vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-24 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
To whom it may concern, The reason for this letter it to dispute an unauthorized inquiry on my credit report. On XX/XX/2021, I retrieved a letter from Comenity Bank and discovered an inquiry that I have no knowledge of ( XXXX  Inquiry date XX/XX/2021 ). 
Because I did not apply for credit with Comenity Bank. 
Please launch an investigation of inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. 
If you find that the inquiry is invalid, I am requesting that it be removed from my credit report as soon as possible. But if Comenity Bank is able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. 
Thanks in advance for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX XXXX ASKED BUREAUS TO NOT REPORT DATA FOR XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, AND XX/XX/XXXX. BUREAUS NEED TO FOLLOW REQUESTS AND DELETE. THIS IS NOW PAST DUE.

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 2021-08-24 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: MI

Complaint narrative:
XXXX XXXX  ASKED BUREAUS TO NOT REPORT DATA FOR XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, AND XX/XX/XXXX. BUREAUS NEED TO FOLLOW REQUESTS AND DELETE. THIS IS NOW PAST DUE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
on XX/XX/2021, i sent a letter to PORTFOLIO RECOVERY ASSOCIATES about a alleged debt of XXXX and requested them to cease and desist everything until i received the validity of the alleged debt that they say i owe.it was sent usps certified mail w/tracking # XXXX XXXX XXXX XXXX XXXX and it was Delivered : Sun, XX/XX/XXXX, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 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: MI

Complaint narrative:
XXXX XXXX ASKED BUREAUS TO NOT REPORT DATA FOR XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, AND XX/XX/XXXX. BUREAUS NEED TO FOLLOW REQUESTS AND DELETE. THIS IS NOW PAST DUE.

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 2021-08-24 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: SHM Holdings, LLC
State: TX

Complaint narrative:
On XX/XX/2021, Strong Home Mortgage run a hard inquiry on my credit report without my consent lowering my credit score which could impact credit rate for a purchase I have planned for the short term. I got reached out via email by two employees asking me for more information to provide a quote, XXXX XXXX, XXXX & XXXX XXXX, XXXX. 
I didn't reply their messages since I was not interested anymore in getting a quota. However, they went ahead and run my credit report creating a hard inquiry without my authorization. 

XXXX XXXX NMLS ID # XXXX Senior Loan Officer Strong Home Mortgage , LLC Branch NMLS ID # XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: OH

Complaint narrative:
I was looking at refinancing my existing loan with the same company. This started at the beginning of XX/XX/XXXX. When it got to the closing disclosures to sign myself and my spouse looked over the documents prior to signing and the numbers looked off and we tried to ask them but they did not explain it well and went in circles making it more confusing. Because of that we chose to take the closing disclosure to two other people who process mortgage loans and they both explained it easily to us and that the numbers did not match the interest rate they were providing. After that we chose not to go through the refinance with the existing company. I politely told the loan officer that we were no longer interested and they sent another email to get us to sign the documents. I again responded that we were not interested in refinancing. They responded that they didn't understand why and tried to explain their numbers again which I replied we were no longer interested and to cease communication regarding it and that any further communication regarding the refinancewould be considered harassment. We then got a call from them to schedule time to go over and sign the closing disclosure to which I responded that it was already stated we were no longer interested and it was now harassment. We got another call from the same person to go over the closing disclosure and I responded again that it was harassment and that we had already requested the loan be declined. On Tuesday XX/XX/XXXX we received a copy of the closing disclosure to sign and return that was dated XX/XX/XXXX after we had told them to decline the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
on XX/XX/2021 and XX/XX/2021, i sent letters to transunion and XXXX  about these inaccurate items on my report they have not verified or deleted them from my report. i sent them usps certified mail w/tracking # XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX. i need help getting this matter resolved

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 2021-08-24 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: CA

Complaint narrative:
Dear Sir/Madam, I have an account with paypal for like nearly 10 years. Last XX/XX/XXXX I received an email from permanently limited for a potential risk. Which I am confused why would my account be a potential risk that the account doesnt have any transactions for the past 8 months. I called paypal 3 days ago to allow me to withdraw the funds for $ XXXX as their is no potential chargeback or whatsoever as their no transactions for the past 180 days. The customer service responded that it is their system that they hold the funds for 180 days even if is no transactions for like 8 months. How that abide their rules or policy stating on their email that they hold funds for 180 days for potential chargebacks which I do not have any payment received for the past 8 months. This is not fair holding the funds for 180 days without any valid reasons, it is just because their system default for holding 180 days even if their is no potential risk of having a financial recovery as the account doesnt received any payments for the past 8 months ( last transaction XXXX for {$78.00}. 

My paypal email is XXXX Reference ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 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: NAVY FEDERAL CREDIT UNION
State: HI

Complaint narrative:
Navy federal credit union is reporting 3 closed accounts from 2013 on my credit report they continue to do so after disputes have been won in my favor. Please stop all reporting from Navy federal CU

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
XXXX XXXX XXXX, my account was hacked for XXXX someone stole my money from several atms, I reached out got police report and all still Im being treated unfairly XXXX denying my claim, Bank of America prepaid card stole all my unemployment funds Im struggling

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 2021-08-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: GLA Collection Company, Inc.
State: ID

Complaint narrative:
In my original complaint about GLA Collections I had asked them to provide confirmation that this account was going to be removed from my credit. In their response to me they stated they would request the " trade line '' be removed. This means two things, first, that the request has not yet taken place. Second, they did not provide me any form of confirmation of the request other than their word which means nothing considering they didn't provide written notice or otherwise of this account in the first place. Until they provide me confirmation in the form of a Control # from Eoscar or a letter sent to me via email at XXXX showing the request has been placed with the credit bureaus, I am considering their actions threatening and emotional harassment. 
I have done nothing wrong and this company is ruining my credit every single day, and until I have proof that the removal of this account from my credit is being taken seriously I will consider legal action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CT

Complaint narrative:
30 year mortgage pd in full XX/XX/2021 still have not recid pd contract back and have been told that would take 60 to 90 days.all i am looking for is the original contract marked pd in full. i I have been billed and i have issued my payment chks to XXXX now I am informed that the mortgage is thru loan care of the same address and was directed to them, and was told by XXXX that the pd documents would take 60 to 90 days to reach me when I spoke to XXXX supervising manager employee # XXXX he informed me that if I wanted these documents I had to request them in writing? All I am looking for are my contracts back marked pd in full. Loan Care XXXX XXXX  XXXX, XXXX  XXXX, Virginia XXXX. Thanks XXXX XXXX XXXX XXXX XXXX XXXX Ct 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 2021-08-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
PAID TO DELETE ARRANGEMENT WITH XXXX XXXX XXXX. PLEASE DELETE. THIS IS OLD NOW.

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 2021-08-24 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ONLINE Information Services, Inc.
State: NY

Complaint narrative:
On XX/XX/23 I received an email about my credit report score being lower. When I looked into why, I found a collection account of {$1600.00} from XXXX XXXX XXXX XXXX XXXX. I immediately tried calling and them I reported it as fraud on my credit report. I called them once again and was able to speak to someone, who told me the account is for and address in XXXX XXXX- with my name and ss #. I told her I never live there and I don't know anyone who lives there nor did I give anyone permission to use my information to open any accounts. She refer me to FTC and suggested I filed a consumer complaint and that is what I'm doing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-24 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: EQUIFAX, INC.
State: MI

Complaint narrative:
PAID TO DELETE ARRANGEMENT WITH XXXX XXXX XXXX. PLEASE DELETE. THIS IS OLD NOW.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I own a two family home. I applied for a loan modification back in XXXX of XXXX. Prior to that date we had fell behind in paying the mortgage back in XX/XX/XXXX. My brother who is the co borrower on the loan fell behind due to getting laid off from work due to COVID and my second job was also cut off until further notice. XX/XX/XXXX, my brother then filed a quit deed and that left me alone to pay my mortgage. My tenant loss her job XX/XX/XXXX due to COVID and then moved out. I have been in communication with Bank of America since XX/XX/XXXX until now XX/XX/XXXX. It's been 8 months of a prolonged loss mitigation review process. They have asked me for endless repeated documents and also explanation of expenses. I have been nothing but compliant with all of the documents that was asked for. I call and check in every week with something new being asked of me to send proof of every time. Just when I thought they had everything, the underwriter asked for tax transcripts and proof of water bill back in XX/XX/XXXX which I provided in XXXX  XXXX. XX/XX/XXXX I received a letter that they did not receive documentation of income or proof of occupancy and they closed my case. That was a conflicting letter because every document they asked for I sent it in a timely fashion and spoke to a loan representative every week. It's a dead end calling because someone different answers every time and has to review the file all over again with no answers. I don't know if because I am XXXX american that they won't help me and is basically giving me the run around. They would keep telling me they are noting the account and messaging the under writer and call back in a few days and when I call back dead end no answers. Today XX/XX/XXXX was the last straw for me when they told me that my file was closed on XX/XX/XXXX and I would have to reapply. This is not my fault I want help more than anything and I have been sending my information faithfully upon asked and checking in every week. They don't call me to ask me for information needed. Whenever I call that's when I know information is needed. This is unacceptable and unprofessional there are programs to help people and they won't help me. This is not the first time I have reached out to them regarding my mortgage and they keep denying me. I have XXXX  children I need my home. I have an income all I need is mortgage relief and lower monthly payments. Its very stressful trying your best to save your home and then to find out for all these months was a dead end. Its not right XXXX  I am XXXX, XXXX  XXXX  confused and I don't know where to get help.

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 2021-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
According to 15 U.S.C 1681 states that CRAs are required to report only accurate credit reports and exercise the consumer 's right to privacy. 15 U.S.C 1681 subsection ( A ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

These consumer reporting agencies are in violation, of which, 15 U.S.C. 1692g ( a ) - Notice of Debt { Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing }. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt.

I contacted them multiple times but I never received any response yet, which violated my rights on 15 U.S.C 1681N and 1681O for their willful and negligent non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 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: Kriya Capital, LLC
State: TX

Complaint narrative:
In XXXX  my identity was stolen, I had numerous amounts of checks being wrongfully wrote in my name, Accounts being opened at banks that I owe thousands of dollars for as in XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX {$2400.00} credit card opened in my name XXXX  opened in my name in the amount of XXXX XXXX  was opened in the amount of {$400.00} and also XXXX XXXX XXXX also the debt collection name for this company that has it is XXXX XXXX XXXX for {$990.00} I have filed three police reports and have sent them in numerous times I notice a new inquiry or account opened in my name and they still have not been taken down after correct documentation has been sent to them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
i was billed for something i was told i was denied for, called the company sycrne care credit they dont even have a bill from the XXXX  office and the XXXX  office has no knowledge of this but they are listed as the provider that day

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 2021-08-24 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: PA

Complaint narrative:
My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account : XXXX-Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
I decided to give car back after being charged excessive fees after by company after being one day late. I tried multiple times to get it corrected to no avail. I asked for assistance during covid and they would not assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 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: DC

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of inquiry that is still reporting on my Credit Reports : XXXX XXXX-Date of Inquiry XX/XX/2021 XXXX

Company response to consumer: Closed with explanation