vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-05 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: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
Ive filed a dispute in regards to the incorrect items on my Credit report it has been well over 30 days and I havent received any investigation results

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Dovenmuehle Mortgage, Inc.
State: CA

Complaint narrative:
Regarding about previous complaint and response from mortgage company. We did not agree because we live in XXXX XXXX County and our house locate in XXXX XXXX County. However, mortgage company pay the property tax to different county which is XXXX XXXX County, they have serious violate rule and regulation to identity APN number and correct county for borrower. At fault, they have to demand the money back from XXXX XXXX county and return to us. We dont have any house or owe the XXXX XXXX County balance. We did not agree with their response

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 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: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
Ive filed a dispute in regards to the incorrect items on my Credit report it has been well over 30 days and I havent received any investigation results

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: OPORTUN FINANCIAL CORPORATION
State: CA

Complaint narrative:
I applied for a car and I was told by the person I was in collections. For {$1400.00}. 
Ive recently been released from prison after 10 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I was looking through my report and noticed there are some addresses that don't belong to me, along with the phone numbers below : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH 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 2020-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I was looking through my report and noticed there are some addresses that don't belong to me, along with the phone numbers below : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There are 8 late payments on my credit from XXXX XXXX XXXX regarding my payments. I ask for payments extension becouse i have a family emergencies and I have to pay other loans so they dont go to collection. Some payments there were revarse of froud in bank. The payments are from XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. Please help me fix this errors from my credit reports and have XXXX XXXX XXXX correct this mistakes. My name is XXXX XXXX account number 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 2020-11-05 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: CA

Complaint narrative:
There are 8 late payments on my credit from XXXX XXXX XXXX regarding my payments. I ask for payments extension becouse i have a family emergencies and I have to pay other loans so they dont go to collection. Some payments there were revarse of froud in bank. The payments are from XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. Please help me fix this errors from my credit reports and have XXXX XXXX XXXX correct this mistakes. My name is XXXX XXXX account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 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: CA

Complaint narrative:
There are 8 late payments on my credit from XXXX XXXX XXXX regarding my payments. I ask for payments extension becouse i have a family emergencies and I have to pay other loans so they dont go to collection. Some payments there were revarse of froud in bank. The payments are from XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. Please help me fix this errors from my credit reports and have XXXX XXXX XXXX correct this mistakes. My name is XXXX XXXX account number 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 2020-11-05 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: DISCOVER BANK
State: NC

Complaint narrative:
Ive filed a dispute in regards to the incorrect items on my Credit report it has been well over 30 days and I havent received any investigation results

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Ive filed a dispute in regards to the incorrect items on my Credit report it has been well over 30 days and I havent received any investigation results

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Pro Com Services of Illinois, Inc.
State: IL

Complaint narrative:
My Health Care provider XXXX XXXX XXXX treated me on XX/XX/XXXX, included medical care and drugs total cost {$300.00}. My XXXX pays first, it paid {$120.00}. My XX/XX/XXXX ( XX/XX/XXXX ) pays second, it paid {$40.00} and XX/XX/XXXX Explanation of Benefits ( EOB ) showed me their payments to my Provider - XXXX XXXX XXXX - noting " You Owe the Provider {$0.00} ''. 

On or about XX/XX/XXXX by way of unsigned - Written Letter, XXXX XXXX XXXX XXXX IXX/XX/XXXX XXXX XXXX sent me a bill RE : Account NO : XXXX XXXX Clinic {$1700.00}. 

After examining this itemized statement regarding treatment on XX/XX/XXXX, comparing my XXXX Summary Notices and XX/XX/XXXX EOBs balances are $ XXXX as in this example. See all relative ATTACHMENTs to this complaint regarding XX/XX/XXXXservice. 

I can't not explain why my Provider tells collection agency I owe money in this XX/XX/XXXX example? Collection agency shows harmful/bad information on my credit report?

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 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: CA

Complaint narrative:
The credit is not following the law. I sent out several dispute letter in regards to my credit concerns.. XXXX and XX/XX/XXXX removed the items off my credit report but Transunion fell to comply with the law.. Please help me with getting these concerns removed from my credit report 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 2020-11-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Best Buy credit card is under my Social Security number XXXX XXXX XXXX finally tried to cancel it to no avail when I realized that they failed to post an {$1100.00} payment to the account and piled ridiculous fees continually. They also lied to me about freezing my account for XXXX months during covid so I lost track of being responsible. In return I believe the ridiculous balance should simply be forgiven off my credit so I can buy things.

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 2020-11-05 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Company Portfolio Recovery Associates Llc as of XXXX XXXX, 2020 is inaccurately and fraudulently reporting information on my credit report that I've requested to be removed immediately. I've attached legal proceeding documents that show this company does not have the right to continuously to report fraudulent activity, as to the case in its entirety has been dismissed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have sent numerous letters to XX/XX/XXXX regarding an alleged bankruptcy that appears on my credit that On XX/XX/2020, XX/XX/2020, and on XX/XX/2020, I sent them letters requesting them where did you get the information that they are reporting on my credit profile regarding an alleged bankruptcy that appears on my credit report. They claim it was verified but they have not provided any evidence of that " alleged verification ''. I have security freezes with companies like. XXXX, XXXX, XXXX, and XXXX just to name a few so there is no way of Equifax being able to say that they received information from any of these mentioned companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 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: Central Portfolio Control Inc.
State: AR

Complaint narrative:
1. Central Portfolio Control Inc. has twice violated law by not providing evidence of a material response and opportunity to validate my debt before reporting it to credit bureaus. No response in previous complaint filed here in a response to my previous disputes and screenshots submitted on XX/XX/XXXX in response to their XX/XX/XXXX letter. No response was provided within 30 days, and did not respond within 5 days of their investigation. They did not respond at all and only responded in this portal on XXXX. In a call on XXXX they did not deny receiving the responses in XXXX, but rather explained the DEBT HAD BEEN SENT TO THE CREDIT BUREAUS BEFORE THE DISPUTE LETTER WAS SENT TO ME AND THE REASON WHY IM SEEING IT NOW IS BECAUSE THEY TOOK SO LONG, and my response does not stop their ability to file the debt -- -not responding to the letters were not addressed, and I again note not provided in the XX/XX/XXXX complaint here in consumer finance.

2. Central Portfolio Inc. did not provide material evidence of a valid debt from an original medical facility. They provided a claim from an insurance company and some sort of payment information to another party. Neither of whom provided a medical service with no identifying information from a facility. Nor information of my signature receiving services from facility. In an XXXX phone call another facility other than who was provided was named and they were unable to provide a contact name or phone number to track the debt. They screened for identifying information they did not have and aggressively attempted to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 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:
On XX/XX/XXXX, I submitted a written dispute letter to Transunion to dispute items on my credit report. I have not received a response and they have NOT provided me with a copy of ANY original documentation after several attempts.

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 2020-11-05 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: CA

Complaint narrative:
I went to apply for a mortgage to buy a house for me and my daughter and was denied because of negative accounts on my credit profile. After reviewing my credit report I found that someone has been using my name to obtain credit. None of the accounts listed in my identity theft report belong to me. This is extremely frustrating as I am trying to buy my first home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 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: FL

Complaint narrative:
Hello, I am aware I got behind on this account but I thought that the agreement was it would show I was up to date when I started making payments on it again 2 years ago. This was due to overzealous collection employees.Instead is shows that I was always 60 days late while making my payments. Please delete the payment history from my record as it doesnt reflect what I thought was the agreement. I would be happy with that resolution. This account is paid in full.

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 2020-11-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I went to apply for a mortgage to buy a house for me and my daughter and was denied because of negative accounts on my credit profile. After reviewing my credit report I found that someone has been using my name to obtain credit. None of the accounts listed in my identity theft report belong to me. This is extremely frustrating as I am trying to buy my first home.

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 2020-11-05 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: CA

Complaint narrative:
I went to apply for a mortgage to buy a house for me and my daughter and was denied because of negative accounts on my credit profile. After reviewing my credit report I found that someone has been using my name to obtain credit. None of the accounts listed in my identity theft report belong to me. This is extremely frustrating as I am trying to buy my first home.

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 2020-11-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I booked round trip international flights with my Citi XXXX  points on XX/XX/XXXX on Citi 's website ( XXXX ) for two passengers, using 102,100 XXXX  points in total. The flight was later cancelled by airlines due to covid. I waited till XX/XX/XXXX but still didn't received my points refunded back, or any communications regarding this. So I called their custom services on XX/XX/XXXX and they said they initiated refund and expected 20 days to arrive to my account. But I didn't receive anything since then. I called them again on XX/XX/XXXX, and was told the previous refund didn't go through and they had to initiate another refund, and it would take one or two billing cycles to go through. Now it's already XX/XX/XXXX, but I am still waiting for their refund.

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 2020-11-05 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: World Omni Financial Corp.
State: FL

Complaint narrative:
I talked to the collections department about this account which they told me I would be up to date. I made payments and was reported every month after as past due. I would like the payment history deleted on this account as it is not true due to what I was told. My customer service was excellent from this company and I would like them to stop reporting the payment history which I feel would make me whole due to our conversations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 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: TX

Complaint narrative:
On XX/XX/XXXX, I submitted a written dispute letter to Experian to dispute items on my credit report. I have not received a response and they have NOT provided me with a copy of ANY original documentation after several attempts.

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 2020-11-05 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: SUNRISE CREDIT SERVICES, INC
State: NJ

Complaint narrative:
Hello on XXXX i sent out letters to each credit bureau to remove accounts and addresses that was listed on my report and they have failed to reply in 30 days

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 2020-11-05 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: IL

Complaint narrative:
I submitted several disputes concerning my credit.. The bureaus not complying or following with the law.. They have not gave me my results or investigation results.. I have sent out letters in the concern of my credit issues.. They have not as of yet resolved my matters at hand.. I will like help in getting the matters of credit concern deleted immediately do to the fact that they have not complied or show proof of my investigations..

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 2020-11-05 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: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
Hello on XXXX i sent out letters to each credit bureau to remove accounts and addresses that was listed on my report and they have failed to reply in 30 days

Company response to consumer: Closed with non-monetary relief