vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: GA

Complaint narrative:
Contacted the company and credit bureaus regarding reporting issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
My daughter, a minor at the time, was in the process of purchasing a vehicle and called my auto insurance carrier, who, at the time, was XXXX  XXXX. She gave them my personal information and added herself to my policy. Soon after, she was incarcerated on an unrelated charge. I received the bill and immediately called XXXX  XXXX to have her removed and to dispute the charge. They did not immediately remove her and I was billed another month. I called, once again, to have her removed from the policy and to follow up on dispute. Although they claim to record their calls and could have immediately noted that this was not me adding her to policy, they refused to review call and stated that since she had my personal information, it was valid and I owed the two months. They stated that they would not go back to review my initial phone call asking to remove her after one month and once again stated I owed both months. I have tried to dispute this via XXXX XXXX and it was not resolved so I am not turning to Consumer Financial Protection Bureau for help.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 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: The CBE Group, Inc.
State: UT

Complaint narrative:
CBE Group is reporting collection accounts that need to be removed. This debt is invalid as during this time I was covered with XXXX and XXXX. I had gone in for some blood work and the hospital tried billing me 3 different times for one exam that was supposed to be sent over to insurance. I had called them and they had admitted to this mistake but they billed me anyway! This is not my fault, this is an error from the hospital that needs to be fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
PAYPAL Scam company from XXXX was trying to still money from me and they said that they were from XXXX reviews and I was selected to participate on XXXX review programs at that point I didn't know that it was an scam company I believe them that they were from XXXX and they said that they were going to deposit money on my paypal account so I can try the product and write ONLY a good review. Start feeling that something was off and I ask them to cancel, they said that they couldn't and I told them that I was going to report the to XXXX they asked me to not do that ( I have the emails as proof ) they apologize and they told me that I don't have to send the product or money back ( I have proof of that as well ) months after the scam company subbmited a dispute against me about the {$30.00} to PayPal.

I spoke with a representative ( 3 of them ) all of the reps seems to not knowing what their doing and they just throw the ball between each other giving any kind of different information. Finally after 2.5 hours on the phone trying that they helped me I talked to a supervisor. She requested information from me she ends up telling that that
company was not scaming only me but also other people and she even gave me a gift card of {$30.00} ( Paypal Supervisor ) she said to make it up for the time that I wasted and the dispute was soved and close.

3 months after received a collection letter from paypal for the same dispute, someone didn't do their job there and not updated the system, they locked my paypal account and the customer service rep said that they can't do anything only collection nobody was able to solve they want me to pay something that I don't owe and it was " solved ''. I really think that PayPal needs to train their reps before that they even talk to people and the reps use same information and not each of them give wrong and different info. After wasted more time and talked to more people nothing was resolved
and the only thing the reps suggested was follow another dispute ( same thing I did before and provided them with proofs on time ) or pay the balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-05 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: PA

Complaint narrative:
For the 4th straight month XXXX  has inaccurately reported my account as late to all three credit bureaus ( XXXX  Experian XXXX  ) each month a investigation is launched and is found that XXXX  has yet again reported inaccurate information ( and each time they admit and apologize for the inaccurate information ) but this time they have decided that they were going to report the month of XXXX  as late even though that it was NEVER late and was never reported as late until XXXX  ( again was already reported as paid on time and current to credit bureaus until XXXX  ) this is VERY inaccurate as I have never missed a payment

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 2021-08-05 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The car that I had was in a car accident. The person that caused the accident Insurance Company paid the balance on the car in full. The balance that is showing on my credit report can not be from that car and the balance should be removed on my account. The payments that are showing on the car and the payment that is showing is not the amount that was agreed upon under my contract. I have not signed a new agreement authorizing this. This needs to be removed off of 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 2021-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The car that I had was in a car XXXX. The person that caused the accident Insurance Company paid the balance on the car in full. The balance that is showing on my credit report can not be from that car and the balance should be removed on my account. The payments that are showing on the car and the payment that is showing is not the amount that was agreed upon under my contract. I have not signed a new agreement authorizing this. This needs to be removed off of 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 2021-08-05 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: GA

Complaint narrative:
The car that I had was in a car accident. The person that caused the accident Insurance Company paid the balance on the car in full. The balance that is showing on my credit report can not be from that car and the balance should be removed on my account. The payments that are showing on the car and the payment that is showing is not the amount that was agreed upon under my contract. I have not signed a new agreement authorizing this. This needs to be removed off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Contacted the company and credit bureaus regarding reporting 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 2021-08-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: U.S. Collections West, Inc.
State: AZ

Complaint narrative:
Account Name : US COLLECTIONS WEST IN Account Number : XXXX Date Opened : XX/XX/2018 Balance : {$0.00} Reason : Identity theft Please remove it from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: United Shore Financial Services, LLC
State: CA

Complaint narrative:
I was on Forberaance for 4 months from XX/XX/XXXX to XX/XX/XXXX. I started to pay from XX/XX/XXXX. They used to tell me that after Forbearance they will reduce your interest rate and monthly payment. They chose Modification would be best for us. I did not know the FHA policy at that time. They raised the monthly payment every month. On XXXX my payment was {$2500.00} and rate was 2.875 %. Now my monthly payment is {$2700.00} and rate is XXXX. Because I still have Financial Hardship. I am using the option Covid -19 Advance Loan Modification ( must be reviewed no later XXXX XXXX. 
Covid -19 ALM is a permanent change in one or more terms of a Borrower 's Mortgage that achieves a minimum 25 percent reduction to the Borrower 's monthly Principal & Interest ( P & I ) payment that does not require Borrower contact. I am requesting 30 % reduction on my monthly payment of {$2700.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I was working with XXXX law to repair my credit last year and I disputed validity of 2 debts to XXXX XXXX Bank which were listed on my report. After the waiting period, it was determined that I'd proven my claim and XXXX XXXX had to remove the items from my report. A year later I suddenly get a notification that my credit has dropped nearly 30 points because of a new collection. When I looked to see what it was it showed, Portfolio Recovery which confused me as I don't know anything about them. Upon opening it I discovered that it was XXXX XXXX. They were reporting it as a brand new debt and saying that I currently have open accounts with them. All lies. They've now added a second item from XXXX XXXX to myreport and are essentially destroying my credit score. I was under the impression that once you win the dispute its over. Not that the company can decide to sell it off to a debt buyer and then they can put it back on your report. I spoke with XXXX  today and they told me that this constitutes fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 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: FL

Complaint narrative:
I want you to help me because I found accounts that are not related to me. I do not know these items and I can not understand why they are in my profile. I am victim of identity theft for sure and I ask you to check and investigate the accounts. I filed a report and I want to proceed with procedures. I hope you will help me and delete them all.

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 2021-08-05 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: FL

Complaint narrative:
I want you to help me because I found accounts that are not related to me. I do not know these items and I can not understand why they are in my profile. I am victim of identity theft for sure and I ask you to check and investigate the accounts. I filed a report and I want to proceed with procedures. I hope you will help me and delete them all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Contacted the company and credit bureaus regarding reporting issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: TX

Complaint narrative:
1. In XX/XX/XXXX ; Discover Card gave me an option to setup a " Hardship Payment Plan '' with low interest rate on my closed account. I signed up and setup to make payment with " Auto Pay '' on the XXXX of each month ( An email confirmation is attached ). Since the account was closed and setup for Auto Pay ; I did not see a reason to monitor activities as I was XXXX outside the United States. 
Last week ; I received email from credit monitoring that my Discover account was reported " Late '' and my credit score dropped by XXXX points. I checked my account online and noticed that Discover stopped using " Auto Pay '' for payments in XX/XX/XXXX but never notified me about that. I contacted Discover but they were not able to answer my question and instead transferred me to several different departments. 
MY MORTGAGE REFINANCE APPLICATION HAS BEEN DENIED SINCE MY CREDIT SCORE DROPPED FROM XXXX TO BELOW XXXX. 

2. Again, I contacted Discover several times and they continued to provide incorrect and misleading information to me. 
I asked Discover the date when I signed up for the " Hardship payment Plan ''. Discover provided incorrect date over and over again and insisted that I signed up in XXXX and I was not setup for Auto Pay ; which is not true. I actually signed up in late ( XXXX ) XXXX with " Auto Pay '' from my bank account. 

I contacted Discover several times and they continued to provide incorrect and misleading information to me and I was not setup for Auto Pay. 


A similar complaint was filed with CFPB in XXXX of XXXX when account was in COVID-19 relief but Discover still charged Late Fees ; eventually they revered the Late Fees after receiving a copy of the complaint from CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 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: FL

Complaint narrative:
On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: COAST PROFESSIONAL, INC.
State: NY

Complaint narrative:
I received a collection notice from thisXXXX XXXX XXXX XXXX on XXXX XX/XX/2020 about a defaulted student loan debt, I immediately responded to them asking them to provide me information and originals documents about the loan in the original forms for the debt they're maintaining in my name and repotting the debt against my social security to the credit bureaus, they never responded and they continue to try to collect on the fraudulent debt and they continue to report collections activities to my credit report. Most recently another collection notice from coast professional When I called them to ask them to valid the debt they were unable to do so and when I requested them to delete the debt that has been causing me many financial problems they didn't delete the debt. In fact after requested to cease and decease in written in XX/XX/2020, the coast professional collection continues to contact me trying to collect the debt that I already have notified them was a fraudulent debt I never authorized anyone to take a loan on my behalf through XXXX XXXX XXXX they refused to follow the FDCP and FCRA laws, they're in violation with the FDCP and the FCRA. They claim I owe them a debt I never had through department of education, the school has been closed and they continue to reporting the debt and continue to make several attempts to collect. 
This is my final request before I take legal actions. I'm asking them to stop contacting me, stop harassing me, stop calling my number through different system computer generation phone calls, and to notify whoever they're collecting for about this final request to remove and cancel the debt from my name 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 2021-08-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
Contacted the company and credit bureaus regarding reporting issues.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-05 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: NY

Complaint narrative:
The inquiries on my Experian report from XXXX  XXXX XXXX, 3 inquiries from XXXX XXXX and 1 from XXXX XXXX are unauthorized. I contacted Experian two times through the mail to have them deleted and never received anything back in the mail.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
Contacted the company and credit bureaus regarding reporting 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 2021-08-05 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: OneMain Finance Corporation
State: OH

Complaint narrative:
On XX/XX/XXXX i paid main financial on XX/XX/2021 i always pay at the end of the month due to how my pay falls however it seemed online posted my payment on XX/XX/XXXX, and this is not my fault please remove this 30 days because this is reporting incorrecty. This was a online system gliche. I never had a 30 day at all

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 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: FL

Complaint narrative:
Hello, I would like to ask you to check these accounts. Because dates and information are incorrect. I sent already couple of letters but I am ignored completely. I contacted directly these companies and asked them to change and delete the accounts. I contacted Bureaus and asked them to stop poor reporting. Everywhere I am ignored. Please check these account sand delete wrong information.

These are those accounts : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Thank you! I hope this time it will work out.

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 2021-08-05 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: GA

Complaint narrative:
On XX/XX/1202 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to XXXX  you caused me.

Company response to consumer: Closed with explanation