vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: NJ

Complaint narrative:
I have received a false collection from Redius Global Solutions into my account. 

This was related to doctors information who wanted to perform some informative test of his own purpose to learn some new initiative related to XXXX XXXX XXXX XXXX 

They assured us it will not be credited on our side and they are performing those tests for their own learning purpose then why this collections are appearing into my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I contacted the credit reporting agencies to request a proper investigation on my credit report, in regard to some inaccurate account that required special attention. Over 30 days have passed by, and I have yet to receive anything in the mail. 
It is my understanding that, at this particular moment, and due to COVID19 XXXX, Experian, and XXXX  are under relax enforcements standards according the Consumer Financial Protection Bureau. However, the bureaus are still required to investigate, and process my direct dispute request according to section 611 of the FCRA. In addition, it is understand that I reserve the right to sue you in Federal Court according to section 616 of the FCRA Willful non-compliance, if the bureaus don't comply with my investigation request. 
Account Name : XXXX Account # : XXXX Account Name : XXXX Account # : 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 2020-09-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings
State: NV

Complaint narrative:
For the past 2 years I have been trying to get this problem resolved. There are XXXX accounts on my credit report that are not mine. I have requested that they be removed several times via dispute and I have requested proof and documentation that I applied for these loans. I have yet to receive the proof that I asked for because I have never applied for or received any loans from the XXXX places. 

Rapid Cash and a company called XXXX XXXX are saying that I took out a loan with them, I have been on Social Security since 2013 I do not have an Income to even afford a loan of any type my income won't even get me approved for a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: AL

Complaint narrative:
I have been trying to contact Pennymac about assuming my mortgage to remove my ex-wife 's name from the mortgage. They will not make contact with me despite spending hours on the phone, only to be constantly rerouted or hung up on.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I contacted the credit reporting agencies to request a proper investigation on my credit report, in regard to some inaccurate account that required special attention. Over 30 days have passed by, and I have yet to receive anything in the mail. 
It is my understanding that, at this particular moment, and due to COVID19 XXXX, XXXX, and Transunion are under relax enforcements standards according the Consumer Financial Protection Bureau. However, the bureaus are still required to investigate, and process my direct dispute request according to section 611 of the FCRA. In addition, it is understand that I reserve the right to sue you in Federal Court according to section 616 of the FCRA Willful non-compliance, if the bureaus don't comply with my investigation request. 
Account Name : XXXX Account # : XXXX Account Name : XXXX Account # : 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 2020-09-17 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: NY

Complaint narrative:
I contacted the credit reporting agencies to request a proper investigation on my credit report, in regard to some inaccurate account that required special attention. Over 30 days have passed by, and I have yet to receive anything in the mail. 
It is my understanding that, at this particular moment, and due to COVID19 Equifax, XXXX, and XXXX are under relax enforcements standards according the Consumer Financial Protection Bureau. However, the bureaus are still required to investigate, and process my direct dispute request according to section 611 of the FCRA. In addition, it is understand that I reserve the right to sue you in Federal Court according to section 616 of the FCRA Willful non-compliance, if the bureaus don't comply with my investigation request. 
Account Name : XXXX Account # : XXXX Account Name : XXXX Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 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: CBC Companies, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX ) did not have permissible purpose to access my credit report. Thus they could not certify permissible purpose to the CRA 's and Factual Data. Section 604 defines permissible purpose - " In accordance with the written instructions of the consumer to who it relates ''. XXXX, XXXX, XXXX, Factual Data, and XXXX, circumvented and violated the law by not having written instructions from the consumer to allow accessing credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 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: TX

Complaint narrative:
XXXX XXXX XXXX ( XXXX ) did not have permissible purpose to access my credit report. Thus they could not certify permissible purpose to the CRA 's and XXXX XXXX Section 604 defines permissible purpose - " In accordance with the written instructions of the consumer to who it relates ''. 
XXXX, Transunion, XXXX, XXXX XXXX  and XXXX, circumvented and violated the law by not having written instructions from the consumer to allow accessing credit.

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 2020-09-17 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: TX

Complaint narrative:
XXXX XXXX XXXX ( XXXX ) did not have permissible purpose to access my credit report. Thus they could not certify permissible purpose to the CRA 's and XXXX XXXX. Section 604 defines permissible purpose - " In accordance with the written instructions of the consumer to who it relates ''. 
XXXX, XXXX, Experian, XXXX XXXX and XXXX, circumvented and violated the law by not having written instructions from the consumer to allow accessing credit.

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 2020-09-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was advised to send this message to you to open a formal complaint concerning violations of VA policies governing the VA loan program by VA venders. 

I have a VA loan certificate of eligibility. I own a single family dwelling located in XXXX XXXX XXXX CA. 

I currently hold a 40 year fix conventional mortgage at 4.125 %. 

I began three weeks ago contacting major VA venders such as XXXX XXXX the current holder of the 40 year fix, Chase Bank, and XXXX, to refinance the 40 year fix into a VA 15 year fix or 30 year fix Chase informed me they where not refinancing veterans conventional loans to a VA guarantee loans. Chase Bank stated they were only refinancing VA loans for veterans who have a VA guarantee loan or veterans who are purchasing for the first time. Chase bank is currently in violation of the TILA-RRSP because Chase received all 6 pieces of information from the application I submitted to them. 

I received respectively a XXXX, XXXX, XXXX, credit score. My address is XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. My loan balance is {$470.00}, XXXX, and the value of my home is estimate to be over XXXX XXXX. 

I contacted the Department of Veterans Affairs Loan department in XXXX and spoke with a VA Loan officer. The Loan officer stated the venders were in violation of VA policies and that their action could violate their VA venders status. 
She suggested I contact the venders and conduct a three way conversation with the VA to resolve the issue. I contacted CHASE and all they refuse to conduct the conference call or go on the record. I was instructed to send this e-mail explaining my experience and as of this e-mail I can not find a VA vender to refi my loan following VA policies. I am also filing a complaint against XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 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: AES/PHEAA
State: FL

Complaint narrative:
The loans have me late when I applied for deferment. Also I have asked over and over to validate loan it is too, too high, I don't owe that kind of money, I only have 2 master degrees. I applied for an unemployment deferment and it shows 90 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 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: MS

Complaint narrative:
On XX/XX/2020 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 I'm 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 30 days gives a reason to immediately remove those items on 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 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 2020-09-17 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/2020 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 I'm 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 30 days gives a reason to immediately remove those items on 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 XXXX you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2020-09-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
I submitted a Request for Mortgage Assistance with my loan servicer Specialized Loan Servicing LLC ( SLS ) on XX/XX/2020. I received a Trial Modification Plan ( Original Plan ) on  XX/XX/2020. I fully complied with the Original Plan. On XX/XX/2020, I received the Permanent Modification Agreement ( New Plan ) that had none of the tems of the Original Plan of XX/XX/2020. In fact, all the tems were unfavorable compared to the terms of the Original Plan. I have not received any correspondence from SLS  informing me of failure to fulfill any terms of the Original Plan of  XX/XX/2020. Now, SLS refuses to perform and enforce the Original Plan of XX/XX/2020.

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 2020-09-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ACIMA CREDIT, LLC
State: MA

Complaint narrative:
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation. 
2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information. 
3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ),  in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile. 
I respectfully request each investigation to be reported to XXXX, XXXX  and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
XXXX XXXX XXXX has much of our old credit card debt. I am an XXXX survivor with XXXX and sadly had to stop working after I ended up in a XXXX program for a major setback due to a triggering event at work regarding a member of the management team being XXXX for XXXX XXXX XXXX XXXX XXXX and yet still being allowed to work at the same establishment. 

In the last few years, we have sent countless letters sent by standard mail, certified mail, email and have had direct phone conversations with XXXX XXXX XXXX explaining that the only income acquired is our SSDI ( XXXX ) and that we can not pay the debt. 

Despite us following their instructions completely for the last two years, they have kept calling, sending letters and summoning us to court. As both my husband I and suffer extreme XXXX and XXXX XXXX this is adding quite a bit more to the already fragile situation we live in. 

We sent the documentation to the court and they do acknowledge that as SSDI recipients they can't collect, but the company does not stop the attempts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-17 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:
On XX/XX/2020, I sent a certified letter to XXXX, account number XXXX, The letter contained information that is incorrectly reporting on my Equifax credit report. Through email correspondence. XXXX, agreed that the account was reporting inaccuracy, and sent me verification that they had sent Equifax a request for delete. They also sent the XXXX AUD Control number ( XXXX ). As of XX/XX/2020, this account is still reporting on my Equifax credit report. I contacted Equifax by phone, and was told by the representative, this item was placed in dispute. 

I have included the email that was exchanged between XXXX and myself for your review. 
Remove this item Immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX ) did not have permissible purpose to access my credit report. Thus they could not certify permissible purpose to the CRA 's and XXXX XXXX. Section 604 defines permissible purpose - " In accordance with the written instructions of the consumer to who it relates ''. XXXX, XXXX, XXXX, XXXX XXXX, and Equifax, circumvented and violated the law by not having written instructions from the consumer to allow accessing credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I had multiaple inquires submitted by a dealership when I only authorized them to run my credit once. This happened twice. The first set is XXXX   XXXX XXXX, XXXX, AND XXXX XXXX DEALER is dated for XX/XX/2019. SOUTEAST XXXX XXXX and XXXX IS DATED FOR XX/XX/2019. I did not approve for them to pull my credit this many times. There was a recent event where a mortgage company did the same, the inquires are from XXXX dating XX/XX/XXXX, XXXX XXXX and XXXX. I would like to dispute these and have them removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have successfully disputed numerous accounts from the exact same companies on XXXX  and XXXX, however when I try to do the same on experience, its seems unless I buy a product from them there is an adverse response to my disputed items. This has resulted in over a XXXX point difference in my credit scores and has hampered my efforts to buy a home

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 2020-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CORELOGIC INC
State: FL

Complaint narrative:
I had multiaple inquires submitted by a dealership when I only authorized them to run my credit once. This happened twice. The first set is XXXX   XXXX XXXX, XXXX, AND XXXX XXXX DEALER is dated for XX/XX/2019. XXXX XXXX XXXX and CREDCO IS DATED FOR XX/XX/2019. I did not approve for them to pull my credit this many times. There was a recent event where a mortgage company did the same, the inquires are from CREDCO dating XX/XX/XXXX, XXXX XXXX and XXXX. I would like to dispute these and have them removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation