vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-22 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 — Their investigation did not fix an error on your report
Company: Exeter Finance, LLC.
State: VA

Complaint narrative:
XX/XX/XXXX I sent a letter to the XXXX major bureaus outlining inaccurate and unverified accounts on my report. It is almost 60 days later and I have not received remedy. The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given. I demand proof that you went through all the proper and logical steps that would have been necessary to validate or refute my dispute. If your agency is unable to do so, I demand that this account be deleted from my credit report. IC systems is in violation of consumer rights and reporting false information on public consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
The company CHASE opened a credit card to which I had applied for but never sent the credit card or a notification that it had been issued. 

Their marketing strategy clearly offers benefits when opening the credit card that are available for a limited time. However, by not sending it they made me lose the only benefit that actually made me get the card. I think that's a fraudulent way of operating by CHASE. 

It also affected my credit score negatively by issuing interests on the fees of this card that I did not even know I had and that hence I did not pay on time. Worst service.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 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 am the consumer this is not a XXXX party speaking on my behalf. I have submitted numerous letters to each credit reporting agency to have items that i the consumer, did not give consent to be on my consumer report removed. The companies continue to verify the information without submitting the method of verification and providing documentation of the investigative consumer report. There are also accounts listed on my consumer report that are not mine and are fraudulent. Pursuant to 15 USC 1681a ( 4 ) this is a violation of my privacy because these agencies are furnishing private information without my express written consent, these actions also constitute identity theft by each credit reporting agency.

While the agencies continue to report these accounts as verified this is also a violation of federal law and fraudulent activity on the part of each of the credit reporting agencies. Pursuant to 15 U.S.Code 1681a ( 2 ) ( A ) ( i ), information reported can not be only transactions between myself the consumer and the companies listed on my consumer report. Furthermore, I, the consumer was never given a chance to direct whether I wanted certain information furnished pursuant to 15 U.S.Code 1681a ( 2 ) ( A ) ( iii ), neither of these agencies offered me a chance to opt out of the reported information.

I, the consumer am also aware that using the identifying information of another person without authorization constitutes identity theft in accordance with Regulation V 12 CFR 1022.3.

Pursuant to 15 U.S.Code 1681b ( a ) ( 2 ) CRAs need written instruction to make a consumer report by the consumer. I, the consumer, never gave express written consent or authorization for any negative information to be furnished. These reporting agencies have committed fraud by using my identifying information without any lawful authority to furnish the information, by definition these credit reporting agencies have committed identity theft.

Pursuant to 15 U.S. Code 1681c-2 ( a ), if I, the consumer, provides a consumer reporting agency, with appropriate proof of the identity, a copy of an identity theft report, and a statement by I, the consumer stating the information in connection with all furnished account information is not relating to any transaction by myself, the credit reporting agency is required to place a block on my consumer report on the information associated with the accounts listed within 4 days of receipt of the identity theft report. 

On XX/XX/2021, I sent each credit reporting agency an identity theft report filed with the Federal Trade Commission with identifying documents attached ( drivers license, social security card ) and a statement from I the consumer, via certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: LEXISNEXIS
State: AK

Complaint narrative:
XX/XX/2021, I wrote to LexisNexis to request all information they have about me. I got a letter in return, with my name spelled incorrectly, that stated " we are unable to authenticate your identity and therefore can not process your request ''. 

XX/XX/2021, I wrote to LexisNexis, again requesting all information they have about me and included a photocopy of both my USA passport and Alaska drivers license. I got a letter in return, that again stated " we are unable to authenticate your identity and therefore can not process your request ''. This letter has two numbers listed : consumer number XXXX, and case number XXXX. 

XX/XX/2021, I called the number listed for LexisNexis : XXXX. I was asked for my date of birth. I asked the person that asked me for my date of birth if she was currently in the USA. She said no, but there was an office in XXXX. I asked if she was a citizen of the USA. She said no. 

So here are the problems : This company, LexisNexis : 1 ) is fishing for all of my personal information that it does not yet have 2 ) is employing non USA citizens and entrusting them with my personal information 3 ) will not give me, despite multiple requests, the information they have about me This looks like a big scam to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Netspend Corporation
State: WA

Complaint narrative:
The credit company called net spend will mail you a actual debit card and will and when you try to cancel it they ask for your social and after that is entered they say no account is linked to the account and ask you activate their card

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 2021-11-22 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: NJ

Complaint narrative:
i contacted Transunion about unauthorized inquiries on my report due to identity theft and they refused to remove it. they said that it was a FACT that these inquires were mine... mean while they are in possession of my Police report.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: VA

Complaint narrative:
I paid off my mortgage loan at NationStar ( fictious name : Mr. Cooper ) on XX/XX/XXXX. 
I understand they are allowed XXXX days to refund my escrow balance. 
It has now been XXXX days, but I still have not received a check. 
If I was late on a payment, I would have to pay a penalty. 
But, apparently, it is OK for them to take as long as they like to return my money without any consequences. 
They claim to have mailed a check on the XXXX, but we know that is a lie because first class mail does not take XXXX days or more inside the USA. 
When my check eventually arrives, we may be able to confirm that they lied by checking the postmark on the envelope. 
This is not my first terrible experience with NationStar. They have an abysmal record.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
We refinanced our home with Chase bank, the refinance included a pay off to XXXX XXXX  for existing loan. Chases Title company XXXX insisted on changing the name on title even with written email from me saying do not do that the name when bought the house is good we are only refinancing. This delayed signing the loan doc 's from Monday XX/XX/XXXX to Wednesday XX/XX/XXXX. On XX/XX/XXXX we got up early to meet with notary at XXXX am and that time came and went and no notary we finally got a text at XXXX saying the title company XXXX canceled the closing at XXXX pm set without notifying myself or wife or Chase bank! Finally at XXXX pm on the XXXX we signed all doc 's and closed, the doc 's state the closing should fund on XX/XX/XXXX and that day came and went and no funding it was funded on XX/XX/XXXX. XXXX collect a years of taxes from XXXX {$9400.00} and XXXX XXXX paid those taxes to XXXX on XX/XX/XXXX. I insisted all during the closing that Chase make sure XXXX is not going to pay the taxes and if they are Chase can not also charge me for them! I was told by Chase do not worry about this they would make sure that does not happen. It is exactly what happen as well at {$94.00} of a per diem charge for XXXX XXXX XXXX from XXXX? I have tried to get Chase and XXXX to correct this from XX/XX/XXXX and then it was easy fix just not send the taxes to county but refund me! and still to this date I have not gotten back correspondence from either party, accept 1 email from XXXX saying Chase did not fund them onetime so that is why this happened? What chase has done instead of taking responsibility and refunding my money and going after XXXX or XXXX XXXX they have made there negligence my problem? In my emails I included XXXX XXXX XXXX home lending officer and XXXX XXXX legal not even 1 reply?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have a few accounts in question that I've been trying to get to the bottom of please see the dates and accounts I have requested a response for : XXXX XX/XX/2021 and XX/XX/2021 ( no response ) XXXX XXXX XX/XX/2021 and XX/XX/2021 ( no repsonse )

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have a few accounts in question that I've been trying to get to the bottom of please see the dates and accounts I have requested a response for : XXXX XX/XX/2021 and XX/XX/2021 ( no response ) XXXX XXXX XX/XX/2021 and XX/XX/2021 ( no repsonse )

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 2021-11-22 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: NY

Complaint narrative:
My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 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: MD

Complaint narrative:
I noticed an account on my report that I did not open. I disputed it with Equifax once last year and again this year XX/XX/2021. They replied that they have investigated the account and it still remained, but with less information than before. Let me be clear, this is not my account. I am a victim of identity theft, and my police report is attached. I have contacted both the company listed and the Equifax, and neither have taken the steps to correct the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
I received another statement from PHH Mortgage company for XXXX payment. Mind you this is the XXXX letter of complaint about this company I am writing to you about. My original loan was with XXXX Mortgage my home was purchased in XXXX. 

I went into forbearance in XXXX of XXXX due to the covid pandemic and no employment. in XXXX that forbearance had been extended by XXXX XXXX  until XX/XX/XXXX with the understanding that I could come out of it at any given time without penalty and the payments would be added to the back of my loan. 
PHH bought my loan in XX/XX/XXXX. PHH did not honor any of XXXX terms. Instead I was reported as being in arrears 160 days and would be foreclosed upon. I explained everything, sent copies of all my XXXX paperwork pointing out where it stated my forbearance extension details. Then and only then did PHH allow me to extend the forbearance with them. until that was cleared up I was harassed daily with calls. I even had a tag left on my front door knob, which is just now being brought to light on my XXXX statement with a " Assessed Expenses '' fee of {$40.00}. I called PHH spoke with a rep named XXXX ID # XXXX and was told this is a fee for them doing a drive by property inspection due to my delinquency on my loan. AGAIN I was NOT delinquent, I was in forbearance. Had PHH done their job correctly they would have known this instead of trespassing and harassing me. Now I face another obstacle of XX/XX/XXXX it was recorded due to the paperwork PHH had me sign, even though when reviewed over the phone with a rep, and I asked where it showed my payments were deferred to the end of the loan, and the rep told me it showed where it said where the loan ends on XXXX. 

Come to find out, this was far from the truth. Now I am not a loan officer, not a legal person, I do not understand all their language, but what they did was even before the forbearance was officially up on XXXX XXXX, XXXX Mortgage XXXX XXXX XXXX against my property in XXXX XXXX XXXX for the XXXX forbearance payments, they did XXXX defer them to the back of the loan. Please keep in mind I had paid XXXX and XXXX payments, but they did not count those as my house payments as they should have been. 

Then paperwork I signed also has a payment amount of {$1200.00} for a payment each month yet they insist on the payment being {$1300.00} or they will not accept the payment. How can they force me to make a higher payment when it is approved and notarized with the {$1200.00} amount? And now assessing me a charge of {$40.00} stating I was behind in payment and they had to do a drive by inspection to see if someone still lived at the property this is per XXXX ID # XXXX a supervisor who told me it is a valid charge and they want me to pay XX/XX/XXXX payment of {$1300.00}. 

Something needs to be done about this company and their unethical practices. 

I am attaching 2 pieces of proof of what I am referring to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Sending correspondence requesting deletion of unverified accounts and not receiving a response from them. They can not validate and verify so it needs to be deleted.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Sending correspondence requesting deletion of unverified accounts and not receiving a response from them. They can not validate and verify so it needs to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 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: Hirshberg Acceptance Corporation
State: MI

Complaint narrative:
I notice someone checked my credit report who I did not authorize. XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 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: Bread Financial Holdings, Inc.
State: MS

Complaint narrative:
After looking over my XXXX credit report. I saw a XXXX Date : XX/XX/2020 from COMENITYCAPITALXXXX that has not been authorized by me. This is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-22 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc

Complaint narrative:
Dear Concern Person Greeting of the day. 

I'm XXXX XXXX from XXXX, I am running online business on XXXX and got my all payment through Paypal. In the month of XXXX XX/XX/2021, Paypal hold {$2400.00} for 180 days. 

I contacted them than they promised, I will get this amount after 180 days. 

Now 180 days about to end and Paypal deducted all {$2400.00} amount without any notification. 

I contacted PayPal customer care but they do not have proper information about deduction and they disconnected the call & now they blocked my number and im not able to contact them now. 

I'm XXXX widow with XXXX girls responsibilities. im totally depend on this income. 

This is big amount for me, I took loan to set up my business but just because of PayPal I loss everything. 

I am very much fed-up and do not know how & where should I complaint against it as PayPal is not ready to listen. 

I go through all their policies and I haven't broken their policies but still they deduct my all amount. 

Please help me in this matter as PayPal is doing big Scam in XXXX Market. 

Thanks & Regards XXXX XXXX XXXX : XXXX Email : XXXX Address : XXXX, XXXX XXXX, XXXX, XXXX XXXX - XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: IL

Complaint narrative:
Radius Global Solutions LLC XXXX XXXX XXXX SYSTEM XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX, TX, XXXX, XXXX To XXXX The Office of XXXX XXXX for Radius Global Solutions LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized Administration of the XXXX XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX XXXX XXXX XXXX XXXX to administrate ( acting trustee ) on the XXXX XXXX XXXX XXXX together with a certified copies of signatures contract between you and XXXX XXXX XXXX XXXX you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector XXXX XXXX XXXX XXXX XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. 

Consumer disputes this debt and ALL claims in accordance of 16 CRF 433.2, Title 15 USC 1692, Regulations Z, Regulations M and ALL applicable XXXX Articles. 

If you lack understanding of this paperwork, forward to your ATTORNEY. 




By : 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 2021-11-22 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 — Investigation took more than 30 days
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.

Company response to consumer: Closed with explanation