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: VA

Complaint narrative:
I have been dealing with unauthorized use of my personal information. Which result in unauthorized items on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 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: CA

Complaint narrative:
I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.

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 2022-01-06 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: CA

Complaint narrative:
I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
In XXXX, XXXX I was in the market for a new home. A credit report revealed I had a collection from midland credit. I tried to dispute the collection, because I had never heard of midland collections. Shortly after I received a court document from attorneys XXXXXXXX XXXX XXXXXXXX out of XXXX, MI. I contacted my lawyer who after speaking with XXXX XXXX XXXX reported to me that I did owe the debt, but they were collectors and he did not know where the debt originated. I asked on those grounds shouldn't the debt be dismissed. I was told no and a plan was negotiated by my lawyer and attorneys XXXX XXXX XXXXXXXX. The plan was that I would make payments of {$200.00}. over the course of 11 or 12 months. Of course I paid, I wanted my credit back in good standing. I contacted XXXX a few times about the collection, I was told they could not discuss anything with me about the collection. So in XX/XX/XXXX I filed a third dispute stating that I completed payments negotiated by the attorneys and provided documentation. The collection still shows on my XXXX  report, but not the other 2 reporting agencies. I tried calling midland collections, and they too would not give me any information. I basically paid a debt that I have no knowledge of and it still as of today XX/XX/XXXX is reflecting negatively on my XXXX credit report. Why can't I get answers about my own credit report? I feel like this is an attempt to keep me in a negative standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am filing this complaint because EQUIFAX, XXXX and XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Marlette Funding, LLC
State: MD

Complaint narrative:
BESTEGG was advised to investigate a few things that I believe are inaccurate and they never responded. I asked for a a copy of the contract that I signed ( which is my right to do so ), a full account history of this debt, every payment that was made and all interest that was applied. Those were MY specific request. It appears obvious to me that they are abusing their power under the FCRA to escape a complete investigation. I have been requesting, since since XX/XX/2021, verification of this alleged debt that they claim I owe to this company company and which they are reporting on my credit files. However, this company has failed to obtain and send me legal verification as mandated by the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Dear Sir or Madam : I am a victim of identity theft. I recently learned that my personal information is going everywhere. finally, the IRS team notified me of what's going on. I don't open most accounts and fraud activities, and I therefore request that it be removed from my credit report 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 monetary relief
Consumer complaint received 2022-01-06 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Other Than Medical XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXl XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX These are Fraudulent Inquiries that I've never authorize, nor did i give permissible purpose and I've attempted to dispute these inquiries with the credit bureaus. I've filed a police report to report this as well as Contacting the creditors themselves.

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 2022-01-06 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: Santander Consumer USA Holdings Inc.
State: MO

Complaint narrative:
Santander has reported inaccurate and inconsistent information on my credit report as well as failed to send me an account statement in proper time. 

This Creditor has sent different information to each of the major Credit bureaus about my account. 

They have reported my term as 0 months with XXXX with 2 bureaus but they've reported it as 48 months with XXXX and XXXX. 

The account open date is inaccurate across bureaus. 

The Account Balance is inconsistent it reports as {$11000.00} in some places ( XXXX XXXX XXXX ) and reports as {$11000.00} to experian. 

They are reporting to the account at different dates to each bureaus. 
They report the dates of my last statement differently to each bureaus. 

They're reporting me 30 days late in XXXX of 2021 however this inaccuracy of their reporting, isnt fair for me to know when to pay and when Im late

Company response to consumer: Closed with explanation