vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-19 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: GA

Complaint narrative:
Im a victim of identity theft. A. fraudulent account from XXXX XXXX XXXX, was recently placed on my credit report. Ive tried speaking with both credit bureaus and the collection agancy. Ive also sent multiple copies of FTC reports requesting this information be blocked from my credit report. 
Ive never done business with XXXX XXXX XXXX, Or XXXX XXXX XXXX XXXX nor or signed into a written contract with these companies. This is a fraudulent 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 explanation
Consumer complaint received 2021-05-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX, XXXX and TransUnion are reporting 15 derogatory accounts and 14 inquiries on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 3rd dispute letters to XXXX, XXXX and TransUnion since XX/XX/2020 asking them to investigate these accounts and I have not yet received a written response or see any updates on 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 explanation
Consumer complaint received 2021-05-19 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX, Equifax and XXXX are reporting 15 derogatory accounts and 14 inquiries on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 3rd dispute letters to Equifax, XXXX and XXXX since XX/XX/2020 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 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: OH

Complaint narrative:
Recently while conducting a monitor of my credit report I discovered items that have unverifiedinformation. Under the Fair Debt collectionsPractices Act, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partytorelease myinformation toathirdparty. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA, section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information 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 explanation
Consumer complaint received 2021-05-19 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: OH

Complaint narrative:
Recently while conducting a monitor of my credit report I discovered items that have unverifiedinformation. Under the Fair Debt collectionsPractices Act, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partytorelease myinformation toathirdparty. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA, section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 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: OH

Complaint narrative:
Recently while conducting a monitor of my credit report I discovered items that have unverifiedinformation. Under the Fair Debt collectionsPractices Act, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partytorelease myinformation toathirdparty. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA, section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information 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 explanation
Consumer complaint received 2021-05-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: CA

Complaint narrative:
someone I was in a relationship with opened XXXX different XXXX XXXX XXXX phone accounts worth over {$5000.00} using my name and personal information. I have tried to dispute this and have it removed but have had no success. The account was actually removed from my credit, sold to someone and placed back on 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 explanation
Consumer complaint received 2021-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NH

Complaint narrative:
Portfolio Recovery Associates contacted me 94 confirmed times by phone using 60 different phone numbers for a debt I never had. I contacted local police, they contacted PRA, PRA ignored them. I hired a lawyer and PRA did not answer the lawyer 's questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Adjusters, LLC
State: NC

Complaint narrative:
I took the loan out in XX/XX/XXXX to help start a XXXX XXXX  position and immediately following, I was rushed to the hospital with barely a XXXX. I was in the hospital for days and was XXXX  for the remainder of the year. They started reaching out during the spring XXXX to collect and I explained everything that happened. I was going to pay as soon as I was able to return to work. It was transferred to National Credit Adjusters and I spoke with a representative about payment and deletion of this negative information in XX/XX/XXXX. It has been months since I paid it off but it dropped my credit score to XXXX from XXXX. I am trying to buy my home back after doing a quick sale when I was getting separated in XXXX. The man who bought it, was aware of my situation and how my husband stopped paying the mortgage out of spite, and he did so with the intention of selling it back to me once I returned to work and became financially independent. I cant get anywhere with NCA and I paid it off and closed the account but they didnt delete it. All of my payment history in the past 20 months has been on time since recovering from my hospitalization and I am not getting anywhere with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I applied for home loan with Bank of America again. My current home was finance by them, and I paid it off with ten years a thirty year montage. I applied was preapproved and told about the discount for XXXX  and me being a good consumer. Application # XXXX. Several week later I had to submit document, and told I had to pay for appraisal and credit report. I submitted the payment via debit card. I ask Mr. XXXX XXXX XXXX XXXX why so early, and have my credit report which is free for BOA clients. Several weeks later I was phoned that my loan was denied, and I will get results in mail. I received the letter from BOA that unable to verify income. My paycheck has been submitted to my checking account since 2008 with BOA. I did closed on the property and had to repay for a new appraisal fee. I ask several times about refunding the fee, and no response. The new mortgage company could not use their appraisal, which was never done, because house was not build. I never received a appraisal report. I have been a loyal customer since 2008, but They are no longer have me as consumer. I want to resolve this issue by mailing my appraisal fee back to my new address. I had very good experience with Bank of America, but after this incident they have lost me as a customer. Everyone says BOA has poor underwriter for home loans and they need to terminate all their underwriters. I am closing all my account with them and going with another bank.

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 2021-05-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Following up to Complaint ID : XXXX because I am still awaiting a response from Bank of America. They did not approach and respond to any of the addressed issues. Please reference the following the above Complaint ID with an adequate, relevant response to the topic at hand. I have waited more than the average response time for a company reply on the Consumer Financial Bureau twice now. I am unsure of the current status of the accounts and only approach to resolve at this point. I have been more than transparent and reasonable with this issue. 

I mentioned in the last Complaint that Bank of America charged my accounts off, which I have evidence or then threatened to sue me via mail some time ago. When attempting to resolve the issue internally on several occassions, many of which took place months and months ago, Bank of America said they could not work with me financially even after I took heed to their advice of going two months behind, which brought down my credit score significantly. Even after doing this, they still offered me no internal financial plans, options, or suggestions as to an appropiate resolve given the pandemic and my current situation during this time. 

At this point, Bank of America is appearing to once again be negligent to the situation and not being transparent in terms of their desired approach and/or proposed resolve to the debts. 

I am extremely disappointed and dissatisfied with their service and their lack of customer support and/or lack of customer solutions. If Bank of America keeps remaining negligent and not complying to Federal COVID relief laws, I will have to move on to a bank that does. 

The Consumer Financial Bureau portal is the best method of contact for 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 2021-05-19 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: TX

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the XXXX  you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 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: IL

Complaint narrative:
On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to XXXX you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX  XXXX and TransUnion are reporting 6 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 1st dispute letters to XXXX XXXX  and TransUnion since ( date of first round ) asking them to investigate these accounts and I have not yet received a written response or see any updates on 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 explanation
Consumer complaint received 2021-05-19 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX Equifax and XXXX are reporting 6 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 1st dispute letters to Equifax, XXXX  and XXXX  since ( date of first round ) asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 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: IN

Complaint narrative:
On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to XXXX you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: GVA Holdings, LLC
State: NC

Complaint narrative:
I took the loan out in XX/XX/XXXX to help start a 1099 sales position and immediately following, I was rushed to the hospital with barely a XXXX. I was in the hospital for days and was sick for the remainder of the year. They started reaching out during the spring XXXX to collect and I explained everything that happened. I was going to pay as soon as I was able to return to work. It was transferred to XXXX XXXX XXXX and I spoke with a representative about payment and deletion of this negative information in XX/XX/XXXX. It has been months since I paid it off but it dropped my credit score to XXXX from XXXX. I am trying to buy my home back after doing a quick sale when I was getting separated in XXXX. The man who bought it, was aware of my situation and how my husband stopped paying the mortgage out of spite, and he did so with the intention of selling it back to me once I returned to work and became financially independent. I cant get anywhere with XXXX and I paid it off and closed the account but they didnt delete it. All of my payment history in the past 20 months has been on time since recovering from my hospitalization and I am not getting anywhere with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
Had 2 XXXX cards valued {$300.00} and sold them thru PayPal and I've never gotten my money and then was told to repurchase 2 more cards value {$300.00} or I would be charged fraud, so I did this value overall I'm out {$600.00} and want my money

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 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: TX

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I submitted a PPP loan 5 times to Wells Fargo. Each time they stated to me that the SBA declined the loan. Each time I called they told me to re-apply. Finally, after the PPP funding ended, I was told there was no longer anything they could do. So I asked them please provide me the loan numbers from the SBA for the loans that I submitted. They are now saying that they did not submit any of the loans to the SBA and they declined the loans themselves. So they decided not to submit my loans. Had they, I would have an SBA loan number and I would be able to fix the issues that they say was a problem which was not a problem. They basically did not care about small loan amounts and did not submit any of my applications to the SBA.

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 2021-05-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
In XX/XX/2020, I applied to Sun Trust to refinance my mortgage of about XXXX. Up front I paid a fee of XXXX for a home appraisal, which they had told me up front was not needed but send the money NOW. I did. We are going now on NINE MONTHS and still they are asking for documents I sent back in XXXX LAST year. They do not answer my phone calls! I am no where near closing. I have to go with a new company and they want to appraised my house again. Mind you it has been appraised two times with value of XXXX. I want that XXXX back! I have to get another appraisal with my new company. They never did anything about moving this along. Thank You.

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 2021-05-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC
State: MD

Complaint narrative:
The following collector is claiming that I owe them WAYPOINT RESOURCE GROU ( {$650.00} ) but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation