vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-09 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
The following hard inquiries are not linked to a live account and I did not authorize the inquiries need them removed immediately. 
Consumer XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Ar XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX ( Duplicated twice ) XXXX and XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX  Mortage Service XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XX/XX/XXXX to XXXX and XXXX and XXXX and XXXX ( did not authorize any inquiries ). Just abusing reporting without authorization

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 2021-04-09 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: TX

Complaint narrative:
XXXX XXXX accessed my credit report on XX/XX/2017 without permissible permission which then led to a fraudulent loan. Attached is the incomplete application that XXXX XXXX XXXX XXXX sent me. It was completed on XX/XX/2017, one day after credit was pulled. In addition, the application was incomplete and as stated at top of application was not to be processed. The person, XXXX XXXX aka XXXX XXXX is listed on application and is a known felon. See attached convictions and felony arrests that include forgery to purchase cars, false pretenses, impersonation, and credit card abuse. She was also stealing out of my rural mailbox. Together Credit Union financed one car but dropped their claim due to fraud long ago. XXXX XXXX credit report reflected XXXX and the application they sent was dated XXXX However XXXX XXXX XXXX XXXX refuses to drop claim and requests information should have been stated on sheriff 's report that makes it impossible.

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 2021-04-09 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NOVAD Management Consulting, LLC
State: TX

Complaint narrative:
Service Contractor NOVAD has refused to send me information about my partial claim. Im trying to make installment payment towards my partial claim ; however, NOVAD refuses to get in contact with or provide me with any information to consolidate my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Southwest Business Corporation
State: TN

Complaint narrative:
This is partly the same as the complaint I submitted for my other lender, which is under complaint # XXXX. This one has fewer attachments. SWBC 's involvement is described best in the attached motion for remand in paragraphs numbered 1-8. 

I have initiated a legal complaint with my former lenders ( SWBC Mortgage Corp. and XXXX XXXX XXXX, XXXX ), which are case # XXXX at XXXX XXXX XXXX XXXX XXXX ( inactive - removed to federal court ) and Case # XXXX with the XXXX XXXX XXXX XXXX XXXX Tennessee XXXX XXXX ( active ). I've intended on reporting both lenders for some time, but my health just wasn't in a place that let me do so. 

The essence of my complaint includes a minimum of T.C.A. violations, fraud, and breach of contract. 

I say a minimum of the above, because these are the only ones that I know I can prove. I'm attaching the amended complaint, which is super long, and the motion to remand, which has a summation in paragraphs numbered 1-8. I'm attaching the exhibits associated with these paragraphs. Please feel free to reach out to me for others. I can email them to you. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I was notified by my credit repair lawyers that I had activities on my credit report that I did not recognize. First a car repossession, Medical bills I did not recognize, and a credit card or loan. The only time I was in a hospital was in 2017 after my car accident and for an XXXX. I was hospitalized with an XXXX for a week. I was notified on Monday about these changes and couldnt fathom how my credit was tampered with while I was in the middle of credit recovery and boosting up.

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 2021-04-09 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: Io, Inc.
State: VA

Complaint narrative:
I am filling this CFPB complaint against RECEIVABLE MANAGEMENT since I am unable to get the expected result for the multiple disputes I am sending to them. I made sure to send another letter directly to RECEIVABLE MANAGEMENT regarding my dispute but I also wanted to make sure that my concern will be solved once and for all. The concerned account is REC MGM SYS ( Original Creditor : PATIENT FIRST ) XXXX This account started to show in my credit file in XX/XX/XXXX and I have been disputing this account ever since. But after a few attemps, this was removed from my XXXX and XXXX credit report. Now that this account is only reporting in XXXX  and I don't know how they continue to report this account as verified. 
1. The initial balance reporting for this account is {$920.00} but after this has been removed to 2 credit bureaus the balance was changed to {$300.00}. The balance being reported is completely different. This is from the same company and account number so how can the balance be changed if you are claiming the account as verified as accurate? 
2. From the initial report ( XX/XX/XXXX ) the balance was {$920.00} but the high credit in the report is only {$390.00}. I need to know charges or interest added by RECEIVABLE MANAGEMENT for this account to end up to the balance of {$920.00}. 
3. This account is reporting as fully verified then how did the balance change to {$300.00} on the recent credit report? No date of last payment reported in this account so please verify and validate why the balance that ends up now is {$300.00}?

4. This account was acclaimed by RECEIVABLE MANAGEMENT in XX/XX/XXXXand I know that this debt is completely older than that. This account is outdated therefore should be removed from my credit report due to the statute of limitations. 
I am attaching the screenshot of how this account is reporting in my credit report and how they continue to report this despite all the inaccuracies. RECEIVABLE MANAGEMENT and its continued report in XXXX is a big mistake. And I need it to stop. This is an inaccurate and invalid collection account that has been giving me a hard time improving my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: TX

Complaint narrative:
In XX/XX/XXXX, I was laid off from my job due to the company closing. I immediately attempted to find a new job and had difficulty in doing so. I continued making regular mortgage payments using my severance and unemployment. In XXXX of XXXX the Covid pandemic hit, therefore making it even more difficult in gaining employment. My loan was currently being serviced by XXXX XXXX. I contacted them in XX/XX/XXXX explaining the hardship I was enduring and they placed me on a Forbearance. On XX/XX/XXXX, I gained regular employment again. In XXXX, after receiving my 1st paycheck, I applied for Loss Mitigation assistance stating I had regained employment and was able to make my payments again, but needed assistance in bringing my loan current. In XXXX, XXXX responded with " Congratulations, you have been approved for a loan modification. you just need to make 3 trial payments for XXXX, XXXX and XXXX. '' They said they would be sending me the trial plan, to which I still to date have not received, after numerous requests. I made the 2 trial payments - XXXX, XXXX and XXXX XXXX then transferred my loan to LoanCare for subservicing on XX/XX/XXXX. I called LoanCare in XXXX and they told me they did not have all my documents, but could see I was in Loss Mitigation. I explained I had submitted all the trial payments and again requested the documentation be sent to me regarding all Loss Mit on my account. The lady I spoke with told me to keep sending my trial payment, so I continued to make my payments at the trial amount. In XXXX, I contacted LoanCare again to ask what was going on with my Loan Mod, again I was told they had not received all the documents from XXXX and therefore could not proceed forward. I was told it took 60 days to obtain all documents once a loan was transferred and to continue to make my trial payment. I did continue to make my trial payment. On XXXX, I contacted LoanCare again, to which the customer service basically told me I was denied, they were reporting delinquency to the Credit Bureau and that if I wanted any mod, I would need to start the process all over. They returned the payment I had just made on XX/XX/XXXX and she stated I didn't satisfactorily complete my trial. I have filled out and started the process all over again to ensure I avoid foreclosure. I would like for my credit reporting to be corrected as I should have never been denied in the first place. I would like for my account to be re-reviewed and the original loan mod that was to have taken place to begin in XX/XX/XXXX to be reinstated. A customer should not have to suffer due to lack of efficiencies from one company to another on a servicing transfer.

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 2021-04-09 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Westlake Services, LLC
State: IL

Complaint narrative:
Westlake Financial is reporting this account inaccurately with all ( 3 ) bureaus XXXX XXXX, XXXX  and XXXX. This account is XXXX XXXX XXXX XXXX XX/XX/2018, XXXX XX/XX/2018, XXXX  XX/XX/2018. Westlake Financial are currently reporting FALSE REPRESENTATION OF BALANCES $ XXXX, XXXX, 30 DAY LATE PAYMENTS and REMARKS changing. There should NOT be any activity reporting are charge off status. All ( 3 ) bureaus are reporting ( 3 ) different dates of last payment, XXXX XXXX XXXX, XXXX  XXXX and XXXX  XXXX. All ( 3 ) bureaus have different account numbers XXXX XXXX XXXX, XXXX  XXXX and XXXX  XXXX. 

Westlake Financial report : Inaccurate Information Misrepresent Balance Fail to sent Validate of Debt Activity after Charge Off Harassing calls 30+per day Late Payments ( monthly ) Missed Payments ( monthly )

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 2021-04-09 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: CO

Complaint narrative:
Equifax ; XXXX and XXXX  are not investigating the negative accounts reporting on my credit report. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of these accounts and I have never received ANY communication from the bureaus to show that my multiple requests are being looked into. My most recent credit report shows the following accounts as not in dispute, when ALL of these accounts are in dispute. XXXX XXXX - XXXX ; XXXX  XXXX XXXX - XXXX ; XXXX XXXX - XXXX ; XXXX XXXX - XXXX ; XXXX - XXXX ; XXXX XXXX XXXX - XXXX ; XXXX - XXXX ; US DEPT ED - XXXX ; XXXX XXXX XXXX - XXXX ; XXXX XXXX XXXX XXXX ; and XXXX XXXX  - XXXX XXXX These accounts are in fact in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. Again, I have contacted the bureaus multiple times to review these accounts however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 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: Paypal Holdings, Inc

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 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: CO

Complaint narrative:
Equifax ; Experian and Transunion are not investigating the negative accounts reporting on my credit report. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of these accounts and I have never received ANY communication from the bureaus to show that my multiple requests are being looked into. My most recent credit report shows the following accounts as not in dispute, when ALL of these accounts are in dispute. XXXX XXXX - XXXX ; XXXX  XXXX XXXX  - XXXX ; XXXX XXXX - XXXX ; XXXX XXXX - XXXX ; XXXX - XXXX ; XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX ; US DEPT ED - XXXX ; XXXX XXXX XXXX - XXXX ; XXXX XXXX - XXXX ; and XXXX XXXX  - XXXX XXXX These accounts are in fact in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. Again, I have contacted the bureaus multiple times to review these accounts however, I have not been successful.

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 2021-04-09 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Experian Credit Report Changes Addresses added to XXXX Identity theft Money Mule Scheme/ Do not use XXXX  XXXX  needs to stop making changes. 
XXXX and XXXX XXXX are accessing my credit reports-locking and unlocking Experian. 
Deleted addresses, emails, phone numbers from my credit reports. 
Deleted dark web information alert. 

Associates 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 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 2021-04-09 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
I was approved for mortgage forebearance from Bank of America due to covid. They are reporting as in default and late on my credit reporting in violation of regulations. 

Account 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 2021-04-09 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: AL

Complaint narrative:
In XXXX and XXXX of 2021, I filed a dispute with this credit reporting agency about the unverified collections accounts : XXXX  XXXX XXXX Account number XXXX -- XXXX XXXX account # XXXX and XXXX Account number XXXX. I requested a removal of these accounts for 30-days non response which is a violation of the FCRA. In those 2 months I have asked several times for a response and I have not received anything from this bureaus. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about these unverified accounts as of today. Thank you

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 2021-04-09 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: Paypal Holdings, Inc
State: TN

Complaint narrative:
Paypal is act like scam company. 
They close my account with my money inside. 
I try to contact the company many times but they not take my call and they not respond my message. When I try to withdraw my money they blocked me. 
When i try to withdraw money to my bank they reject the transaction for keep stole my I never had any problem before in my account. 
I never had disputed or charged back. 
All the time i respect the polices of the company. 
They close my account without any reason. 
They just want stole my money and this company does not respect the rights of users and is XXXX. 
My email is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: TX

Complaint narrative:
At the beginning of XX/XX/2020 I was contacted by XXXX XXXX XXXX who claimed I owed money to my old apartment complex ( XXXX XXXX XXXX Apartments ). In fact, I had not been contacted by my complex despite them having my cell phone and email address. 
I called the complex and they verified that they had filed with the debt collection agency, and that the security deposit I gave them on move in was not applied to the amount. The security deposit ( I had the option of {$400.00} refundable or {$200.00} non-refundable ) was actually " just a fee '' even though this was not what I was told when I paid it. I was told it was a security deposit and would be applied to any damages on move out. 
The apartment complex claimed that I was responsible for paying for carpet cleaning and general maintenance services however they did not have receipts of such services rendered and did not have this information written into my lease. XXXX XXXX XXXX XXXX intentionally sent a {$220.00} charge to collections ( without using the {$200.00} nonrefundable deposit I gave them ) in order to intimidate me into paying an extra fee, I did not owe, or face a credit score reduction.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
This account has been paid off through a collection agency. XXXX XXXX still has not updated my report and it is damaging my credit report. 


Account Info Account number XXXX Account status. 
Closed Date opened XX/XX/XXXX Account type Unsecured Loan Balance on XX/XX/XXXX Loan Amount {$1300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Valley Credit Service, Inc. (OR)
State: WA

Complaint narrative:
This company has fraudulently reported misinformation to the credit bureaus and it has severely impacted me to the point I may be homeless in a few weeks. Valley Credit Services out of Oregon is the company. They say theyre removing it, but its too late and also they refuse to provide a single but if proof theyre doing this. It is nearly impossible to be the first applicant in WA state. First qualified applicant has to be chosen for the home, legally. There are 50 applications anytime a home is listed. After three months of trying, I was never first applicant. I was FINALLY the first applicant this week and ready to sign papers until valley credit services in Oregon broke the law and intentionally reported misinformation about me, causing me to lose the home and be in a position where Im about to become homeless. Im suing this company.

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