vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
CFPB I made application to Bank of America for an XXXX  XXXX XXXX card with a special promotional bonus in XXXX, XXXX. Bank of America responded on XX/XX/XXXX with a letter of denial citing the reason : Unable to verify identification. 

Subsequently I contacted Bank of America asking why they were unable to verify my identification and how I could assure them of my identity. During the conversation their representative requested that I provide the Social Security Administration permission to verify my existence. Instead I provided a copy of my original Social Security Card and my REAL ID driver license on XX/XX/XXXX. 

On XX/XX/XXXX I received a denial identical to the XX/XX/XXXX letter citing the reason : Unable to verify identification. Once again I contacted Bank of America by telephone and asked why they could not identify me to their satisfaction. The banks representative stated that the Social Security Card copy and REAL ID driver license did not meet their requirements and that the bank needed a form SSA-89 Authorization for the Social Security Administration To Release Social Security Number ( SSN ) Verification and a copy of my XXXX IRS Income Tax filing. I provided the cited documents mid XXXX, XXXX and have received neither the requested VISA card, nor a third denial from Bank of America. 

It is my suspicion that Bank of America does not wish to honor the promotional bonus of XXXX XXXX Airline miles which were promised. My credit score is exceptionally high ( greater than 800 ) and my income stable. 

Within Bank of Americas system my application is identified as Reference number 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 2024-04-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: PENNYMAC LOAN SERVICES, LLC.
State: AZ

Complaint narrative:
I was late on my mortgage for the month XXXX. I called my bank to tell them Im behind. They put me on a forgivens program were I dont have to pay till XXXX and those 3 months will go on the back of my loan. Then I got documents and there was nothing about it hitting my credit on there.i called and asked if there was a way to take the late payment off they told me no! So all I want is for them to take the late payments off my credit. Bc of that Im down over XXXX point on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
PLEASE BLOCKED AND REMOVED Urgently, I request the prompt removal of the unauthorized accounts from my credit report. Their presence is distressing, and I did not authorize their inclusion. Please rectify this promptly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I insist on the removal of this late payment from my account as it does not faithfully depict my payment history. I have consistently made timely payments, and it is unjust to be marked with this inaccurate entry. I urge you to promptly update 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 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Rocket Mortgage, LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Rocket Mortgage XXXX XXXX XXXX XXXX XXXX XXXX  PROOF OF LATE PAYMENTS Dear Rocket Mortgage, I am writing to address the reporting of late payments on my account XXXX with your company. According to your records, there have been late payments on my account, but I am requesting proof of mailed statements for the dates you are reporting as late. 

As stated in 15 USC 1666 B Timing of Payments, a creditor must be able to prove that a late payment exists. The law states that 21 days before the payment due date, the creditor must send out a notice containing information from section 15 USC 1637 B Statement Required with Each Billing Cycle. This notice must be mailed or delivered within 21 days of the payment due date. It is imperative that you provide evidence that a statement was sent within the required timeframe in order to treat a payment as late.

Failure to comply with the procedures outlined in the FCRA ( Fair Credit Reporting Act ) has resulted in several violations of my consumer rights. I am in the process of concluding my paper trail before taking legal action. I urge you to update the credit reporting to reflect that the debt is PAID/NEVER LATE. 
I would appreciate your prompt response to this matter and ask that you cease reporting this debt as late until you can provide the requested documentation. Thank you for your attention to this issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently obtained a copy of my consumers credit report from your bureau and hereby dispute the completeness and accuracy of this information. This information is injuring my consumer report and I request that you correct this information immediately. The information I am disputing is : XXXX XXXX XXXXXXXX. 
I assume 30 days is a reasonable amount of time for your investigation. After your investigation, please provide me with an updated credit report as well as the names, addresses and telephone numbers of the individuals that have been contacted.

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 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: PENNYMAC LOAN SERVICES, LLC.
State: NC

Complaint narrative:
Dear Sir/Madam, I am filing a formal complaint against PennyMac Mortgage Lender due to several issues I have encountered with their services. I believe their actions have been unprofessional, misleading, and in violation of my borrower rights. I request your assistance in investigating this matter and taking appropriate action.

Key Complaint Points : Failure to Recast Mortgage : Despite making a {$70000.00} lump sum payment with the intention of recasting my mortgage, PennyMac initially indicated it was possible but later reversed their decision without providing a valid reason. This inconsistency has caused confusion, frustration, and financial hardship.

Unauthorized Deletion of Messages : PennyMac has deleted messages from the " Message Center '' without my consent. This raises concerns about transparency, accountability, and the preservation of communication records, suggesting a disregard for proper protocols and customer rights.

Failure to Adjust Monthly Payments : Despite the lump sum payment, my monthly mortgage payments remain unchanged. This contradicts PennyMac 's assurances and reasonable expectations. The remaining loan term also reflects 354 months, indicating a failure to account for the payment made.

Financial Difficulties and Loan Transfer : I am facing financial difficulties resulting from PennyMac 's practices. The transfer of my loan from XXXX XXXX  without my consent has exacerbated the difficulties and frustrations experienced throughout this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Tri-State Adjustments, Inc.
State: CO

Complaint narrative:
I received a bill on XX/XX/XXXX for {$2500.00} and I sent a letter of validation to Tri-State Adjustment. XX/XX/XXXX I received another bill with cost break downs, however, this is not just for me it is for my son and I never signed a contract for myself or my son. My ex-wife may have for my son but I did not, also in the amount due of {$2500.00}. These were sent to me in my name for myself and my minor son .Again in response to XX/XX/XXXX 's bill I sent a Verification of Debit Request this time via XXXX XXXX Mail XXXX XX/XX/XXXX. So XX/XX/XXXX I sent another verification letter asking for XXXX proof of the complete and signed contract for both myself and my sonXXXX an explanation of how all costs are calculated in the bill : XXXX to also provide me with copies of any and all documents, ledgers, spreadsheets etc., that showed I agreed to pay the costs that are being charged to me : XXXX To identify and accurately describe XXXX party costs for what I am being charged and that they have included the dispute amount along with a complete itemization of each charge : XXXX provide me with an affidavit that the statue of limitations has not expired on this accountXXXX show proof they are licensed to collect a debit in the state of XXXX provide me with your and your clients proof of good standing under the laws of XXXX and the Secretary of State along with information regarding your registered agent for service of process. 
Today on XX/XX/XXXX I received another itemized bill identical to the one I got on XX/XX/XXXX and is also time stamped the date printed on each page of XX/XX/XXXX, and not on of my questions were answered and I was completely ignored in my requests..

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 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
PLEASE I NEED YOUR ASAP RESOLUTION WITH THIS MATTER, I HAVE ATTACHED THE DOCUMENTS NEEDED FOR THIS REPOSESSION ON 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 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, Ga XXXX XX/XX/2024 LVNV FUNDING LLC XXXX XXXX XXXX XXXX, SC XXXX NOTICE OF INTENT TO SUE Dear Sir/Madam, I am writing to express my intent to take legal action against LVNV FUNDING LLC for violations of the Fair Credit Reporting Act ( FCRA ) and other applicable laws. LVNV FUNDING LLC has failed to comply with laws outlined in the FCRA, resulting in several violations of my consumer rights. This is an ongoing issue regarding the debt that you are attempting to collect on behalf of XXXX XXXXXXXX XXXX for accounts XXXX. It has come to my attention that the original creditor has written off the debt, which means that I am no longer responsible for it by law. 

I would like to point out that, as I have no legal contract with LVNV FUNDING LLC XXXX. It is against the law to enforce a voided contract. Once a debt has been written off by the original creditor, the responsibility for the debt no longer lies with me. Therefore, I am requesting that you provide proof that I have a legal binding contract with LVNV FUNDING LLC proving that the debt is owed to your company. If you are unable to provide such proof, you are required by law to cease reporting a fictitious debt that is not legally binding to your company. This is consumer fraud and I am willing to protect myself at the fullest extent of the law. 

These actions have resulted in harm to my reputation, financial standing, and overall well-being. LVNV FUNDING LLC conduct constitutes violations of 15 USC 1611 criminal liability, 15 USC 1681n civil liability for willful noncompliance, punitive damages, deceptive practices, negligence, and defamation of character under permissible purpose 15 USC 1681. I demand that LVNV FUNDING LLC take immediate corrective action to rectify the inaccuracies in my credit report and provide compensation for the damages I have suffered as a result of their actions. If LVNV FUNDING LLC is unwilling to settle this matter, I am prepared to take legal action to hold you accountable for your violations of the law with {$1000.00} per violation. 

I would appreciate your prompt response to this matter and ask that you cease all attempts to collect on this debt until such time as you can provide the necessary documentation. 
Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: National Credit Adjusters, LLC
State: LA

Complaint narrative:
On XXXX National Credit Adjust Reported a Collection/Charge off onto my credit report with a balance of {$400.00}. I requested that the company provide the original agreement but I have not received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am reaching out to address discrepancies I have discovered in my personal credit report. These inaccuracies are adversely affecting my financial status. While I acknowledge the possibility of errors, I am well-versed in the dispute resolution process and understand that investigations typically take thirty days. 

I wish to highlight the following errors : XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX 

I am willing to give you one final opportunity to process my request regarding my identity theft. Failure to do so will leave me with no choice but to seek legal recourse in the courtroom, where you will be held responsible for the damage inflicted upon my reputation, credit, and emotional well-being as a result of this issue. It is highly likely that the significance of the material facts will become abundantly clear, and you will be required to compensate me for your negligence.

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 2024-04-23 00:00:00
Product: Credit reporting 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 reaching out to address discrepancies I have discovered in my personal credit report. These inaccuracies are adversely affecting my financial status. While I acknowledge the possibility of errors, I am well-versed in the dispute resolution process and understand that investigations typically take thirty days. 

I wish to highlight the following errors : XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX 

I am willing to give you one final opportunity to process my request regarding my identity theft. Failure to do so will leave me with no choice but to seek legal recourse in the courtroom, where you will be held responsible for the damage inflicted upon my reputation, credit, and emotional well-being as a result of this issue. It is highly likely that the significance of the material facts will become abundantly clear, and you will be required to compensate me for your negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have consistently made punctual payments on this account and request that it be accurately reflected. It is frustrating to encounter this discrepancy given my steadfast history of meeting deadlines.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have consistently made punctual payments on this account and request that it be accurately reflected. It is frustrating to encounter this discrepancy given my steadfast history of meeting deadlines.

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 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED.

The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit 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 non-monetary relief
Consumer complaint received 2024-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have consistently made punctual payments on this account and request that it be accurately reflected. It is frustrating to encounter this discrepancy given my steadfast history of meeting deadlines.

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