vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
To whom it May concern : After recently reviewing my credit report I noticed several inconsistencies regarding the account ( XXXX XXXX XXXX XXXX -- -- XXXX ) in the ( BALNCE ) & ( PAYMENT STATUS ) section. XXXX  is reporting a balance of {$22000.00} with a current payment status, Experian is reporting a balance of {$22000.00} with a current payment status and XXXX  is reporting a balance of {$22.00}, XXXX with a current payment status now all three of these balances cant be accurate. These accounts appear to be furnished by the same creditor so why is all the provided data different. The balances listed on all 3 reporting agencies is the current balance on my account either. My current balance is {$21.00}, XXXX. It is your duty to ensure that all information reported is consistent and most importantly accurate and you have failed to do so. Please DELETE the erroneous item immediately Thank you, 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 2021-03-28 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: CA

Complaint narrative:
I checked my credit report and it is showing inquiries that are not mine. I repeat! these are not mine. I have no recollection of doing them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Paramount Recovery Systems, L.P.
State: VA

Complaint narrative:
A random negative account for XXXX XXXX XXXX XXXX showing a {$1100.00} debt appeared on XXXX credit report. Absolutely no communication with company on their part has occurred. Disputed in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I checked my credit report and it is showing inquiries that are not mine. I repeat! these are not mine. I have no recollection of doing them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
Hello, I was recently alerted to a change in my credit score, When I checked it out there was a new collections on my account from XXXX sometime, After I researched it I contacted the said original creditor and they admitted the credit card was mailed to an address thats not mine and was used and never paid, As I explained it was 100 % not my account they said its not there problem any longer and I needed to contact the new collection agency which is Midland Credit, So as I contacted Midland credit the representative was very rude and ignorant stating there is nothing I can do but pay in full {$690.00} or settle for {$510.00} but as I explained its not my account they were only interested in getting paid, I have disputed this account with all 3 credit bureaus only to have It come back as accurate, This makes absolutely no sense to me due to this not being my account, Now this account shows as closed with a derogatory Mark on my credit report in which significantly lowered my scores, I dont have any where else to turn for help because it seems Im getting stuck with someone elses debt, Can you please help me? 

Original Creditor : XXXX XXXX XXXX Original Amount of credit : {$300.00} Card mailed to XXXX XXXX XXXX XXXX Pa XXXX Opened XX/XX/2019. 

New creditor : Midland credit XXXX. Fax #. XXXX XXXX. Account XXXX. 
My info : XXXX XXXX XXXX XXXX XXXX XXXX XXXX pa XXXX XXXX XXXX Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
I am a victim of fraudulent/inaccurate accounts appearing on my credit file. I have sent complaints to the credit bureaus for the last 120 days and my issue was not resolved. My rights as an consumer are being violated according to the Fair Credit Reporting Act. My general reputation is being tarnished which is hurting my ability to obtain credit. I am XXXX XXXX and financially, I will seek remedies if my issue is not resolved immediately. The credit bureaus have failed to resolve my issue which I was more than patient in waiting for a resolution so I filed a complaint with the Federal Trade Commission for fraud. The fraudulent/inaccurate items are still appearing on my credit file and I need them removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
USAA Bank Fraud XXXX XXXX account Impersonating representatives accessing account stating account closed. 

Check mailed for remainder of account. 

No verification of account closed. Letter from USSA state changes not closure to account. 

Also current screenshot current status of truck claim fraud. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28 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: VA

Complaint narrative:
I checked my credit report and it is showing inquiries that are not mine. I repeat! these are not mine. I have no recollection of doing them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28 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

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been 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 their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: DC

Complaint narrative:
I closed with Amerisave on a refinance of my primary home on XX/XX/2021 with a public notary. The loan was a standard conventional mortgage with a fixed and locked interest rate. My right of rescission period ended on XX/XX/2021 ; the loan was set to fund on XX/XX/XXXX and subsequently pay off my existing mortgage. The lender never funded the loan and provided no notice ; I have violated no pre/post-close conditions and the lender has not provided a legitimate reason as to why the loan was never funded. 

On XX/XX/2021, I had communication with the lender asking to confirm if everything was cleared from the closing and funding and to let me know if there were any follow up items that needed to be addressed. The lender did not follow up with any outstanding items needed to fund the loan. Upon discovery that my existing loan had not been paid in full as of XX/XX/2021, I began repeated escalation with the lender and received no response until XX/XX/2021. Upon communication with the lender, the lender admitted fault in failing to fund the loan due to a mistake in their processing, that I had met all terms of the agreement and stated it would fund the following day on XX/XX/2021. The loan did not fund on XX/XX/2021 and the lender stated a new closing would need to occur and that all terms of the executed Closing Disclosure would be honored. 

The lender is now reflecting additional fees of {$9900.00} to {$15000.00} to be borne by me and refuses to acknowledge the executed contract and its obligations. At no point between closing, funding and the rate lock, did the lender make any mention of outstanding items necessary to fund the loan and made no requests for additional documentation. Additionally, I proactively reached out to the lender to inquire if there were any outstanding items and to confirm the loan would fund between XX/XX/2021 through XX/XX/2021 ( both in electronic and telephonic format ). 

The lender failed in good faith to process and fund the loan, has failed to honor the contract and provided the borrower with adverse financial terms.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NRA Group, LLC
State: MA

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

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 2021-03-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: NY

Complaint narrative:
On XX/XX/XXXX I spoke with Mohela to request my student loan payment plan and payment history. They said I would receive it in the mail in 7-10 days. I did not receive it. I spoke with them again on XX/XX/XXXX requesting it again. I was told that they are not able to keep those records and that they could not send them to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28 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: TX

Complaint narrative:
Equifax has a note on my XXXX XXXX that it was resolved in a dispute. 
The fact is that this is a brand new card that I just received in XX/XX/2021 and have never disputed anything on it nor do I need to as there has not been enough time for anything to go wrong. Equifax did not remove the remark when I disputed it and another fact is there are no documents to support this remark or any legal record to support this remark. 
I have not asked for the remark.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: MD

Complaint narrative:
PNC BANK Fraud XXXX Alert : Account duplicate Dark Web Cell phone ported Requested Account Closed XXXX XXXX New account/Identity Theft-Calls made received by impersonating representatives. 

Change made to savings account by external party unknown. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
USAA XXXX  Fraud XXXX  Alert : Account duplicate Dark Web Cell phone ported Requested Account Closed XXXX XXXX Terminated Term Life Insurance Policy mid XXXX. Impersonating representatives. 

Intent to collect funds on policy XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WESTSTAR MORTGAGE CORPORATION
State: TX

Complaint narrative:
I started a jumbo loan refinance with XXXX XXXX on XX/XX/XXXX with a promise of a quick close. The loan officer XXXX XXXX stated with everything I already had collected and available - this would be an easy loan to close! They were able to do income verification within a week and then needed to verify assets and liabilities. i submitted over 100 documents to verify all the assets and liabilities. I have not filed my XXXX tax returns - it was XXXX - but they have the previous 3 years of tax returns which should be sufficient. They had my current paycheck, my bank statements. Yet they wanted a XXXX XXXX XXXX for my XXXX for XXXX. Which I provided in the XXXX format that i provide to my CPA. I was then requested YTD for XXXX - which i provided. I was notified on XX/XX/XXXX that I am ready to close pending a marriage certificate of my name change, a signed copy of the loan refi from my husband and a investment document. I provided all three. A week went by and i kept asking when is closing, no response no return of phone calls. Another week, no response to phone calls, texts or emails. Another week goes by and then I get an email out of the blue on XX/XX/XXXX that sorry you did not provide all the documents and the loan rate lock has expired!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
USAA XXXX  Fraud XXXX Alert : Account duplicate Dark Web Cell phone ported Requested Account Closed 1XXXX XXXX Stop payment on XXXX purchases. 
XXXX ID request for deletion XXXX XXXX. 

Unusual notification-former emails and cell number no longer in use ( dated ). Sent duplicates of notification have been in use XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28 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: WA

Complaint narrative:
PayPal has froze my account that I have with them and it has {$5400.00} in it. They will not give a specific reason for freezing my account. Now they want to hold my money for 180 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Colony Brands, Inc.
State: TX

Complaint narrative:
They are reporting late payment this past year when I called and explained that the family had XXXX they said they would not report late and the payment was sent

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Assistance Inc
State: MA

Complaint narrative:
Financial assistance has placed a collection on my credit report from an account that is fraudulent. I have filed a police report and the credit bureus attached a copy for the creditors and financial assistance continues to report the fraud account on my file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
The company fixed the reporting on some of my credit reports but on XXXX  it still incorrectly shows late once last year during the time we had XXXX and was excused

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
On XXXX it is reporting late and we have an agreement that prevents this plus we had XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28 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: MD

Complaint narrative:
I have not authorized any company to pull my credit. I believe Im a victim of identity theft, Im investing all my privacy violations these inquiries negatively affecting my rights of privacy. Nor does this affect my past pattern of behavior according to 15 USC 1681 c-2 these accounts must be removed in 4 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against CAINE & WEINER. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Finance of America Holdings LLC
State: CA

Complaint narrative:
During the course of the loan with Finance of America Mortgage, when gathering documents, the loan agent would repeatedly not respond for days at a time and then rush us to gather certain documents. One particular item was mortgage statements for a rental property that I own that she wasted a whole week going back and forth about documents on. 

On the date we were supposed to close the loan after our second extension, the same loan agent deliberately lied when we told her we needed to close and sign that day, which she knew because she was provided with all of our extension deadlines. She claimed we had an additional extension from the seller which was 100 % false ( the seller even said so in an email ) to further delay the close of our loan which would cause us to lose our deposit for not closing the loan in time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax has not updated my credit score this month and is reporting my credit utilization on my credit cards incorrectly. My credit card company confirmed that they report on the XXXX of every month and they have yet to report this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have not authorized any company to pull my credit. I believe Im a victim of identity theft, Im investing all my privacy violations these inquiries negatively affecting my rights of privacy. Nor does this affect my past pattern of behavior according to 15 USC 1681 c-2 these accounts must be removed in 4 days.

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 2021-03-28 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: MD

Complaint narrative:
I have not authorized any company to pull my credit. I believe Im a victim of identity theft, Im investing all my privacy violations these inquiries negatively affecting my rights of privacy. Nor does this affect my past pattern of behavior according to 15 USC 1681 c-2 these accounts must be removed in 4 days.

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