vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-06 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: Santander Consumer USA Holdings Inc.
State: VA

Complaint narrative:
I Do Not recognize this Inquiry from this company and have not given permission for this company to have access to my credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: OneMain Finance Corporation
State: SC

Complaint narrative:
I have sent out a letter to ONEMAIN FINANCIAL concerning my credit report. Due to suspicious activity on my credit report. I simply asked ONEMAIN FINANCIAL to validate and verify the information with that they have on file concerning collections accounts and Hard inquiries that they are reporting on my credit report. They have failed to send me anything that validates or verifies what they are reporting. With failure to do so, this matter doesn't just affect me it effects my family too. I am unable to apply and get approved for a home, a vehicle for transportation, and getting a good job. I would like to be rectified of this matter immediately. I have been trying to get this matter under controlled but got nowhere after 30 days and then a second letter sent another 20 days so 50 days of waiting on a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: TN

Complaint narrative:
Well Im banking with chime banking and on the XXXX of XXXX I woke up to a closed account I called chime headquarters and the number on back of my card they could not tell me why they closed my account they literally stolen my money and now me and my kids have nothing and I dont no what to do I tried calling them they just puts me on hold and hangs up some one please help my number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 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: VA

Complaint narrative:
Hello my name is XXXX XXXX and writing in for the second time. I would like all of my unauthorized Inquiries, my derogatory remarks, late payments, public records, closed accounts, and student loan accounts removed. Many of these accounts fall under the statute of limitations or are misreporting on my credit report. 

Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA ) Account Name : XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$5700.00} Account Name : XXXX XXXX XXXX  Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$260.00}

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 explanation
Consumer complaint received 2021-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Hello my name is XXXX XXXX and writing in for the second time. I would like all of my unauthorized Inquiries, my derogatory remarks, late payments, public records, closed accounts, and student loan accounts removed. Many of these accounts fall under the statute of limitations or are misreporting on my credit report. 

Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law XXXX, title XXXX, XXXX Stat. XXXX XXXX XXXX ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA XXXX Account Name : XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$5700.00} Account Name : XXXX XXXX XXXX  Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$260.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
On each billing statement from PayPal Credit, the post-due date grace period - when there is no late fee - is not clearly stated. Nor, is the exact amount of a late-fee for a payment made after the post-due date grace period clearly stated on the billing statement. I believe the presentation of the information regarding post-due date grace period and late fee amount is intentionally deceptive in order to increase the percentage of on-time payments from their customers. And, I believe this is something that violates our regulatory laws for credit providers.

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 2021-07-06 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: FC HoldCo LLC
State: VA

Complaint narrative:
I Do Not recognize this Inquiry from this company and have not given permission for this company to have access to 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
Consumer complaint received 2021-07-06 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: MS

Complaint narrative:
mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX ... XXXX  XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 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: FL

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 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: MS

Complaint narrative:
mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX ... XXXX  XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

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 2021-07-06 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX ... XXXX  XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

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 2021-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Equifax is reporting unauthorized inquiry to my credit report dated XXXX card service XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that i didn't do. According to the fair credit reporting act any unverified or inaccurate most be deleted. also according to the fair credit reporting act they have 30 days to respond so by law these unauthorized must be deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 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: GA

Complaint narrative:
I have disputed the inaccurate reportings with TransUnion, XXXX, and XXXX several times to no avail. The following names are incorrect and do not belong to me, XXXX XXXX, XXXX XXXX. The following addresses are incorrect and do not belong to me, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. The following accounts do not belong to me and should be removed from my credit file, XXXX XXXX XXXX Account Number : XXXX TransUnion and XXXX are not reporting this account, XXXX is reporting an opened date of XX/XX/XXXX with a balance of {$67.00}, XXXX XXXX XXXX Account Number : XXXX TransUnion is reporting an opened date of XX/XX/XXXX with a balance of {$1800.00}, XXXX and XXXX are reporting an opened date of XX/XX/XXXX with a balance of {$1800.00}, XXXX XXXX ( XXXX ) Account Number : XXXX XXXX and XXXX are not reporting this account, TransUnion is reporting a opened date of XX/XX/XXXX with a balance of {$230.00}, XXXX XXXX  ( XXXX XXXX Account Number : XXXX TransUnion is not reporting this account, XXXX and XXXX are reporting an opened date of XX/XX/XXXX with a balance of {$490.00}, ORIGINAL CREDITOR Account Number : XXXX TransUnion and XXXX are not reporting this account, XXXX is reporting an opened date of XX/XX/XXXX with a balance of {$150.00}. I have reached out to the credit bureaus to help me in getting this matter resolved. Is TransUnion, XXXX and XXXX considered to be furnishers? These accounts either do not belong to me or were not paid late and TransUnion, XXXX and XXXX have failed to plead their case to who has provided them with this false information and/or provide proof with signatures of these inaccurate accounts reporting on my credit file. Please help me to get 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 2021-07-06 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: Lendmark Financial Services
State: VA

Complaint narrative:
I Do Not recognize this Inquiry from this company and have not given permission for this company to have access to my credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 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: CORELOGIC INC
State: VA

Complaint narrative:
I Do Not recognize this Inquiry from this company and have not given permission for this company to have access to 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
Consumer complaint received 2021-07-06 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Dear Sir or Madame! 
Please be advised that I was a victim of Identity Theft. Upon learning of this incident sometime in Spring XXXX I immediately filed a notified all credit reporting companies regarding this incident. 
Upon collecting all relevant information pertaining to this incident I had filed a Police report with XXXX in XXXX, XXXX. 
All Credit Reporting Companies were notified in regards. 
I had submitted any and all documents pertaining to Identity Theft to all partied involved and requested to remove all negative information contained therein ... 
Credit reporting companies refused to act and cause irreversible financial harm since I was unable to use my credit in order to obtain mortgage, car loan & /or credit card ... as well as favorable rates ... 
I respectfully request your assistance in order to force credit reporting agencies to acknowledge that identity theft incident occurred and remove any and all negative information from my credit report. 
Respectfully, 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 2021-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
Wrote a letter 2 mths ago no response and is still showing on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 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: ACIMA CREDIT, LLC
State: MS

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX ACIMA  CREDIT  XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX ... XXXX  XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I have set up payment arrangements and cleared up my account and am working on the other debt I owe. They call me every day morning weekends ever since I set up payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: KY

Complaint narrative:
I have been paying my students loan on a regular basic or monthly before the Covid 19 pandemic and before the government moratorium on student loans. I was told that if I paid my student loans for ten years i would be finish paying my student loans. I have not missed a payment that I can recall ( {$270.00} ). 

I have been XXXX school for XXXX XXXX XXXX XXXX in XXXX, Kentucky for the last 20 years. I have applied for loan forgiveness, but I have been denied several times and I have taught in low income schools and schools with high rates of poverty. I qualified for a {$5000.00} reduction in my student loan based on my XXXX experience alone. 

I am now receiving calls from Navient Student Loans, XXXX. XXXX XXXX, XXXX, Pennsylvania, XXXX stating that I am in default. I thought the federal moratorium on student loans will not end until XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 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: Absolute Recovery Services, LLC
State: MS

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... AB RCY SVS ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX ... XXXX  XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC
State: SC

Complaint narrative:
Per complaint id : XXXX Cross Country Mortgage is responsible for paying the property tax bill on my account. I contribute money to an escrow account with them for this purpose. It was discovered on XX/XX/XXXX that Cross Country Mortgage was delinquent on paying a tax bill that was due on XX/XX/XXXX. As of today, XX/XX/XXXX, they still have not paid the tax bill which is now past 90 days. I have contacted Cross Country Mortgage on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX. Despite all assurances they would pay the bill and the associated late fees, they still have not. Additionally, I sold the property on XX/XX/XXXX and closed the account. They are currently holding my escrow money ( approximately {$8500.00} ) and can not confirm whether or not they will pay the tax bill. They state again that it will be several days to process anything and can not give me a direct line of someone that can follow through. 

Update : XX/XX/XXXX I finally received the escrow money from Cross Country Mortgage and paid the taxes. However, I was promised reimbursement for the fines and my requests are being ignored. I followed up with the necessary evidence per the letter I received. The letter stated " submit proof of payment to our offices to request the reimbursement of any penalty fees paid. '' I submitted the proof of payment on XX/XX/XXXX and a detailed e-mail. I received no response from XXXX Mortgage. I called them today ( XX/XX/XXXX ) and they are now stating they need a signed letter from myself requesting the funds. This was never stated in any written or verbal communications with them. This is now delaying the process even further. I have submitted the signed letter today, but am told it will take at least another 15 days to resolve. This is on top of the 13 days I have already waited after submitting what was originally requested as the necessary documentation. 

I am opening another complaint in hopes that CFPB can help to resolve this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation