vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-29 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: CO

Complaint narrative:
I have filed disputes via US Mail with the bureaus on 3 different occasions ( XX/XX/XXXX ; XX/XX/XXXX and XX/XX/XXXX ). Not once in those 3 dispute cycles, did any of the bureaus reach out to me to even acknowledge what I was requesting them do. Because of this, I filed a complaint against them on XX/XX/XXXX ; where 2 bureaus did respond and say it was of factual record yet they still haven't mailed me a response which is required by law, so they are still not doing as they are legally obligated to do! Also, until they can provide a signed application from me, there is no " factual record '' of these inquiries. There are no open accounts on my personal credit report as a result of these nor are there signed applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 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: VA

Complaint narrative:
Mailed the letter to Transunion for their violation pursuant to FCRA 604 - 15 USC 1681b. Permissible purposes of consumer reports. I, XXXX XXXX XXXX XXXX being the original creditor and consumer never gave TRANSUNION any written consent, and no authorization to report anything on my consumer report. No consent is Identity Theft. 

Please see attachment

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 2021-03-29 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: SC

Complaint narrative:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I placed an order for an item on XXXX website on XX/XX/2021. I spoke into a person via chat on XXXX website the persons name is XXXX. He explained that the order was already processed and there was nothing he could do on his end. He explained that I needed to contact the bank and to to do a dispute form that there was an error on their side of the end. And I am sending you guys documentation. TD bank says there is no error. That I needed to contact the merchant which I already did twice. And I sent them TD Bank the dispute department documentation I am sending you more documentation which you should have. I would like to get my money back which was {$75.00} that I tried to place an order and I didnt get the item.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I went to XXXX in XXXX of XXXX looking to buy a house. 
I ordered a Glassdoor for my bathroom on XX/XX/XXXX, the merchant " XXXX XXXX '' charged {$280.00} ( XXXX soles ) and agreed to have it installed by XX/XX/XXXX, Since I was using my credit card to make the payment I made the mistake of paying him in full. When the due date came the merchant never showed up. I called him many times but he never answered my calls. I needed to move into my new house by the end of XXXX so I ordered the door from a new merchant and placed a complaint with the bank. The bank gave me the credit for the full amount and I thought the deal was over. 
In XXXX I received a letter from the bank requesting me additional documents and the credit was reversed, by then I was already in my new house, and the Pandemia has forced the government to put us in quarantine. On XX/XX/XXXX I sent a letter to the bank letting them know that the merchant never finished his job. Finally, on the XXXX of XXXX, the merchandise answered me saying he will back in XXXX the following Tuesday to install the door. 
It was very difficult for me to communicate with the bank I couldn't get internet services for the new house before the lock-up I was just limited to my phone. 
When I got back home, I sent a letter to the bank with a full explanation of what had happened.

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 2021-03-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: CT

Complaint narrative:
XXXX is trying to collect on a fraudulently manufactured debt by XXXX. I got a call from XXXX and the representative who identified herself as XXXX said that if I did not pay them {$4500.00} right away that they would call my vendors and report me to credit bureaus and ruin my credit. The worker from XXXX said that they had an account number XXXX and that if I didn't pay {$4500.00} by wire today that I would then owe {$20000.00} and that they know I will pay because I am in XXXX XXXX  and my credit is priceless to me. I have no debts with XXXX and this is an extortion and collection scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 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: MT

Complaint narrative:
I recently reviewed my Equifax Credit Report & observed hard hit inquiries that I don't recall authorizing. Therefore, I need Equifax to remove the following inquiries from my Equifax credit report immediately. The following multiple hard-hit inquiries are having a negative effect on my credit score, credit worthiness, & acquisition of credit. I have sent Equifax a letter with the hard-hit inquiries reflecting on my credit report that I don't recall authorizing & Equifax has failed to address this urgent matter & not even respond to my letter. Furthermore, in my letter to Equifax I requested that during their investigation if they were able to confirm I authorized the card hit inquiries to please send me a copy of the credit application that was signed & dated by me. 

XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX & XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I recently mailed you a letter disputing items appearing on my credit report, which you maintain. Your response to my letter was to deem my letter " suspicious '', implying it was not written by me and furthermore in a threatening to report my letter to law enforcement and/or state and federal regulatory agencies. Your response is ludicrous. 
Absolutely nothing in my letter could reasonably given rise to the suspicion that it was not sent by me. The classification of my letter as " suspicious '' is an incredible stretch of the term. I did in fact write and send the letter in question and you are attempting to circumvent the statutory investigation period defined by the FCRA. You are still bound by the 30 day investigation period which has now lapsed. Please remove the following items : 1. I have never been late with payments on this account. 
XXXX XXXX XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 

2. Other information I would like changed XXXX XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 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: IL

Complaint narrative:
I recently mailed you a letter disputing items appearing on my credit report, which you maintain. Your response to my letter was to deem my letter " suspicious '', implying it was not written by me and furthermore in a threatening to report my letter to law enforcement and/or state and federal regulatory agencies. Your response is ludicrous. 
Absolutely nothing in my letter could reasonably given rise to the suspicion that it was not sent by me. The classification of my letter as " suspicious '' is an incredible stretch of the term. I did in fact write and send the letter in question and you are attempting to circumvent the statutory investigation period defined by the FCRA. You are still bound by the 30 day investigation period which has now lapsed. Please remove the following items : 1. I have never been late with payments on this account. 
XXXX XXXX XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 

2. Other information I would like changed XXXX XXXX  Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed.

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 2021-03-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Atlantic Collection Agency, Inc.
State: CT

Complaint narrative:
Hello, Im shocked, surprised, stressed out both XXXX and XXXX to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: WA

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX XXXX add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. 
Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service :

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FirstPoint Collection Resources
State: NC

Complaint narrative:
This is in response to previous complaint # XXXX. First Point Collection Resources is in violation of several consumer rights under 15 USC 1692. I have attached the previous complaint with proof of each violation violated. I am demanding that they XXXX the balance on this account, delete it immediately from all consumer reports, as well as pay the attached invoice for each violation they violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: AZ

Complaint narrative:
I have had issues transferring money only through XXXX XXXX since the spring of XXXX. Although the transactions were initially approved, they were subsequently cancelled for no apparent reason. I continued to have the same issue with all transfers attempted online. A customer service rep in XXXX told me that the transfers were denied for " security '' reasons, but refused to elaborate. Because I was unable to make the transfers online, I could only set them up online and then go to a XXXX outlet to pay for them. I did this successfully until last XXXX, when I was unable to set up " pay in the store '' transfers. I contacted the same rep of corporate resolutions, but never received an explanation for what went wrong. The rep provided promo codes that would supposedly waive the excessive fees charged in points of sale for XXXX. The codes supplied only work online and are not accepted in XXXX offices. Yesterday, I attempted to set up a pay-in-the-store transfer online and was again unsuccessful. There were no error codes provided, but I could not complete the process. I called XXXX several dozen times, and in each case was routed to a call center in the XXXX. Employees there refused to provide their location and refused to transfer me to escalations in the XXXX. Today I called the corporate offices of XXXX several times and tried to speak to a rep in Executive Resolutions with whom I had spoken last year. She did not respond to my voicemails. I tried several other numbers for corporate offices, but in all cases was routed back to the call center in the XXXX. The names of the call center employees I wrote down are : XX/XX/XXXX XXXX XXXX and a supervisor named " XXXX '' who said he worked on the floor of the call center. The person with whom I corresponded in the Executive Resolutions Office is : XXXX XXXX Executive Resolutions Specialist XXXX XXXX XXXX XXXX XXXX, CO XXXX Direct line : XXXX XXXX Fax : XXXX I also spoke with : XXXX XXXX XXXX Customer Advocate Office US : + ( XXXX ) XXXX ext. XXXX Office Intl : + ( XXXX ) XXXX ext. XXXX E-mail : XXXX westernunion.com

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: KY

Complaint narrative:
A credit card was taken out for XXXX that was closed out in XXXX with a balance of XXXX dollars that is in collections with portfolio recovery. 
Another XXXX credit card was closed out in XXXX with a balance of XXXX dollars that is in collections with XXXX XXXX XXXX. 
My name was used for XXXX XXXX XXXX mobile service that is in collections with XXXX in the amount of XXXX dollars. I believe the activity on this was in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AMERICAN HONDA FINANCE CORP
State: TX

Complaint narrative:
I was told by Acura Financial Services that my account would be charged off. They offered a 25 % discount making the balance {$1600.00}. I intended and wanted to pay it ; however, due to the pandemic I didn't want to agree until I was sure I was able to make full payment. I called Thursday and was told by the rep, that I had two days to settle the account. I called Friday and couldn't get through. I called Sat, they were closed. I went online to see if I could reach out to customer service but their site does not give consumers the ability to email them directly. Their virtual chat was off so the only communication that I could find, was via XXXX. Maybe they had to reduce employee hours, due to the pandemic. I called today XX/XX/21 and was told the wait time would be 5 minutes. I held for about 44 minutes and talked to the rep, XXXX for about 4 minutes. She informed me that my account had in fact charged off. It's simple, if a financial institution informs you that you have two days to settle your account, then they need to make appropriate accommodations for the consumer to do so. I would like to settle my account without it negatively impacting my credit. There has to be some type of accountability to ensure that along with the demands from these types of companies, they also make provisions for consumers to meet them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I wanted to freeze my credit at Transunion and they asked for a credit card. Nowhere on the website ( to my recollection ) was there mention of a fee or subscription price. I entered my info and was signed up for a $ XXXXmo service I did not want. I called them and asked to cancel and refund, which they said they did. I received an email saying they cancelled but it made no mention of a refund. I was told to wait and check my credit card for the refund in 3-5 business days. So they can bill me instantly but take 3-5 days to refund me. Very predatory.

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 2021-03-29 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 am challenging the information with creditor XXXX this creditor has several inaccurate information this is an unverified account. unverified items i have also challenged this creditor the high balance doesn't match Transunion shows {$670.00} others are blank last verified is missing for two bureaus Transunion shows XX/XX/XXXX date of last activity doesn't match Transunion XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX date reported is doesn't match Transunion XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX closed date Transunion shows XX/XX/XXXX others are blank why are the not showing the same two year payment history Transunion shows nothing XXXX  is reporting and XXXX  is not

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 2021-03-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MLD MORTGAGE INC
State: CT

Complaint narrative:
I refinanced my mortgage with MLD Mortgage on an investment property I own on XX/XX/XXXX, which included escrow for the property 's taxes and insurance. My insurance company, XXXX XXXX, issued bills to MLD Mortgage on XX/XX/XXXX and XX/XX/XXXX before sending an overdue bill directly to me on XX/XX/XXXX. After 2 calls to XXXX XXXX and 3 calls to MLD Mortgage, I was finally able to reach someone at MLD Mortgage on XX/XX/XXXX who confirmed payment was not issued at closing on XX/XX/XXXX as it should have and placed the request for payment, stating it would take 24 to 48 hours.

Despite being 3.5 months late on payment, when I inquired about compensation ( if roles were reversed, I would have been charged significant late fees for 3.5 months of non-payment ), I was told that the loan care department was not responsible for the mistake at closing.

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