vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: Pingora Holdings, LP
State: NJ

Complaint narrative:
Pingora Loan Servicing , LLC leaked my highly confidential PII including my SSN, name and address. It did not have proper security in place and as a result my data was breached. This can have a lifelong affect on my credit. They are offering a XXXX  year credit monitoring service as a make-good on their irresponsibility that can affect the rest of my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 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: NY

Complaint narrative:
On XX/XX/2022 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 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 — Problem with personal statement of dispute
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
I was in the middle of a modification when Shellpoint/Newrez decided to report my account as delinquent. It damaged my credit. I was under a forbearance plan and before I was about to end I contacted and we started the process for a new loan/modification, etc. I tried to pay to avoid the negative reporting but the payment was rejected because the paperwork was not finalized. The reason why I was in a forbearance plan was because I was affected by XXXX and I was having difficulty making eh payments. They new my credit was going to get affected by the reporting and I don't understand why would they want to hurt people this way knowing that I was working with them modifying the loan.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 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: VA

Complaint narrative:
XXXX XXXX XXXX, account number : 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 response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 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: VA

Complaint narrative:
XXXX XXXX XXXX, account number : 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 explanation
Consumer complaint received 2022-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I called Experian on XXXX XXXX to have my consumer file mailed to me. I could not get a rep on the phone to have the consumer file mailed to me nor was there an option to choose consumer file on the automated system. 15 USC 1681g states that every consumer reporting agency shall, upon request, clearly and accurately disclose to the consumer all information in the consumers file at the time of 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 non-monetary relief
Consumer complaint received 2022-04-18 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX Account ( XXXX XXXX  XXXX | 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 2022-04-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: CA

Complaint narrative:
The borrower on the mortgage passed away. He was my stepfather and he had a trust that named my mother as his successor. However, before she could trust the property to me, she passed away. The property went to the next in line. He trusted the property to me. My husband and I are on the title through the county of XXXX. The mortgage company refuses to acknowledge me as the Successor in Interest. I have submitted every form they have asked for. I have submitted both trusts and they refuse to give me any information about the property. They are asking for a Trust Certificate. I even had my attorney on the line with them to find out exactly what they need. I asked why they need a Trust Certificate when I have already submitted both trusts. They never have an answer. They have promised me over 10 times that a Specialist will call me back because they dont know. I have never received a call back. They absolutely refuse to give me any information about the mortgage. It is now in active foreclosure. I want to get it caught up, but they wont tell me how much I need to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EMCC Holdings, LLC
State: OK

Complaint narrative:
This account is not authorized and is therefore fraudulent. I only agreed to in house financing and not third party loans. They sold my information to another company that opened an account under my name without my consent. My personal information has been breached. It is not authorized and I have never given permission for it to open and charged. Please remove this account from my credit report, all of the inquiries, and block them from placing these unauthorized account on my credit. I am a victim of fraud and theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I called Experian to get a copy of my consumer file on XX/XX/2022 also on XX/XX/2022 on both occasions I was hung up on per the automated system. Each time I asked for a representative or specialist to assist me.

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 2022-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc
State: SC

Complaint narrative:
An unauthorized account was created with PayPal using my email address and another email address of an unknown party. I am unaware of when the account was created but I was contacted XX/XX/XXXX by letter from a collection agency who purchased the account from PayPal. The account has a {$310.00} negative balance. I do not now nor have I ever ( to my knowledge ) had a PayPal account. 

PayPal has denied my claim of fraud/identity theft stating ( according to the collection agency ) that in XXXX I provided them with proof of identity which I did not. This was in the form of a copy of my passport which I have never shared with anyone except customs agents at airports. Copies of what was used to " prove my identity '' in XXXX were not provided to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-18 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 — Investigation took more than 30 days
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
I have filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
I got my taxes deposited into my Venmo account and I tried to withdrawal some money and they said it was a security breech and locked my card to where I couldnt access that money. I then tried to transfer it to my other bank and they said it was another security breech after the money was taken off my account. They then deactivated my account. I called them and emailed them several times and they said they couldnt help me with it. They money is missing and I have no access to it. There was {$4000.00} left.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-18 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: NY

Complaint narrative:
On XX/XX/2022 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect

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 2022-04-18 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 — Investigation took more than 30 days
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
I have filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.

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 2022-04-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Exeter Finance, LLC.
State: CA

Complaint narrative:
My issue is with Exeter Finance of XXXX XXXX 

In my conversation with the company on XX/XX/2022 I was told there was an overall balance on the account of {$3100.00}. I told them that on my computer screen it said payment due of {$810.00}, which is the payments I have made throughout the history of this loan and would be be ok if I made that exact payment prior to XX/XX/2022 so that it would not be marked late on the XXXX credit reporting agencies. Exeter 's agent told me that it would be fine. On XX/XX/2022 I made the payment of {$810.00}. Within a week the credit reporting agencies listed the account as 30 days past due ( the first negative mark on this account for the 6+ years I have been paying off this account ). I called Exeter to complain about it but they did nothing about it. I then made a decision to pay off the balance of the account for the amount of {$2300.00}, which was paid on XX/XX/2022. To my absolute terror not the credit reporting agencies are listing the account as 60 days past due, which is impossible as the account is closed and I have paid in full the loan. I request that Exeter eliminate that 30 day late mark as the account was paid as what was agreed to and to eliminate the 60 day late mark as that is impossible as the account was paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 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: Credit Management Control, Inc.
State: IL

Complaint narrative:
In XXXX someone with the same name opened utility account and their account went to collections. They reached out to me and I was threatened into paying off the debt at the risk of ruining my perfect credit. They did not inform me of my right to dispute the account and forced me to give them my credit card information. I paid off the debt on XX/XX/XXXX. Earlier this year I was made aware of my right to challenge the validity of any debt so I sent this company a certified letter on XX/XX/XXXX, they received this letter on XX/XX/XXXX. 

The letter sent to them was a request they validate this debt. They sent me back a contract with absolutely no information belonging to me except the name that states " XXXX XXXX ( XXXX XXXX ) '', I have no knowledge of a XXXX XXXX in my family, sibling or relative. I have never lived at the address on the report they provided me, the phone number on the report has never been a number of mine, every signature on the report they provided me is not of my name, in fact the signature on the report belongs to a XXXX XXXX. They have failed to validate this debt and need to delete it from my reports. 

The only information they have that ties me to this account is my credit card information they got from me at the time of the collection to pay off this debt. I used my own money to pay for someone else 's debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 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: TX

Complaint narrative:
I sent letters to XXXX, XXXX and TransUnion on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 40 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

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 2022-04-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NETWORK CAPITAL FUNDING CORP
State: FL

Complaint narrative:
XX/XX/2022 I told Network Capitol I didn't want or need a new mortage. However, a week later I received loan documents in the mail. I don't appreciate them proceeding with try to for e me into a loan I didn't want. This is very sneaky and underhanded process and should be stopped immediately Thanks

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 2022-04-18 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: IL

Complaint narrative:
In XX/XX/XXXX, I disputed accounts on my credit report that were inaccurately listed with only XXXX and Experian. This has caused undue stress in trying to remove or validate this inaccurate information. This information appears from XXXX and keeps reappearing with different payment dates, payment amounts and even as a duplicate. 

In accordance with the fair credit reporting XXXX XXXX account # XXXX and XXXX XXXX account # XXXX are violating my my rights, which state that negative and outdated information can not reappear after it is found to be fraudulent and/or not validated. 

15 USC 1681 section 602-A states that I have the right to privacy.

15 USC 1681 section 604-A section 2 states that consumer reporting agencies can not furnish an account without my written instruction or consent. 

I did not provide a wet signature or permission for these accounts to be reported nor should they be reported form XXXX. XXXX  consumer law prohibits reporting after 5 years. 

I demand that these accounts be removed from my credit reporting file.

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 2022-04-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
From XXXX J.P-Morgan : Your account-access has been limited due to fraudulent activities. Please visit XXXX XXXX XXXX to unlock your account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX  Account ( XXXX  XXXX XXXX | 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 2022-04-18 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX Account ( XXXX XXXXXXXX XXXX | 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 response to consumer: Closed with explanation