vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
I noticed on my credit report that a card was opened fraudulently in my name. The card on my report is titled " comenitycapital/XXXX   '' and has already racked up a balance of {$4000.00} against the {$4000.00} limit. I have nothing to do with this card and did not open this or authorize it myself.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Account Resolution Corporation
State: TX

Complaint narrative:
My XXXX doctor for the last four years billed the wrong insurance company ; then before they billed me, or called me, or talked to me when I had quarterly treatments at their office, turned me over to a collection agency. 

We called them and talked to three staff members in services, billing, and authorizations to explain the issue. They ignored us. 

I paid the whole bill out of pocket and will wait for them to bill the right insurance company so I can get reimbursed. People with less money that I have would not have this luxury. 

Both companies administration services are incompetent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
We accepted a COVID forbearance from XXXX XXXX XXXX in XXXX. We were never told about any second step -- meaning modification. XXXX told us the amount would be put on the back end of the loan. XXXX sold our loan to Nationstar, serviced by XXXX. 

In XX/XX/XXXX, we received a loan modification proposal from RightPath, and we did not request or have any prior discussions with RightPath. When we spoke with our then-agent, he said a loan modification never was done on our loan. This was the first we heard of any type of modification. I contacted XXXXXXXX XXXX  and an agent told me that XXXX XXXX XXXX claimed they modified the loan. We told the RightPath agent we wanted to research the modification issue. Recently, we received a letter from RightPath stating we had not completed a modification and with no mention of our conversation with the agent. We subsequently received a letter from a new agent for our account. 

We are very concerned that our account was mismanaged by XXXX and that XXXX may have sent inaccurate information to Nationstar as part of the sale of our loan. We have a payoff letter from XXXX last year that included all totals. The current balance shown on potential modification documents would negate a year 's worth of payments made by us. We are specifically concerned about the possible mismanagement of COVID-related monies on behalf of XXXX. 

We need absolute clarity on the issue and tried many, many times to get straight answers from XXXX to no avail. This issue has extended to Nationstar. We are prepared to hire legal assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 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: TX

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Report Act, Everything has to be 100 % accurate on my credit report and Under 15 U.S Code 1681e ( b ) and 15 U.S Code 1691i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
On XXXX XXXX, 2023 I went to Lowes to look at purchasing a Lawn Mower. When I was at checkout the cashier suggested I apply for a credit card and Id get around {$100.00} off of the items I was buying, including a lawn mower. After entering my information the cashier said she got a message they couldnt complete the transaction and they would follow up via mail with the credit decision, which sounded odd to me. Ultimately I received an adverse action notice in the mail. It stated I was declined as the credit reporting agencies indicated I was deceased. I immediately ordered credit reports from all three reporting agencies and none of the showed me as deceaseds I contract Syncrony Bank, the institution who rendered the credit decision and sent me the adverse action letter. I noted that Synchrony had pulled my credit, there is an inquiry from them on my reports. They said that my social security number was off by one digit which caused the issues. My problem is that they pulled my credit, they had to have the proper information to do that. Why would they send me an adverse action thats says I am deceased? When I questioned the rep from asynchrony they suggested I return to the store where I submitted my application and ask to resubmit it with correct social security number. The problem I have is they sent me a totally bogus adverse action reason to decline my request. When questioned about the fact that they did see my credit report and that I knew sending invalid reasons for declining an application is a violation of regulations, they shrugged it off and sent me back to the store. I want my credit report inquiry removed since they didnt use that information anyway. I dont want their card at this point as I dont trust the organization making the credit decisions. I also want them addressed on violating federal regulations related to consumer credit and with how non-caring the rep, and a supervision as I asked to speak with a super visor during my call to Synchrony, it appears they dont see any issue with what this experience was for me, the consumer..

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 2023-03-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
In accordance with the fair credit act, this creditor has violated my rights. Under 15 Usc 1681 section 602 states I have the right to privacy. Under 15 Usc 1681 section 604A section 2 it also states a consumer reporting agency cant not furnish an account without my written instructions. Under 15 Usc 1666B a creditor may not treat an payment on a credit card account under an open and consumer plan as late for any purpose.

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 2023-03-20 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: NV

Complaint narrative:
In accordance with the fair credit act, this creditor has violated my rights. Under 15 Usc 1681 section 602 states I have the right to privacy. Under 15 Usc 1681 section 604A section 2 it also states a consumer reporting agency cant not furnish an account without my written instructions. Under 15 Usc 1666B a creditor may not treat an payment on a credit card account under an open and consumer plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
In accordance with the fair credit act, this creditor has violated my rights. Under 15 Usc 1681 section 602 states I have the right to privacy. Under 15 Usc 1681 section 604A section 2 it also states a consumer reporting agency cant not furnish an account without my written instructions. Under 15 Usc 1666B a creditor may not treat an payment on a credit card account under an open and consumer plan as late for any purpose.

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 2023-03-20 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: FL

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing in regards to my credit report, which contains several negative items that I would like to dispute. I have noticed that there are a number of inquiries and accounts on my credit report that I did not authorize, and I believe that some of these entries may be fraudulent. 

Firstly, there are two inquiries that I did not authorize - one from XXXX XXXX on XX/XX/XXXX and another from XXXX XXXX on XX/XX/XXXX. Since I do not remember authorizing these inquiries, I suspect that they may be fraudulent. I request that you remove these inquiries from my credit report immediately. 

Next, I would like to dispute the information on the following accounts : XXXX, account number XXXX : The information being reported on this account is incorrect, and no updates have been made to it. I request that you remove the incorrect late payments from this account as soon as possible. 

XXXX, account number XXXX : I have no record of this account belonging to me, and I believe that this is inaccurate information. Please remove this account from my credit report without delay. 

XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, account number XXXX : I have never had any business relationship with this company, and I request that you delete this unknown account from my credit report right away. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, account number XXXX : As with the previous entry, I have no knowledge of this account and believe it to be inaccurate information. Please remove it from my credit report. 

XXXX XXXX, account number XXXX : I have no record of this account belonging to me, and I believe that this is inaccurate information. Please remove this account from my credit report without delay. 

XXXXXXXX XXXX XXXX XXXX XXXX, account number XXXX : Again, I have never had any business relationship with this company, and I believe that this account does not belong to me. Please delete this unknown account from my credit report immediately. 

Finally, I would like to dispute another unauthorized inquiry from XXXX XXXX on XX/XX/XXXX. Since I do not remember authorizing this inquiry, I suspect that it may be fraudulent. I request that you remove this inquiry from my credit report immediately. 

Thank you for your prompt attention to this matter. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Report Act, Everything has to be 100 % accurate on my credit report and Under 15 U.S Code 1681e ( b ) and 15 U.S Code 1691i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2023-03-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NV

Complaint narrative:
After a year and half of trying to resolve the issues with this mortgage, I filed a complaint here late last year ( XXXX ) and on XX/XX/XXXX I received a reply from PHH Mortgage stating that I had been granted a new loan modification and I would be receiving documentation detailing said new modification in the following days. It is now XX/XX/XXXX, and despite several phone calls over the last few weeks, and speaking with a few PHH associates I have not received any further information on the loan modification I was promised. Currently my account is in forbearance that ends on XX/XX/XXXX. I will be requesting an extension. And I will continue to call to try and speak with someone. But at the end of the day, this entire saga has been exhausting, frustrating, and scary. I'd like resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2023-03-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing in regards to my credit report, which contains several negative items that I would like to dispute. I have noticed that there are a number of inquiries and accounts on my credit report that I did not authorize, and I believe that some of these entries may be fraudulent. 

Firstly, there are two inquiries that I did not authorize - one from XXXX XXXX on XX/XX/XXXX and another from XXXX XXXX on XX/XX/XXXX. Since I do not remember authorizing these inquiries, I suspect that they may be fraudulent. I request that you remove these inquiries from my credit report immediately. 

Next, I would like to dispute the information on the following accounts : XXXX, account number XXXX : The information being reported on this account is incorrect, and no updates have been made to it. I request that you remove the incorrect late payments from this account as soon as possible. 

XXXX, account number XXXX : I have no record of this account belonging to me, and I believe that this is inaccurate information. Please remove this account from my credit report without delay. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, account number XXXX : I have never had any business relationship with this company, and I request that you delete this unknown account from my credit report right away. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, account number XXXX : As with the previous entry, I have no knowledge of this account and believe it to be inaccurate information. Please remove it from my credit report. 

XXXX XXXX, account number XXXX : I have no record of this account belonging to me, and I believe that this is inaccurate information. Please remove this account from my credit report without delay. 

XXXXXXXX XXXX XXXX XXXX XXXX, account number XXXX : Again, I have never had any business relationship with this company, and I believe that this account does not belong to me. Please delete this unknown account from my credit report immediately. 

Finally, I would like to dispute another unauthorized inquiry from XXXX XXXX on XX/XX/XXXX. Since I do not remember authorizing this inquiry, I suspect that it may be fraudulent. I request that you remove this inquiry from my credit report immediately. 

Thank you for your prompt attention to this matter. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-20 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing in regards to my credit report, which contains several negative items that I would like to dispute. I have noticed that there are a number of inquiries and accounts on my credit report that I did not authorize, and I believe that some of these entries may be fraudulent. 

Firstly, there are two inquiries that I did not authorize - one from XXXX XXXX on XX/XX/XXXX and another from XXXX XXXX on XX/XX/XXXX. Since I do not remember authorizing these inquiries, I suspect that they may be fraudulent. I request that you remove these inquiries from my credit report immediately. 

Next, I would like to dispute the information on the following accounts : XXXX, account number XXXX : The information being reported on this account is incorrect, and no updates have been made to it. I request that you remove the incorrect late payments from this account as soon as possible. 

XXXX, account number XXXX : I have no record of this account belonging to me, and I believe that this is inaccurate information. Please remove this account from my credit report without delay. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, account number XXXX : I have never had any business relationship with this company, and I request that you delete this unknown account from my credit report right away. 

XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, account number XXXX : As with the previous entry, I have no knowledge of this account and believe it to be inaccurate information. Please remove it from my credit report. 

XXXX XXXX, account number XXXX : I have no record of this account belonging to me, and I believe that this is inaccurate information. Please remove this account from my credit report without delay. 

XXXXXXXX XXXX XXXX XXXX XXXX, account number XXXX : Again, I have never had any business relationship with this company, and I believe that this account does not belong to me. Please delete this unknown account from my credit report immediately. 

Finally, I would like to dispute another unauthorized inquiry from XXXX XXXX on XX/XX/XXXX. Since I do not remember authorizing this inquiry, I suspect that it may be fraudulent. I request that you remove this inquiry from my credit report immediately. 

Thank you for your prompt attention to this matter. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-20 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
On ( XXXX ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and XXXX have got into the hands of the wrong person.

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