vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-07 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: NC

Complaint narrative:
Hello my name is XXXX XXXX. 

I submitted disputes over 40 days with no response from the credit agencies. 
listed below is the accounts i disputed with no response. 

Credit Bureau-XX/XX/XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX | XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Mailed on XX/XX/XXXX | XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 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: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
I am serious about the applicability and reliability in the recent study along with the missed payments pertaining to American Honda Financial with account number XX/XX/XXXX and exactly how it is reporting on my credit report as late. With Section 1681 ( g ) I highly recommend them to generate me personally with a detailed description of the procedure designed to verify the account is " accurate '' but no information received. I had also requested the actual proof, physical firsthand documentation of the payment history but I did not receive what I asked and these violations persist on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
On XX/XX/XXXX, I transferred {$77.00} to my paypal direct deposit account from XX/XX/XXXX. The transfer says complete but I never received it. I've contacted cash app and they said they will handle it. A month later they claim the issue is resolved because paypal sent them {$77.00} to give to me but all paypal did was remove the money from my balance and send it to cash app. The missing deposit was never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have submitted a complaint with XXXX XXXX XXXX to dispute a debt they say I owe them. In response from another company XXXX XXXX XXXX XXXX they tried to explain to me why I must pay them. They provided me a notification of a debt letter from another company. How should I dispute the validity of a debt if the company that I must call is not XXXX XXXX XXXX? I received no notification from XXXX that I must dispute validation with them. They violated the Fair Debt Collection Practices Act and I demand you to delete that account from my credit reports.

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 2021-04-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Please remove this unidentifiable collection : debt collection Dept of 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 2021-04-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: MA

Complaint narrative:
XXXX : XXXX XXXX XXXX " No SSN or Hard Credit Pull Required Typically for Pre-Qualification* '' on its website, but then did a hard credit pull without my authorization. I never gave them my SS # or my wife 's, in fact I do not even know her SS #, yet they seemed to have them on file already from a prior mortgage application ( with a different bank ), and used them to do a hard inquiry on both of our credit histories without our consent.

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 2021-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Creditors Specialty Service Inc
State: PA

Complaint narrative:
Collector has called me and my family multiple times between XX/XX/XXXX and XX/XX/XXXX to attempt to collect {$840.00} for their client or their client was going to sue me for over {$2000.00}. 

This is stemming from a supposed auto withdraw I had set up with their client for {$60.00} every other week. They claim that last time they received a payment was XXXX. There has been no communication with me previous to this recent call barrage about owing this debt. They would not give me any details about the debt except the parent company 's name. The only arrangement I had like this was not with this company and satisfied some years ago. I also called the company, that I had this sort of arrangement with, on XXXX to validate that I owed nothing. 

When speaking with them today, I told them they either had the wrong person or this was just bogus. The representative I spoke with gave me the last 4 digits of my SS # but I would not validate that so she disconnected the call.

Company response to consumer: Untimely response
Consumer complaint received 2021-04-07 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: TN

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/2021, XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I was labeled DEAD in three Bank of America accounts, XXXX XXXX XXXX  I am not DEAD!

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 monetary relief
Consumer complaint received 2021-04-07 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: TX

Complaint narrative:
FCRA violations : not mine XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I didnt do any credit inquiry with Capital One Auto for any auto loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 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: LOBEL FINANCIAL CORPORATION
State: FL

Complaint narrative:
i didnt do credit inquiries with this companies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax wont allow me to file a dispute online or answer any phone calls. Inaccurate reporting on account affecting home purchase. Contacted company that has account on report stated they contacted Equifax but Equifax didn't remove said account. Problem is with Equifax and their failure to keep up with proper reporting.. Account info. 

XXXX XXXX finance XXXX {$2500.00} Account closed and should be removed, was in Chapter XXXX bankruptcy that XXXX XX/XX/XXXX. 

XXXX XXXX bank inquiry removed-bankruptcy chapter XXXX XX/XX/XXXX Bankruptcy that was-dismissed wish those to be removed. Reference number XXXX Date file XX/XX/XXXX Equifax does not respond to written disputes, nor can you file electronically. Equifax phone number dosconnects when you choose any options.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: POPULAR BANK
State: NY

Complaint narrative:
On XX/XX/21, I received a phone call from Popular Bank employee XXXX XXXX that my external account could not be processed because I needed additional documents to prove my identity. Ms. XXXX requested that I email the documents to Popular Bank employee XXXX XXXX which I did. On XX/XX/21, Ms. XXXX sent a confirmation that she received my documents and that my external account would be operational on XX/XX/21. At the end of the day on XX/XX/21 I get an email that no documents were sent and that my account was frozen. On XX/XX/21, I call customer service who tried to contact both XXXX XXXX and XXXX XXXX but neither were working. I was then again instructed to send my documents to Ms. XXXX but was also informed that she has to forward my documents to the " correct '' department and that this process will take another 3 days. This means an entire week with no access to my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 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: Credit Plus Inc
State: FL

Complaint narrative:
I didnt do any credit inquiry with XXXX XXXX XXXX for any auto loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 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: DriveTime
State: FL

Complaint narrative:
I didnt do any credit inquiry with XXXX XXXX XXXX for any auto loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: LendKey Technologies, Inc.
State: GA

Complaint narrative:
On XX/XX/2021, I filed a complaint that LendKey had not applied my XX/XX/2021 payment on that date but instead applied my payment 27 DAYS LATER on XX/XX/2021. On XX/XX/2021, LendKey responded to that complaint stating they had updated the payment date to reflect XX/XX/2021 and also applied the corresponding interest adjustments according to the earlier posting date. They also stated they would review the loan post-processing to verify the adjustments processed correctly. As of XX/XX/2021, NONE of these adjustments have been corrected. The INCORRECT payment date of XX/XX/2021 still remains, and no interest adjustments have been made.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-07 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: NC

Complaint narrative:
Hello my name is XXXX XXXX. 

I submitted disputes over 40 days with no response from the credit agencies. 
listed below is the accounts i disputed with no response. 

Credit Bureau-XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XXXX XXXX | XX/XX/XXXX, XXXX XXXX  XXXX XXXX | XXXXN/A, N/A, NXXXXA XXXX, XXXX Credit Bureau-XXXX-XXXX  XXXX XXXX XXXX Mailed on XX/XX/XXXX | XXXX, XXXX Credit Bureau-EFX-BENMYNATT XXXX XX/XX/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 2021-04-07 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: Consumer Portfolio Services, Inc.
State: FL

Complaint narrative:
i didnt do credit inquiries with this companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 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: MARINER FINANCE, LLC
State: FL

Complaint narrative:
MARINER FINANCE LLC has been in violation of the FCRA over a course of years. There is no more room for negotiation if they do not remove the false information. I will seek litigation against MARINER FINANCE LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
This is a secondary complaint to # XXXX that was somehow closed before the problem was actually resolved. ( Freedom Mortgage failed to show up for the scheduled closing on XX/XX/XXXX. ) Freedom Mortgage again failed to show up for the rescheduled closing on XX/XX/2021, at XXXX XXXX EDT. Now we will have make yet another payment on the current loan while we await Freedom Mortgage 's response. This is absolutely no way to treat a military family.

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 2021-04-07 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Vermont Student Assistance Corporation
State: MA

Complaint narrative:
I have been really struggling with Vermont Student Assistance Corporation on having my payments be accurately applied across my series of loans. Between the second half of XXXX and early XXXX, I made several payments to try to bring my balances down. Even though the previous month " statement dates '' had already passed by, they applied these payments towards a previous month, and towards just one loan - they did not count towards my XX/XX/XXXX due date. Effectively they just went towards principal and interest without effecting my monthly payment amount. I was able to have them re-apply the loans for that month luckily. 

Now, it is XXXX. I made a {$200.00} payment on XX/XX/XXXX. My typical amount due per month is {$470.00} and it is typically due on the XXXX of every month. The payment was deducted from my bank account on XX/XX/XXXX. When i log in to VSAC 's web portal, i am told that i still have {$470.00} due. The {$200.00} payment shows as having been made in a seperate section - but to what? How do i know which loan series it was applied to, and how do i know what VSAC expects as the remainder of my monthly payment now? Short answer : I don't. 

I have emailed and called them and have received two different amounts that will be due on XX/XX/XXXX. One representative told me i have credits this month of {$390.00}, meaning i have just about {$80.00} left to pay by XX/XX/XXXX ( i have this in writing ). That's extremely confusing to me because i know only {$200.00} has been paid. I do not know where the other balance paid is coming from. A different representative told me on the phone that I have {$270.00} left to pay ( which is what i would expect, as XXXX XXXX. 

All of this while their website still says i have to pay {$470.00} by the 14th. 

Every other time i make a payment towards a debt from another institution, if it's not the full amount for the month it will reflect in the online account how much i need to pay to satisfy the monthly payment requirement. I am so utterly confused as to how VSAC applies my payments. I have no idea what i need to pay to avoid being late or entering default now. VSAC representatives are utterly unhelpful and appear to not know what is going on, either.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 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: OH

Complaint narrative:
I have submitted a complaint with XXXX XXXX XXXX to dispute a debt they say I owe them. In response from another company XXXX XXXX XXXX XXXX they tried to explain to me why I must pay them. They provided me a notification of a debt letter from another company. How should I dispute the validity of a debt if the company that I must call is not XXXX XXXX XXXX? I received no notification from XXXX that I must dispute validation with them. They violated the Fair Debt Collection Practices Act and I demand you to delete that account from my credit reports.

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 2021-04-07 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: OH

Complaint narrative:
I have submitted a complaint with XXXX XXXX XXXX to dispute a debt they say I owe them. In response from another company XXXX XXXX XXXX XXXX they tried to explain to me why I must pay them. They provided me a notification of a debt letter from another company. How should I dispute the validity of a debt if the company that I must call is not XXXX XXXX XXXX? I received no notification from XXXX that I must dispute validation with them. They violated the Fair Debt Collection Practices Act and I demand you to delete that account from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
An account XXXX is reporting inaccurately by Transunion on my credit report. It is showing as an open account however it is in Collection/Charge off status. Transunion continues to toggle the account back and forth between reporting as opened and closed. The last payment date is incorrect and it is still reporting late payments among other inaccuracies. I have disputed this inaccurate account multiple times over the past few months in writing and over the phone and Transunion has refused to report accurately. My consumer rights are being violated. I have detailed records of all my disputes which I have sent certified mail.

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 2021-04-07 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: EQUIFAX, INC.
State: LA

Complaint narrative:
Equifax ; XXXX XXXX XXXX XXXXre reporting incorrectly that I am ( 90-120 ) days late on the XXXX XXXX AUTO partial account number XXXX. ( Please see page attached from my credit report. I have also attached a copy of my drivers license for identification purposes. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. Also, Equifax XXXX XXXX XXXX XXXX  are reporting this account as not in dispute. This account is 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