vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-21 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: PA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}

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 2022-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Paypal Holdings, Inc
State: CT

Complaint narrative:
PayPal owes me several refunds and has told me over and over again that it takes 5 business days for the refunds to post to my bank account and my mom 's bank account. Well it's been over 5 business days and I have checked both my bank accounts and my mom 's bank account and there's not one refund posted to either of our accounts! PayPal will not answer the phone whenever I call them about this. PayPal claims that there are cases still open, yet those so called open cases have refunds attached to them and the cases that don't should have been closed in favor of my mom and me. This is based on several things involved in those so called open cases. I have tried several times calling PayPal no luck they won't answer the phone. I send them messages in their message center and they continue lying to me. There is absolutely no reason whatsoever that I should believe PayPal will send me and my mom our money back even though they are supposed to. Plus I want PayPal to send my refunds to a bank account I gave them but they refuse.. my XXXX XXXX XXXX  account even though I've linked it to my PayPal account like PayPal told me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
On XX/XX/2022, XXXX XXXX with Rocket Mortgage sent me a conditional pre-qualification letter stating a FHA 30 Year Fixed rate loan could be used for closing on my next property. Prior to receiving this pre-qualification letter, I had informed her that I was actively looking for a primary residence in the XXXX area and planned to keep my current residence in XXXX, TX as a rental. She sent me the pre-qualification letter knowing my home search was in the XXXX, TX area and my current residence was also in XXXX, TX. On XX/XX/2022, I put an offer in on a home in XXXX, TX ( 11 miles from my current residence in XXXX, TX ) and was accepted. Three weeks into the executed contract timeline, XXXX informed me that they could no longer use FHA funding because my new prospective residence is within 100 miles of my current residence that I planned to keep as a rental. As a result, I needed to use conventional funding. Unfortunately, my debt to income ratio was too high to qualify for a conventional loan so they sent me information about what debts I needed to pay down before I could qualify for conventional. I asked for a fee break down or a loan estimate to understand how much money I need to put towards debts to reduce my debt to income ratio enough to qualify for conventional so XXXX sent me a loan estimate for conventional funding with cash needed to close to reduce my debt to income ratio enough to close with conventional. I began looking at pulling money out of retirement accounts to close on this home. At the beginning of XXXX, I received an email from XXXX stating that Rocket would not fund the home at all. They then backdated a letter to XX/XX/2022 that they would not fund the loan and uploaded it to my account. 

I am filing a formal complaint here for two reasons ( 1 ) the milage requirement for FHA funding should have been discovered and disclosed prior to a pre-qualification being sent out. ( 2 ) The ambiguous conventional loan requirements, misleading loan estimate, and backdated letter of disqualification for a conventional loan was extremely deceptive and should have received clear, accurate, and timely communication. 

As a consumer who was provided bad information multiple times, I am in a very precarious living situation. I am under contract on a home that I am not sure I can purchase, and I have {$2500.00} in earnest money on the line. If I had received correct information from the onset, I would have never put an offer in on this home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 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: MI

Complaint narrative:
the company 's below have violated my rights. 15 USC 1681 SECTION 602 A 15 USC 1681 SECTION 604 A SECTION 2, 15 USC 1681c ( a ) ( 5 ) company had also NO PERMISSION to report ANYTHING USING MY INFO PURSUANT TO 15 USC 1681 4 XXXX  XXXX # XXXX XXXX  XXXX # XXXX XXXX XXXXXXXX # XXXX XXXX XXXX XX/XX/2021, XXXX XXXX XX/XX/2021, XXXX XXXX XX/XX/2021, XXXX XXXX XXXX XX/XX/2021, XXXX XX/XX/2021, XXXX XX/XX/2021, XXXX XX/XX/2021 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 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: MI

Complaint narrative:
the company 's below have violated my rights. 15 USC 1681 SECTION 602 A 15 USC 1681 SECTION 604 A SECTION 2, 15 USC 1681c ( a ) ( 5 ) company had also NO PERMISSION to report ANYTHING USING MY INFO PURSUANT TO XXXX XXXX XXXX XXXX XXXX  XXXX # XXXX XXXX  XXXX # XXXX XXXX  XXXX # XXXX XXXX XXXX  XX/XX/2021, XXXX XXXX XX/XX/2021, XXXX XXXX XX/XX/2021, XXXX XXXX XXXX XX/XX/2021, XXXX XX/XX/2021, XXXX XX/XX/2021, XXXX XX/XX/2021 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 2022-10-21 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: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
XXXX XXXX  credit card way back in XXXX  card closed charge off paid that bill now resurgent bought a debt that was already solved and or someone else using it claiming to be me I'm not paying someone else who's claiming it my debt I wasn't even in the states during this time.i want that resurgent credit one card off my report credit limit was only XXXX XXXX this isn't my debt and this isn't right that wasn't me.wheres justice for me this isn't right.i want this removed...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 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: PA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/2022 I sent a certified letter to Experian explaining there's more then a dozen accounts listed on my report that were inaccurate and also shouldn't of been listed on my consumer report. The inaccuracies listed on my credit report remains still and they're grossly affecting my credit score. I requested to be provided proof of these alleged items, specifically the contract, note or other instrument bearing my signature and it was not given.

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 2022-10-21 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: TX

Complaint narrative:
I am submit this compliant for myself and myself only I am a victim of Identity Theft I have attached the information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: MA

Complaint narrative:
In XXXX of XXXX I started making mortgage payments to my mortgage servicer/company Freedom Mortgage XXXX XXXX NMLS ID : XXXX. 

Per my loan documentation I have a 15 year fixed non-escrow loan with a monthly payment of XXXX. 

On or around XX/XX/XXXX the previous mortgage servicer ( XXXX XXXX XXXX ) made a property tax payment ( {$920.00} ) for me ( I have no idea why ). This was my property tax due XX/XX/XXXX. I had to reimburse them, as I had not paid my property tax yet at that point. I was assured all was good. they made the payment in error, and I was able to pay them instead of the town. 

Around XX/XX/XXXX my mortgage was sold to Freedom Mortgage. I made several payments but noticed there was an escrow balance on the account. I made several calls to them and supplied them with my bank statement showing that I had reimbursed Home Point Financial the {$920.00}, I was then told all would be fixed and the escrow would be removed. However, the escrow balance remained on the account. They said the {$920.00} was applied to my principal on the XXXX XXXX, when it should have been applied to the escrow balance. This apparently was done in error. 

On XX/XX/XXXX I called them again to remove the escrow and was told it would be fixed, and I made a payment over the phone of {$1200.00}. All was good I was assured. 

Freedom Mortgage ( for some reason ) then decided to not apply the {$1200.00} and then charged me a late fee. 

I made a payment on XXXX on XXXX on the website ( that is the only payment it would accept ). 

I called them today ( XX/XX/XXXX ) and spoke to an escalation team member named XXXX. 
She said they can't fix it because they already filed some documentation with the IRS for XXXX. I stated this was not my problem but they claim they didn't want to get in trouble with the IRS or redo any paper work. They claim I did not pay a portion of the escrow balance when I paid the {$1200.00} on XX/XX/XXXX and therefore it was not the full payment. I also just found out that they reported my XXXX payment as late to the credit bureaus. They waited until XXXX to apply my {$1200.00} phone payment from XXXX. 

I have made all my payments on this mortgage on time. This escrow mix-up is not my fault. Freedom Mortage is not fixing the issue and they are pushing it on me. This is bad business practice. 
.

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 2022-10-21 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: FL

Complaint narrative:
I am submitting this CFPB complaint to Equifax Credit Bureau for their willful non-compliance with the Fair Credit Reporting act section 605b. Once again, I was a victim of identity theft and the account I am disputing do not relate to any transaction that I have ever made or authorized. I previously sent a dispute letter to Equifax last XX/XX/2022 with complete attachments of my personal information as well as the ID THEFT REPORT I received from the FTC. I have been awaiting for the Credit Bureau 's response and yet Equifax have failed to do so. I have read that under the Fair Credit Reporting act section 605b, the Credit reporting Agencies are required to remove the disputed accounts and information that resulted due to identity theft within the time allowed by law. However, more than a month have passed and upon checking my Credit File, I noticed that the previously disputed account is still reporting on my Credit Report. I assume with this action of the Equifax Credit Bureau, they are saying that the disputed account is verified and that the disputed account belongs to me. I DO NOT HAVE A LEGALLY BINDING CONTRACT WITH THIS COMPANY. If Equifax claims that the disputed account belongs to me, I require the Equifax Credit Bureau to send me copies of proof of verification or proof of ownership bearing my signatures. In the event that Equifax can not prove that the disputed account in mine, please have the disputed account deleted from my Credit File as soon as possible. Once again, please remove the account from my Credit File ; XXXX XXXX XXXX XXXX : {$1400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NCB Management Services Inc.
State: TN

Complaint narrative:
NCB Management Services, has violated the fair debt collection practice act 15 U.S. Code 1692g ( a ) ( 3 ) ( 4 ) Validation of debts. In their initial communication they did not provide a statement notifying me of my right to dispute this alleged debt. Their violation of the FDCPA has caused me grave injuries and damages, Per Frey v. Gangwish, 970 F.2d 1516 ( 6 '' Cir. 1992 ). The FDCPA is " an extraordinarily broad statute '' and must be enforced " as Congress has written it. This company NCB Management has harassed me about a dent in the amount of { {$1100.00} } I have asked them not to harass me call nor send me emails and they continue to do it they also said that my debt will continue to harm my credit until I pay them which I do not owe them. I have never get a loan or credit card from this company and I don't even know who they are or where they are located. Ive never have/had any contracts with NCB Management .

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 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: IL

Complaint narrative:
I have been requesting that any information on my credit report be verified by the collection agency that has placed the collection on my credit report. 
This collection of {$760.00} has been on my report through a collection agency name XXXX. I sent request to all 3 bureaus, and it was removed because it was not verified. Now 2 years later, A new collection agency XXXX XXXX XXXX  has put this collection on my credit report. I have written all 3 credit bureaus again XXXX removed it, but XXXX and Experian have not removed it. I informed them that any automated response, or e-oscar verification is unacceptable. 
I have requested that they provide me with the description of the procedure used to determine the accuracy and completeness of the information is hereby requested Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. They have not complied with the request.

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 2022-10-21 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: FL

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXXXXXX 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 US SM BUS ADMIN ODA XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX US SM BUS ADMIN ODA XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/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 2022-10-21 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:
XXXX days ago I requested my PAYPAL.COM account to be deleted and all data removed, as the account has repeatedly been compromised with access to my bank accounts opened to unauthorized persons over the Internet. 

Initially I could not close the account myself because of a linked PAYPAL CREDIT account. Now that linked account is deactivated but the company still will not deactivate the account and remove all data. I have used all available support and service channels to make this request and they continue to delay and respond saying the problem will be re-escalated and investigated again. I don't need any further investigation and have made it clear on several occasions that I just want the account deleted along with all associated data. 

I previously unlinked all financial institution accounts but I continue to receive messages indicating that someone has accessed the account or tried to reactivate it with my email address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SLM CORPORATION
State: CO

Complaint narrative:
Daily phone calls from Sallie Mae asking if I know someone called XXXX or similar name. Every time I tell them I have never heard of this person and please take me off their calling list. They tell me they will remove me and then call again and again and again. Non stop for the last couple of months. 
They are not calling about any debt that I owe. I have never owed this company money and I dont know the people they are looking for.

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 2022-10-21 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: IL

Complaint narrative:
There are medical debts from XXXX XXXX XXXX XXXX showing on all of my credit reports such as with XXXX XXXX, Equifax, and XXXX. This medical debt does not belong to me. I have tried in vain to get this corrected with the credit reporting agencies via proper disputes, but no appropriate action was taken. As per the Fair Debt Collection Practices Act ( FDCPA ) and other State and Federal Debt Collection Laws it is in violation of my rights to have inaccurate and medical information appearing on my credit file such as debt that is alleged from a hospital. This is also, in violation of my medical privacy as per the XXXX XXXX XXXX XXXX as this debt is not mine and I have not given consent for any establishment to share medical data pertaining to me. Furthermore, this is a third-party collection that I have no contract or relationship with and is not obligated to them. I seek expeditious removal of these erroneous items from my credit reports.

Company response to consumer: Closed with explanation