vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-22 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: OH

Complaint narrative:
I have been having the biggest issue with XXXX XXXX. I have held many mortgages and have never been late in over 30 years. I already hate that my mortgage keeps being sold to a different company every time I look up and each company is harder to deal with. In XXXX of XXXX my mortgage was sold to XXXX XXXX XXXX XXXX  charges a fee to pay online, and a fee to pay over the phone so I send my payment through the mail which is my normal process anyway but I have never seen a company charge to pay online. I mailed my payment as I always have in XXXX of XXXX and when I noticed they still didn't take my payment out of my account, I called them via phone on XX/XX/XXXX and was advised to give it a few more days because it would be a charge to stop payment on the check, a charge to pay it over the phone and a late fee. I stated I have never had a payment lost in the mail and that it would be up to a supervisor to waive the late fee. Still no payment was deducted out of my account so I then paid through the automated system and had to pay a fee, and was charged a late fee. I am very disappointed with how I was treated by this new company that can clearly see I have stellar payment history and always have for over 30 years as I have owned multiple homes. XXXX was unreasonable for a true and honest issue that was clearly out of my control. I have never had a payment lost in the mail before and I pay majority of my bills through the mail. XXXX XXXX keeps calling me to ask if I want to refinance with them. They refuse to resolve the issue that occurred with my account. I have had my mortgage on this home since XXXX and I have NEVER had a late payment and I want it removed. This is my XXXX home in 30 years and I have NEVER had an issue like this before. I have called and wrote letters and have been unsuccessful in getting this resolved.

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 2020-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I disputed bankruptcy case number XXXX with XXXX report. I filed CFPB report stating that the bankruptcy was inaccurately being reported on my XXXX report, Transunion and XXXX. Transunion and XXXX responded the information was correct. I am attaching letters from XXXX with no record of me and from the Bankruptcy court as well again unable to verify that information. If they XXXX has no record of me and the bankruptcy court can not confirm how can they report me?

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 2020-05-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
My issue is dealing with my paypal account. My account with them i have a debit card that allows me quick use and withdrawal of my money. I have informed by the irs website that my stimulus payment was direct deposited on XX/XX/2020 to the account number paypal issued me for direct deposit. I have double checked my filing for the irs to make sure i input the numbers correctly and they were 100 percent correct. When i messaged paypal over this issue of where my money could be they said a pending payment wasn't even showing and it must be the irs at fault with wrong information and i would get confirmation when they issued a payment. Well now i have gotten that official confirmation in the mail today from the irs dated for XX/XX/2020 that my payment of {$2400.00} was sent by direct deposit. So officially i don't think the irs is at fault here and i have gotten no answers from paypal what is the problem in receiving this direct deposit that should have been deposited weeks ago. I want my money and i want to be done with paypal this is not the first time i have had issues with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 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: PR

Complaint narrative:
There is an unauthorized inquiry on my credit report from XXXX on XX/XX/2019. I have written to Equifax and they have not responded to my claim. I have placed a fraud alert on my credit report to deter possible future fraudulent inquiries and account openings.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
In XXXX of 2019, I called Santander Consumer inquiring about refinancing. I was informed that they do not refinance by the representative and shortly after that I started receiving missed payment notifications on my credit report. My credit score started off in the low XXXX 's and now is in the mid XXXX 's. The main reason as to why I called about refinancing was because my interest rate is high. I have worked diligently to change that and I have. I have called them on several different occasions on this matter but have had no response on this particular matter. No one will refinance me now because I show have recent late payments. I have paid my bill the same way since starting the loan. I never received any mail regarding in delinquencies on my account primarily because they have been reluctant to put real address on any of my mail. The dealership, Santander Consumer, and the credit bureaus all have been made aware of my address being incorrect. No entity has corrected it yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 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: OH

Complaint narrative:
I have been having the biggest issue with XXXX XXXX. I have held many mortgages and have never been late in over 30 years. I already hate that my mortgage keeps being sold to a different company every time I look up and each company is harder to deal with. In XXXX of XXXX my mortgage was sold to XXXX XXXX. XXXX XXXX  charges a fee to pay online, and a fee to pay over the phone so I send my payment through the mail which is my normal process anyway but I have never seen a company charge to pay online. I mailed my payment as I always have in XXXX of XXXX and when I noticed they still didn't take my payment out of my account, I called them via phone on XX/XX/XXXX and was advised to give it a few more days because it would be a charge to stop payment on the check, a charge to pay it over the phone and a late fee. I stated I have never had a payment lost in the mail and that it would be up to a supervisor to waive the late fee. Still no payment was deducted out of my account so I then paid through the automated system and had to pay a fee, and was charged a late fee. I am very disappointed with how I was treated by this new company that can clearly see I have stellar payment history and always have for over 30 years as I have owned multiple homes. XXXX was unreasonable for a true and honest issue that was clearly out of my control. I have never had a payment lost in the mail before and I pay majority of my bills through the mail. XXXX XXXX keeps calling me to ask if I want to refinance with them. They refuse to resolve the issue that occurred with my account. I have had my mortgage on this home since XXXX and I have NEVER had a late payment and I want it removed. This is my XXXX home in 30 years and I have NEVER had an issue like this before. I have called and wrote letters and have been unsuccessful in getting this resolved.

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 2020-05-22 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: CA

Complaint narrative:
I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THERE WERE ACCOUNTS THAT WERE NOT MINE AND ACCOUNTS THAT WERE NEVER LATE PLEASE REFER TO THE ATTACHED ID THEFT POLICE REPORT AND DELETE THE BELOW ACCOUNTS UNDER ACCOUNTS TO BE DELETED. 
I ALSO NEED THE SINGLE ACCOUNT LISTED TO HAVE THE LATE PAYMENT HISTORY AMENDED TO NEVER LATE I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THAT THERE ARE MULTIPLE ACCOUNTS APPEARING ON MY FILE THAT ARE NOT MINE. THE ACCOUNTS LISTED BELOW UNDER ACCOUNTS TO DELETE, ARE NOT MY ACCOUNTS. 

I HAVE SENT DISPUTE LETTERS ON XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, AND XXXX, BUT TO DATE I HAVE NOT RECEIVED AN INVESTIGATIVE RESULTS REPORT. ALL THE GIVEN DISPUTE LETTERS ARE IN VIOLATION OF THE FCRA DEADLINE DATES TO RESPOND TO A DISPUTE AS OUTLINED UNDER THE FCRA. YOUR FIRM COMMITTED ELEVEN 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE FCRA STATUTES.

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 2020-05-22 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: NY

Complaint narrative:
These are not my accounts or inquires.

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 2020-05-22 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Received a loan you didn't apply for — 
Company: WHEELS FINANCIAL GROUP, LLC.
State: UT

Complaint narrative:
Someone applied for a title loan in my name the car as far I know has been totaled. There keep trying to collect from me I've sent them information on ID theft and it wasn't me. They still are trying to collect on something I didn't even do. XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 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: NY

Complaint narrative:
These are not my accounts or inquires.

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 2020-05-22 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: NY

Complaint narrative:
These are not my accounts or inquires.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 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: AR

Complaint narrative:
I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasnt approved so it prompt me to check my credit report. These items listed are not mine and need to be removed.EQUIFAX XXXX {$130.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Service Bureau
State: AZ

Complaint narrative:
On XX/XX/2020, I received a notice in the mail from Professional Service Bureau. I sent, by Certified Mail, a request for this debt collector to send me proof of the debt. The did not send this proof to me, but continued to try and collect the debt, by sending me a second letter for the debt. According to Federal law, when they received this first notice from my by Certified Mail, they should have ceased all collections for this debt until they provided and proved the debt was mine, in accordance with Federal law.

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 2020-05-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RENASANT CORPORATION
State: AL

Complaint narrative:
My complaint is that Renasant Bank could not or would not answer my questions concerning providing proof of sufficient flood insurance coverage for my condo A letter from Renasant Bank dated XX/XX/XXXX states that I need to provide additional food insurance or they will purchase a policy to cover, which will increase my monthly mortgage payment. However, they did not state the minimum requirements, therefore I cant due diligently obtain their minimum requirements. 
I called numerous times today XX/XX/XXXX asking for help and was passed around several times and mostly back to the automated system which doesnt tell me anything. I finally asked one of their representatives to stay on the line until I get to the right person to help. He also was led to the wrong departments as well. The Renasant representative finally sent me to FEMA Map & Insurance exchange, XXXX, file # XXXX. FEMA sent me to the Federal Reserves Board, XXXX and they sent me to the appropriate agency which now I am lodging a complaint with CFPB. 
All Im asking for someone to explain to me exactly what the gap is and other questions so that I can be compliant Note that Renasant has all the attachments in this complaint Additionally, the website provide comes up as a potential security Risk so I was unable to pull any information concerning this issue

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 2020-05-22 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: AR

Complaint narrative:
I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasnt approved so it prompt me to check my credit report. These items listed are not mine and need to be removed.XXXX XXXX {$130.00}

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 2020-05-22 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: AR

Complaint narrative:
I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasnt approved so it prompt me to check my credit report. These items listed are not mine and need to be removed.XXXX XXXX {$130.00}

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 2020-05-22 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: AR

Complaint narrative:
Ive been cosistent paying my bills on time. I'm saying this because I went XXXX XXXX the other day and applied for an account. I got approved but with a {$400.00} deposit. I dint understand until I checked my credit report. I see a couple of items that are not mine. These items need to be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 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: CO

Complaint narrative:
-I purchased item on XX/XX/XXXX from XXXX. 
-Seller shipped wrong specification of item, and I notified seller that I would not accept the delivery if seller did not cancel order -Item was still delivered to XXXX, CO, USA via XXXX via tracking # XXXX -Item was signed for via neighbor without permission, at fault of shipper XXXX  ( please see emails from XXXX on XX/XX/XXXX, alongside voicemail transcripts ) -Given this, shipping service picked up package from neighbor, and returned to seller. 

To summarize : this is an item that I am not currently, nor ever have been in possession of item. 

This billing dispute has been reverse/and re-opened several times since initially opened in XX/XX/2020, and have spoken to CITI multiple times per week ( alongside supplying all documentation from shipper that item was XXXX ) however they have not made any further assistance on billing dispute, and feel as though CITI is not doing due diligence on resolving charge

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 2020-05-22 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: CA

Complaint narrative:
I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THERE WERE ACCOUNTS THAT WERE NOT MINE AND ACCOUNTS THAT WERE NEVER LATE PLEASE REFER TO THE ATTACHED ID THEFT POLICE REPORT AND DELETE THE BELOW ACCOUNTS UNDER ACCOUNTS TO BE DELETED. 
I ALSO NEED THE SINGLE ACCOUNT LISTED TO HAVE THE LATE PAYMENT HISTORY AMENDED TO NEVER LATE I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THAT THERE ARE MULTIPLE ACCOUNTS APPEARING ON MY FILE THAT ARE NOT MINE. THE ACCOUNTS LISTED BELOW UNDER ACCOUNTS TO DELETE, ARE NOT MY ACCOUNTS. 

I HAVE SENT DISPUTE LETTERS ON XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, AND XXXX, BUT TO DATE I HAVE NOT RECEIVED AN INVESTIGATIVE RESULTS REPORT. ALL THE GIVEN DISPUTE LETTERS ARE IN VIOLATION OF THE FCRA DEADLINE DATES TO RESPOND TO A DISPUTE AS OUTLINED UNDER THE FCRA. YOUR FIRM COMMITTED ELEVEN 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE FCRA STATUTES.

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 2020-05-22 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: CA

Complaint narrative:
I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THERE WERE ACCOUNTS THAT WERE NOT MINE AND ACCOUNTS THAT WERE NEVER LATE PLEASE REFER TO THE ATTACHED ID THEFT POLICE REPORT AND DELETE THE BELOW ACCOUNTS UNDER ACCOUNTS TO BE DELETED. 
I ALSO NEED THE SINGLE ACCOUNT LISTED TO HAVE THE LATE PAYMENT HISTORY AMENDED TO NEVER LATE I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THAT THERE ARE MULTIPLE ACCOUNTS APPEARING ON MY FILE THAT ARE NOT MINE. THE ACCOUNTS LISTED BELOW UNDER ACCOUNTS TO DELETE, ARE NOT MY ACCOUNTS. 

I HAVE SENT DISPUTE LETTERS ON XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, AND XXXX, BUT TO DATE I HAVE NOT RECEIVED AN INVESTIGATIVE RESULTS REPORT. ALL THE GIVEN DISPUTE LETTERS ARE IN VIOLATION OF THE FCRA DEADLINE DATES TO RESPOND TO A DISPUTE AS OUTLINED UNDER THE FCRA. YOUR FIRM COMMITTED ELEVEN 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE FCRA STATUTES.

Company response to consumer: Closed with explanation