vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC
State: CA

Complaint narrative:
Planet home lending was my loan servicer they foreclosed on my property even though they had my modification application in hand and even though I was sick with the coronavirus while on the phone with them in the last few days of before the Foreclosure they still would not give me any extension for the sale date and I ended up getting the law librarian sick because of my selfishness and wanting to keep my home I was in there trying to learn the law to save my house she was very sick for many months and still probably has not forgiven me because I don't have any help from the law library anymore. On the Foreclosure sale date I was there at the location where they said the foreclosures auction was going to be and there was absolutely no auction at all in any sense. Even though there was no auction they said there was one and even though it was supposed to be a free competitive auction the VA put a stipulation saying that the loan service can only bid so much, which makes it not a free and competitive auction. So I then contacted the VA to explain that the Foreclosure had gone through and when I informed my VA loan technician XXXX XXXX that it was now time for me to start making payments to them directly like he had explained to me was going to happen they told me that they could have done that but they couldn't get a hold of me so now it's too late even though the auction was just yesterday and it's a done deal sorry there goes your house that you worked the last 15 years almost on and put every XXXX of your XXXX into ( by the way the XXXX comes from combat ). After a very long time of arguing with several different people in the VA loan technician 's office the boss finally admitted that I was told that by the person but that that person didn't know what they were talking about and there's no way they could do that kind of thing unless the house has some a lot of value to it and mine did and mine fit the description a home that is eligible to be what is called refunded by the VA. So end result VA has some middleman company hiring an eviction company to get me evicted I explained to that eviction company that my rights are in place my rights are called redemption period Rights and they pretend to have never heard of these kinds of things so they went and after many many lies convincing the court that they tried to notify me of different events was able to get a court date for an eviction without me being notified. The eviction company 's name is XXXX XXXX XXXXXXXX. I doubt anything I say at this point matters because it's proven on so many occasions that I can do everything right somebody's going to XXXX  smack me down. My number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX XXXX and i am submitting this complaint without any influence from any XXXX XXXX or agency. I am a consumer and reporting ID theft. The inquiries were NEVER authorized XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 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: CBC Companies, Inc.
State: PA

Complaint narrative:
My name is XXXX XXXX XXXX XXXX and i am submitting this complaint without any influence from any 3rd party or agency. I am a consumer and reporting ID theft. The inquiries were NEVER authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: IL

Complaint narrative:
NMAC still continues to violate my federal rights. They are still contacting me after receiving my cease and desist. They are still collecting payments after not validating this debt. They have still yet to send me an audit trail that I have requested. They are still negatively reporting to consumer reporting agencies after I provided written instructions not to. They threatened to steal my car again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 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: PA

Complaint narrative:
In accordance with with the fair credit reporting act XXXX account : XXXX XXXX XXXX, has violated my rights In accordance with with the fair credit reporting act XXXX account : XXXX, has violated my rights In accordance with with the fair credit reporting act XXXX account : XXXX XXXX XXXX, has violated my rights In accordance with with the fair credit reporting act XXXX  account : XXXXXXXX XXXX XXXX, has violated my rights In accordance with with the fair credit reporting act XXXX account : XXXX XXXX, has violated my rights 15 u.s.c 1681 section 602 A, states I have the right to privacy 15 u.s.c 1681section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-12 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: PA

Complaint narrative:
In accordance with with the fair credit reporting act XXXX account : XXXX XXXX XXXX, has violated my rights In accordance with with the fair credit reporting act XXXX account : XXXX, has violated my rights In accordance with with the fair credit reporting act XXXX account : XXXX XXXX XXXX, has violated my rights In accordance with with the fair credit reporting act XXXX account : XXXX XXXX XXXX, has violated my rights In accordance with with the fair credit reporting act XXXX account : XXXX XXXX, has violated my rights 15 u.s.c 1681 section 602 A, states I have the right to privacy 15 u.s.c 1681section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Two unauthorized hard inquiries from Bank of America ( BOA ) shown in my credit report of XXXX on XX/XX/2022 and XX/XX/2022. I placed the fraud alert immediately on XX/XX/XXXX and filed an identity theft report through FTC. Then, BOA sent me a written letter around XX/XX/XXXX, informing me that they are working on my credit card application, which I have never applied for. I contacted BOA immediately about this but they have no idea what is going on. 
For the unauthorized hard inquiries in XXXX, it had been resolved through XXXX. However, Bank of America never gave me an update even though they promised me that they would investigate this issue. For the XXXX XXXX, I have filed a dispute through XXXX but have not been able to contact BOA because it takes at least 20-30 minutes to put through the call with a real representative.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I have filed a Police Report with the XXXX Police Department and Submitted the Police Report via Certified mail to all 3 bureaus XXXX, XXXX, Equifax. Requesting to delete all fraudulent accounts written on the police report and FTC report submitted XX/XX/XXXX. They have not deleted the accounts. 
I respectfully request the help and assistance of the CFPB to assist me in removing these negative fraudulent accounts from my consumer report as per 15.USC 1681 E. XXXX XXXX VIOLATING MY RIGHT TO PRIVACY BY REPORTING INCORRECT INFORMATION ON MY CONSUMER REPORT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Santander Consumer USA Holdings Inc.
State: MI

Complaint narrative:
On XX/XX/2022, I sent CHRYSLER CAP a notice of unauthorized inquiry that has caused damage to my credit file. By law CHRYSLER CAP had 10 days to respond to my notice showing proof they were given written consent by me to access my credit file which they have not. They are now in default and are continuing to violate my right to privacy as well as my federally protected rights as a consumer. I do not give CHRYSLER CAP any consent to access my credit for any reason. I have also filed an identity theft report for their unlawful behavior

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: GA

Complaint narrative:
XX/XX/2022 .I sent a letter to the courthouse asking do they report bankruptcies to the credit bureau and I got a letter stating that " They do not report any bankruptcies to anybody.So if that's the case.How did the credit bureau add my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681 section 603 ( 3 ) States ; The term " investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge conceming any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
They also violated my rights numerous times. 
The credit bureaus violated my given rights under 15 USC 1881. 

According to 15 USC 1681 section 602 A. States I have the right to privacy According to 15.11.5.0.1681 Section A Section 2 also states..comodi.ac. can not fumisha account without a Uten instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Arena Investors, LP
State: NY

Complaint narrative:
I started to receive magazine subscription invoices, one after the other starting with a billing date of XX/XX/2022. The 1st was for XXXX XXXX XXXX for {$15.00}. It was sent to a " XXXX XXXX XXXX at my address. I have never heard of this magazine and never subscribed to this. I contacted the company and told them I never subscribed to this magazine. I received another for XXXX XXXX for {$69.00} due XX/XX/2022, XX/XX/2022, XX/XX/2022 and monthly with past due statements.. I got an invoice for XXXX XXXX XXXX for {$29.00} and another invoice for {$29.00} due XX/XX/2022 and monthly. I got another invoice for XXXX 's XXXX XXXX for {$35.00} monthly. I got another invoice from XXXX XXXX for {$12.00} with a due date of XX/XX/2022, XX/XX/2022 and XX/XX/2022 and monthly with past due thereafter. I got another invoice for " XXXX XXXX '' The XXXX XXXX ( I never heard of this ) for {$40.00} due XX/XX/2022, XX/XX/2022, and monthly XX/XX/2022 which states that I ordered XXXX and XXXX XXXX. I got another invoice for XXXX 's XXXX for {$19.00} due XX/XX/2022. 
Note, I do not read these magazine. I never subscribed to any of these magazines. Some were sent to " XXXX XXXX '' and some referenced an old address of mine. I believe that this is a scam to collect money. This is fraudulent and possibly identity theft. 
Today XX/XX/2022, I received XXXX XXXX XXXX XXXX debt collection bill for {$29.00} to collect a debt for XXXX XXXX XXXX which may be related to these magazine invoices. I am disputing this debt by mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am reaching out to The Consumer Financial Protection Bureau to inform you that there was fallacious reporting of late payment on my credit report for XXXX XXXX XXXX ( account number : XXXX XXXX XXXX ), late payment were reported for the month of XX/XX/2022. After multiple times respectfully requesting to remove inaccurate information from my credit report, and sending proofs of not being late on my payments, I requested a letter from XXXX XXXX XXXX stating that I was not late, and the original creditor took full responsibility for the late reporting and corrected their internal data base to reflect no such late reporting after submitting the proofs for disputing violation from credit bureaus reporting false information, I received a letter from the credit bureaus describing that the late payment was verified with the creditor, this is 100 % a false statement because, I have a recorded phone conversation with XXXX XXXX XXXX where representative after checking my statement by voice confirming that I have never been late in payments. Please see attached with the reversal of the late in the statement. I trust that you will give this matter your undivided attention,. I am currently in the process of obtaining a mortgage and this late reporting is preventing me from getting a mortgage. 

Violations codes According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. It is also my understanding that Under the FCRA 15 U.5.C. 5 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 
The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST 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 non-monetary relief
Consumer complaint received 2022-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am reaching out to The Consumer Financial Protection Bureau to inform you that there was fallacious reporting of late payment on my credit report for XXXX XXXX XXXX  ( account number : XXXX XXXX XXXX ), late payment were reported for the month of XX/XX/2022. After multiple times respectfully requesting to remove inaccurate information from my credit report, and sending proofs of not being late on my payments, I requested a letter from XXXX XXXX XXXX stating that I was not late, and the original creditor took full responsibility for the late reporting and corrected their internal data base to reflect no such late reporting after submitting the proofs for disputing violation from credit bureaus reporting false information, I received a letter from the credit bureaus describing that the late payment was verified with the creditor, this is 100 % a false statement because, I have a recorded phone conversation with XXXX XXXX XXXX, where representative after checking my statement by voice confirming that I have never been late in payments. Please see attached with the reversal of the late in the statement. I trust that you will give this matter your undivided attention,. I am currently in the process of obtaining a mortgage and this late reporting is preventing me from getting a mortgage. 

Violations codes According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. It is also my understanding that Under the FCRA 15 U.5.C. 5 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 
The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
This complaint is a formal notice that you are reporting Late Payments that are Billing Errors pursuant to 15 U.S. Code 1666 ( b ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Google Compare Credit Cards Inc.
State: CA

Complaint narrative:
Google Pay lost my balance. I was trying to transfer money out and now it's gone. 

I logged in to try to transfer money out. There's no way to do that apparent in the web app ( they probably moved it to the mobile app only, google loves doing XXXX like that to " nudge '' you into doing what they want. What's a forceful nudge called again? ). There is, however, an option to close the account. That flow obviously would lead to " you have a balance where shall we send the check '' Nope. It just dumped me on a support page. The help page says in order to transfer money out I have to reactivate the account and download the mobile app. 
Doing so just opens a new, empty account. Balance is currently missing. 

When contacted, their support refuses to acknowledge that funds are missing, refuses to acknowledge that something might have gone wrong, refuses to escalate ( I asked five times ). 

After five requests maybe a supervisor will get back to me. I requested confirmation that the case would shift to email but they couldn't or wouldn't provide that. They ( Google Pay ) shouldn't be allowed to operate a payment service. They're clearly not trustworthy enough to do good faith accounting. They clearly can not staff adequately to research or resolve problems. You kinda have to do that if you're taking deposits. 

I have zero confidence that they're operating in good faith. 
I have zero expectation that my balance will ever be recovered.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX has violated my rights. They are being represented as the debt buyer on my credit report and they are not the original creditor. Because of this, this agency can not assign me a monthly due date, nor report the balance as past due if we do not have a contracted agreement. In addition, the date last active is inaccurate and the date last reported is inaccurate.

15 U.S.C 1681 Section 602 ( a ) : States I have the right to privacy 15 U.S.C 1681b Section 604 ( a ) Section 2 : States a consumer reporting agency can not furnish an account without my written instructions and has used my credit report without permissible purpose.

15 USC 1692D ( 4 ) The advertisement for sale of any debt to coerce payment of the debt is a violation. 

In addition, New York has placed a statue of limitations law under the Consumer Credit Fairness Act of three years. I am also not liable for this debt with XXXX XXXX and do not have a contract with them. XXXX XXXX did not provide me with the original application like I asked. Also, the name who the debt belong to is not my name.

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