vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I submitted a complaint back on XX/XX/XXXX on National Credit Adjusters on a collection they are reporting on my Credit Report of which I asked for validation on through Certified Mail on XX/XX/XXXX and it was received according to receipt on XX/XX/XXXX. By XX/XX/XXXX I sent a failure to respond letter because it was past 30 days of no response and that letter was received on XX/XX/XXXX. I still had not gotten the collection removed by XX/XX/XXXX so I filed a complaint with you guys of which National Credit Adjusters still did not removed after receiving my complaint which due to the fact that they had not responded in the time that the Law states then it should have been removed. What they chose to do is upload a statement to my complaint with you guys which is still not validation of the supposed debt owed. All that shows is that there is a balance owed not that I owe the debt, there was not a signed contract or any definitive proof that I owe the debt because I don't. At this point I am filing another complaint because National Credit Adjusters are refusing to remove the debt when they have not followed the laws permitted to me by the FCRA. I have attached what they uploaded to the previous complaint so that you ( CFPB ) can see that they have not proven the debt is owed by me and also so that you can see that they did not respond within the 30 days allowed by law. If I first sent the debt validation letter on XX/XX/XXXX and it was received on XX/XX/XXXX and my complaint was filed with you guys on XX/XX/XXXX that is well over 60 days which by law means they have to remove the collection. Then all they did was reply with a statement on XX/XX/XXXX which is still well over the time allowed by law and they stalled all the way to XXXX and just sent a statement! This account needs to be removed from my credit report immediately National Credit Adjusters is breaking the law and if I have to retain a Lawyer I have the proof to show that they have broken the law. I have all of my certified receipts I have both documents that they sent me the one letter stating it would take longer than 30 days which is a stall tactic and not legal and the statement that they uploaded to your site which is not proof of debt owed and does not validate that I owe it then I will do so at this point. National Credit Adjusters needs to remove this account IMMEDIATELY or I will be forced to take further action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 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: AL

Complaint narrative:
In XXXX and XX/XX/2021, I filed a dispute with this credit bureau about incorrect reporting of address on my credit report : XXXX XXXX XXXX XXXX, AL, XXXX -- XXXX XXXX XXXX, AL, XXXX -- XXXX XXXX XXXX, AL, XXXX. 
. In those 2 months I have asked numerous times for a response into their investigation and I have not received anything in response from this bureau in over 2 months.. 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 errors as of today. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Happy Money, Inc.
State: CA

Complaint narrative:
Hello I was looking for personal loan for some emergency debt relief and to lower my monthly interests on cards. I was pre-approved from Payoff and have submitted all the documents. They ended up rejecting my application because my XXXX XXXX expires in 14 months and loan was for 3 years. All of XXXX XXXX XXXX expires in less than 3 years and then they need to be renewed just few months before expiration. 
I will also have my visa renewed. 
If Payoff needs a permanent residency or citizenship, they should mention that in application. I was said during application that XXXX XXXX XXXX can apply for the loan. 
They are not willing to get any other documents and confirmation for stay.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
I have submitted multiple complaints against XXXX, Equifax and XXXX. This complaint is in response to XXXX and other complaints I have submitted. I XXXX XXXX XXXX am submitting this complaint on my own behalf. I, XXXX XXXX XXXX am the original creditor in all consumer credit transactions that are listed in the debt base system of the aforementioned credit reporting agencies. I XXXX XXXX XXXX am the credit per the Truth In Lending Act found at 15 USC 1602. The information listed on these reports are ALL inaccurate and false and misleading as I, XXXX XXXX XXXX am the original creditor and each company listed is a debt collector per the Fair Debt Collection Practices Act. Per the Fair Credit Reporting Act I submitted written instructions as the consumer and natural person for items to be removed from my credit report. In addition I sent in a certified letter which all companies did not honor the demand of the consumer and are still in violation of my consumer rights. The first violation is the violation of 15USC 1681a ( 2 ) ( b ) as extensions of credit directly or indirectly should be excluded from the consumer report. To further as mentioned I sent in a certified letter pursuant to 15 USC 1681b ( 2 ) stating my rights that were violated by the credit reporting agencies. In addition each company refers to themselves as Credit Reporting bureaus which is false and misleading as the term bureau means the Consumer Financial Protection Bureau. Lastly there were several items deleted from my XXXX credit report that is direct admission of the company violating my consumer rights and for that I am asking the CFPB to enforce the law. For the violations listed the total invoice amount is {$3000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc.
State: FL

Complaint narrative:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
THIS IS NOT BA DUPLICATE COMPLAINT -- ON XX/XX/XXXX I sent a complaint to the company Equifax via CFPB ( complaint number ending in XXXX ) regarding the unauthorized use of reporting and to affirm that I do not owe the alleged debts listed. I demanded removal of all debts and compensation along with written confirmation that it was done. This was all submitted in relation to multiple consumer rights violations under 15USC 1681 and 1692. The company responded on XX/XX/XXXX that they needed additional info. Writer has been unable to contact the company via phone thus far. However, pursuant to 15USC 1692g ( b ) an Affidavit of Truth was mailed on XX/XX/XXXX and within it I requested verification. Per tracking all correspondence was received by agent XX/XX/XXXX @ XXXX and I am aware that pursuant to 15USC 1692c ( 3 ) if notification is made by mail, notification shall be complete upon receipt. Per law pursuant to 15USC 1692g ( a ) ( 4 ) and 15USC 1692g ( a ) ( 5 ) and per my request made in the affidavit the company had 30 days from the receipt to produce a point-by-point affidavit to validate all debts they allowed to be posted on their site. Subsequently, Equifax is now in default and must pay the invoice and remove all alleged remarks/debts listed in the affidavit sent. I am aware that an un-rebutted affidavit stands as truth in commerce. 
So not only was an affidavit never returned to me but ON XX/XX/XXXX the company responded ( ( Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate or incorrect items reporting on your credit file. Please be advised that an investigation with the furnisher of the information was completed and results were mailed to you. We hope this resolves your concerns. If you have any additional questions, you may call XXXX ( XXXX ) or you may visit www.myequifax.com. With myEquifax, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free Equifax credit reports and other products. ) ) As you can see Equifax again, totally failed to respond directly to the complaint. I as the consumer fully understand that a furnisher of information can be MORE THAN ONE entity - so although there may be other reporters- Equifax is ALSO a reporter. Unless Equifax can validate that the information they are reporting is true ; they too are at fault for violating my consumer rights. They also stated that results were mailed to me.I am requesting proof of mailing. I have not received at any point any information regarding my complaint. This is considered falsification and this too is against my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
My current first loan with XXXX XXXX is in prcoess for a refinance. The second loan is held by Suntrust/Truist . The only document holding up my refinance with XXXX XXXX from a 30 year loan to a 15 year loan is a subordination letter from Suntrust/Trust . The closing angecy ( XXXX XXXX XXXX ) and I have been trying since XX/XX/2021 to get the letter issued so that the refinance can be completed. Both parties, XXXX and I have made numerous calls and e-mails with no success. Suntrust/Truist has stated that they have received the formal document for request of a subordination letter, but still no results. 

I am now at the point that I will lose my locked in rate with XXXX XXXX and not be able to close on my refincance loan. This is the last item needed in order to close. I started the refinance process back on XX/XX/2021. Any help would be greatly appreciated to get this letter issued so that I can close on my new loan. 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 non-monetary relief
Consumer complaint received 2021-09-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
I recently purchased a townhome in XXXX. When I went to closing the bank charged me {$6000.00} in what they called points. I had no choice but to close because the movers were waiting for me to close to deliver my goods. 
No one at the mtg Co. Quicken Loans ever divested to me I would have to pay for any points. When I contacted the mtg co they more or less said too bad. 
How can I get my money back? I do not have the financial means to allow this to happen. 
Please help. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 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: NV

Complaint narrative:
To Whom it may Concern, I have attempted multiple time to remove negative marks and the balance posting on my account with XXXX, XXXX and Transunion. XXXX XXXX  has not been responsive to my complaints so I need the credit reporting agencies to fix the inaccuracies based on my supporting documentation. 

XXXX, XXXX and Transunion was contacted multiple times in XX/XX/2020 to the current date through a credit repair agency regarding XXXXXXXX XXXX false reporting on my credit. I have documents showing the inaccurate reporting and ask that these negative marks be removed due based on The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

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 2021-09-20 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: NV

Complaint narrative:
To Whom it may Concern, I have attempted multiple time to remove negative marks and the balance posting on my account with XXXX, Equifax and XXXX. XXXX XXXX has not been responsive to my complaints so I need the credit reporting agencies to fix the inaccuracies based on my supporting documentation. 

XXXX, Equifax and XXXX was contacted multiple times in XX/XX/2020 to the current date through a credit repair agency regarding XXXX XXXX  false reporting on my credit. I have documents showing the inaccurate reporting and ask that these negative marks be removed due based on The Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
On XXXX 2021, I saw a Delta SkyMiles Gold American Express Card offer when I was booking a ticket on XXXX XXXX. 
The page stated " Earn XXXX  bonus miles after you make {$2000.00} in purchases on your new Card within your first 3 months. '' plus " {$200.00} statement credits when made purchase on XXXX. '' I have never had this card and do need to take flights pretty often. So I received this card on XXXX and completed all the requirements for the XXXX  Delta miles and {$200.00} credits in 3 months. However, on XXXX the American Express customer services told me that they have decided to denied the sign up bonus with no reason. 
I was very happy with American Express services in the pass and suddenly felt I was cheated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ACIMA CREDIT, LLC
State: TX

Complaint narrative:
They say on XX/XX/2020 I did not go in no XXXX and get no furniture I'm found this at identity theft with the Federal Trade Commission we need to come to agreement you need to send me a contract show with my proof and signature you got to make sure you got all the information that you were saying with XXXX furniture cuz I do not have no furniture

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 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: PA

Complaint narrative:
These accounts on my consumer report are unauthorized and are not from me. I also wrote XXXX an identity theft report. XXXX said they have recieved my identity theft report and was takkng these false accounts off my consumer report.

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 2021-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and I demand a compensation per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX , XXXX . XXXX XXXX XXXX, FL XXXX XX/XX/XXXX SSN : XXXX PORTFOLIO RECOVERY or XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX Dear Sir or Madam : As of XX/XX/XXXX it is still displayed on all three of my credit report files, XXXX, XXXX & XXXX. I was also notified that I could not use XXXX XXXX, CEO of XXXX XXXX XXXX XXXX on my behalf as my representative to dispute fraudulent alleged accounts. I have Attached several Documents so you can see the discrepancies on my FICO credit report, the items I dispute on the attached copy of the report I received.The information on Portfolio Recovery or known as XXXX XXXX XXXX XXXX XXXX XXXX A Account number XXXX with a balance of {$1400.00} and another alleged account {$200.00} is inaccurate. I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately.

Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate.

This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 

The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 

This rule is effective XX/XX/2021. Please reinvestigate this matter and delete the disputed item as soon as possible. XXXX, XXXX, XXXX, XXXX, XXXX. 

Sincerely, XXXX XXXX, Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 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: TN

Complaint narrative:
I am a veteran who is trying to use my Va Loan XXXX XXXX. XX/XX/XXXX amount XXXX settlepaid in full still show I own them when I do not. They say the report weekly but have not done anything yet. I will also like to get this account deleted. XXXX  XXXX. XX/XX/1991 dollars and XXXX dollarspaid in full for XXXX  XXXX XXXX paid in full would like to get this account deletes XXXX  XXXX. XXXX dollarswould like to get this account deleted paid in full. XXXX XXXX. XXXX dollarswould like to get all this account deleted. These accounts is blocking my way of home ownership with using my va loan. I am asking for this accounts to be deleted off of All three credit bureau Equifax XXXX XXXX credit reports

Company response to consumer: Closed with explanation