vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-21 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: TX

Complaint narrative:
I have been trying to dispute some accounts that is on my credit report that been impacting me very negatively. The accounts on the report was incorrect or inconsistent. I have ask them investigate those account multiple times they have yet responded to me on if the accounts was verified or accurate. They havent example where they verified or showed proof of any accuracy nor have they told how they are communicated with the creditors who are reporting these accounts. 

Below are the accounts : XXXX XXXX XXXX XXXX XXXX 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 2021-07-21 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:
XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL 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 2021-07-21 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:
XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
PayPal took {$2300.00} from my balance after 180 days of it being held on XX/XX/2021. 

PayPal Email : XXXX Transaction ID : XXXX PayPal claims I broke there User Agreement Policy when I am a registered seller in XXXX and sold legal digital goods on a massive marketplace called XXXX. PayPal is one of XXXX 's main payment gateways and has been partnered with them for years. There is no reason why I should have been banned by using there platform. I wish for them to return the money they have taken from my balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Tower Loan of Mississippi, Inc.
State: MS

Complaint narrative:
Tower Loan calls my phone and sends out multiple pieces of mail reminding me that I am late on a payment. The call multiple times a day, almost every day of the week. This ia harassment, im not even 2 weeks overdue and im scheduling a payment today. I have no plans to default or fail to repay. They are however harassing me and calling over and over is unacceptable and I believe it is against the 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 2021-07-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureaus are having data and system issues. I decided to look at my credit reports from the 3 major credit bureaus and found that this LVNV FUNDING was reporting to be negative on XXXX and XXXX. I have disputed the fraudulent information from my credit report. 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 have done many attempts to reach out to the Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Self Financial Inc.
State: CA

Complaint narrative:
My name is XXXX XXXX and I am inquiring about an account thats noted on my XXXX Credit Report. I have called XXXX to inquire about that account and they gave me your info to contact you. I then contacted your bank and they have no info on the account and what it pertains to. It is critical that I obtain written confirmation saying that account isnt mine or whatnot from you in order to removed it from my credit report. May you please respond back as soon as conveniently possible. My XXXX XXXX husband is getting XXXX soon and its vital that we close on this pending house for our children and I so that he can be at peace while hes XXXX. We have been calling around to find out more about that account thats opened under my name because I have no recollection of ever opening an account with XXXX XXXX XXXX. Thank you so much for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 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: NY

Complaint narrative:
They are reporting an old account as late when the account was paid into good standing and then closed. 

I have called multiple times and filed multiple disputes but nothing has changed. 

I called the creditor and they said they the account was settled into good standing and closed and that it shouldn't show a late payment on my credit report Account Name : XXXX XXXXXXXX XXXX XXXXXXXX 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 2021-07-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: MA

Complaint narrative:
SLS MORTGAGE COMPANY TOOK IT UPON THEMSELVES TO PUT OUR MORTGAGE INTO FORBEARANCE, WITHOUT BEING ASKED, WITHOUT HAVING THE COURTESY TO REACH OUT TO THE HOMEOWNER! 

SLS MORTGAGE COMPANY COMMITED FRAUD WE DID NOT AUTHORIZE OR ASK FOR ANY HELP! THEY NEED TO BE HELD ACCOUNTABLE FOR THEIR ILLEGAL ACTIONS! 

I WILL CONTACT ALL MEDIA OUTLETS AND REPORT THIS MATTER AND GO INTO DETAIL AND I WONT STOP UNTIL THIS BANK IS STOPPED AND MY HOME OF 50 FIFTY YEARS WILL REMAIN MINE!

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 2021-07-21 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: NAVY FEDERAL CREDIT UNION
State: OH

Complaint narrative:
On XXXX XXXX I sent a credit validation letter was sent to Navy Federal Credit Union asking them to provide me with a contract that show my wet signature connecting me to the an account that is XXXX, XXXX  and XXXX  credit reports, in the amount of {$3900.00}. On XXXX XXXX I received a letter in the mail stating that the account is " verified. '' My request was not granted, and sending a stall tactic saying that the debt is verified without showing how it was verified is a violation, according to the 15 USC 1692 -1692p. 


Also, on XXXX XXXX I sent a credit validation letter to XXXX XXXX XXXX XXXX another account that is fraudulently listed on my credit report. I was unsuccessful with getting a response from this company. So, I called this company on XXXX XXXX and was told that they do not have a contract with my wet signature, however the debt is verified. I never received anything in the mail regarding my request and this account is only being listed on my XXXX  credit report, which is indeed a violation, since each bureau should mirror one another. 


Additionally, An account listed with XXXX XXXX XXXX XXXX who's a debt collector for XXXX XXXX XXXX XXXX  is being reported to XXXX, XXXX  and XXXX. This account appears to be a medical bill. I reached out via phone to this company on XXXX XXXX and explained that this is a HIPPA violation, and this account needs to be deleted immediately and no information should be shared to any third parties in the HIPPA law. The representative was noncompliant and hung up the phone. 


Finally, There is an account listed on my XXXX  credit report with no original creditor or collection agency being reported, by having this misinformation I was unable to contact the company directly. I contacted XXXX  and the representative stated that she was unable to remove the account, and I had to dispute it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
I have requested on numerous occasions to see a detailed, itemized bill for why I owe this debt, but the company has not provided this information. They also have sent me several low settlement offers but when I call, they tell me the settlement has expired and I have to pay the full amount. They refuse to allow a settlement despite what they send me in the mail, nor will they provide details on what this debt is for. Not only do I want an itemized bill, I also want proof that the itemized bill is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
I purchased a new vehicle using a TD Auto Finance Loan. Their website is the primary bill pay mechanism. When you go to set up autopay the ONLY OPTION is to pay the exact monthly payment amount. You can not set up an autopay schedule to contribute MORE than the monthly minimum payment. This is CLEARLY SET UP TO MAXIMIZE THE COMPANY 'S PROFIT. I tried calling TD Auto Finance to set up an autopay amount greater than my monthly minimum payment which would benefit me, the consumer, by reducing the principal and thereby the total interest owed. Further, the website is confusing for most users as it tries to give you the option of applying any excess payment to next month 's minimum payment rather than the principal. TD Auto Finance is preying on unsophisticated borrowers and creating artificial barriers to reducing overall costs to people financing vehicles.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
Theres been a collection on my account that Ive been trying to dispute for fraud and somehow its still appearing on my credit. Im not aware of the account from midland funding.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Capital Link Management, LLC
State: FL

Complaint narrative:
Capital link and management has phoned my number repetitively, 3 times today alone leaving intimidating messages on my answering machine beginning at XXXX XXXX  for a XXXX XXXX, although being told they have the wrong number this has continued. The number is XXXX. After contacting them 3 times today they are telling me there is nothing they can do, unacceptable!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Certegy Holdings, LLC
State: PA

Complaint narrative:
Certegy declined a check at XXXX on XXXX I have written checks at XXXX prior to this past year- I am a customer since the store opened. It is a business account and has ample funds. No one at Certegy could tell me exactly why my check was declined. I provided my drivers license. I have not been in the store for over a year due to COVID 19. I have a great credit score, own my home and vehicles. There is absolutely no just cause to decline my check at a store that I have a good relationship with. I have never had a check declined in my entire life until yesterday. It was embarrassing and wasted hours of my time trying to get a valid reason why. This company isn't doing XXXX and favors and will likely cost them, customers.

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 2021-07-21 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 have expressed my concern with misleading information being report to consumers. A few months ago Transunion was continuing to report an item that was requested to be deleted from my credit report at the request of a creditor. The company mailed to me copies of the requested deletion. 
Transunion report credit scores XXXX points below other companies. 
Transunion is presently reporting and item that show no available information. Transunion report is reporting a debt of XXXX. That was in the center of the Pandemic when everything was closed and no business was being conducted in my area. I believe the federal government stop any items from being reported during that time frame. 
Another item listed has a XXXX balance Transunion is being reported it as a debt. There was any item of a credit card debt. The credit card was had not been used. My bank contacted Transunion at least twice to request for those items to be deleted. 
I am unsure why there are always so many errors reported through 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 2021-07-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: OneMain Finance Corporation
State: NC

Complaint narrative:
The company contacted my family member and discussed my debt. I have a text message from an non blood related uncle discussing my account number and balance and pay off options.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XX/XX/XXXXClaim reversal : XXXX XXXX XXXX  XXXX XXXX XXXX NY XX/XX/11 ClaimId : XXXX ( ... XXXX ) ATM transaction {$270.00} {$340.00} The following item was disputed because I paid in advanced for that I no longer be getting. I ask for my money and there should not be any reverse of charges of my was disputed justification I will like my money bank now

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: TX

Complaint narrative:
This is a formal complaint against Robinhood Markets , Inc. for the failure of their customer service department to resolve my debit card usage issues and for freezing my checking account twice without stating the reasons why. I am on vacation in XXXX with my XXXX debit card from XX/XX/XXXX to XX/XX/2021. To my knowledge, Robinhood doesn't require a travel notice as long as the card is used in permitted countries - XXXX is permitted. I successfully completed a single in-store transaction without a problem and then I proceeded to attempt an ATM withdrawal with a Colombian bank named XXXX XXXX XXXX XXXX over two weeks ago now ). This is when Robinhood locked my account due to what they described as XXXX suspicious activity XXXX  and they then required that I upload the front and bank of my driver 's license to prove my identity - I did so via their mobile application and the desktop version. The verification of my own identity was never acknowledged by their customer service staff (  although they did unfreeze my account at this point ). Matter of fact, they then ran with a wild idea that my XXXX XXXX account had been hacked without providing any evidence - and this was/is definitely not the case. Robinhood adds insult to injury because all email correspondence involves a different agent that basically starts my case back at square one, rather than a single dedicated agent that is well informed and carries me forward. They offer no phone support and no live chat. At this point, I don't even get email correspondence anymore. They have ceased all communication with me present day. Completely enraged by their lack of customer service, I tried to withdrawal my current checking account balance of {$1900.00} USD as an ACH transfer to XXXX XXXX XXXX in preparation of account closure with XXXX. XXXX rejected my request for withdrawing my money to XXXX XXXX XXXX on XX/XX/2021 and they froze my account again. This most recent event is what motivated me to file a formal complaint with the CFPB. Robinhood is holding my funds XXXX at this point without providing any reason why.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
HI CRA ; EXPERIAN, XXXX ; ***See attachments*** I'm a little shocked and dismayed that this public still is reporting on my credit report even after i reached out the the credit reporting agencies several times, and it comes back as verified as accurate. Well, therefore, i took upon myself to contact the bankruptcy court which also confirmed that they do not report any information to any of the credit reporting agency. I then called credit bureaus which they said that it came from supplement credit reporting agencies such as XXXX. I then contacted XXXX, which I've attached the letters stating that they can't even find it in their entire data. I'm confused now. It's still reporting with multiple inaccuracies, misleading and incomplete information. Therefore it's impossible that it can be verified. Equifax went ahead and immediately deleted from my credit report. 

This is a violation of my consumer rights and i need this information removed from my credit report. I was made aware it may have come from a 3rd party furnisher XXXX XXXX. I contacted XXXX XXXX with my address, full name and full social security and they do not have any record of me on file. As you well know it is a violation of the Fair Credit Reporting Act to report erroneous, misleading, and incomplete information on a credit report, also, especially, when it contains multiple inaccuracies on reporting. I ask that you remove that BANKRUPTCY and delete it expeditiously from my credit report under the provisions of FCRA 609 ( e ) ( 15 U.S.C. 1681g ( e ) ) ..

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