vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NEW YORK COMMUNITY BANCORP INC
State: CA

Complaint narrative:
I have previously submitted a complaint and would like an additional review and response. 
CFPB Complaint ID : XXXX As was stated in the response to the complaint ( attachment XXXX ), I did apply for the COVID forbearance, and it was completed on XX/XX/2021. As a result of the forbearance and unprecedented financial burden that my family underwent during XXXX, {$29000.00} was added to my balance at the end of the forbearance period. 

In the response letter ( attachment XXXX ) it states that this was due to past due interest and escrow. However, it was not clarified as to why the XXXX XXXX XXXX XXXX did not notify me at any time that this would be the case. During my forbearance period, I spoke to the XXXX XXXX Department numerous times, and they assured me that I would not be charged during my forbearance and that at the end of my forbearance period, the balance would be adjusted. I was informed that the length of my loan would increase, not that my balance would increase. Since all calls are recorded, can you please review each of my phone calls with your representatives during my forbearance period in order to ascertain that what I am stating is true? In addition, letters such as attachment XXXX, only reassured me that I would not incur any additional charges. Those letters should have clearly stated that I would incur interest and escrow charges at the end of my forbearance period. 

Also, in the response letter ( attachment XXXX ) it states, " since you accepted the modified loan terms to bring your account current ... '' I would like to clarify that I was required to accept the modified loan terms in order to bring my account current. That was the only option provided to me. I did not want to accept it, but I also received a letter ( attachment XXXX ) that my modification agreement will prevent " the referral of your loan to foreclosure. '' I felt compelled to agree with the loan terms that I did not agree with, in order to avoid further delinquency and possible foreclosure. 

As a result of the misinformation and lack of information provided to me by Flagstar and the XXXX XXXX XXXX XXXX, I incurred a balance that is almost {$30000.00} higher than my original loan.

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 2023-01-06 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Hello, To whom it may concern, I was a victim of identify theft and I found out in XX/XX/XXXX. There were three inquiries that were made and some credit cards were closed. The following are the inquriries that are still showing up on my credit reports as of today : 1. Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was advised by the XXXX XXXX to contact the banks for the inquiries listed above so that they can contact the bureaus. I spoke to XXXX on XX/XX/XXXX and they advised me that they have previously sent a letter to the bureaus to let them know this account was fraud months ago. As of now, the inquiry was never removed. XXXX in particular was a company that had an open line of credit which has since been removed. So why did the account get removed but not the inquiry? 

For XXXX XXXX, I spoke to them on XX/XX/XXXX and they advised me that the inquiry should fall off from the credit report as of next month because they had failed to successfully closed the account that I had fraud on. 

Lastly, XXXX XXXX XXXX XXXX XXXX was a company I called and they told me that they do not have my social security on file and that I should reach out to Equifax to have this removed which I already did but they have failed to do so. I submitted a dispute and they have failed to solve my problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 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: AZ

Complaint narrative:
I have sent dispute letters and validation letters but have not gotten any response. This information needs to be corrected or validated and if not deleted and removed promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 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: AZ

Complaint narrative:
I have sent dispute letters and validation letters but have not gotten any response. This information needs to be corrected or validated and if not deleted and removed promptly.

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 2023-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount GR Holdings, LLC
State: NC

Complaint narrative:
XXXX XXXX XXXX ( later renamed XXXX XXXX ) charged us almost $ XXXX for a solar installation which we got a loan for. GOODLEAP paid for it and XXXX XXXX XXXX breached contract, shut down multiple systems country wide, refused to come fix our unit and then filed Bankruptcy. Now we have a solar loan payment for a solar system that does not work, nor will XXXX honor the warranties of their products that were installed by XXXX XXXX XXXX, but rather sent us a list of other solar providers to call. They are all hours away from us. Now our energy bill is back up and our XXXX payment is just insult to injury. GOODLEAP stated that the counter suit of the customers of XXXX XXXX XXXX will liquidate the assets in court and should pay for it. Meanwhile we are supposed to wait and keep paying but thats not right. If we stop payment it will affect our credit and we will have to dispute the debt there too. Complains have already been filed with XXXX XXXX XXXX and XXXX, whom advised to ask GOODLEAP for debt forgiveness or a lowered pay off, which I was willing to consolidate our debts to pay off. GOODLEAP has refused to help, to relieve any of the debt and told us just to wait. That does not sound smart to me. I am joining thousands of other horrified clients of GOODLEAP and XXXX XXXX XXXX who think it is sinful what these companies have done, and their working relationship is questionable from the beginning, looking back. It is not all on us, the consumers, to have to jump hoops and bend over backward to attempt reaching any resolve or find helpful information beyond what has been presented. 

GOODLEAP should be the one to pursuit repayment of this debt that they paid XXXX XXXX XXXX for our non functional installation. They can get their money back from the XXXX  themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
EQUIFAX INFORMATION SERVICES, XXXX. 
XXXX XXXX XXXX XXXX, GA XXXX RE : INQUIRY REMOVAL Dear Sir or Madam, While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize anyone employed by these companies to view my credit report or make any injury to my credit score. I did NOT benefit from these inquiries on my credit report and I did NOT authorize these companies or EQUIFAX to negatively impact my credit score. 
I demand that they be deleted. 
This constitutes as fraudulent activity due to the unauthorized use of my credit card. In addition, I did not give you EQUIFAX permission to furnish this information onto my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity but is a serious breach of my privacy rights. 
Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. 
I also demand you, EQUIFAX to produce a contract between you and I, consumer, bearing my signature showing that I gave you permission to furnish any information on my behalf. 
In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to produce the requested contract and to complete this investigation, as per the Fair Credit Reporting Act section 611.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Firstsource Business Process Services, LLC
State: NY

Complaint narrative:
Continuous calls for a debt for someone not in household. Told no one here by that name and calls continue. Claim to be First Source Advantage. XXXX  was the caller this time.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SinglePoint GI
State: MI

Complaint narrative:
My name is XXXX XXXX XXXX XXXX, I am the original creditor, natural person, and consumer moving in commerce on behalf of my estate. I have been reaching out to this Collection agency, demanding that they delete all of my information out of there system because they are a third part company that I never did business with. I never gave them consent to have any of my information. They are infringing on my privacy. They are regulating under the FDCPA, in which they are violating there laws. This is abusive practices because this in hindering my lively hood. I never gave them written consent to have any of my information. 15 U.S. Code 1692b - Acquisition of location information- ( 2 ) not state that such consumer owes any debt ; I called them 56 times today every call they stated that they were attempting to collect a debt. Therefore they are violating my rights. I also demanded that they delete all of my information out of there system. And everytime they refused that they wouldnt, and told me I had to pay. Those responses made me feel that I am being extorted and if I dont pay them I am going to continue to be forced to be stagnant in life because this collection is hindering my well being. ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. Also, ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. 

( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; or

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
I call vanella gift card dispute number I send a form is been 6 months and they haven't solve the issue, keep telling to fill out the form and call back with a week vanilla gift cards

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
ALL THE ACCOUNTS I LIST HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

ALL THE ACCOUNTS IN THIS MESSAGE BELOW HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also States A consumer Reporting agency can not furnish A account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-01-06 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
As of XX/XX/2023 the Consumer Finance Protection Bureau along with the XXXX major credit companies including agreed to no longer show medical debt under {$500.00}. It is now XX/XX/XXXX and this debt still shows on my credit report. The account I am disputing is a medical bill under {$500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 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:
XXXX Bank incorrectly opened a credit card and bank checking account on my behalf. The bank had my information as part of its acquisition of XXXX 's retail bank, however, I had closed and paid off all accounts with XXXX prior to the acquisition. 

XXXX  claims that I owe them XXXX dollars in credit card fees. They never contacted me about this, and I only learned of the opened accounts when I applied for a mortgage at XXXX. XXXX informed me that there was a charge off from XXXX for XXXX dollars. 

Even if XXXX incorrectly closed my accounts, there is no way that I could have know that I owed XXXX dollars to 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 2023-01-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: KY

Complaint narrative:
On XX/XX/XXXX I was the victim of a scam that resulted in XXXX being stolen from my checking account via XXXX. 

On this same day I went into my local PNC branch to report the scam and ask that they pending transaction be stopped. This was within the hour that the scam happened. I was told that they could not stop the transaction and that I would have to wait until it posted and file a dispute. 

On this same say I also filed a police report with the local police department. I have a case number and copy of report if this needs to be provided. 

On XX/XX/XXXX I contact PNC bank again via telephone to file this dispute. All information was given in regards to this scam including case report number. I was told that I would hear something within 10 days. 

On XX/XX/XXXX I received a letter via mail, stating that my dispute had been denied and I could ask for more information/details on why if needed. I attempted to contact PNC immediately because I do not agree with the decision that was made considering I was a victim of theft by deception. I spoke with a representative and voiced my complaints. I was told that I would need to speak with a manager and that they would have to take my information and someone would need to call me back within XXXX hours. I was not able to speak to someone immediately. 

I received a phone call from XXXX XXXX XXXX on XX/XX/XXXX. I was told that she would no be able to help me. I asked to speak with someone that could. I was told that they dispute department does not speak with customers. My complaint at this point is how did they arrive to their decision if they never spoke to me about what happened. What type of investigation was done on their part? I insisted that I be put in touch with someone such as her boss and that my complaint be escalated. She told me that should would see what she could do and call me back that day. I was also provided with her contact information. I did not receive a call back from her that day. And have not since. 

The weekend was a holiday weekend and the bank was closed on XX/XX/XXXX in observance of XXXX XXXX XXXX. I made an attempt to contact XXXX XXXX on XXXX, XXXX, XXXX and XXXX with message left on voicemail. I still have not received a call back from anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-01-06 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL

Complaint narrative:
I tried to dispute items fro my report but i have yet to receive any feedback. Im not sure if it is because of the holidays

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have fraudulent accounts on my credit report. I have listed them and also the police report with FTC report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief