vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-22 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: EQUIFAX, INC.
State: NV

Complaint narrative:
Im submitting this complaint against Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I requested my annual free credit report, XXXX, XXXX, and Equifax are all saying they can not verify my Identity and that I must request it in writing. They do not want to give me a copy of my credit file as they are refusing, they as all three credit bureaus are wanting me to send copies of my utility bills and drivers license, and my Bank Statement to them by email. 

I have filed several complaints against them so they have my information on file, I refuse to share my Banking information with the and I do not pay a utility bill as my sister pays that, My drivers license expired but I have a U.S. Passport and still have my Drivers License. but they are refusing to use my Passport as I.D . 

As they have several complaints that I have filed against them through your agency, they have all of my information and there should be no reason for them to deny my request for an online credit report and score, I am willing to pay for the score but the report should be free every week. They are making it difficult for me to see my credit file. 

Your agency has all of my complaints and their responses since 2018, so I would like access to pull my credit report as your agency has every request and their responses, thus they can not say the can't verify my info. 

I have the rigiew mit files online like everyone

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I requested my annual free credit report, XXXX, Experian, and XXXX  are all saying they can not verify my Identity and that I must request it in writing. They do not want to give me a copy of my credit file as they are refusing, they as all three credit bureaus are wanting me to send copies of my utility bills and drivers license, and my Bank Statement to them by email. 

I have filed several complaints against them so they have my information on file, I refuse to share my Banking information with the and I do not pay a utility bill as my sister pays that, My drivers license expired but I have a U.S. Passport and still have my Drivers License. but they are refusing to use my Passport as I.D . 

As they have several complaints that I have filed against them through your agency, they have all of my information and there should be no reason for them to deny my request for an online credit report and score, I am willing to pay for the score but the report should be free every week. They are making it difficult for me to see my credit file. 

Your agency has all of my complaints and their responses since 2018, so I would like access to pull my credit report as your agency has every request and their responses, thus they can not say the can't verify my info. 

I have the rigiew mit files online like everyone

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 2021-03-22 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX  XXXX/XXXX  XXXX ... XXXX  XXXXthat listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report 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 2021-03-22 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: NJ

Complaint narrative:
Some one opened a XXXX XXXX account in my name. This account was sold to Portfolio Recovery Associates. I XXXX not owe this debt. I contacted the company several times to rectify the matter, but have found them uncooperative. I've asked for a validation of this debt, specifically the original contract bearing my signature, and identification of the individual that opened up the fraudulent account in my name. They have not provided validation. This is harming my good credit rating, and I have missed several opportunities because of this incorrect information on my reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-22 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Paypal close my account on XX/XX/2020 for no reason and will not help me with getting it back up and going, with an amount of aproximately $ XXXX.i am not sure if this is some mistake as i assume it has to be.I have not able to get help from them for months, but i just remembered i could file a report on here as i feel they are not doing there job properly and it is affecting me a great deal as i used paypal quite frequently.My email linked to paypal is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 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: Resurgent Capital Services L.P.
State: MS

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX LVNV FUNDING LLC XXXX ... XXXX  XXXX/XXXX  XXXX ... XXXX  XXXX listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX I sent a email asking Amerihome to up date my new lower tax bill. They replied and said, I would need to wait for analysis in XX/XX/XXXX. Analysis came back with a check, but the numbers were still wrong! They've paid the lower yearly amount of {$1500.00} twice!! I called and asked for a analysis re in- valuation on XXXX spoke to XXXX XXXX Then I spoke to XXXX XXXX I also wrote on the web site. They have been removed ... But my recent messages dates are XXXX XXXX and today XXXX Even with showing them the bill they still insist that my tax bill is {$5500.00}. When in fact it's {$3000.00} Which can lower my mortgage about by {$200.00}. a month. They need help calculating my monthly escrow! Please help me! In a couple of months, I'll be XXXX, I'm XXXX with a fix income! I think their trying to make me lose my home! ... Somebody in there department has dropped the ball and has not up dated their end!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
On XX/XX/2021 there were 13 charges made to my Bank of America checking account totaling {$4300.00} in a very short time span. I nor my husband made or authorized the charges to be made. This is a significant amount of money! The Virginia Lottery has been amazing but Bank of America has not!! I have provided a signed letter to the bank, the Virginia Lottery has closed both accounts.

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 monetary relief
Consumer complaint received 2021-03-22 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I applied for student loan forgiveness through the Public Service Loan Forgiveness Program ( PSLFP ) and was denied the loan forgiveness ( XX/XX/XXXX ). It turns out my loans were ineligible. However, I was never given the information that my loans were ineligible even when I spoke with my student loan provider Navient in XXXX when the program began and in XXXX when I called them to switch to an income repayment program and told them I was working towards forgiveness on the PSLFP I was not told, nor could find any information at that time, that FFELP loans were not eligible and the repayment plans I had been on prior to XXXX and after XXXX would never make me eligible for this program. On XX/XX/XXXX when I called Navient after being denied PSLF by the Dept. of Education, that is when they then told me my loans were ineligible. Nothing on my account summary or information of my loans on their site ever said my loans were through the FFELP. Onluy after my call on XX/XX/XXXX did they switch the description of my student loans on my account summary on the online portal. Prior to XX/XX/XXXX it just listed them as " consolidation ''. After XX/XX/XXXX it still said " consolidation '' but they added FFELP on my account summary. Clearly they are giving misinformation to customers and not providing them with the information they need to be able to qualify for these programs. If I had been told in XXXX and XXXX that my loans were not eligible, I could have transferred my loans to a Direct Loan consolidation and then started working towards the 10 year requirement to qualify for the PSLF program. Only finding out now is not only really upsetting because I worked those 10 years towards nothing, but if I switch my loans at this point to Direct Loan consolidation and have to start the clock again, I will pretty much have paid off my loans in 10 years and would not even need the forgiveness program. I urge you to do something about these unethical practices and the misinformation or lack of information student loan services provide their customers on these programs. Clearly it is not in their best interest to have our loans forgiven and I feel that dictates their practices. Given that the DOE has only forgiven 1 % of loans through the PSLF program and there had to be a congressional hearings in XXXX to investigate the practices of the DOE in regards to this forgiveness program, there is clearly some kind of wrongdoing or unethical practices taking place by the DOE and lenders like Navient to prevent people from qualifying for it, whether directly or indirectly through misinformation or lack of information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: AL

Complaint narrative:
I received a notification from CCS offering a discount payment of 50 % for an alleged debt on XX/XX/21. I do not have a contract with this collection agency and the notification did not advise of the 30 day validation of debt option. Be advised that I am not requesting a verification that you have my mailing address, I am requesting a validation that is competent evidence that I have some contractual obligation to pay you ( CCS ). Under federal law you have 30 days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to provided within 15 days of the completion of your re-investigation.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I have tried contacting all 3 credit bureaus to drop these inquiries. XXXX  is no help even after speaking with a customer service representative. I can not get XXXX  or equifax to take them off either.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have tried contacting all 3 credit bureaus to drop these inquiries. XXXX is no help even after speaking with a customer service representative. I can not get experian or XXXX  to take them off either.

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 2021-03-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Chrysalis Holdings LLC
State: MD

Complaint narrative:
In a previous complaint on XX/XX/2021 about XXXX XXXX XXXX XXXX when he hung up me his last words were I can't do business with you! This was after he had done a hard look at my credit report with my permission. On XXXX XXXX I received a statement of credit Denial, Now he has looked at my income, WITHOUT my permission. I DID NOT ASK FOR ANYTHING but a Interest rate. I never told him anything about what I was looking for! Since this letter was dated XXXX XXXX had he received my complaint and trying to mess with credit! I want all XXXX XXXX To clean this off my credit reports and New Day to explain why He was ALLOWED to Do this. I have approvals from other lenders I was just looking for a better interest rate! Someone needs to control this Individual! 
Thank you 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 2021-03-22 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: CO

Complaint narrative:
On XX/XX/2021, I 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 for my disputes and concerns. 
Section 611 ( A ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX  account I have not supplied proof under the doctrine of estoppel by silence, engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume no proof of the alleged debt, therefore any such debt, in fact exist

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 2021-03-22 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: Bread Financial Holdings, Inc.
State: MS

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... COMENITY BANK/XXXX XXXX ... XXXX XXXXthat listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 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: CREDIT ACCEPTANCE CORPORATION
State: MS

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX/XXXX XXXX ... CREDITACPT XXXXthat listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report 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