vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-07 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: Monterey Financial Services LLC
State: VA

Complaint narrative:
I am filing a complaint of non-compliance against the following collection companies : XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX   ) XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) MONTEREY COLLECTION ( XXXX XXXX ) XXXX ) XXXX This is formal complaint that you have failed to respond in timely matter to my dispute letter deposited by certified registered mail with USPS. ( have attached both certified returned receipts for record ). 
Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the FTC ( see 15 USC 41, et seq. ). I have maintain careful records and for your benefit, and as a gesture of goodwill final attempt to have you clear up this matter. You have 15 days to cure. ( I have attached letters I sent to XXXX  and all 3 companies ). The following on the letters needs to verified : In 2000, the FTC held that the FCRA barred a debt buyer from " verifying a tradeline disputed by a consumer when it didn't posses the original documents. FTC allegations was that upon receiving a CDV form from a CRA that the debt buyer ( s ) and furnisher ( s ) they can not use the PCM for verification does not constitute an " investigation '' for purpose of section 1681s-2 ( b13 ), when a consumer disputes the accuracy of information reported by debt buyer ( s ) or furnisher ( s ), they should either verify the information with the original documents within the time period set forth in the FCRA or take all necessary steps to deleted the information from the files of all consumer reporting agencies to which the information was reported within 5 business days after receiving the consumer dispute, notify all consumer reporting agencies to which the information has been provided that the information is to be deleted from the file of the consumer who has disputed the account. Consent Decree Order, Section II. 
As per FTC opinion letter from Attorney General XXXX XXXX XXXX, you should be aware that a print out of a bill or itemized document does not constitute verification. 
I am again formally requesting a copy of VERIFIABLE PROOF ( of original Consumer Contract with my Signature on it ) you have on file ( Section XXXX ( a ) of the accounts listed on my original letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: FORD MOTOR CREDIT CO.
State: CA

Complaint narrative:
Just when I thought this company could not get any worse they find new ways to surprise me. Ive been working to get a transfer of equity finalized for years. They finally initiated the process communicating with both me and the buyer advising everything is complete they sent in the mail and uploaded.

When the contract arrives it says Im adding the applicant mind you is not family or anything to my account which is not what was discussed with either party prior to them pulling his credit excessively and multiple reps advised when I called in this is an absolute mistake my account says transfer completely and add. This is a mistake on their part they have the redo the whole contract please allow 48-72 hours. I call back they say they will upload by the end of the day. 

I sent back the title transfer and pieces relevant to the transfer in the mail. I again call as I have not received they say it is being completed as we speak check back tomorrow. Tomorrow comes not done. I call again they are still working on it ok no problem. Today at XXXX XXXX  I get a call from a rep with an attitude sounded like she said XXXX that does not identify the company just says Im calling from the transfer department guess I was supposed to connect dots on my own as I almost hung up. She says you know we are adding him as a co-signer to your loan right? 

No XXXX about 9 different reps stated otherwise and why would I add a complete stranger as a co-signer for me? For a loan Ive already had for years with zero change in terms???????? Not only was that not what was advsied on multiple occasions thats not even what was requested by any means on the application or questionnaire it clearly states transfer from me to him. You guys wasted months of my life, communicated my personal information to him which I would not have authorized had I not been advised almost a dozen times it was your mistake you are fixing. 

Additionally XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX were on an extension. I was not late and these need to be fixed if either are not complete I intend to spend every dime that I have exhausting every legal recourse against Ford Motor Credit Co because I have had enough.

Enough is Enough!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-07 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: IL

Complaint narrative:
On XX/XX/2020 & XX/XX/2020 XXXX disputes were submitted to Experian with no response from the credit bureau. I called today XX/XX/2020 and they have no record of receiving these letters. I have attached the tracking from the certified mail sent both times saying it was delivered. I have attached the dispute letter as well.

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 2020-10-07 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: I.C. System, Inc.
State: DE

Complaint narrative:
Breach of Contract : I received inferior engineered floors that were thrown down in 45 minutes. They cut up and ruined my stairwell carpet and did not place the new carpet for which I paid. I did not get thick padding. I did not get strips dividing the rooms. I received no glue and no nails. They hid the unilateral changed contract from me. I paid other  companies to do for what I contracted with XXXX that it failed to do. 
Described below outlines my contract with XXXX : 1. Engineered flooring with glue ; I requested nails in lieu of glue that was promised and agreed upon. I did not get glue or nails and was told after the install, They could do it for an extra charge. I will not pay additional costs for something that was already paid, promised and expected. 
2. Thick padding ; When confirming my install, I was informed and assured by each person I spoke with, Thicker padding in in the contract. I received no padding. I was promised they would fix it. I was then told, It is in your contract, but we didnt charge you for it, so. 
3. Colored coordinated rounds They arrived on XX/XX/20 with white rounds. I did not let them in. They came back on XX/XX/20 with the correct quarter rounds to do the work. 
4. Room separator strips ; ( I was told they separate all rooms ) I ordered and was promised room dividers and was told, We put them between every room. I did not receive room dividers.

5. New carpeting for staircase I selected and paid for carpeting and did not get carpeting. 
I never had a contract with XXXX. I made a contract with XXXX. XXXX stated it was not XXXX and they are their own company. XXXX or XXXX accepted the agreed upon resolution of {$2900.00} and then XXXX informed me inXX/XX/XXXX they accepted the resolution before Arbitration, but they were still going to ruin my credit. I asked XXXX, You are saying that you did not accept the settlement, She stated, We accepted it. 
XXXX breached its contract when it unilaterally changed the contract. They promised to fix their breaches, but ignored the over 90 inquires I made for resolution. The floors sink and crackle when walking on them. They lied and stated they inspected them. They have not been to my house to inspect nor correct my issues ; and only attempted to put carpet on the steps after I filed a dispute. They gave carpet install dates on days I had a scheduled XXXX  and when I was not in town and would not address the floors. I wanted the corrections done at the same time. I gave up and went to other contractors and paid other companies to perform what I paid XXXX to do. 
Please see attachments

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 2020-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I obtained copy of my credit copy of my credit report and noticed a fraudulent account and name on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 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: OH

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel as though I am being taken advantage of and being ignored of my disputes. 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 it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I sent my initial dispute request to Equifax on XX/XX/2019 via certified mail and it was signed by XXXX at Equifax on XX/XX/2019. It took them over 70 days to respond which is well beyond the 30days requirement per the Fair Credit Reporting Act of which I asked them to delete the disputed items. They ignored my request and ignored their negligence. I hence informed them of Identity Theft providing a copy of my Federal Trade Commission Identity Theft report and a copy of my Police Report, they still continued to ignore my information and did not comply with Section 605 of the Fair Credit Reporting Act and did not  " block '' or " delete '' the items. The following accounts should be deleted immediately : XXXX XXXX, XXXX  XXXX XXXX, and US. Department of Education. I have certified mail receipts of over 5 Letters I have mailed to Equifax to correct the errors on my credit file. Please make sure they adhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 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: OH

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later and I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. In Section 611 ( a ). it states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 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: OH

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later and I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. In Section 611 ( a ). it states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX  data breach and may have gotten into the hands of the wrong person.

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 2020-10-07 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Southwest Mediation Service
State: CO

Complaint narrative:
Received a phone call from XXXX on XX/XX/XXXX. The lady XXXX stated she had a voice recording from a magazine subscription service and that I had stopped paying them in XX/XX/XXXX. She said that I was being taken to civil court and owed {$1900.00} to the magazine service but that she had worked a deal with them and I could pay {$290.00} today and have the debt go away. This was for magazines i did not purchase. I asked her to send documents with information and she sent a form to fill out my credit card info. She gave me till XXXX today to pay or face civil action. There is no record on any credit reports of debt owed to a subscription service.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
My experience as a client of Wells Fargo during the last few years has been terrible and I have been trying to refinance my home mortgage with XXXX, and stop my relationship with Wells Fargo. Having been already approved by XXXX on the refinancing, we are still waiting for Wells Fargo to finalize their internal legal processes ; most importantly finalizing the XXXX transfer, assignment of the loan to XXXX, so that I do not have to pay for mortgage taxes twice. We submitted all required documentation more than 2 ( two ) months ago and have not heard back yet. My lawyers reached out to Wells Fargo and were not able to get an update on the situation, and just got a message saying that these things take time. After having refinanced mortgages in the past, I can say from experience that the most this has taken in the past was 2 to 3 weeks..and we are now on week 9. This is causing significant  issues on my side, given that closing of the refinancing with XXXX is still pending subject to receiving the loan assignment and as with any refinancing, every day that goes by poses significant risk that the approval already obtained could be revoked. I spoke with XXXX XXXX whose supposed to sit at the executive level ( @ XXXX ext XXXX ) who told me that it's an issue I need to resolve with the lawyers that Wells Fargo hired. I answered that if Wells Fargo hired them to represent Wells Fargo, and they are working on behalf of Wells Fargo but not getting the results we'd expect, then Wells Fargo is the one that should resolve the situation and look into the case to try and see what's wrong, and getting fixed. Her answer was that it's up to the lawyers. It all feels like Wells Fargo is dragging their feet, just to keep my as a client for longer, maybe indefinitely if XXXX decides it's been too long and cancels the refinancing. At this stage I really don't know what else I can do to get the required documentation from Wells Fargo to move into XXXX. 
Any help will be greatly appreciated.

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 2020-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: Geneva Financial, LLC, Chandler, AZ Branch
State: GA

Complaint narrative:
I was an independent contractor for this company. I discontinued my relationship because they didn't offer what was advertised and demonstrated misleading, and in my opinion, unsound contractual/managerial tactics. In addition, the marketing platform they provided via XXXX Search misinterpreted my services and was suggestive in nature. I sent an e-mail to their marketing department to remove my name from XXXX XXXX, but it was not completely done.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian routinely emails me with what appear to be " bait & switch '' alerts saying that something in my credit file has been compromised. However, when I contact the company, the company changes their message and sends me to a dead end XXXX call center who will not share information about them or the company so I can seek resolution of my issue. For example, they recently told me that my drivers license was compromised on the dark web. The details they provided are : " We found your driver 's license number on the Dark Web. '' Potential site : Unavailable*, most of a driver 's license number and the state in which it was found or issued, I assume. I contacted them and asked, if you are sending me an alert then you must know where you found the information on the dark web and they responded by saying, it is impossible to trace. This is false and misleading advertising meant only to trigger me into buying additional protection services. If you found it  then by logical extension you know or knew exactly where you found it and as such should be able to chase, prosecute and resolve.

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 2020-10-07 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: TX

Complaint narrative:
Hi, My name is XXXX XXXX. 

I am writing to complain on Equifax for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP OF WHEN EQUIFAX RECEIVED THE LETTER.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 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: AL

Complaint narrative:
I obtained copy of my credit copy of my credit report and noticed a fraudulent account and name on my report.

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 2020-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I obtained copy of my credit copy of my credit report and noticed a fraudulent account and name on my report.

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 2020-10-07 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: TRANSWORLD SYSTEMS INC
State: DE

Complaint narrative:
This company is reporting a collection account on my credit report. I have reached out and ask them for debt verification, it has been almost 3 months and i have not heard back from them. This is a violation of my rights under the FCRA! I would like for them to be held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 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: CAINE & WEINER COMPANY, INC.
State: DE

Complaint narrative:
This company is reporting a collection account on my credit report. I have reached out and ask them for debt verification, it has been almost 3 months and i have not heard back from them. This is a violation of my rights under the FCRA! I would like for them to be held accountable.

Company response to consumer: Closed with explanation