vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: NCP Holdings, L.P.
State: FL

Complaint narrative:
I took out a {$2600.00} Loan with Quick Credit on XXXX. The Interest amount was supposed to be {$100.00} per payment, which came out of my Checking Account each payday twice per month. Below is a snapshot sent within the first email from them summarizing the Loan Thanks for choosing us XXXX! 
Heres a snapshot of your Quick Credit loan : Loan Amount : {$2600.00} Annual Percentage Rate ( APR ) : 199.45 % Payment Amount : {$190.00} First Payment Due Date : XX/XX/XXXX Loan Maturity Date : XX/XX/XXXX Below is the second snapshot sent within the next email : XXXX, your payment will be withdrawn soon. 
We just wanted to let you know that your automatic payment has been processed for XX/XX/XXXX and will be withdrawn from your bank account on or after XX/XX/XXXX. 
Your Payment Breakdown : Total payment amount : {$190.00} Applied to interest : {$100.00} Applied to principal : {$97.00} Payment confirmation number : XXXX New account balance after payment : {$2500.00} I deferred the next payment only to cover my rent, which is when everything took a downward spiral. I Paid the Loan off on XXXX in full as shown below. 

XXXX, your Quick Credit loan is paid off! 
Congratulations on paying off your loan! Your final payment was received on XX/XX/XXXX and will be withdrawn from your bank account on or after XX/XX/XXXX. 
Final Payment Breakdown : Total payment amount : {$2500.00} Applied to interest : {$200.00} Applied to principal : {$2300.00} Payment confirmation number : XXXX New account balance after payment : {$0.00} No payments went to Principal, all payments went to interest due to their continued negligence. Please help me review to see If I am being treated fairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 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: PA

Complaint narrative:
On XX/XX/2021 I notified XXXX, XXXX, and TransUnion about a Federal Violation about my consumer report. 15 USC 1681b Permissible Purposes of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. 
I, XXXX XXXX never gave XXXX, XXXX, TRANSUNION any written consent to report anything on my consumer report. No Consent is Identity Theft. A copy of the LAW is attached with this dispute letter. 
Concerning the account listed below as a consumer, I am demanding a deletion of this account. 
XXXX XXXX XXXX  ACCOUNT # 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 2022-01-19 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: PA

Complaint narrative:
On XX/XX/2021 I notified XXXX, Equifax, and XXXX about a Federal Violation about my consumer report. 15 USC 1681b Permissible Purposes of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. 
I, XXXX XXXX never gave EQUIFAX, XXXX, XXXX any written consent to report anything on my consumer report. No Consent is Identity Theft. A copy of the LAW is attached with this dispute letter. 
Concerning the account listed below as a consumer, I am demanding a deletion of this account. 
XXXX XXXX XXXX ACCOUNT # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 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:
By the law the credit reporting agencies are given 30 days to investigate an issue, by law, if accounts are reported to be fraudulent, items should be blocked within 4 business days. In my case neither of these happened and I am asking that the credit bureaus be held accountable and that all the items in question be deleted immediately. My documents, with credit reports and Identity theft affidavit was mailed back in XXXX of 2021!

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 2022-01-19 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: IL

Complaint narrative:
These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2021. They are still contacting me and this was shown up on my XXXX credit report. I will sue them if they continue to collect debt that is not mine.

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 2022-01-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Premier Mortgage, LLC
State: VA

Complaint narrative:
I have been in the process of obtaining a refinance of my current home mortgage with a mortgage company called The Premier Mortgage ( XXXX # XXXX ). This process was started all the way back in XXXX, XXXX. I have submitted all of the required documentation and was in regular communication with the loan officer through late XXXX, XXXX. At that point, all communications with the company stopped, despite numerous voicemails, emails, and text messages sent. 

I was told by the mortgage officer that my loan was ready for approval in a phone conversation on XX/XX/XXXX. Since then, I have learned that the loan officer that I was working with has left the company and he is unaware if the company has reassigned his files to another officer. Again, I have tried at least 10 times within the past 2 weeks to call or email the company, with absolutely no response from the company. 

I have already spent {$540.00} out of pocket for an appraisal of my property ( paid on XX/XX/XXXX ) and am now at the point where that money has been completely wasted unless the mortgage company reengages with me and the loan moves to closing. I feel that this company 's lack of professionalism and follow-up is appalling and I'm hoping that something can be done about this as soon as possible.

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 2022-01-19 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: IL

Complaint narrative:
These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2021. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Harris & Harris, Ltd.
State: PA

Complaint narrative:
The XXXX  XXXX has been fraudulently submitting charges. I had a cop magnet placed next to my license plate in order to prevent fraudulent charges I was aware started happening around XX/XX/2021. The photos taken of my car entering and exiting toll booths does NOT display the cop magnet I placed if looking from the rear of my car the magnet was placed to the left of my license plate. The magnet does NOT appear in any photos. This has been occurring since XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 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:
By the law the credit reporting agencies are given 30 days to investigate an issue, by law, if accounts are reported to be fraudulent, items should be blocked within 4 business days. In my case neither of these happened and I am asking that the credit bureaus be held accountable and that all the items in question be deleted immediately. My documents, with credit reports and Identity theft affidavit was mailed back in XXXX of 2021!

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 2022-01-19 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: GA

Complaint narrative:
By the law the credit reporting agencies are given 30 days to investigate an issue, by law, if accounts are reported to be fraudulent, items should be blocked within 4 business days. In my case neither of these happened and I am asking that the credit bureaus be held accountable and that all the items in question be deleted immediately. My documents, with credit reports and Identity theft affidavit was mailed back in XXXX of 2021!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I, XXXX XXXX XXXX, am a federally protected consumer who extended credit to American Express as of XX/XX/2022 and I am aware that American Express is in violation of my rights. Violations are included in attachments " XXXX, XXXX XXXX, XXXX, XXXX Response 2.pdf '' Please review the attachment, " amex.pdf '' to review my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 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: MD

Complaint narrative:
On XX/XX/2022 I sent a letter regarding an accurate 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 XXXX  ( a ), 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. Not only have them ignored my prior requests for validation of debt ( see enclosed copies of receipts letters ) but they also continue to report this debt to the credit bureaus causing damage to my character. This letter will again request that you follow guidelines of The Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: CL Holdings LLC
State: SC

Complaint narrative:
on XX/XX/2021 I Request in writing by a Certified mail domestic return receipt validations of debt letter not a request for verification or proof of my mailing address, but a request for validation from Jefferson Capital System to provide me with competent evidence that I have any legal obligation to pay you Jefferson Capital System they sent back a bill I sent another letter on XX/XX/2021 requested Declaration of some type of proof. if your office fails to respond to this validation request and don't send all pages of how you Jefferson Capital System validation the debt, show me the Original Contract that I signed any thing other then a paper bill, payment history, interest rate, payoff disclosure, amount paid since the debt was purchased within 30 days from The date of your receipt Jefferson Capital System sent a letter confirm that they closed their file and terminated collection action but they did not deleted nor remove it how I read it as they will sell the debt knowing its not a validation debt According to the fair credit reporting Act Section 609 ( a ) ( 1 ) ( A ) you are required by a FEDERAL law to verify through the physical verification of the original signed consumer contract any and all account you post on a credit report otherwise, anyone could fraudulent a account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
I was recently granted a temporary forbearance. My payment plan will change to standard repayment instead of the Income Based Repayment plan because of my forbearance. This changes the amount of the monthly payment due drastically. I was able to make my XXXX 2022 IBR payment of {$200.00} early. 

I asked Navient to apply my last payment be applied towards my XXXX 2022 monthly payment. My request was denied because it did not meet the monthly payment minimum. ( because they changed the payment plan ) I get nowhere when I try to call them. Their representatives do not want to or are unable to understand my situation. 

I am so tired of spending time fighting with Navient and constantly explaining what should be very a understandable and clear situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 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: AL

Complaint narrative:
I have written XXXX, XXXX, and TransUnion several times with proof showing that the inaccuracies they are reporting on my credit files are inaccurate. They will not investigate and they will not delete them.

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 2022-01-19 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: AL

Complaint narrative:
I have written Experian, XXXX, and XXXX several times with proof showing that the inaccuracies they are reporting on my credit files are inaccurate. They will not investigate and they will not delete them.

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 2022-01-19 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
My Citi Credit card provides a XXXX score when I log into my account. This score is supposed to be from the credit bureaus however the number appearing on my Citi account is completely different over XXXX points less then my actual scores with the three bureaus. I have reached out to all three bureaus to make sure my accounts have not been compromised. I also reached out to Citi that the number they are reporting seems to be inaccurate and might be linked to someone else ( I.e. a bad API link on their system ) because the bureaus all have my data correct and up to date. The score also matches my credit monitoring service to Privacy Assist. Citi is not will to look into this issue and continues to send me emails about my score going down, issues, etc. This is clearly a problem with their system. If they are not going to report the right information they should remove this data from their service offering.

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 2022-01-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
Trans Union is reporting a {$130.00} balance and saying being reported accurately. This is not true. Two times I filed a dispute with trans union both times they reported information being reported accurately there is a balance of {$130.00}. Twice I have spoken to the creditor XXXX XXXXXXXX and they assured me they reported to trans union this is paid and XXXX balance. But trans union claims there reporting this accurately.

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 2022-01-19 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: VA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 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: VA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-19 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: MD

Complaint narrative:
On XX/XX/2022 I sent a letter regarding an accurate 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 ), 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. Not only have them ignored my prior requests for validation of debt ( see enclosed copies of receipts letters ) but they also continue to report this debt to the credit bureaus causing damage to my character. This letter will again request that you follow guidelines of The Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692.

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 2022-01-19 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: MD

Complaint narrative:
On XX/XX/2022 I sent a letter regarding an accurate 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 ), 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. Not only have them ignored my prior requests for validation of debt ( see enclosed copies of receipts letters ) but they also continue to report this debt to the credit bureaus causing damage to my character. This letter will again request that you follow guidelines of The Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692.

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