vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-23 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: FL

Complaint narrative:
I am attempting to apply for another parent plus loan for my son in college. My fear is now because of this situation he will fall behind a semester or XXXX if we don't find any other type of assistance quickly. I realized my credit was being denied because of a delinquent account showing on my credit. I seen it showing portfolio Recovery. I reached out to them to get information. After second time calling I was told it was from XXXX. I tried disputing but was denied. I called XXXX to gather information and they don't have any information that is correct to any type of transactions I have ever done. XXXX couldn't further give me complete details. I told them the transactions they are stating I did is incorrect. I tried disputing but never recieve any more information about any of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 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: FL

Complaint narrative:
I have attempted NUMEROUS of time to have this issue resolved... I noticed a couple months ago on my report, numerous of UNAUTHORIZED credit inquiry 's that WERE NOT solicited by me on my report.. I sent physical dispute letters on XXXX different occasions on XX/XX/XXXX, XX/XX/XXXX and A XXXX attempt on XX/XX/XXXX. The response I was given is that they are " investigating '' to verify the information every time and it resulted in the erroneous items still staying on my credit report and negatively affecting my score when I clearly stated such items were unauthorized and inaccurate. It has been well over 30 days since my initial dispute of this inaccurate information. Per the Fair credit reporting act companies have 30 days to conduct their investigation once that time has passed and the information can not be verified they have an obligation by law to remove it and once again NOTHING HAS BEEN DONE TO RESOLVE THIS MATTER. 

Both EQUIFAX AND XXXX are violating the Fair Credit Reporting Act and my rights as a consumer. 
This is my final attempt before taking legal action to seek damages and exercising my rights as a consumer because there is a clear violation of FCRA XXXX XXXX XXXX. 

XXXX INACCURATE REPORTING : XXXX XXXXXXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 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: CT

Complaint narrative:
Please be advised this is my XXXX WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of XXXX XXXX. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your the credit bureaus first investigation, They have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

Item is XXXX XXXX XXXX # XXXX Eastern Account System # XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 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: CT

Complaint narrative:
Please be advised this is my XXXX  WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of XXXX XXXX. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your the credit bureaus first investigation, They have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

Item is XXXX XXXX XXXX # XXXX Eastern Account System # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ROYAL UNITED MORTGAGE LLC
State: OK

Complaint narrative:
I have been working with Royal United to refinance my Mortgage, communicating with representative XXXX XXXX on XXXX. He connected me with the XXXX XXXX XXXX XXXX to have my house appraised on XXXX. I mentioned to XXXX XXXX that the fee was high XXXX for my XXXX square foot home, but he stated that the fee would be rolled back into the loan. After the appraisal came back, it came back less than what they had estimated. I received a letter from XXXX saying that the dispute of the appraisal was denied, so they stopped any further communication with me, despite my emails and attempts to recover the original appraisal fee of {$530.00}, they also have not replied to my complaint on the XXXX Lastly as a XXXX citizen and Veteran with a fixed income and a XXXXt that requires medical attention monthly do to XXXX XXXX there actions have left me in financial hardship!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
I have been a victim of identity theft and numerous utility accounts have been opened and charged up and unpaid in XXXX. I have been able to clear some of these thus far and have placed a freeze my credit. I have never lived in XXXX ( have resided in XXXX  since birth ) and have not given my permission to anyone to use my information. My former name is being used as well as my birthdate and social security number. 

XXXX XXXX XXXX XXXX {$660.00} ( reported as theft/filed dispute ) XX/XX/XXXX, XXXX XXXX XXXXXXXX {$420.00} XXXX XXXX as theft/filed dispute ) I was made aware of both of these fraudulent accounts via debt XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 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: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I need this to be resolved ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I requested a XXXX forbearance from my mortgage company, but they have not contacted me or followed up. 

I have requesting, in writing via mail, a reduction in my XXXX. I have not heard back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: PNC Bank N.A.
State: AR

Complaint narrative:
wE GOT A AUTO LOAN FROM BBVA USA TO WHOM BREACH CONTRACT AND DEMANDED DEBT CANCELLATION 1099-C FROM THEM. DURNING THIS LEGAL FIASCO! PNC BANK ACQUIRED THE LOAN. WE TOLD THEM TO CANCEL LOAN CONTRACT OR FACE CLASS ACTION LITIGATION. AS OF TODAY BBVA USA IGNORED THE STATE OF AL COMPLIANT AND PROCEED WITH BRAKING THE XXXX XXXX XXXX XXXX REFORM AND CONSUMER PROTECTION ACT. AS WELL AS COLLUTED WITH XXXX XXXX VIOLATING THE FCRA 15 U.S.C. SECTION 1681g by credit file suppression.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 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: TX

Complaint narrative:
I have tried numerous times and even mailed certified copies to Experian since dating back XX/XX/2021 up until now XX/XX/2021. The certified copies cost! XXXX each, not including gas money to get to and from there. I will be notifying Congress and the Attorney General Office about this matter also Experian Credit reporting agency continued to give out incomplete or inaccurate information after I requested corrections considering filing a lawsuit. I am handicapped not looking for a pity party, but I am tired of being treated and not being heard Because Experian is being biased toward me when I have submitted substantial evidence to this bureau either they are procrastinating or being slothful toward me! I am sick and tired of it. I can not sleep ; This matter has caused me XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 and following ), I may sue a credit reporting agency for negligent or willful noncompliance with the law within two years after I discover the harmful behavior or within five years after the harmful behavior occurs, whichever is sooner. Depending on the violation, I might be able to win actual damages, statutory damages, punitive damages, court costs, and attorneys ' fees.

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 2021-11-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Atlanticus Services Corporation
State: NY

Complaint narrative:
I spoke with XXXX XXXX after the repeated calls wouldnt stop. I was threatened to be sued if I didnt pay up. I explained I had fallen behind on my credit card payments due to the pandemic and losing my income. The gentleman on the phone then got nasty with me and threatened to sue me. I said well how can I be sued if I dont have any money? He said there are ways. Youd be surprised. Told me I better ask my family for money to pay off my debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I spoke with XXXX XXXX after the repeated calls wouldnt stop. I was threatened to be sued if I didnt pay up. I explained I had fallen behind on my credit card payments due to the pandemic and losing my income. The gentleman on the phone then got nasty with me and threatened to sue me. I said well how can I be sued if I dont have any money? He said there are ways. Youd be surprised. Told me I better ask my family for money to pay off my debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
I have a credit card with chase bank and I bought something off a site that was fraudulent. I never received the package and the provided a fake tracking number that I heard is a scam now. I disputed with chase and they closed it in favor of the merchant. I called customer service several times to let them know I have proof through XXXX informed delivery and they told me to submit it and a letter saying I never received the package. I just called because it's been past a week and they still have ruled in my favor and were giving the run around to submit it through fax because I sent it through their secure messaging system.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-23 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: GA

Complaint narrative:
I sent XXXX rounds of dispute letters for unauthorized inquiries on my credit report. Never received a response back. These companies never looked into my dispute. 
Sent XXXX dispute letter out on XX/XX/21 and again on XX/XX/21 never received a response for either letter. And my disputes are not frivolous. I did attach my drivers license and social security card for verification 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 non-monetary relief
Consumer complaint received 2021-11-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Account has countless errors reported lost XXXX paid off they are reporting XXXX activity not valid and agreed to remove account. The account has been been removed over XXXX times from XXXX and keeps being readded each time it is readded I lose a major Tradeline now counting XXXX total for an account secured with my own money with perfect history for over XXXX years and under {$XXXX}?? 

They have now cost me over {$XXXX} this needs to be removed immediately

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Account has countless errors reported lost XXXX paid off they are reporting XXXX activity not valid and agreed to remove account. The account has been been removed over XXXX times from XXXX and keeps being readded each time it is readded I lose a major Tradeline now counting XXXX total for an account secured with my own money with perfect history for over XXXX years and under {$XXXX}?? 

They have now cost me over {$XXXX} this needs to be removed immediately

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 2021-11-23 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: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Subject : Disputing Information in Credit Report I am writing to dispute the following information that your company supplied to XXXX, Consumer Reporting Agency XXXX The information that I am disputing is false, and egregiously inaccurate, and it is causing me material financial harm, by hindering me from refinancing my current home loan mortgage! 

Your company XXXX XXXX XXXX has reported to XXXX that my previous home loan, which was held by Bayview Loan Servicing, was foreclosed on, vice sold to a 3rd party investor. I subsequently repurchased my home and I am still currently living in that home. 

I dispute the following information on my XXXX credit report : 1. There is an entry on my credit report under the other loans area, that was reported by XXXX XXXX XXXX, showing that my previous home loan was foreclosed on. This is patently false, as your companies name was not legally changed until XX/XX/XXXX. 

2. There is a 2nd entry, that was accurately submitted by XXXX XXXX XXXX concerning my previous loan, stating the loan was paid in full, without any false information concerning foreclosure. 

3. I have enclosed a copy of the letter dated XX/XX/XXXX ; from XXXX XXXX XXXX showing that my previous mortgage loan was paid in full, and that the loan was in fact Satisfied, and the Lien was Released. 

In conclusion, I demand that your organization remove any reference to Community Loan Servicing, and its reporting that my previous loan foreclosed on, from my credit report ASAP. This is fraudulent due to the fact that your company did not change its name until XX/XX/XXXX. If the action that I request is not done ASAP, I will seek out a civil recourse, as this reporting is currently causing me material financial harm. I will also be filing a complaint with Consumer Financial Protection Bureau, as this type of fraudulent double-dealing must not be allowed to happen Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX Enclosures XXXX Satisfaction/Release of Lien letter dated XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I am attempting to apply for another parent plus loan for my son in XXXX. My fear is now because of this situation he will fall behind a semester or two if we don't find any other type of assistance quickly. I realized my credit was being denied because of a delinquent account showing on my credit. I seen it showing XXXX XXXX. I reached out to them to get information. After second time calling I was told it was from Paypal. I tried disputing but was denied. I called Paypal to gather information and they don't have any information that is correct to any type of transactions I have ever done. paypal couldn't further give me complete details. I told them the transactions they are stating I did is incorrect. I tried disputing but never recieve any more information about any of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
Hi i just received notice that my checking account will be closed in XXXX days due to a false claim by Citi bank because of a bank transfer i made to fund the account. I HAVE FULL PROOF OF BANK STATEMENTS SHOWING THAT I OWN THE ACCOUNT THAT THE MONEY CAME FROM. Now they are holding my money XXXX ( $ XXXX ) plz send this to them ASAP. 

I UPLOADED A BANK STATEMENT AS PROOF THAT YOU GUYS ARE WRONG FROM THE ACCOUNT THAT YOU GUYS FALSELY CLAIMED INCLUDED WITH THIS COMPLAINT.

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 2021-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have been receiving XXXX since XXXX, I've been on XXXX since XXXX XXXX XXXX Medical Bills have been covered since XXXX To this date I have reports on my XXXX XXXX the XXXX major credit agencies won't remove saying it is too late to bill my insurance.. I submitted insurance information during the time of visit, I also have been part of a medical billing program that covers co-pay portions... I sent the information to the XXXX XXXX, also to the XXXX hospitals billing department who issued the report.. To this date I still can't get the items removed even though I had valid insurance during the time of visit... This unfair reporting has caused me to continue getting denied for a home loan during a time my county is forcing my family to relocate due to property being bought for a new local XXXX... The damage of this unfair and inaccurate reporting is causing severe damage to the well-being of my children and family...

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 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: GA

Complaint narrative:
I sent XXXX rounds of dispute letters for unauthorized inquiries on my credit report. Never received a response back. These companies never looked into my dispute. 
Sent XXXX dispute letter out on XX/XX/21 and again on XX/XX/21 never received a response for either letter. And my disputes are not frivolous. I did attach my drivers license and social security card for verification 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