vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Penn Credit Corporation
State: TX

Complaint narrative:
On XX/XX/XXXX I received a call from XXXX representative saying that I have a balance of {$520.00} for XXXX XXXX in XXXX, TX. I explained the rep that this is not the first time receiving these phone calls and it's a fraud. They have also sent me a letter for me to dispute the charges. I have also received another letter from Penn Credit dated XX/XX/XXXX, with debt of {$530.00}. That is also not my bill and is a fraud. I have checked my credit report and found address that don't belong to me as well as two debt collections for accounts that have been opened fraudulently. I have disputed those accounts in my credit report and have placed a fraud alert on my credit because I have been a victim of identity theft. I have never lived in XXXX, Texas nor on other addresses that the credits bureaus was showing which I requested to be deleted. I am not sure how these companies allow somebody to open electrical accounts without checking first. My phone number nor my address of residence has changed. So far I have seen three electrical bills for the same time frame, when my house is in XXXX, Texas and I get my electrical bill from my house every month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: ADP Inc.
State: CA

Complaint narrative:
Automatic Data Processing ( ADP , LLC ), XXXX, XXXX and XXXX has violated my consumer rights In Accordance With U.S.C 15 1681. Also ; The Gramm Leach Bliley Act. There is a need to insure that consumer reporting agencies such ADP , LLC and other CRA 's adopt reasonable procedures for meeting the needs of consumers for consumer credit, personnel insurance and other information in a manner which is " Fair and Equitable '' to the consumer with regard to the confidentiality, accuracy relevancy and proper utilization of such information rather than use my information as a potential investment. Instead, ADP , LLC has been compiling files of information about me and also stating that my report has been verified. Please provide documentation of this verification that you have first hand information gleaned from my friends, family and known associates as required by law. Transactions are being sold to third parties without my explicit written or oral consent knowing that such information is supposed to represent me. This is Identity Theft by creating a profile of who I am, my credit worthiness and credit reputation. 
REF : XXXX. ADP , LLC and the CRA 's have a grave responsibility to respect my privacy, as I have the Right to not have my private property information to be reported with any financial institution, any bank or company. The Consumer reporting agencies are not appointed by congress. Therefore, their company policies do not super cede the law or my Rights. ADP , LLC and the CRA 's are in violation of my Non public private information because they have an obligation to respect the privacy of it's customers and to protect the security and confidentiality of the consumers non public private information. I did not specifically provide explicit written or verbal permission for this company to gain and have access to my non public private information with a non affiliated third parties. Furthermore, ADP , LLC or XXXX, XXXX or XXXX did not provide clearly and conspicuously ; disclosure to myself the consumer in writing or electronic form by the regulations prescribed under section USC 15 6804 or 15 USC 1681 ( k ) that I had a non disclosure option to opt out of any negative items on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: WV

Complaint narrative:
On XX/XX/2022, I called Great Lakes Borrower ( XXXX  ) and requested a refund for the payments I made during the COVID deferment period. This amount totaled {$5200.00}. I was advised by the male representative that I would receive my refund back in XXXX days. After seeing concerning posts online about how XXXX changed the return dates have been extended to XXXX days, I followed up on XX/XX/2022. I was advised that it would now take XXXX days to receive the amount. I was told I didn't need to do anything further. At this point the amount I owe had not updated. I have seen online in places such as XXXX, where people who requested for refunds in XXXX ( this is well after my request date ) have already received their payments. On XX/XX/2022, I called and spoke with a female customer service representative who was less than helpful. She told me she wasn't sure why other people would receive a refund before me. She explained that some people get their refunds in the XXXX day window, and others it takes longer. She then said I was still in the XXXX day window ( I was well out of it. ) She told me I should see my balance update within the next week or so. Here I am over a week later, still no updated balance, still no refund. I have concerns that I will not have an updated balance before my loan is forgiven. This has been a very disheartening experience, and I feel awful for anyone who uses this service for future student loans. Please be aware of who you are using being signing into debt because you are at their mercy. If I owed this company over XXXX, they'd be coming for my throat with XXXX time to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I opened a Capital One credit card in XXXX, XXXX with a line of credit in the amount of {$500.00} and six months later in XXXX, XXXX I received a line of credit increase. I was advised that I would get another line of credit increase six months after the increase in XXXX, but when I requested a second line of credit increase in XXXX, I received a letter from Capital One stating that my average monthly payments too very, however, I make multiple payments above my minimum payments every month. 
Today ( XX/XX/XXXX ), I submitted another line of credit increase and again, I received an automated letter stating the same reason for denial on a credit limit. 
When I contacted Capital One, representatives only apologized for the inconvenience but did not offer any resolution and I was told to apply again for a credit limit increase after six months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 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: AZ

Complaint narrative:
I am a victim of identity theft. Pursuant to section 605B you must remove the fraudulent inquiries. I have included FTC report # XXXX along with a cover letter and drivers license and utility bill.

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 2022-10-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: FL

Complaint narrative:
I PLACE A BID FOR A CAR THRU XXXX  AND THE DEALER ACCEPTED MY OFFER FOR {$15000.00}. 
THE DEALER CALLED ME AND TOLD ME THAT HE ACCEPTED MY OFFER. 
THE DEALER NAME IS XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX N.YORK XXXXAND HE SENT ME BY E.MAIL A BILL OF SALE FOR {$15000.00}, AND I HAD TO DEPOSIT {$3000.00} AND TAKE A LOAN THRU THE DEALER FOR {$12000.00}. 
ON XX/XX/2022 I WIRED THE {$3000.00} XXXX XXXX XXXX XXXX. 
ON XXXX/2022/ I RECEIVED BY E.MAIL A LOAN FOR {$22000.00} FROM WESTLAKE FINANCIAL WITH MY SIGNATURE FORGED ELECTRONICALY, I NEVER SIGNED FOR THAT LOAN, THE LOAN WAS FORGED BY THE DEALER IN N.YORK WITHOUT MY PERMISSION. 
THE DEALER DOES NOT RETURN MY CALLS. 
I CALLED THE BANK ON XXXX/XXXX/2022, THE SAME DAY THAT I RECEIVED THE E. MAIL AND TOLD THAT IT WAS NOT MY SIGNATURE, I E. MAILED THEM ALL MY PAPER WORK AND THEY IGNOR EVERYTHING. 
ON XXXX2022 THE DEALER CALLED WESTLAKE FINANCIAL AND TRIED TO MAKE A PAYMENT ON MY BEHALF, I CANCELLED THE PAYMENY. 
I AM NOT PAYING FOR A LOAN THAT I DID NOT APPLY FOR. 
I NEED YOUR 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 explanation
Consumer complaint received 2022-10-21 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: RI

Complaint narrative:
I went to the car dealership to get a XXXX XXXX, I specifically told them not to do more than 2 pulls because I didn't want any hard inquires on my credit, however I ended up with more than 16 hard inquiries from XXXX XXXX without my consent. Also there are some credit cards applications that I do not recognize.

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 2022-10-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
On XX/XX/XXXX I called Mr Cooper to request the PMI on my mortgage be removed since I'm 3 years in the payments and well over the XXXX XXXX loan to value on the property. According to Mr Cooper 's website, I'm actually calculated at XXXX XXXX owner of the property. They have the value of the property on their website calculated at {$340000.00} as of XX/XX/XXXX, with an estimated equity position of {$180000.00} and I only owe about {$160000.00} on the mortgage. ( See file attached below from Mr Cooper 's website ) I've been very much aware of the values in the local neighborhoods averaging around $ XXXX {$350000.00} for similar properties. I spoke to a XXXX in customer service and after checking the value on her computer she stated that according to her computer 's diagnostic program, I don't have enough equity so I can either pay {$150.00} for a broker 's opinion on the value or pay {$350.00} for a complete appraisal to be done and either one can take up to XXXX. I stated that even their website has me estimated at {$180000.00} but she stated that it doesn't really matter and the only way I can have the PMI removed is if i do what she suggested so I told her to go ahead and order the {$150.00} broker opinion. This seems to be just another predatory tactic that Mr Cooper uses to take advantage of the hard-working responsible consumers. This company evidently bought my mortgage from XXXX XXXX  about XXXX weeks ago, probably paid a premium for it, and it looks like they're deliberately preying on the account holders to recoup their investment. How can this possibly be legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Google Compare Credit Cards Inc.
State: OH

Complaint narrative:
I purchased two Google XXXX XXXX XXXX over the last two weeks, one for {$10.00} and one for {$15.00}. When I attempted to redeem the cards, I got an error message and a prompt for " more info. '' The first time, I got a reply from Google that is meaningless garbage about my account or card not being eligible for appeal. I'm sure that this is going to happen again. 

I want {>= $1,000,000} cash to recompense me for my time, stress and aggravation of dealing with this, {$50.00} to recompense me for the money spent on these cards and an explanation on what their response even means, because being told my account or the cards are not eligible for appeal tells me less than nothing other than that Google is attempting to commit fraud and hide behind flimsy excuses to perpetrate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
How is it possible that more than 4 months after I started sending letters to the credit bureaus they haven't done anything for me? I know people who started sending letters long after me and they already have the results of the investigations. So it means that I have less rights than others?

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 2022-10-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CLGF Holdco 1, LLC
State: IA

Complaint narrative:
This is a followup complaint to complaint # XXXX This item still remains on my credit reports and has incorrect information such as charge off and still open. The company seems to change the status monthly to keep it going instead of deleting the derogatory information as they agreed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
TransUn

ion failed to verify hard inquiries that I did not grant permissible purpose appearing on my credit report that I do not recall authorizing and did not sign an application for credit. The Fair Credit Reporting Act 609. Disclosures to consumers [ 15 U.S.C. 1681g ], Section 609 ( a ) ( 1 ) ( A ), and FCRA 611 ( 15 U.S.C. 1681I ). PROCEDURE IN CASE OF DISPUTED ACCURACY. Including U.S CODE 15 U.S.C & 1681 ET SEQ. Section 604 of the Fair Credit Reporting Act. These inquiries being reported were never authorized by me and appear as inaccurate information on my credit file as a credit inquiry and must be removed immediately. 

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 XXXXK.

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 2022-10-21 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: FISERV FINXACT CORE
State: FL

Complaint narrative:
On XX/XX/2022 and again on XX/XX/2022 fraudulent transactions were made against my checking account. 
On the account detail line " Telecheck '' and their phone number appears in the payee line.

I have contacted the company who refuse to assist in any way, claiming they were not the recipient of the stolen money.

However Telecheck facilitated the theft, allowing and encouraging the final recipient to steal the funds.

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 2022-10-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX Account # 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 2022-10-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
This is a followup complaint to complaint # XXXX This item still remains on my credit reports and has incorrect information such as charge off and still open. The company seems to change the status monthly to keep it going instead of deleting the derogatory information as they agreed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I checked my credit report and saw unauthorized credit inquiries on my report. Those inquiries are : 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 have contacted Trans Union and they told me they would not remove these inquires at all unless I fill out this report. I NEED these inquiries removed from my credit report expeditiously.

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 2022-10-21 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian failed to verify hard inquiries that I did not grant permissible purpose appearing on my credit report that I do not recall authorizing and did not sign an application for credit. The Fair Credit Reporting Act 609. Disclosures to consumers [ 15 U.S.C. 1681g ], Section 609 ( a ) ( 1 ) ( A ), and FCRA 611 ( 15 U.S.C. 1681I ). PROCEDURE IN CASE OF DISPUTED ACCURACY. Including U.S CODE 15 U.S.C & 1681 ET SEQ. Section 604 of the Fair Credit Reporting Act. 

These inquiries being reported were never authorized by me and appear as inaccurate information on my credit file as a credit inquiry and must be removed immediately. 

XXXX XXXX Inquired on XX/XX/2022, XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/2022XXXX XXXX XXXX Inquired on XX/XX/2022, US SM BUS ADMIN XXXX  Inquired on XX/XX/2022, XXXX XXXX XXXX XXXX on XX/XX/2022.

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 2022-10-22 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: RI

Complaint narrative:
I went to the car dealership to get a XXXX XXXX, I specifically told them not to do more than XXXX pulls because I didn't want any hard inquires on my credit, however I ended up with more than XXXX hard inquiries from auto financing without my consent. Also there are some credit cards applications that I do not recognize.

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 2022-10-22 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: RI

Complaint narrative:
I went to the car dealership to get a XXXX XXXX, I specifically told them not to do more than XXXX pulls because I didn't want any hard inquires on my credit, however I ended up with more than XXXX hard inquiries from auto financing without my consent. Also there are some credit cards applications that I do not recognize.

Company response to consumer: Closed with explanation