vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-17 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This is my 4th time submitting a dispute request via mail and via CFPB and nothing is being done here ... Please send me my disputes results via email immediately. 

At my demand request, if you are unable to respond in a timely manner and provide the above items, please remove the account ( s ) from my credit report to prevent further damage. If not verified, valid, or compliant, delete each account reporting in violation. 

XXXX XXXX- XXXX Not my account XXXX XXXX XXXX XXXX Not my account XXXX XXXX XXXX Not my account XXXX XXXX XXXX- XXXX Not my account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX Texas XXXX XXXX XX/XX/1988

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 2021-05-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Creditor has not removed late payments as agreed through XXXX letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
They rtreatened and sued me for the amount owed even thou the debt it not valid. it is old. The lawyers they hired are very rude and my payments never go through.

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 2021-05-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
I have been paying my car payment through billpay. The checks have been sent out and not returned. The account number is on the checks. However, I keep getting calls saying that I haven't paid my car payment and its going against my credit. I'm doing my part but I have no control over how GM Financial does things.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Persolve, LLC - Legal - Series 2
State: GA

Complaint narrative:
I purchased a car from XXXX XXXX XXXX XXXX and fell on hard times. My car was repossessed, and the debt sold to Account Resolution Association/Persolve. The debt is collecting interest and is currently nearly double the original cost of the car and certainly over the remaining charges after the car was repossessed, at {$20000.00}. The car was repossessed and yet they are charging me the cost of a new car and have not provided a break down of the charges. This is highly predatory considering the amount is so high it prevents me from ever being able to purchase another car or a home. I have tried disputing this debt several times and recieved no help. I would like the company to be investigated for gouging their costs and trying to bully consumers into paying hiked up fees, well over the original debt. XXXX/XXXX is already a horrible company in itself but the company that they hired for debt collection is worse.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have sent several letters to the reporting agency with no prevail. When i sent these letters I will attach the letters I have sent. 

After the letters was sent I have not received an response from either bureau. 

I have sent several letters for accounts to be verified and validated with the credit bureaus. 

Not only have I not received a notification stating that they accounts would be looked into for their accuracy for reporting, For the following accounts : Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX I simply asked for these accounts to be verified as mines. 

This is over the course of 4-6 months.

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 2021-05-17 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: TX

Complaint narrative:
I have sent several letters to the reporting agency with no prevail. When i sent these letters I will attach the letters I have sent. 

After the letters was sent I have not received an response from either bureau. 

I have sent several letters for accounts to be verified and validated with the credit bureaus. 

Not only have I not received a notification stating that they accounts would be looked into for their accuracy for reporting, For the following accounts : Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX I simply asked for these accounts to be verified as mines. 

This is over the course of 4-6 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 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: GA

Complaint narrative:
I have submitted disputes about my personal information being incorrect on my credit report. There are several names, addresses, phone numbers, employment information and public records that do not belong to me on my credit report. I have disputed the matter several times and I have not received a response. The last letter that I sent in reference to correcting my personal information was dated on XX/XX/2021. I have not received any response and its been over 30 days since my last attempt to have incorrect information removed from my credit report. By law, the credit reporting agency has 30 day to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 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: AZ

Complaint narrative:
Creditor has not removed late payments as agreed through goodwill letter.

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 2021-05-17 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: UPGRADE, INC.
State: WY

Complaint narrative:
UPGRADE INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX/ XXXX  is showing that XXXX and XXXX of 2020 they where missed/late payments, this is inaccurate and should show 100 % on time payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-17 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:
For months I have been disputing the incorrect items on my credit reports with the 3 credit bureaus Transunion, XXXX  and XXXX  and none of these companies are providing verification or validation of any of these items within the legal time allowed.

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 2021-05-17 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:
For months I have been disputing the incorrect items on my credit reports with the 3 credit bureaus XXXX, Equifax and XXXX  and none of these companies are providing verification or validation of any of these items within the legal time allowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 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:
For months I have been disputing the incorrect items on my credit reports with the 3 credit bureaus XXXX, XXXX and Experian and none of these companies are providing verification or validation of any of these items within the legal time allowed.

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 2021-05-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: OK

Complaint narrative:
Loan are still hasn't received my money. Everytime that they call and leave a callback number, the phone number sends me to the phone tree, which hands up on me since my loan is no longer with XXXX. I have no way of speaking to someone, it just keeps hanging up on me

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 2021-05-17 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Benworth Capital Partners LLC
State: SC

Complaint narrative:
I applied for first and second draw PPP loans with XXXX and it was sent and approved by the SBA, and Benworth Capital was the lender. It said that Benworth funded my account. They lied! They never sent the money to my account and I know they are going to start making withdrawals from my account after the deferral period. I signed a promissory note and it's been almost a week and still no money. I can prove it with a certified statement from my bank that they never funded the account. I tried calling Benworth and the line is always busy. I tried emailing them and the email was undeliverable, so that means it's a fake email address. I tried contacting XXXX and the page won't load.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 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: NY

Complaint narrative:
Hi I sent a 30 days to comply letter to all three credit bureaus and its been longer than 30 days and They still havent got back to me to verify the accounts in question.

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 2021-05-17 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: NY

Complaint narrative:
Hi I sent a 30 days to comply letter to all three credit bureaus and its been longer than 30 days and They still havent got back to me to verify the accounts in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Portfolio Recovery Collection Agency Used unfair collection practices in violation of the fair credit protection act by trying to make me pay more after their third party representation know as XXXX XXXX XXXX, XXXX. in the state of Georgia settled in full the case for a one full settlement payment of {$460.00} with a settlement letter sent to me. Later Portfolio reported a balance of {$150.00} on my credit report and did not report my account paid and settle to close the collection account. I am being defrauded here and this is unfair collection practices. thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 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: GA

Complaint narrative:
I have submitted disputes about my personal information being incorrect on my credit report. There are several names, addresses, phone numbers, employment information and public records that do not belong to me on my credit report. I have disputed the matter several times and I have not received a response. The last letter that I sent in reference to correcting my personal information was dated on XX/XX/2021. I have not received any response and its been over 30 days since my last attempt to have incorrect information removed from my credit report. By law, the credit reporting agency has 30 day to respond.

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 2021-05-17 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have submitted disputes about my personal information being incorrect on my credit report. There are several names, addresses, phone numbers, employment information and public records that do not belong to me on my credit report. I have disputed the matter several times and I have not received a response. The last letter that I sent in reference to correcting my personal information was dated on XX/XX/2021. I have not received any response and its been over 30 days since my last attempt to have incorrect information removed from my credit report. By law, the credit reporting agency has 30 day to respond.

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 2021-05-17 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:
On XX/XX/2021 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 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: GA

Complaint narrative:
I have tried to dispute my personal information with all three credit bureaus and I have had no success. There are a number of names, addresses, phone numbers, and employment information on my credit report that are fraudulent. I have contacted all three credit bureaus on XX/XX/2021 and I have not received an investigation result from any of the the credit bureaus. I understand that the credit bureaus have 30 days to provide results of their investigation. Therefore, I would like results immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 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: GA

Complaint narrative:
I wrote to transunion more than once requesting that they provide me the the method that they used to verify certain items on my credit report. They have fail to reply in a timely fashion and when they did reply they failed to address the issue I noted in my request. They stated that they will not reinvestigate my dispute but I didnt dispute anything. I asked for the METHOD OF VERIFICATION.

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 2021-05-17 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: GA

Complaint narrative:
I have tried to dispute my personal information with all three credit bureaus and I have had no success. There are a number of names, addresses, phone numbers, and employment information on my credit report that are fraudulent. I have contacted all three credit bureaus on XX/XX/2021 and I have not received an investigation result from any of the the credit bureaus. I understand that the credit bureaus have 30 days to provide results of their investigation. Therefore, I would like results 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 2021-05-17 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have tried to dispute my personal information with all three credit bureaus and I have had no success. There are a number of names, addresses, phone numbers, and employment information on my credit report that are fraudulent. I have contacted all three credit bureaus on XX/XX/2021 and I have not received an investigation result from any of the the credit bureaus. I understand that the credit bureaus have 30 days to provide results of their investigation. Therefore, I would like results 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 non-monetary relief
Consumer complaint received 2021-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Upon regular review of my credit report, I found a hard inquiry from a company ( XXXX ) dated XX/XX/2020. I did not recognize the company and definitely did not authorize a hard inquiry. I filed a dispute with the reporting agency : Equifax. They later denied my dispute and stated it was a valid inquiry. But, they suggested I contacted XXXX. I did just that. I had to call twice because the first time, the employee became combative after denying that she told me what the product was. I asked for a supervisor and was told there was none. I called a second time and that employee was of no help. He didnt take my call seriously and told me there was nothing they could do about it. He told me to contact Equifax. So both Equifax and XXXX are telling me to contact each other. Meanwhile, I have a hard inquiry further damaging my credit report which, even though I have a perfect payment history, has an abysmal rating and other than a high credit balance, there is absolutely nothing wrong with my credit. ALL payments on time yet my score is in the 500s. So I dont know what is going on but neither the credit bureau or the creditor are cooperating. I guess my next step is legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc.
State: MI

Complaint narrative:
XXXX XXXX {$37000.00} Processing To : XXXX XXXX XXXX DOMESTIC WIRE XXXX XXXX {$100000.00} Processing To : XXXX XXXX XXXX DOMESTIC WIRE XXXX XXXX {$1700.00} Processing To : XXXX XXXX XXXX ACH I Initiated XXXX different USD withdrawals from Binance US, which is a crypto exchange company. The status of the transfers has been stuck in Processing for almost 10 days now. ( I should have received an email from XXXX XXXX XXXX to confirm transaction but i never received the emails ). I have trying to get in contact with the company 's support. I sent over 20 different support tickets and never got a reply back. After researching about the company, to be specific on their twitter  account ( https : //twitter.com/BinanceUShelp and https : //twitter.com/BinanceUS ), thousands of people seems to have problems with them.I feel that Binance is not willing to fix The issue and release my money. By ignoring my requests, it seems that they are trying to steal my money Or they are using it on other stuff to make profit from Holding them. 
Some of the support tickets i sent them : # XXXX. 
# XXXX # XXXX # XXXX XXXX and many more

Company response to consumer: Closed with explanation