vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-04 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: GA

Complaint narrative:
Experian Report # XXXX on XX/XX/XXXX has a negative account reporting from XXXX  XXXX XXXX ( XXXX ) with the original creditor XXXX XXXXXXXX ( # XXXX ). This account has been under dispute multiple times for unauthorized reporting on my consumer report. EXPERIAN, XXXX and XXXX have continued to report this account as a negative impact which has in return, ruined my reputation with future lenders to extend my credit. XXXX claims they bought this account from XXXX  XXXX. As I have attached an identity theft report due to XXXX  XXXX not following the internal revenue service tax law. It is a tax fraud to not send copies of XXXX, cancellation of debt and the XXXX XXXX XXXX XXXX forms. They have filed these forms without my authorization and then sold the alleged debt to a 3rd party to collect on an account that they have already received payment for through my social security number. This account has been reporting since XX/XX/XXXX which is more than enough time for either XXXX  XXXX or XXXX to produce these tax forms and/or correct them. I am asking for the immediate deletion of this unauthorized account being reported on any consumer report I have mentioned, in addition to any I'm unaware of.

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 2022-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Ive tried to get in touch with XXXX XXXX and Transunion Theres been a issue getting my credit report and FILE. My consumer rights are to have full access to reports and FILE. As well as I advise them of my rights pre accounts sent in on FTC form as well as complaint numbers to ftc. Still advise me that accounts were either verified or to follow up with creditors per consumer right Im the only consumer can verify and account to me mind,, creditor reporting non factual information to tarnish my reputation and worthiness or credit is against the law without my consent it is Also identity theft. As well as all accounts thats reporting late payment like XXXX acceptanceReporting late payment are not fact per law 15 Usc 1666 b as well 15 usc 1681b ( 2 ) also if theres a finance charge included per law 15 usc 1605 A shouldnt be any late payments the sum of all charges so consumer cant be penalized me for something payed in full also 15 usc 1681e b which is requiring maximum possible accuracy which is not whats being reports on several accounts. Serval closed accounts and derogatory I asked to be removed because these accounts broke several laws cause me pain and suffering i And bad reputation due to they determined me per CRAS UN WORTH FOR CREDIT DUE TO THE non factual THESE CRA USing there platforms to ruin my reputation which they are breaking the law as well as creditors reporting these things without consent. They have not took my disputes serious neither have the too proper time to provide audit trail Ive been requesting CRAS KEEP USING LAWS THAT WAS MADE TO PROTECT ME AND MY FAIRNESS AGAIST ME AS A STALL TACTIC I WANT MY RIGHTS TAKING SERIOUS AND NOTHING LESS IM FED UP WITH CRAS AND CREDITORS USING THERE PLATFORMS TO SABOTAGE ME WITHOUT CONSENT AND FAIRNESS. Stop breaking law n helping other in unfair practices.

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 2022-03-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: ND

Complaint narrative:
On XX/XX/XXXX, I received a call from XXXX XXXX in reference to an " unpaid " debt of {$1200.00}. I proceeded to let him know that this debt has already been paid. He said he would reach out to his client and get back with me. 
I then received another call from XXXX XXXX on XX/XX/2022 that he spoke to his client and they can't find the payment in which the apartment manager signed for.

But admit that payment had been received by the office. 
I then received another call on XX/XX/2022 asking for proof of payment of debt being {$1100.00}, and to have it emailed to his supervisor XXXX XXXX ( XXXX ). While I was listening to him, I was sending thr documents to his supervisor. I continue to asked how did the debt go down, and he couldn't answer me. 
To this day, I have not received another phone call nor a deletion from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Once my personal last card came in the mail I tried to load {$500.00} on to it at XXXX. I go out to my car and check the balance, and it says no transactions found. I tried to call customer service. I was put on hold for over a half an hour. I attached my receipt and screenshot of my account which has never been adjusted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I sent letters to Equifax, XXXX and XXXX on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 36 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 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: GA

Complaint narrative:
XXXX Report # XXXX on XX/XX/XXXX has a negative account reporting from XXXX  XXXX XXXX ( XXXX ) with the original creditor XXXX  XXXX ( # XXXX ). This account has been under dispute multiple times for unauthorized reporting on my consumer report. XXXX, TRANSUNION and XXXX have continued to report this account as a negative impact which has in return, ruined my reputation with future lenders to extend my credit. XXXX claims they bought this account from XXXX  XXXX. As I have attached an identity theft report due to XXXX  XXXX not following the internal revenue service tax law. It is a tax fraud to not send copies of XXXX, cancellation of debt and the XXXX Original Issue Discount forms. They have filed these forms without my authorization and then sold the alleged debt to a XXXX party to collect on an account that they have already received payment for through my social security number. This account has been reporting since XX/XX/XXXX which is more than enough time for either XXXX  XXXX or XXXX to produce these tax forms and/or correct them. I am asking for the immediate deletion of this unauthorized account being reported on any consumer report I have mentioned, in addition to any I'm unaware of.

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 2022-03-04 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: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
XXXX Report # XXXX on XX/XX/XXXX has a negative account reporting from PORTFOLIO RECOVERY ASSOCIATES ( PRA ) with the original creditor XXXX  XXXX ( # XXXX ). This account has been under dispute multiple times for unauthorized reporting on my consumer report. XXXX, XXXX and XXXX have continued to report this account as a negative impact which has in return, ruined my reputation with future lenders to extend my credit. PRA claims they bought this account from XXXX  XXXX. As I have attached an identity theft report due to XXXX  XXXX not following the internal revenue service tax law. It is a tax fraud to not send copies of 1099-C, cancellation of debt and the 1099-OID Original Issue Discount forms. They have filed these forms without my authorization and then sold the alleged debt to a 3rd party to collect on an account that they have already received payment for through my social security number. This account has been reporting since XX/XX/XXXX which is more than enough time for either XXXX  XXXX or PRA to produce these tax forms and/or correct them. I am asking for the immediate deletion of this unauthorized account being reported on any consumer report I have mentioned, in addition to any I'm unaware of.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I just reviewed a copy of my Transunion credit report and found the following information to be an error. I am a victim of identity theft and did not make these charges. I reported the theft of my identity to the Federal Trade Commission.

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 2022-03-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
On XX/XX/XXXX. I filed a complaint regarding the mishandling of my VA mortgage by Freedom Mortgage. 

The issue was addressed regarding my exemption of XXXX XXXX taxes, however, Freedom Mortgage continues to show my account as being delinquent regardless of my proven and documented mortgage payments. I have been advised that despite my exemption, and proof of payment, I am still delinquent for my XXXX payment. This is the fourth time I have addressed this matter with their Customer Service reps who each have offered differing excuses. I even paid a {$250.00} shortage for a XX/XX/XXXX payment, and was advised that this would bring my account up to date and that my new payment reflecting the non-advalorem taxes would take effect on XX/XX/XXXX. 
I HAVE RECEIVED NOTICES THAT MY ACCOUNT IS STILL DELINQUENT DESPITE HAVING DOCUMENTED PROOF OF MAKING THE MONTHLY PAYMENTS. The argument remains to be based on collecting the escrow for Taxes I did not owe!! The respondent to my first complaint was a XXXX XXXX XXXX, who no one seems to know at Customer Service. 

As a retired XXXX  Veteran, I truly find that such treatment and outright shuffle games are inconsistent with the espoused values of " taking care of veterans '' that such Financial Institutions often make to sell their services. The egregiousness of this whole issue is that I have spent over four months attempting to resolve this issue with little resolution. My next step is to initiate legal action against Freedom Mortgage for their incompetence in handling what should be a simple matter of reconciliation.

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 2022-03-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: IN

Complaint narrative:
Cardinal Financial failed to pay our property taxes out of our escrow account for all of XXXX. Now the county is planning to auction our house in a tax sale if the taxes plus penalties are not paid. We have never been late with a payment and there is money in our account to cover the payment yet theyve taken no action. We learned of this situation when we received a letter from our county treasurer on XX/XX/XXXX alerting us to the issue and threatening the auction of our home in a tax sale. I contacted Cardinal Financial and our county treasurer on the day the letter was received. The treasurer was able to clarify the issue. We own 2 parcels. One parcel with our house and the adjacent parcel with no structures. Cardinal paid the taxes on adjacent parcel but not on the parcel with our house. When the treasurer clarified the issue, I called Cardinal Financial immediately to alert them. I did exactly as they asked sending another email with the letter from the county along with our loan number. At this point, Ive sent 4 emails notifying them of their error, creating a paper trail by the direction of their representatives to no avail. By federal law and their own disclosures they should have responded in writing within 5 business days but we heard nothing. Its now been more than a month. We call them every day and start from scratch rehashing the situation but no one with any knowledge or authority seems to know how to facilitate a resolution. Lots of empty promises. All talk and no action. We have been told by Cardinal Financial representatives that we should have received 2 separate checks for {$1000.00} due to the overage in our escrow account resulting from their error. But we havent received these checks. Our May statement shows a disbursement for that amount that left our escrow account but it never came to us as a payment. No similar disbursement came out in XXXX when those taxes were not paid. The amount owed including penalties is now {$2700.00} for XXXX. I am fearful because the next payment is due XX/XX/XXXX. I do not think we should be held responsible for the penalties or suffer an increase in payments to cover the escrow as a result of their negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Incomm Holdings Inc.
State: TX

Complaint narrative:
Have bought {$500.00} visa gift card on XX/XX/21 and next drain card was fraudulently used. Contacted customer care and they've deactivated card and issued case number XXXX. Have filed dispute document on XX/XX/21. Have tried contacting company multiple times over the phone and sending emails regarding full refund of fraudulently used visa gift card with no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 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: ALLIED MORTGAGE GROUP
State: MD

Complaint narrative:
On XX/XX/XXXX XXXX XXXX with Allied Mortgage Group initiated a hard inquiry on my XXXX credit report without my knowledge or consent. I called XXXX XXXX and asked about the inquiry, he stated he assumed I was ready to move forward, I asked him how was I ready to move forward if I didnt fill out an application nor did I provide my Social Security number, he could not explain. My last correspondence with XXXX XXXX was on Friday XX/XX/XXXX when I inquired about his company offers and/or incentives, I have not given any one including XXXX XXXX permission or access to run my credit.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-04 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: ACIMA CREDIT, LLC
State: CA

Complaint narrative:
The item I purchased was a carbon fiber splitter from custom creations. The item was returned due to being defective. The store custom creations closed shortly after. Custom creations never processed my return with Acima. Acima has placed a charge off on my credit every month for 3 years. Also the item that was placed on their purchase item was an intake. I have proof Ive never owned an intake also they didnt provide a description of the item, brand, price, type of vehicle. The store is closed and the FBI has been contacted, this is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the account completely from my Credit Reports : 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 2022-03-04 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: NY

Complaint narrative:
Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the account completely from my Credit Reports : 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 2022-03-04 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: GA

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-03-04 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:
in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-03-04 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: GA

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC.
State: TN

Complaint narrative:
I made a payment of XXXX to go toward my principle of my vehicle. My car has high interest rate 22 %. I called and made payment of the XXXX and they only applied XXXX toward principle and paid my car note up two months. I specifically told the manger to apply to principle. Now I am calling everyday trying to get them to apply my XXXX to my principle of my vehicle, and they will not adjust my account or apply the XXXX to principle. No response or action done over two weeks now. Everyday my account is cumulative XXXX dollars for interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Dear Sir/Maam I am here by attaching the reply from Experian to the request made by CFPB Case number : XXXX. I have corresponded with Experian and XXXX XXXX XXXX for almost 5 times to remove the collection account. Soon after the CFPB made the request to Experian. Experian updated the Collection to as Paid without removing completely from the account though I have paid in full. Attached are the copies of satisfaction letters with the Receipt. 

I also understand that Keeping the paid collection account will enable easy access through dark web to tap into my bank account, check everyday transactions and sell my information to 3rd party consumer marketing companies and create false utility and electricity bills. I have experienced this from last 7 years. Please enforce Experian and XXXX to remove the account immediately. No body has to buy time to scam online.

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