vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-13 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: DriveTime
State: GA

Complaint narrative:
accordance with the Fair Credit Reporting act XXXX Account # XXXX, 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 Pulled credit fraudulently without my concent or whereabouts, i reached out to the following companies several times with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 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: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
accordance with the Fair Credit Reporting act XXXX Account # XXXX, 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 Pulled credit fraudulently without my concent or whereabouts, i reached out to the following companies several times with no resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I pulled my credit reports around the end of XXXX. I noticed Midland Credit management was reporting as a collection. 
On XXXX the XXXXXXXX XXXX I sent them a debt validation letter asking them to validate that I owed this debt. I received two documents back from them on XX/XX/2022. I have attach all supporting documents .. nothing in these two documents prove, I owe this debt or if it's even mine. 
I tried to dispute it with the credit bureau 's twice with supporting documents and they keep saying it accurate. It isn't accurate and it's hurting my credit by reporting inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 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: AL

Complaint narrative:
I sent a certified factual dispute letter to Equifax that was received by them on XX/XX/XXXX at XXXX. I called on XX/XX/XXXX to check on the status and the representative, XXXX XXXX ID number XXXX, told me they had no dispute open. I have receipt of them receiving my letter. This is not the first time that I have not received a response. I have sent seve4ral letters of dispute and method of validation with no response from the company. There are several inconsistent items on my credit report that are hindering me from moving forward in the homebuying process. I spent money sending the letter certified and I have absolutely no faith that they did not receive my letter. I am including a copy of the letter sent with visual proof of incorrect items, as well as delivery receipt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Guild Holdings Company
State: CA

Complaint narrative:
Guild Mortgage Company never paid any of my property taxes from Escrow during the duration my loan was active due to an incorrect documented Parcel Number. We've just figured out the issue once we paid off and closed the mortgage account. The delinquent Tax Bill is {$8200.00} from XX/XX/XXXX to XX/XX/XXXX. Plus, in XXXX of XXXX, Guild Mortgage was responsible for the 1st Installment of XXXX Taxes for my property. At that time my loan was still open and my XXXX account was active and Tax payment was supposed to be sent to the county. It wasn't sent apparently. The total amount now due is {$13000.00}, because of Guild 's error, we are in the risk of having another Delinquent and losing our home if the payment is not paid. Talking to Guild agents on phone was a pain, their Customer Service is really slow and un-professional. We are expecting Guild to fix the problem asap, and compensate us accordingly. 

Summary for XXXX XXXX Total Amount Now Due : {$13000.00} Select Installment Delinquent Date Amount Due Status XXXX XXXX XXXX ( Secured Bill ) XXXX XXXX XXXXXX/XX/XXXX {$2500.00} Unpaid. 
Includes XXXX XXXX {$230.00} XXXXXXXX XXXX XXXXXX/XX/XXXX {$2600.00} Unpaid. 
Includes Late Penalty {$240.00} XXXX XXXX XXXXXXXX ( Secured Redemption Bill ) XXXX XXXX XXXXXX/XX/XXXX {$8300.00} Unpaid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: NY

Complaint narrative:
I sent fedloan the below email on XX/XX/XXXX to check on my PSLF certification submitted in XXXX. Payments did not look correct, so I had two specific questions. But the agent who responded did not answer either of them, and I keep asking for a response to no avail. I have been waiting 17 days for a response. 

Here is the email with my specific questions about XXXX counts : I recently received your notice about PSLF Qualifying Payments update, but it seems incorrect. Can you review? 

Specifically, I see that I am only given credit for 51 months of qualifying payments, but the number should be closer to XXXX months. I've been employed by a qualifying employer and enrolled in XXXX since XX/XX/XXXX. Do the {$0.00} payments during Covid count toward forgiveness? My qualifying months should include every month since XX/XX/XXXX, through the date the form was signed in XX/XX/XXXX. 
This is the case for virtually all of the loans on account # XXXX, loan XXXX. 

Additionally, I recently consolidated some stafford loans into a direct loan. They're currently showing 0 months qualifying. Can/will that be updated? Under the temporary expanded criteria, past payments should count towards forgiveness. 
This is for loan numbers XXXX and XXXX. 

Thank you, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-13 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:
Hello, my name is XXXX XXXX and I am writing to have the following information deleted from my credit file.. I requested a copy of my credit report and noticed multiple fraudulent items on my report. The items I need deleted are ( XXXX XXXX XXXX ) and XXXX. I am a victim of identity theft and did not make the charge.I have never had an open account with either of the companies listed and it's illegal to have fraudulent information reported to my credit report. I need these items to be deleted immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies from the Federal Trade Commissions Identity Theft affidavit. The items are listed below with the account numbers. I have contacted all three bureaus multiple times by phone, mail and by filing numerous complaints. Please remove the following items from my file. 

Account name : XXXX XXXX Account number XXXX Account date reported : XXXX XXXX Balance : {$0.00} Account name : XXXX XXXX XXXX Account number XXXX Account date reported : XXXX XXXX Balance : {$1200.00}

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 2022-05-13 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: PA

Complaint narrative:
Hello, my name is XXXX XXXX and I am writing to have the following information deleted from my credit file.. I requested a copy of my credit report and noticed multiple fraudulent items on my report. The items I need deleted are ( XXXX XXXX XXXX ) and XXXX. I am a victim of identity theft and did not make the charge.I have never had an open account with either of the companies listed and it's illegal to have fraudulent information reported to my credit report. I need these items to be deleted immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies from the Federal Trade Commissions Identity Theft affidavit. The items are listed below with the account numbers. I have contacted all three bureaus multiple times by phone, mail and by filing numerous complaints. Please remove the following items from my file. 

Account name : XXXX XXXX Account number XXXX Account date reported : XXXX XXXX Balance : {$0.00} Account name : XXXX XXXX XXXX  Account number XXXX Account date reported : XXXX XXXX Balance : {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
I called Convergent on XX/XX/2022 in order to get some more information about this debt. I have been monitoring my credit heavily the past few months due to trying to buy a home and I never received anything in writing from them to let me know about this debt before it appeared on my credit which they do have to notify me, in writing, prior to reporting and they did not do so. If they had followed the proper procedure I would have entered an agreement with them then to resolve this. I did call them to make an attempt to deal with this, but again they did not notify me in writing prior to reporting on my credit.

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 2022-05-13 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
A company by the name of ARS Account Resolution Services has tried to falsely attempt to collect a debt on medical debts in amounts that are inaccurate and not owed. I personally contacted my insurance provider XXXX and pulled up all the claims via the online portal and spoke with a representative named XXXX ; He reassured me that these debts were in fact paid and that the amounts ARS were trying to collect on behalf of a medical service provider were indeed a result of error or negligence. I contacted ARS via telephone today XXXX, XXXX, XXXX at approximately XXXX est and spoke with a rep by the name of XXXX and I explained to her the situation and that I wanted the debt to be removed from my credit report under consumer law 15 U.S. Code 1692e ( 2 ) ( A ) A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt. 

I have been disputing these debts since XXXX and it's really been an emotional strain on me and I want these resolved immediately!

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 2022-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
On XX/XX/XXXX, I sent a letter to the bureau  disputing incorrect personal information in my credit file, I requested the bureau to remove the incorrect information because they were incorrect, but the bureau didn't respond within the 30 days period allow by law. I sent a second letter on XX/XX/XXXX with the same information I requested to be verify or remove, the bureau responded on XX/XX/XXXX requesting proof of my identity, I sent on XX/XX/XXXX a copy of my social security number, a copy of my ID and a copy of a bill with my current address on it since that date the bureau didn't respond or remove the information I disputed and kept reporting these information in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I was informed in XX/XX/2022 by XXXXXXXX XXXX that an account alleging a debt in my name in the amount of {$1900.00} was assigned/sold to Portfolio Recovery Associates , LLC ( PRA ). 

I disputed this alleged debt in a XX/XX/2022 letter to PRA. I have never held, owned or used an XXXX XXXX XXXX XXXX issued by XXXXXXXX XXXX I asked that PRA produce the relevant contractual agreement between me and XXXX XXXXXXXX XXXX or XXXX, that contains my signature, and proof of any purchases in connection with this alleged debt were made or authorized by me. 

PRA responded by providing the referral letter XXXX XXXX sent to them. In correspondence dated XX/XX/2022, I called out PRA for their failure to substantiate this alleged debt. 

Their response on XX/XX/2022 was that they have responded to my request and consider the matter to be closed. 

I am not responsible for this fraudulent debt, and it should be removed from my credit report immediatley. PRA 's collection efforts should cease, and any harm to my credit report corrected. This has impacted my ability to refinance my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Social Finance, Inc.
State: KY

Complaint narrative:
On XX/XX/2022, I received an email notice stating a bonus of {$590.00} will be received when a personal loan of {$5000.00} or more is taken out. I applied on XX/XX/2022 and was subsequently approved on XX/XX/2022 for the {$5000.00} personal loan. On XX/XX/2022, a chat ticket was opened to confirm the {$590.00} would be paid out as described in the email marketing. On XX/XX/2022, a message was sent saying the bonus would not be paid as SoFi has determined I was not eligible. The instructions were followed and the loan was funded, yet I was somehow not eligible des
pite receiving the marketing email.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC
State: CA

Complaint narrative:
The issue is regarding XXXX standalone loan modification. They refuse to XXXX me for eligibility. 
AmeriHome Mortgage calls me and then hangs up quickly. In the instances I pick up the phone call, they will not readily identify themselves and ask me to give sensitive information without confirming who they are. 
I have reached out in secure communication via email. No reply regarding the modification is mentioned. I feel its a tactic to avoid reviewing to see if I qualify for the loan modification

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I file several disputes over the years and nothing has been done. XXXX, XXXX and Experian are all reporting inaccurate and incorrect damaging information on my credit reports. I have yet to be successful with them properly and 100 percent accurately reporting! Ive asked for deletion, validation, verification and proof of numerous accounts amongst the XXXX in writing. Even reached out to the creditors reporting this information advising them of their errors and violations with no results either. They are violating my FCRA rights and I want to advance my rights to monetary claims from the law breakers. Please help me with this. 

I have proof of a collections that was clearly paid but they are reporting inaccurate dates of payment and the creditor XXXX XXXX XXXX XXXX XXXX XXXX that sold this to XXXX is reporting it is included in a bankruptcy. Which is not true because it has been paid. I have they it was PAID. The reporting paid date on my other XXXX credit reports said it was last paid on XX/XX/2021 but it was paid on XXXXThey both have XXXX reporting each on all XXXX credit files and are inaccurate and damaging to me and my livelihood. Ive tried all I can to resolve this over 2 years now!

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 2022-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: AL

Complaint narrative:
XX/XX/XXXX, XXXXMy husband was scammed and initiated a {$30000.00} wire from our joint PNC bank account to the criminals. Less than XXXX minutes after leaving the bank, he called PNC customer service to see if it could be stopped. PNC 's employee looked it up and told him that the wire had not gone through yet and the criminal 's account was also with PNC. He was told the criminal 's account would be immediately frozen so that the money could not be deposited and that it would automatically be returned to our account, but it might take up to XXXX business days. That never happened and the account remained over - $ XXXX. ( Please listen to that call. ) FROM XX/XX/XXXX through XXXX XXXX both called PNC myriad times to explain that the account only had XXXX in it at the time of the wire, but the scammers somehow made it look like they " accidentally '' wired the money to the account ( as in it showed up when he logged in ). Why would PNC allow a wire for $ XXXX from an account with only $ XXXX in it? We were referred to XXXX XXXX, who works for their wire fraud department. He could not have been more useless and was unreachable. I spoke to XXXX XXXX from wire fraud. I also talked to a lady who told me NOT make payments on the $ XXXX line of credit that PNC immediately moved into the scammed account as an overdraft because PNC told my husband it would be fixed the day it happened. She said she'd note it on her computer. XXXX closed ( purged ) all of our accounts with them. I can not be added to the account my husband opened at XXXX because I'm on some list and my credit rating has dropped from XXXX to awful.We are in collections with PNC. They say we owe them the $ XXXX line of credit plus interest and late fees AND we also lost the $ XXXX we had in that account. WHAT WE KNOWWe fully understand it is not PNC 's fault that my husband was scammed and he originated the wire transfer and are not asking about that. WHAT WE ARE ASKINGI want to find out PNC 's legal responsibility after their agent told my husband on a recorded line that the receiving account would be frozen and the money would be returned to our account within five business days. What steps were taken? Did they do their due diligence/follow up/follow the law/do ANYTHING? Do they have ANY accountability at all? Did they do everything in their power to stop the transfer? Did they act in bad faith? Were they in breach of their contract with us when their agent said we'd get the money returned and instead we are in collections? Listen to the recordings of all of our calls to PNC starting XX/XX/XXXX until PNC closed the account and explain to me how they are not responsible for ANY OF IT even though PNC 's own agent said the wire would be stopped. 

I'm only attaching the latest bill for our line of credit since PNC closed our accounts and everything was online.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XXXX I sent a letter regarding the unknown on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being extremely taken advantage of since my disputes have been ignored. Section 611 a plainly stated that failure to investigate these items within 30 days will result in immediately removing those items from my credit report. It has now been over 60 days so they should be deleted promptly or I will have to file litigation due to the stress and harm youve caused me. My information has been impacted by the XXXX data breach and may have gotten into the hands of the wrong people.

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 2022-05-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I was surprised when reviewing my credit report and found a 30 day late payment reported for XX/XX/2021. I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement didnt reach 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 explanation
Consumer complaint received 2022-05-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CLGF Holdco 1, LLC
State: IL

Complaint narrative:
A indigo credit Card was opened in my name. Now its been reported on my credit as closed account due to inactivity but still reporting of payments has been late and then on time the next month.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 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: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
Mr. Cooper has failed to report that I have made my last XXXX payments on time thus impacting my credit score. My credit report shows I have no mortgage at all.

Company response to consumer: Closed with explanation