vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-13 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: DE

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible

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 2022-02-13 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: Paramount Capital Group, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX this company obtained my social security number without my permission

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XX/XX/2021, XXXXXXXX XXXX XXXX XXXX put a collection on my account for the amouth of {$160.00} for a membership. When I called & canceled the membership. They are stating they have no evidence of me calling when in fact i did. I reached out to Experian to get this removed from my report it has now been 60 days and it is still showing on my account. This is harming my credit report in so many ways.

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 2022-02-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
This complaint is formally made against Bank of America ( " B of A '' ). B of A has committed UDAAP violations, did not properly apply my mortgage payment, may have damaged my credit, improperly charged late fees, and misrepresented what will happen with my loan after the Cares Act forbearance has ended. 

Here are the facts. My wife was laid off as a result of the Covid-19 pandemic and I asked B of A to provide me with a forbearance. I specifically informed B of A at the time that I did not want a balloon payment at the end of the forbearance and wanted my maturity date to be extended the same length as the forbearance. I was informed by B of A that I will obtain a modification after the forbearance terminates that will extend the maturity date. 

In XX/XX/XXXX, instead of a loan modification agreement, I received a balloon loan agreement from B of A. I called B of A because my forbearance was ending in XX/XX/XXXX and I did not want the forbearance period to be placed at the end of the loan as a balloon payment ; I wanted a loan modification. B of A 's representative informed me that she will send me the loan modification paper work. 

I never received the paperwork and I paid XXXX 's mortgage payment on time. 
My mortgage statement showed that I have not paid for the XX/XX/XXXX mortgage payment. 

On XX/XX/XXXX I called B of A and the representative told me that the payment was applied to the XX/XX/XXXX periodic payment and not the XX/XX/XXXX periodic payment! She also informed that that she will send the loan modification paperwork but I will also have to provide financials. At no time did B of A mentioned that I had to provide financials to see if I qualify for a loan modification! 

On XX/XX/XXXX, I received another Balloon agreement and not a loan modification! 

I want the CFPB to investigate the unfair and deceptive practices of B of A because they are harming me and thousands of other borrowers who obtained a forbearance during the Covid-19 pandemic and are forced to sign balloon agreements or face dire consequences ( applying payments to the XXXX periodic payments and effectively harming credit scores ). 

I also want what B of A promised and provide me with a loan modification ( without financials ) which extends the maturity date the same amount of time as the forbearance, reverse the late charges, and ensure my credit report is not harmed by not applying payments appropriately.

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 2022-02-13 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
In 2021 XXXX XXXX placed a inaccurate debt of my credit account. They are saying I owe {$100.00}. I called Experian & XXXX XXXX to get this removed from my account & they have failed to do so. This account should have never been placed on my credit report. I had no knowledge of this account to begin with.

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 2022-02-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
Synchrony Bank is attempting to collect an alleged debt that is unvalidated pursuant to 15 USC 1692g. I have sent a debt validation letter request all the necessary information for me to adequately validate my obligation to the alleged debt pursuant to 15 USC 1692g ( a ) ( 1 ), 15 USC 1692g ( a ) ( 2 ) and 15 USC 1692 ( b ), I require the name and address of the original creditor to whom the debt is owed as pursuant to 15 USC 1692j it can be seen as fraudulent and deceptive to make a consumer believe that person other than the original creditor is participating in the collection of or attempting to collect a debt such consumer allegedly owes. 
I require all information in the aforementioned Federally enacted laws so that I may validate my obligation to the alleged debt. Until then I request that Synchrony Bank remove my personal information from any and all credit reporting agencies and public records as it can be seen as fraudulent information being unvalidated and may cause grievous harm to my public reputation pursuant to 15 USC 1692 ( e ) ( 8 ).

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 2022-02-13 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: DE

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible

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 2022-02-13 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: DE

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: KS

Complaint narrative:
I receive repeated calls from Portfolio Recovery Associates. They call from a different phone number every couple days. I almost always answer the phone and I am greeted by someone telling me their name and asking me to verify sensitive information like address, date of birth and social security number. I then ask who they are and what company they are calling from to make sure I am not giving my information to scammers. The majority of them refuse to tell me what company they are calling from. I then ask why they are calling but they say it is about a personal matter and refuse to give more details until I give them my sensitive information. Several others tell me the name of the company, to which I verify the information and we continue to have a conversation about the debt. I then explain to these folks that I was laid off from work and have had difficulty finding another job due to my specialized industry. I even cried to one of the operators about the trouble I have had over the last 2 years. The other operators have also said they understand the circumstances why I can't pay or make payment arrangements but some have gone as far to ask me if I have family members that can help me out. They also say they will make notes on my account so I do not receive repeated calls but I receive more phone calls just a few days later and have to go back through this same process again with someone else refusing to tell me who they are or why they are asking for my personal info. This has been going on for at least 6 months now and the phone calls average twice a week and always from a different phone number. I have repeatedly asked them to stop the calls and I will be in contact as soon as I can make some kind of arrangements. The only relief I have had was from the operator I cried to. After talking to him, the phone calls stopped for a couple weeks. The phone calls resumed about 3 weeks ago and its now back to the same issues at least twice a week with someone asking for my info while refusing to identify why they are calling or the company they are calling from.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On XX/XX/2022, I reached out to experian to get this now closed account off my credit report they have failed to do so. This accounty was fraudulently opened and they closed & it said it will be removed this account has now been closed for months and it is still showing up on my account its saying a Litigation is pending.

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 2022-02-13 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: LA

Complaint narrative:
Hello, My name is XXXX XXXX. I am writing this dispute because of fraud activities. I have attached the documents, as well as my license and proof of address. It has been over 60 days and I still have not heard back from these agencies about the letters that i sent in. They are taking advantage of me as a consumer. Please remove these fraudulent, incomplete, and inaccurate accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13 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: LA

Complaint narrative:
Hello, My name is XXXX XXXX. I am writing this dispute because of fraud activities. I have attached the documents, as well as my license and proof of address. It has been over 60 days and I still have not heard back from these agencies about the letters that i sent in. They are taking advantage of me as a consumer. Please remove these fraudulent, incomplete, and inaccurate accounts.

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 2022-02-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC
State: FL

Complaint narrative:
See attachments : *8 pages from Loan Depot stating the same statement " further research time '' *New document since last request for help -- IRS 1098 showing payoff and remaining balance of {$0.00} and reporting {$460.00} less payoff amount from Loan Depot 's original document " Thank you for your payment '' dated XXXX. NOTE : IRS 1098 form shows late payment also paid. Once again, " Thank you for your payment of {$50.00} late payment paid XXXX *What other research do they need? Loan Depot 's own admission three time states that loanXXXX is paid in full. ( page 16, page 2 and 3 ) *Document also attached from closing XXXX XXXX, payoff of XXXX XXXX as of XXXX $ XXXX {$170.00}, XXXX ( page 3 of attachment ) or reported 1098 form ( page 16 of 16 ) payments applied {$170000.00}, over reported of {$490.00}. 
*Loan Depot owes me {$6000.00} over payment *I am seeking an attorney for {$6000.00}, attorney 's fees and interest due since XXXX. Seeking attorney Monday XXXX, they have had enough time to so called " research '' *Can you help me? 
*Sending all documents to your address certified mail so someone will open and assist me in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13 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: FL

Complaint narrative:
XXXX XXXX XXXX  placed a collection on my credit. It showed up on Transunion XX/XX/XXXX ( score increased by XXXX ) which made no sense-I called XXXX XXXX and first rep who could not locate the account told me to file a dispute, so I did. I called back after thinking about what she said and asked for a manager-he located the accounts, and I paid the balance XXXX in full. on XX/XX/XXXX my score went down again by XXXX pts and note by transunion said no change. XX/XX/XXXX score went up XXXX pts as XXXX XXXX  marked collection as paid in full. The dispute I filed ( mentioned above ) was completed on XX/XX/XXXX and the collection account was deemed valid with a balance of XXXX in error and my score decreased again by XXXX points. I contacted transunion they told me to contact your office-I also XXXX XXXX 2 times and they advised it was an error and they would remove it. So finally, transunion removed it and my score went down again by XXXX points note listed account collection removed. I have not been able to resolve this and I feel the point calculations are unfair and inaccurate. I need help please

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 2022-02-13 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I requested my credit reports from each of the 3 national credit reporting companies through XXXX on XX/XX/2021 and received two of them. The one from Equifax, however, has been impossible to secure so far. I prefer to get the reports online because I find it more secureIve had issues with the mail before and they contain very sensitive information. 

When a consumer is requesting the Equifax report, they are asked a few questions. The answers have to coincide with the information in their report. The problem is that none of the questions applies to the person making the request and, accordingly, they have to select something like none of the above for every single one. So the company denies access to the report for security reasons this happened to me and two relatives. 

I then made the request by phone. After that the company sent me a letter asking for a copy of personal documents containing my address and full social security number ( see the attached letter ). I sent the documents back through Certified Mail and the company got them on XX/XX/XXXX ( see the screenshots from USPS tracking tool and Certified Mail receipt ) ; but I never received the report. I dont know whether or not the report was sent or if it was lost. They have managed to make the process of getting a credit report at least the free report harder and less secure at the same time. And, at the end, the consumer may not get it at all. 

A message in XXXX says we can obtain free weekly online credit reports. But I have been unable to get my report from Equifax for more than 3 months. I have contacted the company, but to no avail. The last time, on XX/XX/XXXX, they told me they didnt receive the documents I sent them in XXXX, which is obviously incorrect. The biggest concern for me is that I dont know how they are handling this highly sensitive information. 

Thank you for your attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc
State: FL

Complaint narrative:
I received a letter from Medicredi asking for immediately payment from a medical bill Customer # XXXX Account XXXX Creditor name XXXX Family hlth As soon I get the letter I sent back response asking for validation or any proof that I own the debt, more than 15 days later I received other letter from them telling me that I have call them back because they need more information from me,, Definitely they failed to validate this debt with the amount time permitted by law, I don't have to provide any other information to them, they should have all necessary information if they are trying to collect a debt..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Motolease, LLC
State: FL

Complaint narrative:
Creditor Information MOTOLEASE , LLC XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX MOTOLEASE , LLC is intentionally and continually reporting false information to credit bureas to maliciously cause large drops in credit scores. This behaviour has been recent with a large influx of calls for a balance already paid by the insurance company to close the account. These large drops in credit score initiated by MOTOLEASE have caused irrepairable damage financially and mentally. The creditor is maliciously and intentionally reporting charged off accounts as open with a current balance as if the account is an active accountbon the books with a payment due. The first instance was on XX/XX/2022 with XXXX. The charged off account was reported as open with a balance due and payable causing a XXXX  point score drop. The false and misinformation was disputed with XXXX and was removed on XX/XX/2022. On XX/XX/2022 Moto Lease continued with the fraudaulent reporting by reporting to XXXX that a charged off account had an open and due balance instead of reporting the correct balance of 0. This immediately caused a XXXX  point drop in credit. After XXXX removed the first instance of this false reporting. MotoLease willingly and maliciously reported false information yet again causing irrepairable damage. This fraudulent report was again disputed on XX/XX/2022. MotoLease should not have the continued ability to report false information intentionally. The responsibility and integrity of reporting true accurate information should not be held at the whim of a company using fraudulent tactics that cause harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13 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: TX

Complaint narrative:
I have recently checked my credit reports with XXXX, Equifax, and XXXX and have found duplicates reporting 's that is currently affecting my credit score. I have disputed these findings with each bureau, and they have not removed the duplicates from my credit file. Below are the duplicates showing on my credit file XXXX XXXX Account No : XXXX Duplicated three times on Equifax XXXX XXXX Account No : XXXX Duplicated once on XXXX XXXX XXXX XXXX XXXX XXXX Account No : XXXX Duplicated twice on XXXX XXXX XXXX XXXX  Account No : XXXX Duplicated twice on XXXX XXXX XXXX  Account No : XXXX Duplicated twice on XXXX XXXX XXXX Account No : XXXX Duplicated once on Equifax

Company response to consumer: Closed with explanation