vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-23 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: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
I received an alert that PayPal via SYNCBPAYPAL made an inquiry on my credit report on XX/XX/XXXX for the purpose of Credit Transaction. This inquiry appeared on my XXXX  credit report. On Wednesday XX/XX/XXXX I reached out it PayPal and was told they have no record of the inquiry. I then reached out to XXXX and was today they do not file disputes on inquiries and was directed to reach out to FTC to file a report to delete the unauthorized inquiry.

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 2021-04-23 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: NC

Complaint narrative:
I recently had my credit profile pulled. Upon looking at this report I have noticed there are accounts that are not mine. I sent a dispute letter to EXPERIAN, XXXX  and XXXX  on XXXX, XXXX XXXX and XXXX asking that they be removed. Please note response should have been provided by date XX/XX/2021. I have not received report and EXPERIAN, XXXX and XXXX  are over the time frame required to submit a report to me. Please investigate and send me an updated 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 2021-04-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
In the end of XXXX, i was having some financial hardship due to the corona virus had been laid off from my job. I decided it was in my best interest to close my secured credit card account. I called them and canceled it. Was told the secured account would be applied to the account. At the time, my balance was {$290.00}. I had a {$300.00} security deposit in my savings that was on hold for the secured account. Usually gets applied within a week time frame. A month goes by, and noticed the security deposit is still in my savings account and has not yet been applied. I called them and was told it is in the process of getting closed out. Assured me that it will all balance out. Another month in a half goes by and heard nothing from them regarding this matter. I noticed the account dropped off my online profile. Called and was told it was now charged off and in collections!!! How can this be? The security deposit was suppose to be applied to my account by now. I would of had about {$9.00} coming back, instead, they put me in delinquency and had to pay them additional {$85.00} in fees, and reported me late twice on my credit report making me look delinquent! I am not the one in fault here, they are. They never once reached out to me and let me know what was going on with my account until months later while i was moving. This is unlawful! The security deposit would of covered the account balance! It does not take 60 days or more to close out an account and apply the security deposit to the account! I have had several XXXX XXXX XXXX  accounts, and has never taken this long to apply the security deposit! I have never been late till they made me late! Had a very good record with them! Never missed one payment! They did credit me back for 1 late fee, but it is not good enough. due to this, I now have my credit damaged because they did not properly credit my secured credit card account in a timely manner! I am planning to get an attorney involve that deals with creditors that involved wrong doings. I am also planning to leave a negative feedback online so i can share my experience of how terribly i was treated! For 7 years, I have to live with those 2 late payments on my credit report when i did everything right! This is a careless act, and will not be tolerated! They last my business after this! They are responsible for fixing this, and crediting me back for all the late fees. The stall tactics are unlawful in this case!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
please report my XXXX XXXX company cant do it for one and not for another person FCRA laws SEE attachment

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 2021-04-23 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX fcra violations remove it : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX fcra violations remove it : 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
Consumer complaint received 2021-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
please report my XXXXXXXX XXXX  company cant do it for one and not for another person FCRA laws SEE attachment

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 2021-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
At the time that the credit card was open, I was incarcerated. I was incarcerated from XX/XX/XXXX until XX/XX/XXXX. The credit card was opened on XX/XX/XXXX. The charges occurred between the dates of XX/XX/XXXX to XX/XX/XXXX. Therefore, the card was not opened or used by me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-23 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: Commonwealth Financial Systems, Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX fcra violations remove it : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PENNYMAC LOAN SERVICES, LLC.
State: VA

Complaint narrative:
I am a XXXX XXXX who became injured after serving on XXXX deployments with the United States XXXX. Unfortunately, I had to receive XXXX on a military related XXXX in XX/XX/XXXX, that caused me to remain out of work up right before XXXX. I am thankful that PennyMac placed me on an unemployment forbearance plan that ended in the middle of XXXX in XX/XX/XXXX. However, I was affected at work by an hour decrease from XXXX hours to about XXXX XXXXours per week around XX/XX/XXXX. I informed PennyMac of the reduction in hours, and was offered two options : pay the lump sum owed from the unemployment forbearance plan or enter into a repayment plan. I chose the latter option while I was still struggling because I was not made aware of a COVID forbearance plan after informing PennyMac of my COVID-related financial issues. Moving forward, I made all six of the repayment plan payments on time and was still reported late for three of the six payments. I have been pursuing PennyMac with numerous requests and phone calls to remove these late payments initially in XX/XX/XXXX and consistently since XX/XX/XXXX. I informed the company that is the only obstacle that is keeping my family and I from closing on a home. If PennyMac does not remove these payments, we will be another homeless family on XXXX XXXX. I tried to reach out to several supervisors, but the agent ( XXXX ) on the phone either hangs up on me or asks " why do I need to talk to a supervisor when I will get the same answer? '' I even reached out to the President, XXXX XXXX on XX/XX/XXXX. 

I have attached the four months of statements between XXXX and XXXX. In the months that I was reported late, the statement reflects a lump sum owed even though I was on the repayment plan and the payment was already made. The XXXX payment due XXXX XXXX statement ) reflects the repayment plan notice on the statement and shows the correct amount due. Therefore, I was not reported late for XXXX. Yet, I was reported late for XXXX, XXXX and XXXX XXXX skipping XXXX XXXX. How is this possible when all payments were made on time. Even without the CARES ACT in place to protect consumers on a COVID forbearance plan, this is clearly an error on Pennymac 's part. Even so, as a XXXX XXXX who fought for this country, PennyMac should not give me a hard time with removing these three lates considering the circumstances of being XXXX while experiencing the hardship of COVID alongside everyone else. My family is in dire need.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-23 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 demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX/XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened onXX/XX/XXXX

3. XXXX  XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.

4. XXXX  - Account # XXXX  ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.

5. XXXX/XXXX  - Account # XXXX  ( Reported Identity Theft ) - Fraudulently Opened onXX/XX/XXXX.

6. XXXX  XXXX  XXXX  - Account # XXXX  ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.

7. XXXX  XXXX  - Account # XXXX  ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.

8. U S DEPT OF ED/XXXX/XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on 2/1/2010.

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX  XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX  XXXX  XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX  XXXX  - XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX/XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft ) 8. XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXXon XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX  XXXX  XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P.
State: NJ

Complaint narrative:
I am lodging a formal complaint against paramount recovery this debt collector has violated the fdcpa/fcra by reporting derogatory information on my credit reports in the amount of {$240.00} that isnt my debt. I have never recieved a dunning notice by this company which allows me 30 days to dispute validity of debt. I've lived at the same address for over 17 years and I have never recieved any mail from this company and also never recieved a phone call. This has also brought my credit scores down and I am in the process of purchasing my very first home for my family. I am requesting paramount recovery to delete this erroneous account from my credit reports. Attorney general and XXXX complaints will be filed if account isnt deleted immediately. Thanks for your time

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 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: NC

Complaint narrative:
I recently had my credit profile pulled. Upon looking at this report I have noticed there are accounts that are not mine. I sent a dispute letter to XXXX, XXXX  and EQUIFAX on XXXX, XXXX XXXX and XXXX asking that they be removed. Please note response should have been provided by date XX/XX/2021. I have not received report and XXXX, XXXX and EQUIFAX are over the time frame required to submit a report to me. Please investigate and send me an updated report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
Company last year in XXXX lowered my credit limit from near {$1800.00} down to {$620.00} for no reason. I actually used the card regularly and had it paid in full when they did this. Now, I just got a letter dated XX/XX/XXXX that they closed my account because the number of dishonored payments on this account. I have no idea what they are talking about. There was an issue with my bank accounts in regards to paying from a wrong bank account but regardless I reached out to them and got the problem resolved, paying my debt in full. I have not dishonored any payments. I have not set up payment arrangements and I promptly take care of issues when I know they have occured. I am not continuously late, I use their card often and pay my bill. I had one hick-up, again because of my bank accounts I was switching everything around, and this happened. Its sad that a company treats people like they have never had a mistake happen. I do not want their card, however I want to make sure this does not affect my credit score at all by their reasoning to close my account.

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 2021-04-23 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/XXXX I received my money since then I've been in contact with bank of america I filed a complaint with them that my account security has been accessed by outside means the security questions have been changed even the emails and phone numbers but they weren't supposed to allow it I verified with plenty of people that I am the account owner yet again today on XXXX  XXXX XXXX my account is yet again inaccessible to me cause they failed to protect my identity I am requesting help to fix this if by any means they can I already had over XXXX dollars spent it of my account that was supposed to be refunded and now they are refusing to assist 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 monetary relief
Consumer complaint received 2021-04-23 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I sent a request to investigate inaccurate accounts on my credit profile on XX/XX/2021, XX/XX/2021 XX/XX/2021. It has now been 90 days since I sent my inquiry, but I have yet to receive a response. I'm looking to purchase a home and the inaccurate records on my profile are stopping me from achieving my dream home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 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: GA

Complaint narrative:
I recently had my credit profile pulled. Upon looking at this report I have noticed there are accounts that are not mine. I sent a dispute letter in regards to EQUIFAX, XXXX  and XXXX  on XXXX, XXXX and XXXX asking that they be removed. Please note the response should have been provided by date XX/XX/2021. I have not received a report and EQUIFAX, XXXX and XXXX are over the time frame required to submit a report to me. Please investigate and send me an updated report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have contacted TransUnion making them aware that I have incorrect information on my credit report. I sent them many notices via certified mail proving these items on my report are inaccurate and still no response

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 2021-04-23 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: GA

Complaint narrative:
I recently had my credit profile pulled. Upon looking at this report I have noticed there are accounts that are not mine. I sent a dispute letter in regards to XXXX, EXPERIAN and XXXX on XXXX, XXXX and XXXX asking that they be removed. Please note the response should have been provided by date XX/XX/2021. I have not received a report and XXXX, EXPERIAN and XXXX are over the time frame required to submit a report to me. Please investigate and send me an updated 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 2021-04-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: MS

Complaint narrative:
In XXXX of 2020 I applied for a Covid-19 Forbearance plan with my mortgage provider Mr. Cooper. At the end of the forbearance period, the total amount from the forbearance period is due unless the amount is moved to the end of the loan. I applied for a modification to have the amount moved to the end of the loan so that I could resume payments but my request was denied. I have been told that the only way I can resume my payments of {$940.00} monthly is by paying the lump sum of {$16000.00}. 

The company replied that I am not eligible for a modification because I have had three modifications for the life of my loan. 

I have shown that I would like to stay in my home and I don't think that Covid-19 should be considered a normal situation for an exception.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FIDELITY CAPITAL HOLDINGS, INC
State: FL

Complaint narrative:
I have disputed this account with Fidelity Creditor Svcs as well as XXXX  and XXXX on XX/XX/20. I have request documentation bearing my signature to validate that this debt belongs to me. I have not received any information in return about what this debt is, why they are saying I owe this or if it in fact even belongs to me. Since then, I have repeatedly asked for verification from Fidelity Creditors Svcs, XXXX, and XXXX via certified mail to confirm the validity of this debt to be mine. Once again, NONE of these agencies have provided documentation that this debt belongs to me and have not sent any document bearing my signature. The original credit amount is listed at {$2100.00} and the creditor continues to add some type of charge every month and the debt amount is now {$2400.00}. This is a clear violation of my consumer rights.

Company response to consumer: Closed with explanation