vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-16 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: FL

Complaint narrative:
On XXXX XX/XX/XXXX I sent a certified letter to the creditor per Experian credit bureaus response. The response was that the creditor has certified to Experian that the information is accurate. I sent a letter to validate this account by providing documents with my signature. The creditor failed to do so. I then requested Experian credit bureau to furnish me a copy of the documents the creditor used to certified this account, again now Experian failed to do so. 
On XX/XX/XXXX I filed a dispute to EXPERIAN and XXXX credit bureaus disputing these accounts this also was mailed off by US certified mailed. Again there respond was that the account had been certified by the creditor, I requested the documents that they used to certify these accounts and again they failed to provide me with any documentation that proves this account is 100 % accurate. FCRA section 611 ( a ) plainly states that failure to investigate these items within 30 days gives reason to immediately remove these items from my credit report these items should be deleted. Experian ACCOUNT NO. XXXX AND ACCOUNT XXXX ALONG WITH XXXX ACCOUNT XXXX On XX/XX/XXXX I again reached out to the creditor XXXX XXXX XXXX XXXX per the credit bureaus request asking them to delete these inaccurate accounts. I received a response on XX/XX/XXXX stating that they don't have enough information to process my dispute. Which is ironic because my disputes have all the information that they reported to the credit bureaus and the credit bureaus reported on my credit report that I am disputing as inaccurate. I am enclosing a letter where the creditor XXXX XXXX  reports that the balance on the account is XXXX but the credit bureau Experian and XXXX report XXXX and XXXX they are reporting totally different information which is a violation and the accounts must be deleted per the FAIR CREDIT REPORTING ACT AND THE FAIR DEBT COLLECTION ACT.

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 2022-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: MO

Complaint narrative:
I was staying in an extended stay hotel in XXXX XXXX  called the XXXX XXXX  On XX/XX/XXXX I went to the office to pay my rent and was told by the manager she couldn't take it because they were waiting on the health department. Then later that day I get a text from the manager of the hotel saying that we have to move and be out by noon on the fourth as they are going to remodel. So we were out on the fourth of XXXX. Then on the fifth of XXXX I check my bank balance and there were XXXX charges I didn't have any knowledge of total was {$640.00} I called my bank to find out that XXXX XXXX XXXX had charged my debit card they had on file for those charges of {$640.00} and I had no knowledge they were doing it what it was for or my approval as we was already gone. I called my bank PNC to report fraud and they were the ones that said the charges were from XXXXXXXX XXXX XXXX. I explained the deal to the customer service representative to be told it's obviously fraud and they issued my a temporary credit. Well I get a letter today XX/XX/XXXX from PNC bank saying their investigation said no error occured and they are taking out the {$640.00} out of my bank account on XX/XX/XXXX. I don't know how they can come up with that determination when I was already out of the hotel didn't owe any bank rent and didn't have no knowledge they were taking out that money or what it was for and I sure didn't give them authority to do it they did it all on their own using my debit card they had on file this is so wrong and very stressful I am on limited income and don't have the money to give to XXXX XXXX XXXX and not even knowing what it's for so wrong or having my authorization to do it talk about fraud big time and I have filed a police report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
SPS 's ( Select Portfolio Servicing XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX ) Deceitful and Fraudulent actions and Refusal to Issue Valid and Correctly Completed Form XXXX For Tax Years XXXX and XXXX : Please refer to the attached file where I have included my interactions with SPS in a chronological order, starting from Page XXXX  to try to resolve this issue. SPS has issued deliberately falsely completed IRS XXXX XXXX in boxes XXXX & XXXX, for tax years XXXX and XXXX ( Page XXXX ). Page XXXX contains IRS guidelines for completing Boxes XXXX and XXXX in Form XXXX. Under these rules, XXXX XXXX must be checked and XXXX XXXX left blank as my address as payer and borrower of mortgage is the same as the property address. Instead XXXX XXXX is blank and XXXX XXXX contains misleading information noting only city, state and zip code. This is violation of IRS guidelines for both boxes XXXX and XXXX. This is also a clear contradiction and repudiation of SPS 's arguments when they were issuing correctly filled Forms XXXX until the tax year XXXX ( Page XXXX ). 

I have tried to resolve this issue amicably by contacting SPS Customer Service and writing several letters. SPS has been acting in extreme bad faith. SPS drags out the matter by taking unnecessarily long periods of time to respond. SPS employees misrepresent, contradict each other, and provide deceitful answers. SPS answers are evasive, dishonest, not to the point. and deflective. 

SPS deceived me in XXXX by appearing to solve the problem with the XXXX Form XXXX by dishonestly including the XXXX Form XXXX in their response ( XXXX XXXX XXXX ). I became aware of this trick during my frustrating and ultimately fruitless arguments with SPS supervisor " XXXX '' on XX/XX/XXXX. XXXX asked me to check XXXX XXXX myself in my tax filings. All my conversations with SPS employees were recorded and therefore it is easy to verify my complaint. The matter has become mentally stressful and request your 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 2022-03-16 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: First Advantage LNS Inc.
State: MD

Complaint narrative:
Good afternoon, I have sent multiple letters to XXXX, XXXX, and XXXX they are not complying with my dispute request. I sent a letter on XX/XX/2022 and XX/XX/2022. I still havent received any response or debt validation. The information they are reporting is incorrect and illegal. I have found information that the creditor and I will have to take to court. This is affecting my livelihood in a negative way and needs to be removed immediately. 

In Best Regards, XXXX XXXX My direct number is ( XXXX ) XXXX and my email is XXXX. Phone Mon-Fri XXXX EST

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY
State: OH

Complaint narrative:
Hello- I've been working to confirm the instrument of indebtness in its original form to be able to confirm this debt. How is it that I owe a debt for which a contract can not be produced? 

Furthermore, I'm seeking LITIGATION '' as I have not been supplied proof per doctrine of estoppel by silence. Engelhardt V. Gravens ( mo ) 281 SW 715,719. I presume no evidence of the Alleged Debt therefore exists. This account remains on my credit file but needs to be removed at once.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XXXX XX/XX/XXXX I sent a certified letter to the creditor per XXXX credit bureaus response. The response was that the creditor has certified to XXXX that the information is accurate. I sent a letter to validate this account by providing documents with my signature. The creditor failed to do so. I then requested XXXX credit bureau to furnish me a copy of the documents the creditor used to certified this account, again now XXXX failed to do so. 
On XX/XX/XXXX I filed a dispute to XXXX and Transunion credit bureaus disputing these accounts this also was mailed off by US certified mailed. Again there respond was that the account had been certified by the creditor, I requested the documents that they used to certify these accounts and again they failed to provide me with any documentation that proves this account is 100 % accurate. FCRA section 611 ( a ) plainly states that failure to investigate these items within 30 days gives reason to immediately remove these items from my credit report these items should be deleted. XXXX  ACCOUNT NO. XXXX AND ACCOUNT XXXX ALONG WITH TRANSUNION ACCOUNT XXXX On XX/XX/XXXX I again reached out to the creditor XXXX XXXX XXXX XXXX per the credit bureaus request asking them to delete these inaccurate accounts. I received a response on XX/XX/XXXX stating that they don't have enough information to process my dispute. Which is ironic because my disputes have all the information that they reported to the credit bureaus and the credit bureaus reported on my credit report that I am disputing as inaccurate. I am enclosing a letter where the creditor XXXX XXXX  reports that the balance on the account is XXXX but the credit bureau XXXX and Transunion report XXXX and XXXX they are reporting totally different information which is a violation and the accounts must be deleted per the FAIR CREDIT REPORTING ACT AND THE FAIR DEBT COLLECTION ACT.

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 2022-03-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX IS inaccurately REPORTING AS FOLLOWS. 

XXXX XXXX acct:XXXX was paid in full and never late but is currently reporting as a delinquent Charge-off. Please remove from my credit report. 
XXXX XXXX XXXX WAS PAID IN FULL NEVER LATE AND REPORING CURRENTLY DELINQUENT. O Account status Closed Date opened XX/XX/XXXX Account type Auto Loan Balance on XX/XX/XXXX Loan Amount Child support enforcement acct : XXXX is reporting Inaccurate I have never had a delinquent acct. I do not owe XXXX XXXX XXXX. Please remove from my credit report. 
XXXX Account status Closed Date opened XX/XX/XXXX Account type Child Support Balance on XX/XX/XXXX Payment Info Status Paid, was a collection account, insurance claim or government claim or was terminated for default. 

XXXX XXXX XXXX XXXX account : XXXX Despite XXXX written requests, the unverified items listed below still remain on my credit report in violation of XXXX XXXX. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

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 2022-03-16 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: FL

Complaint narrative:
I have disputed my inquiries with Equifax, XXXX, and XXXX several times over the last year with no results. I have never authorized nor consented to inquiries from XXXX  XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX to furnish any information/inquiries on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: EASTERN BANKSHARES INC
State: MA

Complaint narrative:
I came home from work on XX/XX/2022 checked my mail and found a debit card opened in Eastern Bank that I never opened. When i called about it after checking my social security number, birthdate, driver 's license #, email address etc most of which was incorrect I was told to call the police department to report the fraud and to report it to the FTC as well as the various credit agencies. 

The account was opened online on XX/XX/2022.

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 2022-03-16 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-03-16 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Fraudulent inquiries made under my social security number that needs to be removed. 
1.XXXX XXXX dated XX/XX/XXXX 2. XXXX  XXXX XXXX dated XX/XX/XXXX 3. XXXX XXXX dated XX/XX/XXXX 4. XXXX XXXX XXXX XX/XX/XXXX 5. XXXX XX/XX/XXXX 6. XXXX XXXXXX/XX/XXXX 7. XXXX XXXX  XX/XX/XXXX 8. XXXX XXXX XXXXXX/XX/XXXX 9. 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 2022-03-16 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION
State: CA

Complaint narrative:
My private student loan came due in XXXX of XXXX. At that time I was unable to make the roughly {$300.00} payment. I chatted with Sallie Mae and asked if there were possibly any repayment options available to me ( this was before the due date ) and they had told me my only option was to go into forbearrance. I did that and that pushed the payment out until XX/XX/XXXX and interest was still compounded in that time. Once again the payment comes due in XXXX and once again there is no money in my budget to pay the now due loan payment. ( Currently in my budget it's the choice of eating or paying my student loans, to put things into perspective. ) I chat again with them and make them aware of my situation to find out that they now offer re-payment options after interest has already compounded in the forebearrance time. I was appaled to say the least, since that's the exact lawsuit XXXX is going through. They provide me contact information to submit a Hardships application, which I tried multiple times to get ahold of that department and every attempt I have been able to make, they are too busy taking other calls/chats and I have record of that as well. All in this time they are harassing my SO and I with calls and emails about making a payment. Sallie Mae needs to be sued along with XXXX as they are doing the same deceptive practices and this can not go on any longer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have disputed my inquiries with XXXX, Transunion, and XXXX several times over the last year with no results. I have never authorized nor consented to inquiries from XXXX  XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX to furnish any information/inquiries on my consumer 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 non-monetary relief
Consumer complaint received 2022-03-16 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have disputed my inquiries with XXXX, XXXX, and Experian several times over the last year with no results. I have never authorized nor consented to inquiries from XXXX  XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX to furnish any information/inquiries on my consumer 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 non-monetary relief
Consumer complaint received 2022-03-16 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: TN

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX, I certified mailed Experian a packet of information that included an identity theft report, copies of SSN, driver 's license, proof of address ( for identification purposes ), and a cover letter stating that there were 2 fraudulent accounts, Discover ending in XXXX and XXXX XXXX  ending in XXXX, inaccurately reporting on personal credit report and I demanded them get removed. At first they complied and removed both fradulent accounts but last month, in XXXX, Experian said they did investigations and supposdely " verified '' that those fradulent accounts were mine, even though I was never contacted by them to ever provide any sort of " verification. '' It looks like Experian had reached out to XXXX and XXXX who they say is the furnisher of each of the accounts and used them to determine " verification ''. But according to the FCRA, only I can verify that type of information. Since they reinserted the accounts of this and now both fradulent accoutns are still reporting on my personal credit report which is continuing to cause harm to my reputation, stress and disruption in my life, and blocking me from bettering my life further, I certified mailed Experian an affidavit of truth one for each account with all exhibits mailed to them up to that point and explained how they illegally reinserted the 2 fradulent accounts back onto my personal credit report. These were mailed on XX/XX/XXXX. They havent even sent me a response or complied and they received both on XX/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 2022-03-16 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: OneMain Finance Corporation
State: WA

Complaint narrative:
ONEMAIN is reporting incorrect information to my credit report. I have automatic payment setup on this account and they are showing I was late on XX/XX/2021. 
-Date of last payment is incorrect on all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
XXXX XXXX and Nordstrom are reporting fraudulent accounts on my credit. These are NOT my accounts. I didn't open them, nor did I authorize anyone else to do so on my behalf. I am requesting that they are removed from my credit. Please note attached- I have filed a Federal Trade Commission report and my Driver License

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IL

Complaint narrative:
Carrington Mortgage Service LLC, XXXX XXXX XXXX, XXXX, Texas XXXX, ( XXXX ) XXXX will not give information to release lien on va loan so that I can sell the property. Customer service will not give phone that is needed to contact lien hold department.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: OH

Complaint narrative:
Hello- I've been working to confirm the instrument of indebtness in its original form to be able to confirm this debt. How is it that I owe a debt for which a contract can not be produced? Furthermore, I'm seeking LITIGATION '' as I have not been supplied proof per doctrine of estoppel by silence. XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I presume no evidence of the Alleged Debt therefore exists. This account remains on my credit file but needs to be removed at once.

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