vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-16 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: WA

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2021-12-16 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: FL

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against 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 2021-12-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Maximus Federal Services, Inc.
State: MA

Complaint narrative:
There is no way that these companies investigated this student loan. The same information continues to report on my credit. I honestly don't believe I was late and I don't agree with the total balance that they are reporting on my credit. It continues to report several inaccuracies among the XXXX credit reporting agencies from the last student loan company. How is that possible? For example, Each bureau reports that I was late on a different date Also, Hows it possible that youve reported me 90 days late with no late payments prior to that? Wasn't XXXX sued by Cfpb before for not applying payments to consumers accounts correctly?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 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: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
My account was paid in full and never late. For Apple CardXXXX Bank XXXX XXXX XX/XX/ 2020 amount {$770.00} and XX/XX/2020 amount {$780.00} was never late and the status of my account is reporting 60 days late, incorrectly!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 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:
Did not do complete through investigation

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 2021-12-16 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: TX

Complaint narrative:
Did not do complete through investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Millco Management
State: AL

Complaint narrative:
On XXXX XXXX I mailed a certified letter to XXXX disputing an account placed on my credit report. On XXXX XXXX XXXX advised me to contact the grantor Amerifinancial Solutions by mail or phone. On XXXX XXXX I mailed a certified letter asking for validation of the debt to Amerifinancial which they received on XX/XX/2021. Today is XXXX XXXX and I have not received a response from Amerifinancial Solution validating the account. Federal law requires that collection agencies respond promptly within 30 days. It has now been 38 days since this company has received my letter and has failed to not only comply with the federal law but to validate this debt. This account continuing to be listed is a serious violation of the FCRA ( Fair Credit Reporting Act ). Please delete this information from my credit file and cease all collection activities immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: LA

Complaint narrative:
On XXXX XXXX, 2021, I sent money to a receiver via my checking account in the amount of {$200.00} with Paypal. I completed a similar transaction on XXXX XXXX, 2021 which was instantly transferred to the receiver. Yet, the XXXX transfer was not instantly transferred and it was processed as an XXXX First, Paypal does not give notification when money will be sent instantly or via XXXX. It does not give you an option to choose a different option if the money sent will be held or delayed. It was explained by XXXX of the customer service agents that it could take up to XXXX days to process. If the money clears sooner, the money will be deposited into the recipients account. On XXXX XXXX, 2021, the money cleared my account via bank verification from a XXXX from the banking institution. Documentation can be provided for proof. As of XXXX XXXX, 2021, Paypal has not processed or deposited the funds into the recipients account. The customer XXXX  responded with a scripted answer about it taking up to XXXX days. Their site states, " Your payment will show as pending until the echeck clears the bank. It usually takes up to up to XXXX business days for an XXXX to clear and the money to appear in the recipients PayPal account. '' The XXXX has cleared and Paypal has failed and refused to send the money to the recipient.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: V and H Portfolio
State: GA

Complaint narrative:
On XX/XX/2020 I a collection from a company called XXXXance and Huffman LLC was opened in the amount of XXXX. I do not own this debt and, needless to say, it is effecting my credit rating of my XXXX report. I would of course like this to be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have conducted search on my consumer credit report, after carefully realizing I have been denied credit because of what's reporting on my credit report I have turned in an Affidavit to Transunion on XX/XX/2021, citing consumer laws that they have been violating, and did not receive written correspondence back. I never gave them consent verbally, written, orally or telegram to produce negative items on my report that reflects as a risk to credit companies and furthermore it creates a bad reputation for me. I have been discriminated by my character because of the fraudulent invasive practices of Transunion reporting negative furnishings on my credit account that I never authorized them to do so. I ask that Transunion furnishes a written consent that I sent them dated and notarized by the CFO of the company, if they can not do so then I demand that all negative items that have been reported be removed, all inquiries to be removed, all late payments to be removed, and my credit scoring system tool should stay at an XXXX ( which is produced to be a good credit rating according to Transunion ) at all times to continue to show I am in deed a great person of character and to not tarnish my name by reporting inaccurate, and negative information. Under the law this is indeed presumed as identity theft, as I never gave them my permission or consent to furnish these negative bogus items on my credit report.

Pursuant to 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681a ( e ), in 15 U.S. Code 1681i ( 1 ) ( A ).

The law states to do what is requested by the consumer, in this case I am requested to have a good credit scoring system of 760 at all times, as well as ALL negative items that reports as negative be removed.

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 2021-12-16 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:
Did not do complete through investigation

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 2021-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against 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 2021-12-16 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Midwestern Health Management INC
State: MO

Complaint narrative:
Northwest Financial used an autodialer to call my cell phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 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: Upstart Holdings, Inc.
State: NJ

Complaint narrative:
I paid my XX/XX/2022 installment payment in XXXX but I paid after my grace period which I got a XXXX late charge. When I made my payment I was told the late charge would be waived. Just recently I got an alert that I was reported 30 days late for a XXXX late charge is that even legal to report me delinquent for a late charge they offered to waive? I want to know why this happened and all calls are recorded so I would like them to pull the recording on why the agent neglected to tell me I was going to be reported late for a late charge they offered to waive

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP
State: CO

Complaint narrative:
{$660.00} dollars inserted into atm to deposit Atm said it had a technical error and was unable to return my deposit I have receipt to prove atm error amd amount taken Keybank will not return my money or issue provisional credit XX/XX/21 at XXXX, XXXX XXXX XXXX XXXX, XXXX colorado Spoke to customer service XXXX, spoke to XXXX  named XXXX, spoke to XXXX, someone from the branch called be but all I am getting is sorry but no solution other than waiting XXXX weeks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Gatestone & Co. International Inc.
State: IL

Complaint narrative:
GATESTONE COLLECTIONS. When making a payment no receipt or confirmation number is generated to verify the payment has been made. Even after the payment has cleared. Further, GATESTONE only shows the total amount owed and does not include the amount of the agreed settlement amount owed. It is also almost impossible to reach anyone at GATESTONE and further when you do reach someone they are in XXXX and do not understand or speak XXXX very well. 
XXXX XXXX

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 2021-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against 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 2021-12-16 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: WLCC
State: NH

Complaint narrative:
I didnt sign the loan when I noticed they are charging 688 % interest rate. You read that right, 688 %. They want consumers to pay more than {$6000.00} on a {$1000.00} loan in interest. How is this legal? Exploiting people who are having hard time especially during Covid? Im furious and dumbfounded that this can go on. Please stop this from happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I've had my account locked, I tried resetting my password with all correct credentials no luck, called and waited XXXX to finally get a link to reset my password only for it to tell me my credentials are incorrect despite the rep on the phone verifying all was correct, now on phone waiting over an hour to get a rep again! This is ridiculous people don't have all the time in the world to mess with this XXXX at most I can see waiting 20 minutes but 1 hour is insane! I just want to pay my bill that's due the XXXX! I can't call it in because they only do online billing!

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 2021-12-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I XXXX XXXX, the natural person, consumer, and original creditor am not a third party, nor is there a third party involved or assisting me with this complaint. I am filing this complaint by myself for myself. 

I XXXX XXXX the natural person, consumer, and original creditor of an open-end credit plan was denied my right of credit By NAVY FEDERAL FINANCIAL GROUP XXXX LLC, doing business as NAVY FEDERAL CREDIT UNION . I was notified of this transgression of my rights by NAVY FEDERAL FINANCIAL GROUP, LLC, doing business as NAVY FEDERAL CREDIT UNION, according to 15 USC 1601- The Truth in Lending Act by US mail XX/XX/2021. Based on 15 USC 1602 definitions of the Truth in Lending Act I as the natural person possessing an open-end credit plan was harmed by NAVY FEDERAL FINANCIAL GROUP , LLC, doing business as NAVY FEDERAL CREDIT UNION adverse action taken against me denying me my rights pf which the civil damages pursuant top 15 USC 1640 ( a ) ( 2 ) ( A ) ( iii ) are up to {$5000.00} NAVY FEDERAL FINANCIAL GROUP , LLC doing business as NAVY FEDERAL CREDIT UNION is now civilly liable to pay damages.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I paid my XXXX 2022 installment payment in XXXX but I paid after my grace period which I got a XXXX late charge. When I made my payment I was told the late charge would be waived. Just recently I got an alert that I was reported 30 days late for a XXXX late charge is that even legal to report me delinquent for a late charge they offered to waive? I want to know why this happened and all calls are recorded so I would like them to pull the recording on why the agent neglected to tell me I was going to be reported late for a late charge they offered to waive

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 2021-12-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
GATESTONE COLLECTIONS. When making a payment no receipt or confirmation number is generated to verify the payment has been made. Even after the payment has cleared. Further, XXXX only shows the total amount owed and does not include the amount of the agreed settlement amount owed. It is also almost impossible to reach anyone at XXXX and further when you do reach someone they are in XXXX and do not understand or speak XXXX very well. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: PA

Complaint narrative:
VIOLATION OF XXXX  ( SECTION B FEES ON XXXX THAT HAVE ZERO TOLERANCE ) PRICE GOUGING FRAUD COLLUSION

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Automated system advised I had a Best Buy balance and to choose an option to speak with representative. From phone 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 2021-12-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC.
State: TX

Complaint narrative:
I got a derogatory mark on my credit report stating this account got sent to collections. However, I don't have no knowledge of this debt and, that it doesn't belong to me. I'm victim of identity theft. I would like to address this immediately and get this fraudulent account remove from my report. The account was removed and now has being reinserted back onto my credit report without my knowledge of this account. I've proof of account showing deleted and reappearing

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Disputed Chase CC acct with XXXX XXXX - Acct was reported as " late '' in XX/XX/XXXX - while acct was on a special repayment program, which would have been cancelled and full balance would have come due if i HAD been late - For whatever internal reason it was reported as such ; and was subsequently told by supervisor it would be corrected. 
They actually reported a separate payment in XX/XX/XXXX as 90 days and it was 60. Thus starting my ordeal and discovering the XXXX mistake as well, Thank you, Happy Holidays.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Starting in XXXX of XXXX I noticed fraudulent charged on my bank account. I have contacted then repeatedly since then and have gotten the run around. I lost more than XXXX XXXX. Citi refuses to be accountable for my Identity being leaked or used fraudulently or for adhering to there XXXX fraud liability.

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 2021-12-16 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: Bread Financial Holdings, Inc.
State: WI

Complaint narrative:
I asked the credit company to take a late payment off if my credit reports because of good faith. Ive never been later before and this one should have been an exception.

Company response to consumer: Closed with explanation