vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-25 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: NY

Complaint narrative:
back in XXXX of XXXX I disputed two bankruptcy # XXXX and XXXX that was showing on my credit with all three credit bureaus. they claimed that they investigate the Items and they was verified by XXXX as accurate. 
In XXXX of XXXX I dispute the items with XXXX and they investigate the items and remove them form my credit report. 
on XX/XX/XXXX I disputed the said items and received a dispute report dated XX/XX/XXXX from Transunion report # XXXX stating that the disputed item was verified. I call Transunion and ask to know the method of verification and they stated that I'm not entitled to that information. I ask to speak to an supervisor who basically told me the same thing. after about forty five minutes on the phone call, the supervisor said that they will verified the items with the furnisher. I then asked who is the furnisher, and she said the court. back in XXXX of XXXX I received a letter from the court stating that the court do not furnished any information to any third party reporting bureaus. 
the representative told me that they will investigate the items again if I would like to dispute the item again. I told her that I would like to dispute the items on the XXXX of XX/XX/XXXX, Today, I received a letter dispute result in the mail form Transunion dated XX/XX/XXXX report # XXXX. They did not investigate my dispute they just resend me the same report the very day I dispute the items. 
Transunion violating my rights 603. Definitions ; rules of construction [ 15 U.S.C. 1681b ] Exclusions. ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; It also defines what a credit card is " ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. '' My Nine digit Social Security card number that was used to extend credit in the above mentioned account is prohibited by law to publish on any credit reporting agency.

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 2021-10-25 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: NV

Complaint narrative:
I recently have been getting alot of calls from debt collectors. So, I went online to check my credit. I have several accounts that I did not authorize or approve of. There was also a different social security number, names, addresses, phone numbers, and employment information that I have no knowledge of. Some of my personal information was stolen years ago. I didn't think anything of it till recently. I filed a police report and I've been disputing with all three bureaus. They have yet to do anything about the fraudulent information. I will attach the police report, identity report, and proof of identity. Im listing the account that has not been resolved. 

XXXX XXXX XXXX XXXX account number : XXXX {$2000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Performant Financial Corporation
State: CA

Complaint narrative:
Per California Consumer Protection Act documents, I received from Velocity Investments it appears Premiere Credit of North America ( PCNA ) has a error with their files. This is an attempt to correct YOUR records, any information obtained will be used for that purpose. 

Per CCPA document, it reads the following - - XXXX XXXX XXXX XXXX - Premier Credit XXXX XXXX XXXX Please do the following - - VALIDATE the Debt - Proof that this 'debt ' is under the statute of limitations - Do not call me directly or by third party - All communication must be in writing via CFPB.gov

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 2021-10-25 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Lost or stolen check — 
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I had transferred a car loan from one lender to another in XX/XX/XXXX from Ally Financial to XXXX XXXX XXXX. In the process, I no longer needed GAP insurance and was supposed to get a refund. My mail was broken into on XX/XX/XXXX and the check was stolen. This was in the middle of a natural disaster in Texas and did not become aware that the check until XX/XX/XXXX. I contacted the lender, Ally Financial, who first accused me of assisting someone to cash the check and refused to help me. I filed a complaint with the XXXX  which cause Ally to reach out to me and asked me to file an affidavit with me and XXXX  XXXX XXXX who cashed the check on XX/XX/XXXX. I have been attempting to get a status of this and when I can receive my money but Ally refuses to contact me or return my calls.

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 2021-10-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC
State: GA

Complaint narrative:
I do not owe this company any debt. The service was cancelled due to unprofessionalism and destruction to my home by a XXXX XXXX contractor. I reached out to a representative about my concerns. They acknowledged and approved the cancellation of contract without any fees or charges due to their wrong doing. The company continued to charge me for service. 
XXXX {$530.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Lien Enforcement Inc
State: CA

Complaint narrative:
Yes I've been getting letters from lien forcement that I've own an amount of {$3400.00} dollars and they are adding interest rates everyday witch they are not telling me the APR. I really don't got any contract with this company and also last two weeks I've received a call from them I don't know how they got my number. I ask them to send me proof of the vehicle that was sold they said the vehicle was sold for {$1000.00} and as today I call them to stop sending letters and dispute this charge they refused to dispute it and now they said the car was sold for {$600.00} I ask them to send me the bill of sale and the hang up on 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 2021-10-25 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: AL

Complaint narrative:
Recently I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. I sent letters on XX/XX/XXXX XX/XX/XXXX and today XX/XX/XXXX and sill have these incorrect items. Under 15 U.S. Code 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. This letter is to formally advise you that I believe your company has violated several of my consumer rights. Specifically, you failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus : another FCRA violation, and you did not notate this debt was in dispute. Not only have you ignored my prior requests for validation of debt, but you continue to report this debt to the credit bureaus causing damage to my character. I know by law these must be deleted and I am owed {$1000.00} per violation. As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense. 

Transunion & XXXX XXXX Last verified, date of last activity, date opened, closed date are all reporting incorrectly. I also know that XXXX uses deceptive practices and I feel as if this is one of those cases. 

XXXX Is reporting a debt that I have no way of knowing what it is because they do not show a creditor. This must be deleted, how is this affecting my credit but I have no way of knowing who its from!!!!

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 2021-10-25 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: ENCORE CAPITAL GROUP INC.
State: NV

Complaint narrative:
Currently I have been reporting fraud on my XXXX XXXX account. I keep being charged by Midland Credit Management on Behalf Of XXXX XXXX, XXXX & XXXX. I have never opened any type of account with either Company, I did report this many times to XXXX And XXXX XXXX Many... Many Times but they keep putting this back on and deleting stuff that I actually owe They recently took XXXX off my Account When I actually do own that account I personally walked in and opened that XXXX account to start my Credit when I was younger I only stayed XXXX because I was letting you guys know I had existing accounts that were actually mine with debt and I wasnt complaining about it I dont know who is responsible but they took that the wrong way I Need XXXX Back On My Account Im only reporting fraud On The accounts Midland Credit Management keep bothering me about ( XXXX & XXXX ) which are accounts that were open fraudulently My car was stollen from the front of my house on XXXX XXXX XXXX XXXX XXXX XXXX XXXX I just found out these accounts were open around XXXX and they have a address in the same city of XXXX on The account that isnt mine I received this info by an employee due to a call I had made to the Midland Credit Management to complain ... I also just received the police report of my car being stolen from the front of my house!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 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: Portfolio Recovery Associates, LLC
State: KY

Complaint narrative:
Portfolio Recovery Associates keeps calling me on local numbers after I have told them 2 times to stop calling me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SCA Collections, Inc.
State: NC

Complaint narrative:
Good Afternoon, I wanted to reach out to inform you that I have sent numerous letters in attempt to clear my name and to dispute debt that is not owed in my regards, I have not received any response from the collection agency. I have reached out to all 3 credit bureaus as well and they just stated its under review. I have sent letters out since XX/XX/2021 and its now XX/XX/2021. Giving we are approaching XXXX soon. I am writing to you to see if you can help me clear this debt that they have no proof of. I have asked for them to show proof of bearing my signature, the third party they received my information from, and to provide me with the address and name who provided them with this info.

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 2021-10-25 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XX/XX/XXXX Inquiry : XX/XX/2021 XX/XX/XXXX Inquiry : XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 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:
My name is XXXX XXXX, and I am not an unauthorized third-party credit repair company. I am the actual person filing this complaint. XXXX is reporting multiple late payments on both of my accounts. I was on numerous COVID-19 hardship plans with XXXX. Once the CARES hardship programs ended, my ACH auto-draft was canceled by XXXX without my knowledge. XXXX told me that due to the CARES Act, no late payments or negative ratings would be reported to the credit bureaus. I also sent an email to XXXX 's CEO XXXX. Also, my account records show payments made for every month they are reporting late payments. I have sent numerous letters to Equifax, XXXX, and XXXX, disputing my credit report 's inaccurate late payments and inquiries. And I am asking for the late payments to be updated to never late. Each bureau is reporting different months of late payments for months that I was never late. My Letters dated XX/XX/2021 asked for verification and a reinvestigation, and over 60 days later, I have not received any response or correction from Equifax, XXXX, or XXXX. I want these late payments and inquires removed because Equifax, XXXX, and XXXX have failed to respond to my request in my XX/XX/2021 dispute letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I, XXXX XXXX XXXX, fully authorize this investigation. I never gave consent to TransUnion and XXXX to furnish anything. Attached below is my FTC identity theft 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
Consumer complaint received 2021-10-25 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: AL

Complaint narrative:
I sent letters to XXXX, XXXX and Experian in XX/XX/2021 and I did not receive any written responses to my dispute letters. So, I resent the letters in XX/XX/2021 for no response to my initial letters. Still NO RESPONSE. I sent another batch of letters in XX/XX/2021. And again, NO RESPONSE. At this point I'm frustrated and disappointed that they have failed to conduct a proper investigation concerning the inaccuracies on my credit report. I've given them more than enough time to investigate and respond.

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 2021-10-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
I was notified by XXXX that my application was received on or by XX/XX/XXXX for XXXX  YET still i get calls from XXXX with no messages just calls. don't think there really suppose to be calling me until the process is completed. ALSO after i complained XXXX XXXX about the clarity of record keeping or lack there of XXXX wastes time yet again by sending REDUNDANT INFORMATION i wanted the records showing when they received my documents to facilitate how do they come to the conclusion on what is timely permissible or not. I certain this fortune company is going to claim that they dont have the capability to take me out the dialer like why would one comply with FCC???? they assigned another minion who thought im so impressionable by changing the name of the messenger i wouldn't know its the same stall tactic they always use deny conflate ignore run out the clock force bogus modifications short sale you or foreclosure. why wont you show when you received my documents? Any XXXX XXXX or XXXX can produce elements as representations but since you're vetted by the government and its not a class action issue or gross blatant forced circumstance then oh well BUSINESS AS USUAL

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Guild Holdings Company
State: TX

Complaint narrative:
My house was damaged from the Texas Freeze and a claim was filed with XXXX back in XXXX. A check for rebuild was mailed to Guild Mortgage to be signed so that money could be released to begin the rebuild. Guild Mortgage disputed the percentage of work completed to date and would not release additional funds. The case was sent to XXXX XXXX ( VP of XXXX ). XXXX contacted me and said that there was a misunderstanding by her people and that she would get with them to make sure they understood how money should be released. She also spoke with the owner of XXXX XXXX and he sent her the draw schedule via email and cc 'd me on the email communication. XXXX XXXX ( VP of XXXX ) has not replied to the draw schedule email nor have we been successful in reaching anyone by phone or email. I have been paying for a house that I am unable to live in for eight months. They have yet to move forward with the rebuild since not receiving a response from Guild Mortgage. We are just going around in circles.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XX/XX/XXXX : received letter saying autopay was canceled. Called CapitalOne and found account had been closed due to inactivity. They claimed they had notified me of their intent to close the account due to inactivity in XXXX, but I did not receive this message. They refused to reopen account or provide any way to use the XXXX points that had I had earned. Card expiration is not unitl XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: TX

Complaint narrative:
I fell behind over 4 years ago after my monthly mortgage payments increased, while my income remained the same. I did not qualify for a loan modification due to my income and I struggled to try to catch up for years. For the past two months I have been committed to trying to take care of this delinquency once and for all and I applied for a short sale. After years of receiving loss mitigation applications from my mortgage lender, I finally decided to buckle down and send in the documents that they required so that I could get some help and now they are refusing to help me. After all this time that I've been past due and I finally decide to make a true effort to rectify the delinquency and they do not want to stop the foreclosure. I have retained a real estate agent, I have a willing and able buyer that wants to make an offer, I have submitted all of my financial information just to be told that my request is denied " due to the proximity of the foreclosure auction '' when I sent in documents weeks ago. They had enough time to review and deny me yet not enough time to review to help me? It doesn't seem fair, but I do not know which way to turn at this point because I am trying to do this the right way and avoid just letting the home foreclose. I can't afford that on my credit at a time like this. I need someone to assist me with getting in contact with management at the mortgage company, I need to speak with a real person that actually wants to help me. Not just a representative reading a script.

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 2021-10-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: WA

Complaint narrative:
They sent us a letter offering a forbearance because of Covid. We took a three month forbearance. Ever since the first month, we are receiving notices of late payment, and harassing phone calls about late payments. I have received a call from them every day this week. I have called to speak with them and they assured me that the account is in forbearance. They didnt know why we were getting the letters but said they were probably automatic. They could not verify that they are not reporting negatively to the credit agencies. In addition to the attachment below, we have received two other late notices. Ive had to call to get them to remove late charges assessed.

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