vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PLAZA HOME MORTGAGE, INC.
State: CA

Complaint narrative:
Refinanced a property-XXXX XXXX XXXX XXXX XXXX NV XXXX, first payment due XXXX to Plaza Home Mortgage ( XXXX XXXX. XXXX Payment made, on time. Received a letter dated XX/XX/XXXX from XXXX XXXX XXXX stating they had purchased my loan effective XX/XX/XXXX, and all payments should be made to them as of that date. I called Plaza and was told that the transfer was not complete, but should be in effect XX/XX/XXXX. I paid XXXX XXXX. on XX/XX/XXXX. I received a delinquent notice from Plaza dated XX/XX/XXXX with late charges, as well as several calls from their collection dept. I called them and was told it was still in the process of being transferred, ( per XXXX, a supervisor - on XX/XX/XXXX ) but they would get it straightened out. I made another payment on XX/XX/XXXX to XXXX. On XX/XX/XXXX, I received a letter from Plaza-Notice of Servicing Transfer- stating that effective XX/XX/XXXX all payments should be sent to XXXX  ( which XXXX XXXX a part of ), but a different address from XXXX XXXX address. I called XXXX and spoke with XXXX who assured me they have my loan servicing. I called Plaza, spoke with XXXX, a supervisor, who was not helpful at all and basically told me to make the payments ( that I had already paid to XXXX ) again to Plaza. I just received yesterday, XX/XX/XXXX, a mortgage statement from Plaza showing I now owe them {$4200.00}, and no mention of any transfer. I have a payment due on XXXX XXXX, XXXX, and at this point I am really not sure who to pay. I can not pay two companies for the same mortgage, and neither seems to want to correct this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have obtained a copy of my credit report and discovered it contained an inaccurate report of a Bankruptcy filing. I have contacted the three credit reporting agencies ( Trans Union, XXXX and XXXX ) by mail ( certified copy is attached ) and was informed that this information is verified, or has been provided by a third party information collector. 

I also contacted the Bankruptcy Court of record and was informed by the court clerks office that there was NO known attempt to verify or confirm the erroneous information or correct the error. The clerks office strongly suggested that I contact your offices with this problem. While this issue may not approach the threshold of Bankruptcy fraud by an individual or business, the practice undermines the entire system of these firms are allowed to publish old, outdated information and inaccurate data beyond the scope of the FCRA. Especially, in matters as dire as Bankruptcy. I am reporting this matter in hopes you will investigate these practices for I have been led to believe this is not at all uncommon and highly dubious. ( Please see attached )

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 2021-07-27 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have obtained a copy of my credit report and discovered it contained an inaccurate report of a Bankruptcy filing. I have contacted the three credit reporting agencies ( XXXX XXXX, Equifax, and XXXX ) by mail ( certified copy is attached ) and was informed that this information is verified, or has been provided by a third party information collector. 

I also contacted the Bankruptcy Court of record and was informed by the court clerks office that there was NO known attempt to verify or confirm the erroneous information or correct the error. The clerks office strongly suggested that I contact your offices with this problem. While this issue may not approach the threshold of Bankruptcy fraud by an individual or business, the practice undermines the entire system of these firms are allowed to publish old, outdated information and inaccurate data beyond the scope of the FCRA. Especially, in matters as dire as Bankruptcy. I am reporting this matter in hopes you will investigate these practices for I have been led to believe this is not at all uncommon and highly dubious. ( Please see attached )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Resurgent Capital Services L.P.
State: DC

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple 3 Bureaus Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 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: OH

Complaint narrative:
I am not liable for this debt with XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX and I do not have a contract with PORTFOLIO RC plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$160.00} I demand this account to be deleted on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc.
State: OH

Complaint narrative:
I am not liable for this debt with XXXX XXXX XXXX XXXX XXXX XXXX and I do not have a contract with PRO COLLECT plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$1200.00} I demand this account to be deleted 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 explanation
Consumer complaint received 2021-07-27 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: PA

Complaint narrative:
Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Report : XXXX-Date of inquiry XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have mailed letters and I have also made phone calls and they do not seem to want to abide by the Law. The FCRA states that legally any unverified or unauthorized items must be removed. 
XXXX  Shows XXXX XXXX entry XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - US SM BUS Admin XX/XX/XXXX ( I even reported fraud to them ) XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX  XX/XX/XXXX - Screening XXXX XX/XX/XXXX Transunion Shows XXXX  XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX which has reached its two expiration as well - XXXX XXXX  XXXX  Show XXXX XXXX XXXX XX/XX/XXXX and that has reached two year expiration as well. 
I respectfully ask that these entries be removed immediately from my credit report. 

I also ask that the following addresses are removed immediately XXXX XXXX XXXX XXXX Missouri XXXX TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Tx XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Please remove the following employments XXXX XXXX XXXX XXXX  XXXX XXXX I thank you in advance for your prompt response to this situation

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 2021-07-27 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: TX

Complaint narrative:
I have mailed letters and I have also made phone calls and they do not seem to want to abide by the Law. The FCRA states that legally any unverified or unauthorized items must be removed. 
XXXX  Shows XXXX  Card entry XX/XX/XXXX - XXXX Card XXXX  XX/XX/XXXX - US SM BUS Admin XX/XX/XXXX ( I even reported fraud to them ) XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX  XX/XX/XXXX - XXXX XXXX XX/XX/XXXX XXXX  Shows XXXX  XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX which has reached its two expiration as well - XXXX XXXX  Equifax XXXX XXXX XXXX XXXX XX/XX/XXXX and that has reached two year expiration as well. 
I respectfully ask that these entries be removed immediately from my credit report. 

I also ask that the following addresses are removed immediately XXXX XXXX XXXX  XXXX Missouri XXXX TX XXXX XXXX Quail XXXX XXXX XXXX XXXX Tx XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Please remove the following employments XXXX XXXX XXXX XXXX  XXXX XXXX I thank you in advance for your prompt response to this situation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Ive been seeking validation for derogatory items reported to my credit report since XX/XX/2021 and the reporting agencies have failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I never had account with XXXX XXXX XXXX they just started report a charge off account on all three of my credit reports which is hurting my score. I have disputed with all three bureaus. I have previous found other people accounts on my report. want the account deleted. I have attached two copies One from Experian reporting and one from 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 2021-07-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: DC

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple 3 Bureaus Data breaches. I decided to look at my credit reports and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 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: VA

Complaint narrative:
I opened PayPal case XXXX on XX/XX/2021 against a fraudulent transaction from XXXX where merchandise was purchased and incorrect delivered. On XX/XX/2021, PayPal incorrectly denied my claim after I had provided ample evidence that the merchant failed to honor their contract : the merchandise was purchased with XXXX Int'l Priority shipping to arrive within days, but the merchant sent it with economy shipping to arrive months late to an address I had moved away from and was no longer living in and had no intent of returning to, fraudulently pocketing the change. I attest under penalty of perjury that this is true to the best of my knowledge. Evidence consists of screenshots ( proving delivery time, and proving the merchant had allegedly acquiesced to a refund ). Verbatim text of paypal dispute originally submitted is attached.

[ please redact all attachments and this sentence when publishing this complaint online, thank you ]

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Nelnet, Inc.
State: GA

Complaint narrative:
DEPTEDNELNET They are invading my rights to privacy. I do not owe a debt to a collection agency. They have sent my account to collections. ( Transferred my account without my permission or rights ). 
Dates : XXXX- c

urrent. 28 accounts that they have transferred to collections. Amounts are as follows : {$2000.00}, {$1200.00}, {$1100.00}, {$3500.00}, {$2700.00}, {$4000.00}, {$7900.00}, {$2300.00},
{$3300.00}, {$2700.00}, {$3500.00}, {$4500.00}, {$6000.00}, {$3500.00}, XXXX They are invading my rights to privacy. I do not owe a debt to a collection agency. They have sent my account to collections. ( Transferred my account without my permission or rights ). {$790.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have called the 3 credit reporting agencies multiple times, XXXX, XXXX, Transunion to please

correct the personal information on my account. The have not corrected the inaccurate information they are reporting. I have called and spoken to several representatives and supervisor and they have not yet corrected my personal information.
I called on 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 explanation
Consumer complaint received 2021-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have called the 3 credit reporting agencies multiple times, XXXX, Equifax, XXXX  to please correct the personal information on my account. The have not corrected the inaccurate information they are reporting.

I have called and spoken to several representatives and supervisor and they have not yet corrected my personal information.

I called on XXXX, XXXX, XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XXXX I disputed a {$1200.00} collection account that I requested to be validated.

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 2021-07-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I never had account with XXXX XXXX XXXX they just started report a charge off account on all three of my credit reports which is hurting my score. I have disputed with all three bureaus. I have previous found other people accounts on my report. want the account deleted. I have attached two copies One from XXXX reporting and one from Transunion

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 2021-07-27 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I need help ... I disputed these accounts several time and not one since credit bureau is responding to my dispute request .... I want these negative items deleted immediately. 

XXXX XXXX XXXX XXXX-UNVERIFIED ACCOUNT XXXX XXXX XXXX XXXX  XXXX-UNVERIFIED ACCOUNT XXXX XXXX XXXX XXXX- no knowledge of account. If unproven, unverified, or non-compliant, Demand deletion immediately. 
XXXX XXXX-UNVERIFIED ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, TEXAS XXXX XXXX XX/XX/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 2021-07-27 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I need help ... I disputed these accounts several time and not one since credit bureau is responding to my dispute request .... I want these negative items deleted immediately. 

XXXX XXXX XXXX XXXX-UNVERIFIED ACCOUNT XXXX XXXX XXXX XXXX  XXXX-UNVERIFIED ACCOUNT XXXX XXXX XXXX XXXX no knowledge of account. If unproven, unverified, or non-compliant, Demand deletion immediately. 
XXXX XXXX-UNVERIFIED ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, TEXAS XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
I requested ARS to give me proof of this debt. On both attempts ARS did not give me any kind of proof. This debt doesn't belong to me, nor does ARS have proof this is my debt.

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 2021-07-27 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
We had XXXX XXXX XXXX phone service at home for years, but it would stop working frequently. We notified XXXX XXXX XXXX about this problem on several occasions, but it would keep occurring and XXXX XXXX XXXX never fixed the issue. We ceased paying our XXXX XXXX XXXX bill, because we had no service, and now they have turned it over to a collection agency. We informed the collection agency, Credence Resource Management, to stop all communications and that we were disputing the charges. Credence Resource Management has ignored our request and continues to call my place of employment on a daily basis. They also refuse to identify who they are or the nature of their communication. Credence Resource Management, we believe, is in violation of federal and state ( Texas ) law when it comes to debt collection.

Company response to consumer: Closed with non-monetary relief