vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-21 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: LAKEVIEW LOAN SERVICING, LLC
State: PA

Complaint narrative:
On or around XXXX XXXX, i contacted my mortgage company and followed their phone prompts regarding their COVID relief forbearance process. The phone message said their would be no negative credit reporting during forbearance if it was approved. after i few days, i heard nothing from the company until I received a call from a mortgage broker who was helping me conduct a refi for a different home i own. he said the credit report stated the loan was in forbearance and indicated this was a problem and would not be able to do the refi. Under the COVID forbearance/CARES act, there should be no negative reporting, but this mortgage company reports " forbearance '', which is negative in its impact to my ability to get another loan or other favorable credit decisions like passing a credit check for an apartment lease. I asked the company to stop reporting this as forbearance and they said they would not. I said this is stopping me from moving into a new home and refinancing my rental home. the reporting is going against the stipulations and the spirt of the CARES act. I may need to dispute the entire account on XXXX  or end my forbearance with the mortgage  company because it is causing more damage than it is helping.

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 2020-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX  and Transunion are incorrectly reporting an account where I am shown as an Authorized User on XXXX  - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. XXXX  has removed this line item from my credit report. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this issue however, I have not been successful.

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 2020-04-21 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: WI

Complaint narrative:
There are ( 2 ) hard inquiries on my credit report that showed a personal loan was applied for with XXXX XXXX on XX/XX/2018. I did not apply for a personal loan with this company. I was XXXX  at the time that this application was made and I was not released until XXXX XXXX. I did not have access to the internet while 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 2020-04-21 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: WI

Complaint narrative:
There are ( 2 ) hard inquiries on my credit report that showed a personal loan was applied for with XXXX XXXX on XX/XX/2018. I did not apply for a personal loan with this company. I was XXXX  at the time that this application was made and I was not released until XXXX XXXX. I did not have access to the internet while 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 non-monetary relief
Consumer complaint received 2020-04-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
First wrote and filed a dispute to LVNV FUNDING LLC dating back on or around XX/XX/XXXX ; again on or around XX/XX/XXXX ; and recently on or around XX/XX/XXXX via USPS certified mail ( see attachment ) in regards to incorrect items in my credit report. Its not only been over 30 days but over 120 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
CFPB is not providing any document bearing my signature, where Capital One proves with documents, that there was any individual responsibility from me ( which was never signed at all ). I do not agree CFPB closing the complaint without investigating properly, and asking for legal evidence for complaint XXXX-XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: AZ

Complaint narrative:
I refinanced my home in XX/XX/2020 and my new lender through a title company paid the previous lender ( Flagstar Bank ) in full on XX/XX/2020 via the " payoff '' amount that was provided by Flagstar. However, Flagstar has refused to payoff the mortgage citing they need to inspect my home before they will accept the payoff. They are no reporting me late to the credit bureaus and threatening me with foreclosure. They have given me documentation that shows they have my {$400000.00} payoff and they admit they received the funds via federal wire on XX/XX/2020 but they refuse to payoff the loan. 
Now according to the county recorder I have 2 mortgages because they won't process the payment and my credit scores are destroyed tumbling over 100 points, this is threatening my ability to borrow, my application for student loans have been rejected for my children and it could affect my employment.

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 2020-04-21 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: FL

Complaint narrative:
I have been trying since XXXX to remove dispute comments from my credit report with equifax. I still have 2 accounts with dispute coments

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Duncan Solutions, lnc.
State: CA

Complaint narrative:
I've received a debt collection notice XX/XX/XXXX ( dated XX/XX/XXXX ). I've tried to reach out to the company several times ( XX/XX/XXXX-XX/XX/XXXX ) to inform them that I'm disputing these charges as there was likely an issue with the hardware ( it's toll related and I got a new car ). The company is Professional Account Management , LLC. My Account # XXXX. I've tried to contact them several times and there is only a phone prompt to walk through. As I walk through the prompt, they ask the account number, and then the zip code on the statement. I've inputted the zip code on the statement several times, but it tells me it's invalid. I've tried to figure out how to speak with a representative but it's been impossible. There is no option for me to contact an operator. I've tried to find people on XXXX. I've tried to reach the parent company. Professional Account Management , LLC claims they have a " contact us '' page, which they don't. I've been very disappointed with the lack of transparency to this process as it will impact my credit score. Additionally, I can't contact the toll company to resolve this as they direct me to this company. 

Notice is from : Professional Account Management , LLC ( XXXX ) XXXX Account # XXXX Violation : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
( 103 True identity theft ) Equifax Confirmation Number : XXXX Company Name : XXXX XXXX XXXX Account # XXXX Company Name : XXXX XXXX XXXX Account # : XXXX I am a member of the Equifax data breach and have filed my claims accordingly. I have been attempting to clear my credit report of these fraudulent items as far back as XX/XX/2017 and have been unsuccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
Since the shelter in place was ordered in Illinois, portfolio recovery XXXX has called my phone 3x A DAY. I shamed one operator for telling me I should borrow money from my mom, who is elderly and especially during a pandemic. I realize this is a debit to be collected on. However, the next phone call was 2 hours later. I told the next operator the same thing. I told her not to call my phone until AFTER everyone could return to work, that my husband is an essential worker and she is not going to get to speak with him. Now that call my phone just about every 3 hours. How to I know its them? After I hit the ignore button I call the number back. When I ask whose calling they either hang up or say theyll call back later. And they do. They clone XXXX numbers and then later call back on a spam line. I told an operator TODAY ( XX/XX/21 ) that their office has been sent a cease and desist. That someone should check their mail. Theyve told me well if you dont pay your bill your going to jail, and you have kids you dont want to be arrested in front of them do you? This is XXXX  XXXX, I paid on that bill for 18 months before they called me and said I was in breach of payment which we never were ( I have the bank statements ) .yes a debit is owed, but this is harassment. During pandemic its illegal. We were in the process of hiring a lawyer to sue portfolio recovery before covid19. Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I AM VICTIM OF AN IDENTITY THEFT, WHICH MEANS THE INFORMATION ON MY CREDIT REPORT DOES NOT BELONG TO ME. I HAVE REACHED OUT TO TRANS UNION NUMEROUS TIMES TO HAVE THE FRAUDULENT ACCOUNT REMOVED FROM MY CREDIT REPORT. THE XXXX  ACCOUNT IS FRAUDULENT AND NOT MINE.

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 2020-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I opened a Citi checking and savings account on XX/XX/2019, using the promotion hat is currently acive here : https : //banking.citi.com/cbol/checking-tiered-offer/default.htm I applied for the {$400.00} bonus for depositing {$15000.00} or more, plus a now-inactive bonus for an extra {$100.00} for making two deposits. I deposited a total of {$1000.00} into the checking account on XX/XX/2019 and {$15000.00} on XX/XX/2019, and moved {$15000.00} to the savings account on XX/XX/2019. I waited the 60 day period for maintaining the balance. Then I waited the 90-day period for the amount to be credited. When this amount was not credited after the 90-day period, I called several times to ask for an explanation. 

On one occasion, I was told that I had fulfilled the requirements and that the full amount of {$500.00} would be showing up in my account within the next week ( roughly around the first week of XXXX ). I called again in the third week of XXXX and was told that I needed to verify the code for this promotion, which I never received and they had no way of telling me how to find. I provided the link to the currently active promotion but was told that would not work.

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 2020-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
CFPB is not providing any document bearing my signature, where XXXX XXXX proves with documents, that there was any individual responsibility from me ( which was never signed at all ). I do not agree CFPB closing the complaint without investigating properly, and asking for legal evidence for complaint XXXX-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 non-monetary relief
Consumer complaint received 2020-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RFNA, LP
State: TX

Complaint narrative:
Inaccurate and defamatory information is being reported on my credit report. I have made several attempts to contact this company regarding the derogatory information being reported to my credit bureaus. My first Debt Validation letter was signed and received by them on XX/XX/2020. I received no response. I later sent a Non Response letter advising them to delete this negative information from my credit reports as they have not provided any validity that this debt belongs to me nor exists. This is a clear character violation and lack of validation. I have given 30 days to respond regarding my dispute with no proof in sight. How is it possible for them to continue reporting clearly Unverified, Invalidated, and Inaccurate information to my credit report? I am requesting this company to immediately remove this erroneous invalidated information from the three major credit bureaus : XXXX, XXXX, and XXXX. I am also requesting a physical deletion letter be mailed to me directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Experian should not be reporting a collection/chargeoff in the amount of {$8700.00} on the XXXX XXXX XXXX original creditor XXXX XXXX XXXX XXXX  partial account number XXXX. I was away on an extended trip to California and it was during this time my roommates illegally subleased the apartment without my knowledge and/or consent. When I returned I found the apartment empty and all of my belongings were missing. I had spoken with the apartment complex manager and due to circumstances out of my control, I had no choice but to vacate the premises. I had no furniture ; dishes or clothing. They agreed that this was an event that was out of my control. Consequently, this collection/chargeoff does not belong to me and should not be reporting on my credit report. I have contacted the bureau to remove this line item from my credit report however, I have not been successful.

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 2020-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I AM VICTIM OF AN IDENTITY THEFT, WHICH MEANS THE INFORMATION ON MY CREDIT REPORT DOES NOT BELONG TO ME. I HAVE REACHED OUT TO XXXX XXXX NUMEROUS TIMES TO HAVE THE FRAUDULENT ACCOUNT REMOVED FROM MY CREDIT REPORT. THE XXXX ACCOUNT IS FRAUDULENT AND NOT MINE.

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 2020-04-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ

Complaint narrative:
USAA, reduced my CC from XXXX to {$500.00}, more than {$15000.00} without prior notification. This is an issue for me because it could adversely my credit report. I have never been late or missed a payment, and do not carry a high balance.Even If the company was to lower it by half I would have understood. However, to reduce a consumer CC by more then 95 % is unacceptable. I am a retired XXXX XXXX that is XXXX XXXX XXXX by the VA. I have worked hard to maintain my credit report and at no fault of my own it could now be effected, negatively. After doing some research, this seems to be a negative pattern with this company. How is this even legal? The CFPB should be able to do something about this. I am in the process of buying a home, this senseless act could affect that process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Paramount GR Holdings, LLC
State: VA

Complaint narrative:
The company requires a customer to consent to sharing information outside of that info sharing required to process the loan on a form that specifies that consent is not required to process to loan. They do not offer an option to opt out you must consent to share then revoke that consent later. 

Excerpts from email exchange. 

I was informed you were curious why the consumer has to sign the privacy policy page on the loan agreement. This is a standard for all loans, giving the lender permission to mainly service the loan. The consumer is required to acknowledge receipt of the policy and therefore needs to sign it. Loanpal needs to be able to service the loan and that requires sharing information to the servicing/ billing department or to the credit bureaus. If the consumer wants to opt out of sharing that is not required to service the loan, we can send that request to our back office for them to opt out. We are not able to change the contract the consumer is signing and they need to sign and acknowledge receipt for us to move forward with financing. Feel free to call with any other questions, # XXXX. 

This reply is again full of shady double speak.. 

" giving the lender permission to mainly service the loan '' note the " mainly '' acknowledging that more than just permission to service is being requested and required. 

" Loanpal needs to be able to service the loan and that requires sharing information to the servicing/ billing department or to the credit bureaus '' not denied but more than that is given in consent in this form. '' " If the consumer wants to opt out of sharing that is not required to service the loan, we can send that request to our back office for them to opt out. We are not able to change the contract the consumer is signing and they need to sign and acknowledge receipt for us to move forward with financing '' Acknowledging that I am being required to opt in first to more than is required by just servicing. Also acknowledging that they are requiring a customer to opt in to more than required sharing in order to do business contradictory to what is said in the form itself and in my opinion not legal. 

I have already filled complaints against this company for deceptive privacy practices. They could easily add that signature as optional signature to process or an opt out of all non essential for servicing sharing into the contract. 

Let me know if they change the form or provide an opt out initially.

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 2020-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Inaccurate and defamatory information is being reported on my credit report. I have made several attempts to contact this company regarding the derogatory information being reported to my credit bureaus. My first Debt Validation letter was signed and received by them on XX/XX/2020. I received no response. I later sent a Non Response letter advising them to delete this negative information from my credit reports as they have not provided any validity that this debt belongs to me nor exists. This is a clear character violation and lack of validation. I have given 30 days to respond regarding my dispute with no proof in sight. How is it possible for them to continue reporting clearly Unverified, Invalidated, and Inaccurate information to my credit report? I am requesting this company to immediately remove this erroneous invalidated information from the three major credit bureaus : XXXX, XXXX, and XXXX. I am also requesting a physical deletion letter be mailed to me directly

Company response to consumer: Closed with explanation