vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Advantage LNS Inc.
State: TX

Complaint narrative:
A full walk through was completed when I moved out of this apartment with the leasing staff present. No damages were mentioned, charged, or recorded. XXXX XXXX XXXX nor the new owner of this alleged debt has not submitted photos of alleged damages, a copy of the maintenance requests I reported months PRIOR to my move out date, or the rental inspection checklist that was completed when I moved out as I have been requesting for years. The apartment complex was also provided my forwarding address. National Credit Audit did not send notice of any alleged debt to that address nor did XXXX XXXX Apartments. An official letter from the apartment complex would have ALSO included the amount of my deposit and that it would be applied to any fees owed.

As a tenant, I am not responsible for repairs to old appliances because of normal wear and tear according to my lease agreement. The only evidence submitted was a list of all itemized expenses in TOTAL that the apartment spent to prepare my unit for a new lessee. That itemized list that was typed up on a word documents. It was not in the leasing companys letterhead. Nor was it dated or signed. The NAME of the leasing agent who TYPED the document wasnt even printed or typed! A sheet of paper without a NAME, DATE, SIGNATURE, OR COMPANY LETTERHEAD sufficed for the credit burueas to VERIFY this debt? The evidence submitted I believe was fradulent. This apartment complex was in the process of renovating ALL of its landscape and rental units. I know this for a fact because I still visited those apatments after I moved out since I had a relative and a friend that lived there! The landscape, leasing office, signs, gym, and every unit was upgraded! Those are typical business expenses. Charges for new carpet and appliances that were needed for complex wide upgrades were unfairly and incorrectly listed on my credit report. My apartment carpet was also undamaged and stain free. 

I am requesting this company provide the following evidence : Photos of alleged damages or a copy of an awarded court judgement. 
Copy of the maintenance requests I reported for 2 old appliances MONTHS PRIOR to my move out date. 
DATED rental inspection checklist that was completed when I moved out that lists all damages. 
Notice of any alleged debt from National Credit Audit to the forwarding address I provided XXXX XXXX. I can not dispute or pay a debt I am unaware of! 
A letter from my apartment complex would have ALSO included the amount of my deposit and that it would be applied to any fees owed. An official document would have a letterhead, date, and name.

Or delete this from all 3 credit bureaus! I have sent them several letters requesting them to verify this debt over the past 6 months with no response to date!

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-23 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.

Complaint narrative:
Over the XXXX XXXX and reports of XXXX XXXX my those accounts are still active and showing false information which are already closed and never defaulted by me but showing payment in standing but the accounts are closed by the lender and also got the XXXX from the lenders when ever I tries to dispute the account through XXXX and XXXX they demand from me to subscribe the paid services for resolution and ruining my XXXX intentionally for making money and making me a defaulter in from of other lenders. I want a strict action against 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 explanation
Consumer complaint received 2021-05-23 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: IL

Complaint narrative:
On XX/XX/2021, I have sent the credit bureaus ( Transunion, XXXX & XXXX ) a letter to remove inaccurate/fraudulent information from my credit report, and according to 15 U.S.C. Sec. 1681i ( a ), they were suppose to complete this investigation within 30 days of receipt of that letter. 
Today is XX/XX/2021 and I have yet to hear their from 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 explanation
Consumer complaint received 2021-05-23 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: VA

Complaint narrative:
I paid XXXX dollars to XXXX XXXX XXXX XXXX to reduce balance and to have a better score through credit utilization rate of XXXX ( XXXX XXXX XXXX XXXX ). XXXX updated this information in the system but CFNA did not provide updated information to three credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I paid XXXX dollars to XXXX XXXX XXXX XXXX to reduce balance and to have a better score through credit utilization rate of XXXX ( XXXX XXXX XXXX XXXX ). XXXX updated this information in the system but CFNA did not provide updated information to three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23 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: IL

Complaint narrative:
On XX/XX/2021, I have sent the credit bureaus ( XXXX, XXXX & Equifax ) a letter to remove inaccurate/fraudulent information from my credit report, and according to 15 U.S.C. Sec. 1681i ( a ), they were suppose to complete this investigation within 30 days of receipt of that letter. 
Today is XX/XX/2021 and I have yet to hear their from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
I requested the following documentation as stated below directly from GM FINANCIAL. On XX/XX/2021, I received a response. A copy has been provided. I have also included a copy of the letter I sent GM FINANCIAL. They failed to send me the requested copies of the documents that are required by law. 
***************************************************************** Under the laws of the State of Texas UCC statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to.

Please provide proof that the repossession of the subject vehicle was legal in accordance with the following State of Texas UCC : 9-611. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL.

9-613. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL Since no proof was submitted, this claim of a deficiency is null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Checkr, Inc
State: NE

Complaint narrative:
Your records show my license was suspended and it was not. Also showed an old license number and not my current one. I was denied a job by XXXX and XXXX XXXX because of this error. My license is and was valid

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
My mortgage company Freedom Mortgage won't allow me an extension past 12 months to defer my VA mortgage from the pandemic era CARES act extension of 18 months.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
Robinhood whom I have a bank with and invest in various stocks with has restricted my account from any actions such as investing or withdrawing my cash on my debit card. They sent me a new a new card and even told me I could use my virtual card from my account. But none of those have worked they even asked for my identity verification which I sent three bank statements and my ID over the last couple weeks. They still have yet to give me any access to my account or any reasonable timely response on how I can resolve this. At this point I'm just trying to withdraw my money from there that is rightfully mine. So far they've given me nothing that I can go on they asked me for information and I gave it to them and they haven't followed through with what they said they would do they're essentially holding my money hostage.. I sent them 6days ago my identity verification. XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I was not aware of this debt of {$110.00}. I contacted XXXX to cancel this policy via phone. I also stopped making payments. The vehicle I had insured at the time was not being driven as it has transmission issues. Once I received my stimulus, I was able to repair my vehicle. I then insured my vehicle again with another company. 

XXXX did NOT notify me of this remaining alleged balance and/or discrepancy BEFORE selling this account to the CCS collection agency. I also changed my residency in the chance that a letter WAS mailed from CCS. Nor am I required to continue to PAY for a vehicle that can not be driven! A few months later AFTER I fixed it, it was then TOTALED. I don't even OWN this vehicle anymore! I have included copies of my XXXX policy as well as proof my vehicle has been totaled/sold. 

As granted by the Fair Debt Collection Practices Act, I have the right to dispute this alleged debt. I did NOT receive any correspondence from CCS regarding this debt! I had requested FULL verification of this debt, including copies of the previous notices that were sent to a VALID UPDATED address BEFORE this debt was reported to my credit! I have NOT received a response from the creditor to date! 

The ONLY thing they did was update my BALANCE to {$0.00}. I requested them to REMOVE the debt as it shouldn't have been reported in the first place. So now I have a negative item of {$0.00} sitting on my credit. I'm also a CURRENT XXXX customer now with my NEW VEHICLE so I am APPALLED that this is how CCS treats CUSTOMERS of their current business partners! I am really considering leaving XXXX over this! I guess I will have to send a " certified '' letter to XXXX when I switch so I can have " proof '' I cancelled my policy this time so a creditor won't claim I owe a balance on an UNINSURED vehicle.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Penn Credit Corporation
State: FL

Complaint narrative:
Penn Credit reported a medical debt that was owed 2 yrs ago Contacted them with a Debt validation letter on XX/XX/2021 no response from company

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I paid XXXX dollars to XXXX XXXX XXXX XXXX to reduce balance and to have a better score through credit utilization rate of XXXX XXXX XXXX XXXX XXXX XXXX ). XXXX updated this information in the system but XXXX  did not provide updated information to three credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23 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: CCS Financial Services, Inc.
State: CT

Complaint narrative:
This debt was paid in full to the original creditor, XXXX. Credit collection services does not have the legal right to report this debt to the credit agencies- they are not even a licensed consumer collection agency in the state of Connecticut XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23 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: IL

Complaint narrative:
On XX/XX/2021 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. II feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days 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 XXXX you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23 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: Portfolio Recovery Associates, LLC
State: CT

Complaint narrative:
I have requested several times for this to be removed from my credit reports. I sent a validation letter to the credit bureaus, and it was returned as meets FCRA requirements. I did not receive validation that this belongs to me. I then sent a direct dispute to Portfolio Recovery Associates, and they responded with a bill- not valid proof according to the FCRA. I am requesting for this account to be removed from all three of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23 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: EdFinancial Services
State: GA

Complaint narrative:
My student loan is reporting late payments from XX/XX/XXXX - XX/XX/XXXX. There should not be any late payments reporting due to the fact that my student loans has been in deferment since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX Transunion is reporting inaccurate information on accounts. This practice hinders my Transunion fico score ore from moving. XXXX has a score of XXXX and Transumion has a score XXXX this is inaccurate and fraudulent because the same accounts on XXXX is on Transunion so why isn't Transunion updating. This is personally effecting my financial opportunity to be considered for future financial help. This practice must stop as it permanently damages my character and its discriminatory

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23 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: FL

Complaint narrative:
On XX/XX/2021 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. II feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days 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 XXXX  you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Blockchain.com, Inc.
State: TX

Complaint narrative:
in XX/XX/2020 I went to exchange crypto for dollars. The funds never came through and then I couldn't access my account. Then 98 percent of the currency was missing, and I am still locked out of my account. I can not get anywhere calling, emailing, or any other way. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: COLLECTECH DIVERSIFIED, INC.
State: TX

Complaint narrative:
I got hurt at my job which at the time was XXXX, XXXX the owner took me to the ER which was XXXX Texas ER. He had paid the bill in full I was under the impression that he had taken the bill through his insurance and paid it full. So I have tried contacting the collections to get it off my credit. They have not been communicating with me. I tried disputing it nothing has changed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
After closing the personal checking account, Chase Bank failed to honor its written statement to remit {$380.00} to my address of record. In a letter dated XXXX XX/XX/2021, Chase Bank claimed to have mailed a cashier 's check on XXXX XX/XX/2021. I called Chase Bank on XXXX XX/XX/2021 after waiting more than 10 business days and no one from Chase provided any information or updates. After insisting upon getting information, Chase Banking representatives claimed that my calls were abusive and blocked all of them. 

I later discovered that the toll free number to which Chase had directed my calls was not the direct line to its Executive Office, but another number to its investigative arm of its Fraud Department. All the customer service agents to whom I directed inquiries about the check work as investigators within the Chase Fraud Department and have no direct connection to Chase Executive Office. The Chase Fraud Department has opened its own internal investigation, has used inaccurate personal information it gained from old credit reports after using XXXX to track a person. The Fraud Department set up the toll free line not to resolve the check refund issue, but to gather information to find inconsistencies in my claims. 

Chase Bank representatives interact with me harshly by acting like this situation has become part of some criminal investigation because I am an XXXX XXXX woman. Therefore, Chase Bank has zero intention on refunding the {$380.00} from the account it closed. Though Chase may insist it reserve the right to close accounts for any and no reason, I have the right to demand accountability. 







The bank has zero intentions of refunding the money

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-23 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: GA

Complaint narrative:
My student loan is reporting late payments from XX/XX/XXXX - XX/XX/XXXX. There should not be any late payments reporting due to the fact that my student loans has been in deferment since 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 2021-05-23 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:
My student loan is reporting late payments from XX/XX/XXXX - XX/XX/XXXX. There should not be any late payments reporting due to the fact that my student loans has been in deferment since XXXX.

Company response to consumer: Closed with explanation