vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-26 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Affirm Holdings, Inc
State: IL

Complaint narrative:
I contacted affirm about a company they paid for a product I never received and the company agreed to return the money to affirm. 
I told affirm I contacted the company XXXX and XXXX sent email to me stating they return the money back to affirm. Affirm Continue to harass me after I sent the email stating this. I don't believe they ever contacted XXXX about their funds and now they sent this to a debt collector in which they never informed me off this. 
They still end up putting this debt on my credit report. I believe they got their money back and they are trying to get double paid. They have not talk with me or sent any letter about if they got their return money back from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26 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: MO

Complaint narrative:
I am filing the complaint against EQUIFAX, XXXX and XXXX because they have ignored my request for a reinvestigation since XX/XX/2021. I have not had one response from this credit bureau! Per FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ) and section 611 ( 5 ) ( a ) of the FCRA, they are required to " promptly delete all information which can not be verified '' and that has taken over 30 days to investigate that I have disputed. PLEASE DO NOT CHANGE THIS TO A DISPUTE ISSUE! This is a VIOLATION OF MY CONSUMER RIGHTS ISSUE! Your assistance in resolving this concern as soon as possible is appreciated. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Per my rights as a consumer under FCRA and Section 15 USC 1681 I did not give permissible purpose nor did I give my written consent for the accounts to be published on my report. I also did not give written consent for my accounts to be sold to a third party, under 15 USC 1681 and as a consumer per federal law the accounts listed have violated my rights and must be removed as theyve been removed via XXXX and are still reflecting upon my credit report, stating Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) The accounts to be removed are as follows ; XXXX XXXX XXXX XXXX ; XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Per my rights as a consumer under FCRA and Section 15 USC 1681 I did not give permissible purpose nor did I give my written consent for the accounts to be published on my report. I also did not give written consent for my accounts to be sold to a third party, under 15 USC 1681 and as a consumer per federal law the accounts listed have violated my rights and must be removed as theyve been removed via Experian and are still reflecting upon my credit report, stating Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) The accounts to be removed are as follows ; XXXX XXXX XXXX XXXX ; XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
The hotel charged my card without my permission. I checked out and went out of town for two weeks. I didn't owe the hotel XXXX but they charged me. I complained to navy federal in XXXX and still no results

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26 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: MO

Complaint narrative:
I am filing the complaint against XXXX, XXXX and TRANSUNION because they have ignored my request for a reinvestigation since XX/XX/2021. I have not had one response from this credit bureau! Per FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ) and section 611 ( 5 ) ( a ) of the FCRA, they are required to " promptly delete all information which can not be verified '' and that has taken over 30 days to investigate that I have disputed. PLEASE DO NOT CHANGE THIS TO A DISPUTE ISSUE! This is a VIOLATION OF MY CONSUMER RIGHTS ISSUE! Your assistance in resolving this concern as soon as possible is appreciated. 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 2022-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I am filing the complaint against XXXX, EXPERIAN and XXXX because they have ignored my request for a reinvestigation since XX/XX/2021. I have not had XXXX response from this credit bureau! Per FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ) and section 611 ( 5 ) ( a ) of the FCRA, they are required to " promptly delete all information which can not be verified '' and that has taken over 30 days to investigate that I have disputed. PLEASE DO NOT CHANGE THIS TO A DISPUTE ISSUE! This is a VIOLATION OF MY CONSUMER RIGHTS ISSUE! Your assistance in resolving this concern as soon as possible is appreciated. 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 2022-02-26 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Southwest Business Corporation
State: GA

Complaint narrative:
A person representing SWBC mortgage payment and negotiate a lower payment. This person provided new program. Requested payment of {$660.00} to active new program. 
Persons name XXXX XXXX with SWBC. Phone number XXXX. Date XXXX. I paid the money and then realize it was a fraud or scam. The money was processed thru XXXX at XXXX and XXXX XXXX XXXX at XXXX. Not SWBC. What do I need to do?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I found out in XX/XX/XXXX from my XXXX Credit Card that someone made a purchase with my Credit Card number and paid for a hotel when i did not utilize so Discover stopped the payments and canceled my card and gave me a new one. I checked my other cards and bank account and found someone has stolen money off of my XXXX  XXXX card and XXXX XXXX cards and my TD Bank debit card. My money stolen for these others was someone using the money for gaming on XXXX. My XXXX XXXX account canceled my cards and gave me new ones and got my money that was stolen returned. XXXX XXXX has not yet fixed this problem and neither has TD Bank, the bank cost the most as {$1400.00} was stolen from XX/XX/XXXX to XXXX. I am on XXXX and haven't worked in over 4 years and on occasion in the past i did sometimes pay for gaming but not in recent months cause i was dealing with house refinance and helping my parents cause my dad just turned XXXX and mom is about to turn XXXX. During XXXX and XXXX i was given gift cards for XXXX gaming which i did use but not my credit cards or bank account cause i was trying to help my parents.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-26 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: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
I have been in communication with XXXX, XXXX and XXXX and DEPT OF EDXXXX in multiple reports to point out an error that has been reported on my consumer report. Derogatory remarks have cost me the ability to extend my credit, getting denied for credit and had substantial injury for years over this false reporting. 
I have 7 paid in full accounts with DEPT OF EDXXXX. On my consumer report, it states that I had a 90 day late payment in XXXX of XXXX. I asked for XXXX and DEPT OF ED/XXXX to please provide evidence that I was ever late for a payment. In XX/XX/XXXX, my accounts were all in good standing and then in XX/XX/XXXX, it states I have a 90 day late payment. This is impossible in 30 days to have a 90 day late payment. 
In the last updated report # XXXX which was first started in XX/XX/XXXX and again in XX/XX/XXXX ; I sent in evidence and clearly identified the error. ( attached ) During this dispute, XXXX, XXXX and XXXX did not remove the 7 accounts during verification, which is a direct violation under the United States codes of Debt collection practices in Title 15. 
I have pointed out the clear error. I am asking that all 90 day late payments be deleted from all consumer reports. All accounts should remain as they are paid in full with 100 % on time payments from each account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26 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: GA

Complaint narrative:
I have been in communication with XXXX, XXXX and EQUIFAX and DEPT OF EDXXXX in multiple reports to point out an error that has been reported on my consumer report. Derogatory remarks have cost me the ability to extend my credit, getting denied for credit and had substantial injury for years over this false reporting. 
I have 7 paid in full accounts with DEPT OF EDXXXX. On my consumer report, it states that I had a 90 day late payment in XXXX of XXXX. I asked for XXXX and DEPT OF EDXXXX to please provide evidence that I was ever late for a payment. In XX/XX/XXXX, my accounts were all in good standing and then in XX/XX/XXXX, it states I have a 90 day late payment. This is impossible in 30 days to have a 90 day late payment. 
In the last updated report # XXXX which was first started in XX/XX/XXXX and again in XX/XX/XXXX ; I sent in evidence and clearly identified the error. ( attached ) During this dispute, XXXX, XXXX and EQUIFAX did not remove the 7 accounts during verification, which is a direct violation under the United States codes of Debt collection practices in Title 15. 
I have pointed out the clear error. I am asking that all 90 day late payments be deleted from all consumer reports. All accounts should remain as they are paid in full with 100 % on time payments from each account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: TX

Complaint narrative:
Diversified is trying to illegally collect a supposed debt for XXXX. This debt if owed would be a zombi debt which would not be collectable per the fair debt collection act and the dept collection act of Texas. The following statements are from the complaint I filed about XXXX. 

I was contacted by a dept collector stating I owed a dept to XXXX. I dont remember ever having XXXX as a XXXX company. I have tried calling XXXX  about the supposed dept several times and they could not give me any information on the supposed dept and told me to go to one of their stores to get the information but even they couldnt pull up any information. I then contacted their corporate office and they couldnt find any information regarding this supposed account. I even contacted the dept collector and they couldnt give me any information either. 

I have had my current cellular company for over a year and before that I had another cellular company not XXXX for over 7 years. 

This is the first time I even heard that I might owe any money to XXXX and by my research if I did owe that amount due to the fair dept collection act this would fall under a zombie dept which is not a collectible account and would be an illegal action upon XXXX to even try to collect this dept. 

I did contact the dept collector Diversified and they stated XXXX turned the dept over to them in XXXX year of 2022

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Google Compare Credit Cards Inc.
State: FL

Complaint narrative:
I found out in XX/XX/XXXX from my XXXX Credit Card that someone made a purchase with my Credit Card number and paid for a hotel when i did not utilize so XXXX stopped the payments and canceled my card and gave me a new one. I checked my other cards and bank account and found someone has stolen money off of my XXXX  XXXX card and XXXX XXXX cards and my XXXX XXXX  debit card. My money stolen for these others was someone using the money for gaming on Google. My XXXX XXXX account canceled my cards and gave me new ones and got my money that was stolen returned. XXXX XXXX has not yet fixed this problem and neither has XXXX XXXX, the bank cost the most as {$1400.00} was stolen from XX/XX/XXXX to XXXX. I am on XXXX and haven't worked in over 4 years and on occasion in the past i did sometimes pay for gaming but not in recent months cause i was dealing with house refinance and helping my parents cause my dad just turned XXXX and mom is about to turn XXXX. During XXXX and XXXX i was given gift cards for Google gaming which i did use but not my credit cards or bank account cause i was trying to help my parents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: IN

Complaint narrative:
I have spent countless hours on hold with Fed Loan servicing trying to achieve the student loan forgiveness I am entitled to under the new XXXX waiver. My employment history has been verified with 13 plus years of public service. I have never missed a payment on my loans during that time, however a large chunk of payments from 2011 are missing from my records! This is exceedingly frustrating that nobody can help me. I am put on hold time after time and given no explanation for a solution. I am losing faith that I will ever receive the relief I was promised. Please help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CO

Complaint narrative:
Zelle through XXXX XXXX. This is the first time I used Zelle. I sent money to an individual expecting a product and they are not responding when I asked for a tracking number. XXXX XXXX  and Zelle and not responding to my complaints either. I got ripped off for {$220.00} and I want Zelle or especially XXXX XXXX  to reimburse me since they advertised the business Zelle. 

The individual I sent money to is XXXX  XXXX, XXXX XXXX XXXX XXXX on XX/XX/2022 at XXXX p.m.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK
State: GA

Complaint narrative:
Good morning, I fell behind on my mortgage payments with Midland Mortgage for rental property that I owned out of state during the pandemic. I was in and out of work, changing jobs several times beginning in XX/XX/XXXX. I entered into deferred payments with Midland Mortgage sometime around XX/XX/XXXX thanks to the CARES Act. I made payments when I could. The opportunity to sell the property presented itself XX/XX/XXXX and I leapt at the chance. The house sold in one week. I spoke with Midland Mortgage shortly thereafter explaining that the house would be empty for most of the time up until closing, and that I wouldn't be able to continue with my payments until the sale closed. I informed them that they should expect to be paid in full and estimated the closing for early XX/XX/XXXX. All of the representatives at Midland Mortgage that I spoke with said that that would be fine. One of their agents went so far as to say that I wouldn't be in any serious danger of repercussions until XXXX of XXXX. To my disappointment, the closing was delayed a number of times and stretched into the new year and closed on or around XX/XX/XXXX. 
Midland Mortgage then reported " Serious Delinquencies '' of past due payments of over 120 days to the credit agencies. I called Midland Mortgage and expressed my disappointment because I understood that the CARES Act protected me from negative reporting. The agent at Midland Mortgage agreed with me stating that I have the option to submit a dispute, which I did XX/XX/XXXX. XX/XX/XXXX they denied my request. 
The short version of my story is : Not one of Midland Mortgage 's agents made mention of the possibility of a seriously bad credit report. If I had known in XX/XX/XXXX that Midland 's derogatory reporting would prevent me from obtaining another mortgage or even getting an apartment, I would have found a second job. I used to have good credit and all of my bills are paid early, with the exception this rental property mortgage because the CARES Act afforded me some relief. This pandemic has been hard on a lot of Americans. I'm one of the more fortunate ones. I don't see how my bad credit report benefits Midland Mortgage. They have their money. My account is closed. All I am asking is for Midland to amend the reporting. 
Thank you for taking the time to hear my complaint. 
XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Its been years that I have been going back and forth with portfolio recovery over this account. They are damaging my credit file and its been hard for me to obtain credit because of this account. This time I am exercising my federal rights as a consumer. The documents enclosed will show proof that this company been in violation. 
1. They are violating my privacy according to 5 USC 552a.

2. I marked up where they state that I owed the debt, they are in violation of 15 USC 1692b ( 2 ) 3. They use their LOGO that I highlighted they are in violation of 15 USC1692 ( 5 ) 4. violated 15 USC 1692f ; Unfair practices attempting to collect an ALLEGED debt 5. violated 15 1692f ( 1 ) ; Attempting to collect a debt unauthorized by an agreement between parties. 
6. Violated 15 USC 1692j ( a, b ) ; Furnishing certain deceptive forms. ( You are not a party in the alleged debt )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: ALLY FINANCIAL INC.
State: DE

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ALLY FINANCIAL XXXX XXXX XXXX XXXX, MN XXXX XXXX Re : XXXX  XXXX  Account Number : XXXX To Whom It May Concern : I would like to make arrangements to settle the above referenced matter ON CONDITION that you : 1. Produce the account and general ledger statement showing the full accounting of the alleged obligation you are attempting to collect from me, signed and sworn by the person responsible for maintaining these records and having first-hand knowledge as to their accuracy and authenticity, and able to testify under oath to that effect. 

2. Make available for visual inspection my original wet ink promissory note ( not a photocopy ). 
Please contact me in writing to arrange for an appropriate point of inspection. 

3. A statement admitting whether you are the holder in due course or whether you are a servicer. 

Lastly, Please provide me with your statement of the amount owing as of ( XX/XX/22 ), together with your assurance that you will accept payment in direct and immediate exchange for the original instrument of indebtedness in its original form. I am giving you formal notice that failure to respond to this letter through a verified and validated proof of claim within 7 days as I have asked for, point for point will be taken as an administrative default. 

Thanks. 
XXXX XXXX Without Prejudice

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 2022-02-26 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Paramount GR Holdings, LLC
State: VA

Complaint narrative:
The company has not sent a statement of the bill in 3 months although payments take place. Furthermore, in communication within the company, they said they would send invoices via email for the current status and begin sending them. Still have yet to see one statement although I am paying the bill.

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