vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-08 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: NC

Complaint narrative:
Equifax reported 11 unauthorized inquiries on my credit file without my written consent dates XXXX irresponsibly and it damaged my credit worthiness reputation. After I disputed the inquiries, they were eventually deleted between dates XXXX but as a consumer my right to privacy was violated and I gave no consent to those 11 unauthorized inquiries. I am aware that equifax is civilly liable for damages to me by misuse of my consumer file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
My former employer opened a Health Savings Account for me with Bank of America in XXXX. I contributed monthly to this account and so did my former employer. In XX/XX/XXXX, my Health Savings Account was suddenly closed by Bank of America causing medical payments to bounce. The account also had two {$300.00} distributions taken out of it in XX/XX/XXXX. When I complained to Bank of America at the time, they gave me access to a new account that did not show any former transactions. I let Bank of America know then that I wanted access to the Health Savings Account opened for me in XXXX showing all transactions, and that never happened. I received no clear explanation for who closed the account, why the account was closed and where the two {$300.00} distributions went. I received a tax statement in XXXX with no clarity for how the fair value of the account dropped from over {$2900.00} to over {$600.00} ( see attached tax statements from XXXX to XXXX XXXX. I filed an identity theft affidavit ( police report and FTC report ) and was never able to use this account for medical  payments. The account was also eligible for investment and this could not happen. 
I recently received a card for a Bank of America Health Savings Account with my maiden name on it and my current address. Please be advised, I did not open a Health Savings Account with Bank of America and continue to ask Bank of America for a clarification of what happened to the XXXX benefit that I received in XXXX which they terminated in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: OneMain Finance Corporation
State: NM

Complaint narrative:
On XX/XX/2021 around XXXX XXXX XXXX I received few alert emails from XXXX XXXX  mentioning there is an inquiry and the change to my credit report. This is very suspicious as I did not need to apply for any loans at the moment. I logged in to XXXX and found there is a Hard Inquiry from ONEMAIN Address : XXXX XXXX XXXX XXXX, IN XXXX Phone number ( XXXX ) XXXX. I called the number and I was asked to provide my phone number but my number did not match to the application on file. Then I was asked to provide the XXXX, they found it and locate the loan went to One Main Financial address in XXXX XXXX XXXX, XXXX, NM. They then connect me to the loan officer, they have verified the email address and the Phone number provided did not match mine. The phone number on the application start with XXXX are code and last XXXX is XXXX, also the email was a gmail account. They have assured me that in this case someone had used my XXXX for the loan and they have stopped from processing the loan and assured me that there will be no money approved for this loan. I have also clarified that this has never happened before, and I had a XXXX XXXX XXXX against my XXXX  when this issue occurred. Highly suspected that this must have been done by someone who knew my XXXX but I have no proof. They had advised me to freeze the credit report from all XXXX credit bureaus, to make sure similar issue will not happen again. I have done everything they suggested me to do, and have also file a dispute to XXXX to have this Inquiry remove, but this is still in process.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Optimum Outcomes, Inc.
State: FL

Complaint narrative:
This is the second complaint I have filed because Optimum Outcomes has not complied with Consumer laws. On XX/XX/2021 I sent an Affidavit of truth, validation of debt and other documents which were received on XX/XX/2021 by Optimum Outcomes for violations committed against me as a consumer. I also submitted a complaint to which they have not provided any answers nor any remedy. They had 30 days to respond and provide a validation and still have not complied. They are also in violation pursuant to 15 USC 1692g ( a ) ( 4 ) by taking action on an unverified debt. It is now XX/XX/2021 and I still have yet to hear from Optimum Outcomes. On XX/XX/2021 I sent an opportunity to cure letter which they received on XX/XX/2021 asking them to please provide remedy or legal action will be taken against them and they still have yet to respond. They continue to violate with complete disregard of my Consumer rights. Pursuant to 15 USC 1692k ( a ) ( 2 ) ( A ) Optimum Outcomes is responsible for providing remedy ( {$1000.00} for every violation ) due to their carelessness and failure to comply. This matter has to be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 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: AZ

Complaint narrative:
I never authorize anyone to share my information. Please remove it from my report. I also know that the FCRA states that only purposes for pulling someones credit report is : firm offer of credit, insurance, court order or employment. With that being said, I am unaware of the inquiries below, I never authorized such and I ask that your agency please remove from reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: We Collect Inc
State: OR

Complaint narrative:
My name is XXXX XXXX. On XX/XX/XXXX I sold my vehicle to XXXX XXXX of XXXX, Oregon XXXX. DOB XX/XX/XXXX. Phone Number : XXXX. His wife is XXXX XXXX and can be reached at XXXX. I sent my transfer of liability form to the DMV on XX/XX/XXXX via mail, I sent a detached signed copy of my title via mail to the DMV, and I filled out a transfer notice on the DMV online web portal. 

The vehicle was reported stolen on XX/XX/XXXX and was found crashed. The owner showed police proof of ownership yet the towing company fined me, then they sent me to collections. I have provided official copies of police reports and certified documentation demonstrating my release of liability to the debt collection agency. I have sent numerous emails and phone calls, and I have not received a call back providing me any information that this debt was removed from my record. I am being held liable for {$800.00}, this is not my debt and I do not owe it. They have provided me little information about actions taken or not taken on my behalf in relation to this debt and have not provided me any clear or concise details as to the process of this debt being removed from my name. I also have no idea if my tax refund or unemployment funds are being held up because of this agency. 

Towing Company Involved Speeds XXXX XXXX XXXX XXXX XXXX, XXXX, OR XXXX Phone : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX, XXXX, WA XXXX Phone : ( XXXX ) XXXX XXXX Case # XXXX Vehicle XXXX XXXX XXXX XXXX License Plate : XXXX VIN : XXXX Date of Tow : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: VA

Complaint narrative:
After purchasing a home with a VA loan my wife and I have received a number of refinance letters from loanDepot.com LLC. We have never had any business dealing with loanDepot.com and do not desire to. My wife and I both completed the opt out process at XXXX, as provided by the Fair Credit Reporting Act, on XXXX XXXX XXXX loanDepot.com has ignored our opt out and continued sending refinance letters. After giving adequate time for any letters already in the mail to be delivered we directly contacted them on XXXX XX/XX/2021 at XXXX EST. They agreed to stop sending letters. However my wife and I have continued to receive letters from loanDepot.com, with the latest received yesterday ( XXXX XX/XX/2021 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 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: AZ

Complaint narrative:
I never authorize anyone to share my information. Please remove it from my report. I also know that the FCRA states that only purposes for pulling someones credit report is : firm offer of credit, insurance, court order or employment. With that being said, I am unaware of the inquiries below, I never authorized such and I ask that your agency please remove from reporting on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-08 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: NJ

Complaint narrative:
I asked this company for a investigation on items that was previously disputed I was never provided any results by mail as I asked for in my investigation I attached proof that I asked this company for proof of the outcome of my investigation and it was never received. I consulted a attorney and asked what should I do I was advised to get a police report and ask for a investigation I did that and had yet to here back. I provided this company with police report number and letter that I received from my local police department and a FTC report and my identification card. When I contacted this company to notified them that I sent this certified mail the company denied ever receiving this information so now I'm filing a complaint because this isn't right and other people should know how they are treating people that are regular American citizens that served this country and was robbed my identity from theft and because this company make money off of people having as many account on there credit report good bad or even if they are destroying your life and your financial freedom I will get justice and I will file a law suit pending the outcome of this complaint. Thanks again

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Guild Holdings Company
State: OH

Complaint narrative:
XXXX XXXX XXXX, Loan Officer NMLS XXXX, from Guild Mortgage ran a credit inquiry pull on my credit without first asking for my permission. I did grant him permission to perform a credit pull back on XX/XX/2021 for a pre-approval which expired 90 days afterwards. I did speak with XXXX 's branch manager, XXXX XXXX on XX/XX/2021 whom basically told me well they " assumed '' and just pulled my credit since the home my wife and myself are still contemplating on closing on would be XX/XX/2021. This home is a new build, but we are still considering and entertaining other options for a home purchase, along with other options for financing. I asked both XXXX and XXXX to reverse the credit inquiry and was told that isn't going to happen and to void and shred any documents they received as I won't be conducting business with them. 

Ultimately, I want them held accountable and forced to remove the unauthorized inquiry for all 3 of my credit reports with XXXX XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC.
State: KY

Complaint narrative:
I refinanced my home from XXXX XXXX XXXX to Guaranteed Rate in XX/XX/XXXX. My insurance company XXXX XXXX XXXX XXXX XXXX provided my insurance policy to GR. You'll find in the attachments. The insurance company faxed and called requesting payment and the payment was never received. I received a check from my prior mortgage company, XXXX XXXX XXXX. I called my insurance company and they stated that check must be signed and sent to GR so they can pay the policy. That was done and GR cashed the check on XX/XX/XXXX ( thats provided in the attachments ). The insurance company reached out to GR on XX/XX/XXXX requesting for the payment to be made. Numerous times the insurance company atempted to get the payment to pay the insurance amount and nothing from GR. Now I'm still continuing to receive letters threatening force placed insurance due to " lapse in coverage '' when GR never paid the policy as they should have. On top of this, I had to establish insurance again with my agent and the premium went from {$1100.00} to {$1400.00} which is higher than it should be because GR never paid my insurance as they should have. I spoke to a couple different agents within GR and they claim they do not have the ability to see my check that was sent or the fact that it was cancelled. All they continue to tell me is after XX/XX/XXXX they will force place insurance and my premium will be higher. I spoke to XXXX and XXXX ( Supervisor ) still nothing to resolve this matter. I asked my insurance company to provide me with the dates and attempts to get this resolved and I'll attach to this complaint. This is completely unfair and deceptive. If someone would just take the time to actually review my account instead of telling me they can't see a cashed check I don't think we would be in this mess. I'm absolutely exhausted over dealing with this mess. This shouldn't be like this. A customer who has escrow should not have to jump to ever hoop. 

I must say, I can't believe all of this has happened. The refinance process was the easiest thing I've ever done in my life. Now that this has happened I have the worse taste in my mouth and will never refer anyone again to refi with your company. Never once through this process did XXXX attempt to help she continued to state she needed a reinstatement letter from my insurance company. How can you provide a reinstatement when GR never paid the policy. Due to the error the policy had to be completed AGAIN.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 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: FL

Complaint narrative:
Ive sent multiple letters to Experian about an account which they keep reporting on my Consumer Report. They claim that they verify the account but neither the " creditor '' nor Experian provide proof of such verification. Pursuant to 15 USC 1681b, they are required to receive written consent from the consumer ( me ) to report on my Consumer Report. I have sent multiple letters stating that they have not received nor do they have my permission or written consent and if they can, to please provide me with the proof, to which their representative responded with " we don't have to give you anything ''. Ive submitted multiple complaints with the CFPB and they refuse to answer to them claiming that there is an unauthorized third party in the account and that I need to call to give them authorization, but when I do call, they have no knowledge of any third party, authorization nor the response that they have given to the CFPB. All 3 Credit Reporting Agencies are required to have the exact same information on their reporting. XXXX  and XXXX  are not reporting these accounts on my Consumer Report, yet Experian refuses to follow suit. Experian has been using inaccurate and false reporting practices which have resulted in damages to my reputation as a Consumer and credit worthiness.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 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: PA

Complaint narrative:
My dispute is with the company Equifax they removed an collection off my account XX/XX/2021 it was then reinserted on my credit report on XX/XX/2021 I know this because I saw this on credit karma. I have contacted this company by phone on XXXX and XX/XX/2021. Nothing has been done they have closed it out each time within 24hrs no investigation. I was never notified of this reinsertion in writing within 5 business days under FCRA 611 ( a ) ( 5 ) ( b ) ( ii ). Not only that but it was over the 45 day time frame for this to be reinserted back on my report. I would like this account deleted ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 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: ProCollect, Inc.
State: TX

Complaint narrative:
PROCOLLECT , INC opened the collection account on XX/XX/XXXX on behalf of XXXX XXXX XXXX XXXX XXXX  for the amount of {$1800.00}. This company never contacted me until they reported me to XXXX  in XX/XX/XXXX. This is an unfair collection because I terminated my lease under Section 92.054 ( b ) of Texas Property Code due to an unlivable condition in my apartment unit that last for two weeks ( XX/XX/XXXX - XX/XX/XXXX ) due to electric outage and flood from the winter storm. The Texas Governor 's Office also issued a disaster declaration on XX/XX/XXXX. The apartment management was unwilling to move me to another unit without paying extra, which I have that right as a tenant. Additionally, water removal and moisture mitigation were improperly done, resulting in molds and more water. I decided to exercise my right and terminate my lease under Section 92.054 ( b ) of Texas Property Code, which provides the right to terminate the lease without penalty as well as to receive pro-rata refund of the rent and the security deposit. All I wanted was to have a place in a livable condition that this apartment complex failed to provide. 

I have also tried to dispute this report through XXXX  but without success. I believe that XXXX  has violated violated the Fair Credit Reporting 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 2021-07-08 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
I XXXX XXXX entered into a consumer credit transaction with CREDIT ACCEPTANCE CORPORATION on XXXX XXXX. A consumer credit transaction in which a finance charge was involved.15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction, The finance charge does not include cash, but Credit Acceptance took cash. The finance charge is also supposed to include insurance but Credit acceptance made me purchase insurance separately. Credit Acceptance also went ahead and used a third party that had nothing to do with this transaction or witness the transaction repossessed my car that i have surety interest in which is another violation. I have lost much sleep over this issue i cant believe i have been abused this much.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Revenue Corporation
State: TX

Complaint narrative:
United Revenue Corp is reporting 2 bills on my credit reports for a medical bill I am unaware of. I have asked them and all the bureaus to verify this debt! Sent letters certified in XXXX and XXXX and have yet to receive itemized bill or signature where I agreed to pay this bill.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 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: EQUIFAX, INC.
State: VA

Complaint narrative:
These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting to my credit reports. I have sent a dispute last month and never received a response for. They are still contacting me and this is still showing on my credit report. I will sue them if they continue to collect/report debt that does not belong to me!

Company response to consumer: Closed with explanation