vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-10 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:
Discover NON-Suited any debt they thought i owed them. 
I REQUEST assistance with Creditor and ALL 3- REPORTING AGENCIES ... I want this collection DELETED off my report. 

CASE DISMISSED - XX/XX/2021. 
I DO NOT OWE DISCOVER. 

REQUEST= MAKE XXXX XXXX TRANSUNION AND XXXX REMOVE THIS NEGATIVE COLLECTION OFF MY 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 2021-05-10 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: TX

Complaint narrative:
XXXX  NON-Suited any debt they thought i owed them. 
I REQUEST assistance with Creditor and ALL 3- REPORTING AGENCIES ... I want this collection DELETED off my report. 

CASE DISMISSED - XX/XX/2021. 
I DO NOT OWE XXXX. 

REQUEST= MAKE XXXX , XXXX AND EQUIFAX REMOVE THIS NEGATIVE COLLECTION OFF MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 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: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
I have received a copy of my credit report and it shows company PORTFOLIO RC ( Original Creditor : 08 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$2800.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have received a copy of my credit report and it shows company XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$840.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

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 2021-05-10 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: NC

Complaint narrative:
I have reviewed a copy of my credit report and I show company XXXX account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.

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 2021-05-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
Several attempts have been made to resolve with both the seller, XXXX and PayPal ( guaranteed protection money ) to no avail. 
On XX/XX/XXXX XXXX I saw an ad for patio furniture. I bought using PayPal to ensure protection value ( receipt provided ) XXXX XX/XX/XXXX XXXX I went to the email confirmation to check tracking information. Clicked on Order # XXXX, this link directed me to store details, immediately it then directed me to a Store Fraud link ( screenshot below ). I emailed the seller contact listed to CANCEL ( XXXX ). I contacted PayPal XXXX and filed Case # XXXX stating Unauthorized Transaction ( since i canceled ). I received another receipt email stating Payment CANCELED ( screenshot below ) XX/XX/XXXX XXXX I went to PayPal and found that they closed the case stating it was not unauthorized. I had received a Failure-Notice email on that contact email provided. 
I re-Opened another case XXXX with PayPal XXXX explaining the situation and providing documentation.PayPal closed that one stating seller provided proof of delivery and tracking number. 
Immediately, I contacted XXXX to trackdown this supposed delivery. XXXX provided me with the tracking # details and researched the issue. Stating that it is obviously fraud, as the valid proof delivery details are BLANK and never delivered to me. 
I opened another PayPal XXXX Case # XXXX and provided everything from XXXX. 
XX/XX/XXXX XXXX PayPal closed the case again with NO EXPLANATION ( Not eligible? ) XX/XX/XXXX XXXX I tried to open another case # XXXX to dispute the status results and they automatically defaulted the case to Closed. NO Explanation This company is supposed to have a protection plan for the consumer from online Fraud just like this scenario. I have an ample amount of evidence supporting this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-10 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: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
I have filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

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 2021-05-10 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: DISCOVER BANK
State: LA

Complaint narrative:
I have filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: GA

Complaint narrative:
A collections company is trying to collect on a debt that was already removed by XXXX & XXXX. Not sure why this company is reporting on XXXX. I need this to be resolved by removing this off my XXXX report.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-10 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: Mar Joe Enterprises
State: TN

Complaint narrative:
After viewing my credit report, I have found an account that I have never applied for credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: BBVA FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am a XXXX homeowner, upon the state of FL shutting down my business due to the pandemic in my most lucrative months of the year. I accepted the forbearance to lift the burden of my financial struggle to pay my mortgage. Upon completion of my forbearance I went thru an agency for assistance to pay the forbeared amount. My Servicer would not respond to the correspondence sent by the agency to obtain payment information as confirmation of my default status with my written permission attached. The agency reached out via fax, email, and mail from XX/XX/XXXX XX/XX/XXXX as a result due to no response of the servicer receipt of payment info the agency cancelled my approval and gave to another in need due to the high demand of many in my same situation. This assistance would have help yet the servicer refusal and lack of response has me in a bigger financial struggle. When I call no one can tell me anything I have been asking for my investor for over a week and the agent could not answer or knew. This is uncomfortable to say the least and the servicer is making it difficult to receive the help that is needed to resolve my hardship now that I am back to work. Until the economy is back in full operation my business will and has suffered however my kids and I should not suffer due to the lack of this servicer. I am and have been financially impacted by COVID and the servicer is giving me the runaround. No help at all just causing more unnecessary stress

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 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: NC

Complaint narrative:
I have received a copy of my credit report and it shows company XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$6000.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mountain West Financial, LLC
State: CA

Complaint narrative:
I refinanced my mortgage at the end of XXXX. The management was transferred from XXXX XXXX to Mountain West Financial ( MWF ). I had zero issues in the handling of my mortgage and escrow account when XXXX XXXX was managing, but Mountain West Financial has been nothing but headaches. 

As an overarching note for the below examples, all of these payments were pre-funded in my escrow account, and should have been paid from this account. 

XX/XX/XXXX - I received an overdue notice for my Property Tax Bill from my county. The company representative told me I might be responsible for paying the penalty amount, and that it would be taken from my escrow account. 

XX/XX/XXXX - I received a notice that my Hazard Insurance hadn't been paid and was going to be cancelled. I contacted MWF who told me they freeze all escrow account for 60 days after a new mortgage is taken on. This was never shared with me during the paperwork. They then told me to pay out of pocket for the insurance to prevent it from lapsing. They told me they'd initiate an " escrow review '' so I could receive money from my escrow account that I'd now paid out of pocket. It is now 3 months later ( XX/XX/XXXX ) and I have called back twice to check the status. Each time they mark it as complete, show an overage on the balance, and take no further action. Those are the direct notes that were read back to me from their representatives. 

XX/XX/XXXX - MWF ordered and cancelled insurance on my behalf for the hazard insurance they failed to pay. 

XX/XX/XXXX - MWF put the wrong dates in for my hazard insurance ( expiring in XXXX instead of XXXX ) and sent me another notice that they'd be purchasing insurance on my behalf. 

I have spent close to 8 hours on the phone trying to clean up the mess MWF has caused my accounts due to their terrible mortgage management structure. The representatives have all been very courteous and ( seemingly ) helpful on the phone, but nothing has been taken care of since these issues started arising. It is a perpetual game of " check in with us in 10 days '', only to find nothing has been done.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-10 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: SC

Complaint narrative:
In mid XXXX of XXXX, I got a balance notice text of almost {$700.00}. 
I immediately got online to see what the charges were since I had a XXXX balance for almost a year. NONE of the charges were mine. They were made on XX/XX/XXXX and XX/XX/XXXX, when I was with everyone that had access to my card was with me. I got home from work and the card was put away with in a safe with all my other cards I do not use. I do need to mention that this card expired XX/XX/XXXX and I had not received a replacement card nor did I activate one. I got on the app to file a fraud claim AND I called. They said they would investigate it. On XX/XX/XXXX, I received a letter saying they were closing my case and I still owed {$350.00} because the card had be used with the chip. I called BACK the same day, and opened up ANOTHER fraud case. 
On XX/XX/XXXX, I got an email from CITI asking was a charge mine, it was not. It has another woman 's name AND address on it. So one can assume this is the person who made the charges. I replied back stating this was not my charge and I did not give her permission to use my card. CITI said they would be in touch. The only time they got in touch was to tell me I was past due on my account. Which I WILL NOT pay. 
After nothing from them for months I called back on XX/XX/XXXX and they told me I had to dispute all the charges AGAIN. Then I get a letter on XX/XX/XXXX stating the same as the first letter that I was responsible for the charges. I don't know HOW they used the card when I clearly had it locked up but I did not make the charges. CITI knows who made them and they should go after them for the monthly payment. 
I am at a loss on what to do. Is there anything I can do to save my credit score at this point and get this wiped off. All I can talk to at CITI is data entry people and no one from security will reach out to me for help.

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 2021-05-11 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: KY

Complaint narrative:
I have requested they investigate several accounts that are being reported incorrectly. I have mailed letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. There are more dates but I feel this shows my attempts to work with them. My requests were to investigate and provide me details of the investigation. I requested them to delete the account based on they are reporting incorrectly. All I get is responses based on them submitting codes. No investigation ever happened. They have never provided me details of an investigation.

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 2021-05-10 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: NC

Complaint narrative:
I have received a copy of my credit report and it shows company XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$1500.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have received a copy of my credit report and it shows company XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$1500.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

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 2021-05-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
After viewing my credit report I have found an account that I have never applied for credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 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: The CMI Group, Inc.
State: TX

Complaint narrative:
On today XX/XX/2021 I contacted the offices of Credit Management , LP to speak with a representative regarding a collection account listed on my credit report. While speaking to the agent and asking questions regarding the account she continually became upset. I asked several times was there someone that I could contact via email she then intentionally disconnected the call in the midst of me speaking. Before hanging the phone up in the middle of the discussion I tried asking for her name and or representative credentials, she declined. She repeatedly asked me to verify an account that Ive notified Credit Management and the original creditor XXXX XXXX was a fraudulent account. I also spoke with a fraud department representative of XXXX XXXX who asked for a police report that I could not provide because I no longer reside in XXXX and the police department here in XXXX notified me that the account is too old and the police report should be filed in XXXX the original state where the fraudulent account was opened. Ive asked Credit Management on numerous occasions for validation of this said debt whether it be my signature on any original documents or my drivers license along with any documentation proving that I did intact open this account with XXXX XXXX. None of this could be provided to me. This would be my fourth attempt at handling this derogatory account with both the original creditor and the collection agency. Ive filed a previous complaint with the CFPB which in response Ive noticed an update on XX/XX/2021 where the account is now being listed as closed with a balance on my credit file, not removed. However, although they ( Credit Management has closed the account according to my credit report I received a letter today dated XX/XX/2021 from Credit Management regarding payment on this now closed account. Ive spoken with several different representatives of Credit management and Ive also reached out to XXXX XXXX on XX/XX/2021 to resolve this matter. To which each attempt has been unsuccessful. Although this debt is not mine and nor can any documents be provided for validity of this information Ive offered to settle the account with the hopes of having the account permanently removed from my credit report for inaccurate and not factual statements, this was also denied.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
on XX/XX/2021, LVN funding LLC add a derogatory mark on my credit report per XXXX XXXX. upon, further research, this account was transferred/ sold and i am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was No written form of communication. contract or signature for this accused debt at all A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, LVN funding has Violated my rights as a consumer and i'm requesting legal action to removed this account immediately.

Company response to consumer: Closed with explanation