vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-02 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: GA

Complaint narrative:
Incorrect names please delete : XXXX XXXX XXXX, XXXX, XXXX, I'll never live in the following addresses it is incorrect please delete:XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, OH XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, OH XXXX XXXX XXXX XXXX, XXXX. I'll never work with the following Employer Please delete : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  Delete all the unauthorized hard inquiries : 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 Please delete the following collection I'm a VICTIM of Identity theft I file the report : XXXX XXXX XX/XX/XXXX {$2700.00} XXXX XXXXXXXX {$0.00} XX/XX/XXXX XXXX XXXX XX/XX/XXXX {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
Once again i am writing this complaint after trying to reconcile with your company. I have asked for the account to be permanently removed from my credit report. I have asked numerous time for the debt to be sent back to the original creditor. I have been going the reps on top of reps to getting this issue resolved. I have told PRA i do not want to work with a debt collector that i would rather resolved the issue with the original creditor. I am now asking for compensation of {$1000.00} do to this account having a negative impact on me. I'm asking for a full removal as i have already told PRA i am a victim of identity theft and that i don't know anything about this account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: MO

Complaint narrative:
In XXXX, I send a request to add taxes to my escrow account for mortgage number XXXX. It was never processed. I followed up numerous times after that and was told that it will be processed by XX/XX/XXXX. As of today, XX/XX/XXXX it has not been processed and my account is frozen I am unable to make payments online. I was told that the freeze will be removed by XX/XX/XXXX, but again, nothing was done. I have asked to escalate this issue and a few members of escalation team promised me that it will be resolved. I had to make many calls so far, nothing was done. I was told to make a payment over the phone, but i dont feel safe telling an operator my banking information as there is not guarantee that it will not be misused in future.

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 2023-08-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-08-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clearly stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.

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 2023-08-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clearly stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.

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 2023-08-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
On XX/XX/XXXX I lost my cellphone was stole from a public bathroom. I notified the banks because they could have access to all the apps with access to my accounts. I also called pay pal and let them know of the situacin because there was unauthorized transactions and they still do not allow me to close the account. I provided the case number provided by the XXXX XXXX XXXX ( XXXX ) and let them know that I also dud a report with the FBI. The persn opened an account using my data but never received the card because they changed my address. They want me to be responsable when I let them know about the issue and they didnt closed the account as they asked. I have the following transactions XXXX XXXX {$150.00} XX/XX/2023 XXXX XXXX {$1.00} XX/XX/2023 XXXXXXXX XXXX {$4.00} XX/XX/2023 XXXX XXXX {$1.00} XX/XX/2023 In addition, here is a debit card I didnt solicit ending in XXXX from Paypal. 

No matter I even I sent email explaining the situation they keep responding in favor of merchant. 

I need pay Pal to close the account and make XXXX XXXX responsable because he is the one who stole the phone ( i confirmed his identity ). 
ACCOUNT : XXXX Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: MA

Complaint narrative:
My son received a {$20.00} visa gift card from his friend for his birthday. When I went to use it, they said there was only {$3.00} available. I opened the card in the store so it had not been previously used. The card number on the front was partially scratched out. I called the vanillagift  customer servicenumber. They started a case but said they can not open a case without me sending them a copy of an ID and my birthdate. That is a violation of my privacy. It seemed like a scam. I only wanted a replacement gift card in the amount of {$20.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 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: MI

Complaint narrative:
I am writing to dispute the inclusion of an account on my Equifax credit report that I believe is fraudulent and to assert that I have no ownership or original contract agreement associated with this account. I have reviewed my credit report obtained from your bureau and discovered the following account : Creditor Name : XXXXXXXX XXXX  Account Number : N/A I would like to clearly state that I have never entered into any contractual agreement with the mentioned creditor nor taken out any account with them. The information provided is incorrect and does not pertain to me in any way. I have conducted a thorough review of my records and have found no evidence of any association with this creditor or account. 

Considering the lack of ownership and original contract agreement, I request that you conduct a comprehensive investigation into this matter in accordance with the Fair Credit Reporting Act ( FCRA ). I kindly ask you to take the following actions : 1. Verify the accuracy of the information associated with the disputed account.

2. Provide me with any documentation or evidence that substantiates the existence of a valid contract or agreement.

3. Remove the fraudulent account from my credit report as it is tarnishing my credit history and causing unnecessary harm.

I would also like to request that you provide me with a written response detailing the results of your investigation, the actions taken to resolve this issue, and an updated copy of my credit report reflecting the removal of the fraudulent account.

Additionally, I have taken the liberty of attaching supporting documents that further demonstrate my lack of ownership or association with the disputed account. These documents include [ documents, such as identification documents, proof of residence, insurance bill, police report, FTC report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02 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: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Paramount GR Holdings, LLC
State: LA

Complaint narrative:
Company attempting to take a loan against my rental property to pay for solar panels. I did not contact the company for any type of work.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SANTANDER HOLDINGS USA, INC.
State: MA

Complaint narrative:
My Santander Bank credit card statement included a purported charge from XXXX dated XXXX XXXX, XXXX, in the amount of {$190.00}. Since I never got a ticket from XXXX and never rode on XXXX, I attempted to question XXXX about this charge. But XXXX did not respond to my email. I then began to dispute the charge with Santander, including writing a letter to its chairman, but I did not receive a remotely definitive substantiation of the charge until Santander sent me a letter dated XX/XX/XXXX ( 8 months after the purported transaction ). Santander included internal XXXX screenshots, which were difficult for a XXXX  employee to interpret. After reviewing the screenshots in a conversation with XXXX, I am now willing to pay the {$190.00} principal, but Santander informed me on XX/XX/XXXX that it will only accept payment of the entire balance, including {$190.00} principal, interest and fees, totaling {$410.00}. I believe I should only be liable for the {$190.00} principal, plus interest from XX/XX/XXXX since Santander was only able to validate the charge on XX/XX/XXXX, eight months after the fact.

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 2023-08-02 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: PNC Bank N.A.
State: NJ

Complaint narrative:
Hello, So, I have had a PNC Financial bank account now reporting on my credit report for almost 7 YEARS!!! I have tried everything in my power to have this account removed as it is not mine. I don't remember ever having PNC, and i've been banking with XXXXXXXX XXXX for years. I've tried disputing the account, hiring credit repair agencies and even calling the bureaus and PNC themselves. i've talked to everyone from a customer service rep to those in corporate. I even email the CEO and his assistant to which that got me a response, but no help. I give PNC my social, they can't look me up in the system or find me or the account, yet they tell me i am liable and responsible. This account has 5 late payments on my report which have devastated and crushed my credit. I am at my wits end and all i want is this to be removed. I have so many PNC employee phone numbers, it is sick and i've waisted countless hours. I don't know what else to do. It is not my account, and i'll tell you what. I was considering banking with them and switching, but never would i ever do that now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC
State: TX

Complaint narrative:
I'm writing about my loss mitigation with Amerihome mortgage. I've been overseas for work for the last few months, and did not receive the paperwork for the loss mitigation before the deadline. Amerihome canceled the mitigation because the documents were not returned in time. I want to formally appeal this decision, and can provide documents substatiating that I took a new job overseas, but plan to maintain this home as my permnanet residence. I would like the mitigation to be reinstated so that I can get the documents to them in a timely manner. I told the Amerihome representative that I would be overseas, and they assured me the documents would be emailed, but this did not happen.

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 2023-08-02 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
Ally said over the phone that it was paid off after the wreck in XX/XX/2019. XXXX XXXX totaled the car out due to the wreck., So i don't understand why I have a balance. 
i was current on all my payments at the time. The car was XXXX XXXX paid off.

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 2023-08-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: MI

Complaint narrative:
In XX/XX/XXXX, I submitted a Public Loan Forgiveness form for a previous employer, The XXXX XXXX, who owns a number of charter schools in the state of Michigan. I worked for this employer as XXXX XXXX XXXX from XXXX to XXXX in a charter school owned by them, XXXX XXXX. The organization was not approved as an eligible employer even though their business lies in public education. I have many qualifying payments during this time of employment for PSLF, however, since MOHELA and the Department of Education are not deeming The XXXX XXXX as eligible as a qualifying employer, these payments are not counting towards my forgiveness. If they did I would have over the 120 qualifying payments to be forgiven. To add to this situation, I have asked MOHELA for a review of the employer and supplied additional documentation to them on how XXXX XXXX, owned by XXXX, is a public not-for-profit. I do not believe they read through any of it and still denied the approval because XXXX writes the paychecks. Lastly, I filed for a reconsideration request in order to get XXXX approved as an eligible employer so my payments would count. I did this through the Federal Student Aid website on XX/XX/XXXX. Today, XX/XX/XXXX, I spoke to two different individuals from Federal Student Aid who were not able to access this reconsideration request and could not tell me anything about it. I am beyond frustrated as MOHELA and Federal Student Aid/Department of Education have made this so hard for me when I have been teaching in public education since XXXX and should have my student loans forgiven.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02 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: WI

Complaint narrative:
On XXXX I sent letters due to inconsistencies and inaccurate information reporting on my account. I specifically requested for any accounts that were not reporting 100 % accurate to be deleted. I sent a description of each account and the item that was reporting incorrectly. To my surprise, when I reviewed my credit report again on XXXX, the incorrect items were continued to reflect on my credit report nor has anything on my credit report been updated to reflect the correction. I sent letters again on XXXX informing you that I had yet to receive a response informing me that these items were being investigated, updated or deleted. Since then, I continued to send letters to the bureau as well as the creditor requesting validation and proof that this information was reporting correctly, but nothing has been resolved or updated to date. This has been an ongoing issues. I just pulled my report again and it is now XX/XX/2023 and these errors are STILL showing on my credit report. This is a violation of my rights as a consumer and my concerns are not being addressed. The creditors do not have authorization to access the account nor authorization to attempt to collect on the account and the inaccurately reporting accounts continue to negatively affect me. Please remove the following accounts from my credit profile. The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). The information provided is NOT correct which goes against the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 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: PA

Complaint narrative:
15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed 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 2023-08-02 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: Solar Mosaic LLC
State: FL

Complaint narrative:
There is an account being reported on my credit report that I did not open. i have sent letters out to the company to show me proof of account ownership twice and have gotten no response. i have also disputed this item with the credit reporting agencies, they respond with a account is verified response. I have also requested method of verification information from the CRAs and i have gotten no response. 


tracking : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 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: Sensible Auto Lending, LLC
State: NJ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore and such debt, in fact therefore exists.

Company response to consumer: Closed with explanation