vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-11 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: Professional Debt Mediation, Inc.
State: GA

Complaint narrative:
two years back I filled out an application for these apt but was never told of a fee of XXXX XXXX. when i left the office I noticed they had put this on my credit. I would have not filled the applicant if I knew there was a fee. they got my ss number off the application and put this charge that I was never told of on my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11 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: MN

Complaint narrative:
Under theFair Credit Reporting Act, the information provider has 30 days to report back to the credit bureau with proof that I authorized the credit inquiry. Also, in accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report.

These unauthorized/fraud inquiries have been the reason for my credit denial and hardship.

I found I was not the one who authorized this inquiry, I'm asking that that be removed immediatelyfrom my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 

If you find that I am in error, then please send me proof of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: TX

Complaint narrative:
I applied for a loan modification with Dovenmuehle Mortgage which was approved per the attached and the terms of the modification were met. I was to make trial payments XXXX, XXXX and XXXX and the modified loan was to take affect. This never happened and I received NEW documents to apply for a loan modification dated XX/XX/2021 when there was a modification agreement in place and the terms were met by me. The current status is that I am unable to make any payments on the modified loan and unable to make payments at all and am trying to figure out why the mortgage company has reneged on the modification agreement. I am a XXXX vet with XXXX and the first agreement was difficult enough providing the necessary documents and filling out the paperwork, now this company has seemed to have cancelled the agreement in place and requested I apply for yet ANOTHER modification and XXXX my account in that I am unable to make any payments. I feel they are deliberately trying to push me into foreclosure despite their previous agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11 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: GA

Complaint narrative:
I have repeatedly reported that there are FRAUDULENT items on my credit report and that they are in violation of FCRA regulations. 

There is an abundance of inaccuracies in my report. The attached accounts are reporting inaccurately and or erroneously. I have reported these in XXXX and XXXX of XXXX  with no rectification for the accounts. 

I have attached all three reporting agencies to show inconsistencies and FRAUDULENT negative 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 explanation
Consumer complaint received 2021-09-11 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: PA

Complaint narrative:
I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, XXXX and Equifax to have the fradulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX Enclosures : Social, ID, Identity Theft report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11 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: GA

Complaint narrative:
This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11 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: PA

Complaint narrative:
I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, XXXX and Equifax to have the fradulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX Enclosures : Social, ID, Identity Theft report,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio recovery is constantly pursuing me for a debt I dont owe. I reviewed my report and have informed there company ( XXXX XXXX XXXX ) who alleges this debt originated with them. More baffling is why is portfolio recovery pursuing me for this allege debt when my report indicates this debt was sold to XXXX  XXXX XXXX XXXX NOT PORTFOLIO RECOVERY ACCOUNT. Please delete this account from report there is no validation of debt

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: CO

Complaint narrative:
XX/XX/2021 - was contacted twice, once at XXXX and again at XXXX. Answered second call and asked agent what company she was with, she refused to provide that information until I verified my information with her. This company calls me multiple times a day, 7 days a week as early and as late as they are legally allowed to do. I've asked for the calls to cease, the company has my mailing address, and they continue to call despite this. Agent also refused to give an address to send a cease and desist letter to upon calling back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: PENTAGON FEDERAL CREDIT UNION
State: TX

Complaint narrative:
In XXXX of XXXX Pentagon Federal Credit Union ( PenFed ) reported my mortgage account as delinquent when it was in forbearance. On XX/XX/XXXX PenFed mailed me a letter stating that they submitted corrections to the credit bureaus. Well this does NOT include XXXX because as of XX/XX/XXXX my XXXX credit report is still shown as delinquent by PenFed. I filed a complaint about this with CFPB in XX/XX/XXXX ( Complaint ID XXXX ) and the response from PenFed was that I needed to wait at least 30 days to see an update with the credit bureaus. I called XXXX on XX/XX/XXXX and was on the phone with them more than 30 minutes discussing this because they had NOT received any corrective information from PenFed. The only paperwork they received was the letter I submitted to them from Penfed dated XX/XX/XXXX. When XXXX contacted PenFed to verify the inaccurate information reported to them, PenFed told them that the INACCURATE information was CORRECT! In fact, on XX/XX/XXXX PenFed AGAIN reported my account as delinquent to XXXX. I have attached documents which verifies all of this. This misinformation has caused me to pay more for car insurance because of the negative status on my credit report and score. It has also caused me to be unable to refinance my mortgage due to the negative status on my credit report and score. This will be my last attempt to rectify this civilly as my next step will be filing a lawsuit.

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 2021-09-11 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: TX

Complaint narrative:
I have reported discrepancies to several accounts on my credit reports with each reporting agency Experian, XXXX and XXXX and they continue to report inaccurate information. This inaccuracies are hurting my credit score.

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 2021-09-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Marlette Funding, LLC
State: MO

Complaint narrative:
On XX/XX/XXXX, I went online to apply for a small loan. I started putting in my information, name, address, where I banked etc. Then I got to a part where they asked me for my Banking username and password. I decided nope, not doing it so I left the website. They immediately called me and I explained to them that I wasn't comfortable giving that info and I had changed my mind about a loan. They continued calling until I had to block them. Meanwhile i was also receiving e-mails from them stating that I needed to mail them more information to complete the loan. I continued to ignore them. Today XXXX XXXX, XXXX I received a text message from them that said, Welcome to Best Egg! Your account # is XXXX Your first automatic payment is scheduled on XX/XX/XXXX for {$68.00}. View your account details at XXXX. I called them 3 times. The first lady hung up on me, the second lady said it was my fault because I gave them my bank info to just pay it back! I did not consent. XXXX  over it!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: MI

Complaint narrative:
I previously filed a dispute and I think that there is a lot of confusion going on with it. The last time that I used my debit card was at XXXX. Any charges after that are unauthorized. My card was lost and I reported it as soon as I found out. Please help me get this situation under control. I do not wish to escalate it any further, only to finish school shopping. Thanks

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
I called Trans World systems about a XXXX account. We agreed on a settlement of {$78.00}. I paid them on the due date. They agreed to report the account as settled. I look at my report, the account is still there and is being reported as balance decreased. Thats not what we agreed upon. I want them to remove this account and stop reporting it on my credit like they said they would.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have reported discrepancies to several accounts on my credit reports with each reporting agency XXXX, TransUnion and XXXX and they continue to report inaccurate information. This inaccuracies are hurting my credit score.

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 2021-09-11 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have reported discrepancies to several accounts on my credit reports with each reporting agency XXXX, XXXX and Equifax and they continue to report inaccurate information. This inaccuracies are hurting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
On XX/XX/2021 Wells Fargo denied me for a auto loan that they got compensation for by using my credit card that arose from a consumer credit transaction. There is no law saying they can deny me my own credit. I am the original creditor and consumer, and they reported a consumer credit transaction that arose from my credit card. This is a violation of FCRA 15 U.S. Code 1681a - Definitions ; rules of construction. XXXX XXXX XXXX is violating FCRA by providing information on my consumer report. Below are the following things that should be excluded from my consumer report. ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; Wells Fargo is also in violation of 15 usc 1682b ( 2 ) Wells Fargo is also in violation of FCRA for denying me credit. Adverse Action does not say anything about denial of credit. I am the original creditor. What laws are Wells Fargo using to allegedly deny me credit. I have a open end credit plan as defined by congress. Wells Fargo is being deceitful and fraudulent because they used my credit plan. I only came for a consumer credit transaction. Wells Fargo has taken an adverse action towards me. Because I am administering and extending myself my own credit. This arose from a consumer credit transaction from my credit card, and as original creditor, it is my RIGHT to have the ability to discharge debt.

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 2021-09-11 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: GA

Complaint narrative:
I have repeatedly reported that there are FRAUDULENT items on my credit report and that they are in violation of FCRA regulations. 

There is an abundance of inaccuracies in my report. The attached accounts are reporting inaccurately and or erroneously. I have reported these in XXXX and XXXX of XXXX  with no rectification for the accounts. 

I have attached all three reporting agencies to show inconsistencies and FRAUDULENT negative 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 explanation
Consumer complaint received 2021-09-11 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:
I have repeatedly reported that there are FRAUDULENT items on my credit report and that they are in violation of FCRA regulations. 

There is an abundance of inaccuracies in my report. The attached accounts are reporting inaccurately and or erroneously. I have reported these in XXXX and XXXX of XXXX  with no rectification for the accounts. 

I have attached all three reporting agencies to show inconsistencies and FRAUDULENT negative accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capio Partners, LLC
State: TX

Complaint narrative:
, I received a alert on my XXXX and XXXX credit file. They are seeking a collection payment in the amount of {$1500.00} and {$770.00} from XXXX XXXX XXXX .I have not received any prior correspondence either via phone call or via mail from this agency concerning any type of debt to even validate or determine if it is indeed mine. I am unaware of any debt and absolutely have no contact with this company. This debt is not VALID. From This was placed on my credit report with no formal letter from XXXX XXXX.I have been a victim of identity theft. This is against the law to list on my credit report without a formal letter. I have sent them a certified Validation of debt letter on XX/XX/2021 and have not gotten a respond.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-11 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: CCS Financial Services, Inc.
State: CA

Complaint narrative:
I have a collection account reporting on all 3 of my credit reports which was incorrectly processed and sent to a collections agency by XXXX XXXX. The amount reporting on all XXXX credit reports is for {$270.00} and it has been in collections and reporting negative since XX/XX/2019. This was an error made by XXXX XXXX ' in which they did not see all the equipment that was returned to them and one of their employees reported the item not returned, and once they did their inventory they realized that I had returned the item and they notified the collection agency ( credit collection services ) which then showed my account with XXXX XXXX in good standing, however the delinquency and collection activity is still reporting on all 3 credit bureaus ( XXXX XXXX, XXXX, & XXXX ) I have spoken to XXXX XXXX and the credit collection services several times and they always advise me that they do not show any collection activity or notices against me, and they have requested that all XXXX credit bureaus remove the collection notice of delinquency from my credit report, but nothing has been removed and it is affecting my credit to purchase a home. I also sent letters and contacted all 3 credit bureaus but they came back with the negativity still reporting against me on all 3 credit bureaus. The Credit collection services customer service representative advised me that they have stopped all negative reporting to the credit bureaus form XX/XX/2019 and she had no idea why all XXXX credit bureaus still were reporting the delinquency on all 3 credit bureaus. This is a headache, because I do not believe that the credit bureaus are doing their job, only ruining my credit and this delinquent item should be removed immediately!!! 
It is reporting under Credit Collection Services, phone # XXXX - XXXX XXXX XXXX XXXX MAXXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11 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:
I recently sent letters over 60 days ago to this bureau and they are disregarding a regular consumer disputes. I'm stressed and have been sending letters before this and still no response.

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 2021-09-11 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:
I recently sent letters over 60 days ago to this bureau and they are disregarding a regular consumer disputes. I'm stressed and have been sending letters before this and still no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Lost or stolen check — 
Company: LOBEL FINANCIAL CORPORATION
State: FL

Complaint narrative:
Hello, I have a check that I have not been able to exchange my check has expired and I have not paid my funds. I need help recover my money

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation