vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
I have reached out to Midland Funding ( Encore Capital Group ) regarding a debt from an XXXX Credit card that was sent to XXXX XXXX  for collection. The debt was for XXXX XXXX  in the amount of {$1100.00}. The original account number was XXXX. My Midland Funding Account XXXX was XXXX. For some reason thay have changed this to XXXX. 

I paid the collection in full to XXXX XXXX ( XXXX ). XXXX XXXX received the new amount due {$1200.00} on XX/XX/XXXX. I received the receipt for the payment on invoice # XXXX. A letter showing the payment was made and a copy of a letter sent to the court to show the payment was made. I contacted Midland Funding and they redirected me to XXXX XXXX. I called back and spoke to someone who said they would reach out to XXXX XXXX and my credit report would be updated in 30 days. 

When the credit report was not updated I contacted Midland Funding and received a voicemail. I left 3 messages that were not returned. I disputed the collection with the 3 credit bureaus but was told I did not have enough information to have the collection removed. I contacted Midland Funding again, who tried to send me back to XXXX XXXX. They said that still have not received the letter from the law office, but will reach out to hem, once again. They will not let me send them the receipts. They claim these must come from the law office and when they are received my credit report will be updated. They claim to have reached out to XXXX XXXX twice already with no response. 

I contacted XXXX XXXX. They claim to have sent the information to Midland Funding. I contacted Midland Funding on XX/XX/XXXX via chat and spoke to XXXX XXXX. I was told a Cease and Desist was placed on my account and forwarded to another number. I spoke to XXXX XXXX who would not provide a last name ) at XXXX am XX/XX/XXXX who had me remove the Cease and Desist claiming I placed this on XX/XX/XXXX - which I did not do. I did however speak to XXXX XXXX at XXXX XXXX who told me that would reach out to Midland Funding that day to correct the issue. 

XXXX consistently spoke over me and I requested a manager. Then XXXX informed me that they had reached out to XXXX XXXX twice, it is in my records, but they have not received anything from them. After asking repeatedly what happened in that correspondence and told me they have been having technical difficulties and they are missing a code. I explained that I understand technical difficulties but 2 months, 10 phone call and 2 chats should have resolved this and I wanted to speak to a manager. He told me no mangers were available and I could call back in 1 hour.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-06 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: TX

Complaint narrative:
wrong info fcra : XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX LA XXXX, TX, XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX, TX,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
The credit bureaus are reporting XXXX in Collections with a balance of 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 2021-05-06 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: EQUIFAX, INC.
State: VA

Complaint narrative:
The credit bureaus are reporting XXXX in Collections with a balance of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 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: PA

Complaint narrative:
I have filed an identity theft report I need this fraudulent inaccurate information off of my credit report. This is hurting my family as well from purchasing a home. We are running out of options cant get a home and will eventually cause my family to be in a homeless shelter. Please help. I contacted this company several times by phone and by mail with still no progress. 

XXXX XXXX XXXX XXXX {$660.00}

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 2021-05-06 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: PA

Complaint narrative:
I have filed an identity theft report I need this fraudulent inaccurate information off of my credit report. This is hurting my family as well from purchasing a home. We are running out of options cant get a home and will eventually cause my family to be in a homeless shelter. Please help. I contacted this company several times by phone and by mail with still no progress. 

XXXX XXXX XXXX XXXX {$660.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: NJ

Complaint narrative:
I have been a customer of chime for years. Over the last week my account has been compromised three times. Someone sent an email with a fake id requesting my login information be updated. It was approved by XXXX.. That was resolved by me sending in proof identification. After regaining access to my account the account was yet again approved for update by a scammer this change was also approved by XXXX after going through the verification steps again I re gained access to my account. Now today my information was yet again updated by XXXX without my permission so yet again I have no access. At this point I am frustrated and this seems like negligence by chime to allow these updates. There is no reason that my account information should be updated without my consent three times!! ' The employees need to do their job right!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
ON XXXX AND ON XX/XX/2021 I SENT A LETTER TO ALL THREE CREDIT BUREAUS EXPLAINING TO PLEASE VERIFY SOME ACCOUNTS THAT WERE ON MY CREDIT REPORT THAT TO MY KNOWLEDGE ARE INACCURATE AND ARE HIDIRING MY CREDIT ABILITIES. I ALSO SENT THEM A SECON AND THIRD ATTEMPT THE THIRD ONE I WAS ADVISE TO DO CERTIFIED SO YOU WILL PROOF ATTACHED THAT I DID.

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 2021-05-06 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: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
Someone was suppose to handle this situation, but it was never resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 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: Garrison Investment Group
State: PA

Complaint narrative:
Someone was suppose to handle this situation, but it was never resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Performance Management, LLC
State: IN

Complaint narrative:
I have been in communication with RPM since XXXX, 2021 to provide me with a verification of debt, company has failed to do so.

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 2021-05-06 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: MO

Complaint narrative:
On XX/XX/2021, I sent a Metro 2 dispute letter to Equifax asking how they went about verifying XXXX  XXXX Auto Finance account XXXX. 
I never received a response from them. 
On XX/XX/2021, I sent a letter to Equifax disputing the late payment for XXXX  XXXX Auto Finance account XXXX. 
On XX/XX/2021, I received an email from XXXX  alerting me that equifax removed a XXXX XXXX Auto Finance account from my credit report. I went to view my Equifax credit report at XXXX and realized they had deleted the one latter. I had not filed any dispute asking them to remove that account. Yet, they did it anyways when it was entirely in good standing. Worst part is that they never responded to my Metro 2 letter pertaining to the account ending in XXXX, which SHOULD be the account that is removed especially since they have been reporting it inaccurately. 
On XX/XX/2021, I called Equifax and spoke with supervisor XXXX who was of no help and could not even tell me why I had received no response for SEVERAL rounds of disputes that I have sent them. The correctly disputed XXXX XXXX account XXXX needs to be removed to remedy this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK
State: IL

Complaint narrative:
In or about XX/XX/2019, I notice credit was established under my name without my approval. I contested this account with the credit bureaus and the creditor stated that this account is valid. I provided the creditor a notarized affidavit and XXXX Police complaint that this account was fraudulently established under my name. But, the creditor rejected the documents. The creditor is not supporting me in this matter and it is getting quite frustrating that my life has been compromise and no matter what I do administratively, it has been denied. I want to escalate matter to show a least a face to the XXXX Police and I requested the creditor to provide identifying information from the creditor so, I can see who established the account and that information was not provided. I was informed from the agent that, my name, social security number, date of birth and address is all what is needed. Photo identification is not required to open this account. I can not afford attorney and due the claim is over {$10000.00}, I can not represent myself in this matter in court. We conclude that our mail box was compromise and while we are at work the culprit check our mail boxes for the cards and had our information to active the cards. Since then, I had place fraud alerts with all the credit bureaus that requires ID verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
i dont know about this account that is affecting my credit report XXXX XXXX XXXX Account Number : XXXX This is not mine, delete this from my credit report. I do not know this company

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
In XXXX, despite a good payment history, TJX arbitrarily lowered my credit limit from {$800.00} to {$170.00}. I wrote to express my displeasure as i have maintained a good payment history. Nothing change. I wrote again in XXXX, but to no avail. Since that time, I have tried priodically to get my credit limit restored or raised via the automated phone system, but nothing changes. I have continued to send bi-weekly payments, but TJX does not seem to care that I have a good payment history with them. I do not feel that a customer, who pays her bill regularly, should randomly be punishment with a lower credit limit when there has been no issue with the bill being paid.

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 2021-05-06 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: Southern Auto Finance Co
State: FL

Complaint narrative:
I have a joint account with a family member who signed for me with SAFCO southern auto finance they kept taking more money out of my account monthly and I purposely had them get my car back because the car was junk ... .they kept charging me for a car I didn't have and have not hear from them in years now that I'm trying to get my credit fixed with XXXX XXXX now they come back putting negative comments on my credit report alot of times The credit repair people got them off the report but they came back and redid the negative so now it's still their. They are abusive and determine to ruin me and it's causing me mental breakdowns it's a nightmare with that company ... they unauthorized charges and it's different charges which is a descrepency and if that is it's gains the fair credit act and it's illegal please help me with this monster of a company

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Continental Services Group, Inc. d/b/a ConServe
State: FL

Complaint narrative:
I received an alert that an collection account was added to my credit report for XXXX XXXX XXXX via Conserve on XX/XX/2021. I called XXXX and told them I never received any correspondents about owing this debt and made a full payment. The lady told me they would call conserve and have the debt removed. Today XX/XX/2021 conserve is still reporting it as an unpaid collection account so I called conserve and told them this debt was paid and that I didnt receive anything from them or XXXX and this debt needs to be remove from my credit report and they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
I bid a concrete job at XXXX XXXX XXXX XXXX XXXX Texas XXXX on XXXX XXXX at XXXX XXXX with A gentleman named XXXX. Said he heard about my company from XXXX. Gave him a bid for XXXX he approved and asked us to start on XXXX XXXX. He then mailed me a check for {$7300.00} and asked me to pay the plumber a deposit of {$3200.00} for materials on a plumbing job at his home and the remaining balance would pay myself a 50 % down on the job XXXX bid and he approved. Said I would receive the rest at the complete of the job. Then he text me Sunday XXXX XXXX saying he needed to cancel due his mother passing and told me he needed the money back minus {$1000.00} to compensate me for my troubles. He asked for {$2500.00} right away threw XXXX or XXXX XXXX. I tried to send XXXX XXXX to $ XXXX. When doing so I was alerted with this might be a scam he assured me is wasnt and I sent two payments of {$1000.00} to a XXXX XXXX it failed and was returned to my. He asked me to try cash app $ XXXX and the same thing happened. He then asked me to deposit into a XXXX XXXX acct # XXXX under XXXX XXXX stating he was the plumber. The name of the Company is XXXX XXXX. Now my bank has informed me that the check I cashed from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Oh XXXX check # XXXX in the amount of {$7300.00} signed by a XXXX XXXX was fraudulent and now Im being charged for the entire amount and my business account has been frozen

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: GA

Complaint narrative:
Specialized Loan Servicing LLC purchased my mortgage from the original mortgage company. Then in XX/XX/2019 I refinanced with a Bank. They paid off Specialized Loan Servicing but they fail to record a lien release on my property. It has been 1 year and it is still not recorded. I have called dozens of times, sent them title work showing their Lien is still on the property along with new mortgage. They do not help and answer no question. I have no proof that they are actually sending out a lien release to the county. This company should have their license taken away.

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 2021-05-06 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: GA

Complaint narrative:
When my car got totaled in XX/XX/XXXX, I had gap insurance to pay for the balance. I called the loan company in XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, to ensure that all had been paid off. They informed me that it was and a check would be mailed for the balance. I asked them if they were sure that I was supposed to receive a check because the gap insurance was only supposed to cover the car and nothing extra. They assured me the check was meant for me. They mailed out the check on XX/XX/XXXX. On XX/XX/XXXX, I cashed the check and placed the money into my savings account. 
Fast forward to XX/XX/XXXX. I received a letter from XXXX stating that I owed them the balance of the check they sent me because they had credited the wrong account for the balance. Upon receiving the letter, I had the balance paid off within a week ( XX/XX/XXXX ). I called XXXX to ensure that there would not be anything negative on my credit report due to the interaction and they said there shouldnt be. When I got the update my credit report showed a past due balance, I called them back and they said they would submit my claim and information to their credit reporting team. I could not speak to them personally, but it was decided that because I had not made a payment - due to having a {$0.00} balance up until XXXX when they reversed the check, I was still late. They back dated the account on their end so that they could cover up sending out the check to the wrong person. But, you cant back date a credit report that updated monthly. I asked why they had not called me immediately upon reversing the check and they said that they had but I didnt have a voicemail setup ( false information because Ive always had one and there were no missed calls from them at any point either ). I even had to pay more than the original check because they included other fees on the payoff. I also did not receive any emails about the issue, which would have resulted in it being paid off sooner. They didnt send me any information or update my statements either ( see attached ). You can also see on the documents that there was a {$0.00} balance from XXXX when they reversed the original {$1600.00} credit. 

I just spoke with a customer service representative and they shared the more detailed documents with me. Can show proof it came from them if required. 

I tried placing a claim with Transunion and XXXX but they sided with 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