vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
I have put a fraud hold on my credit account with all three major credit bureaus regarding fraudulent activity. There are a few items that don't belong to me and need to be removed ASAP. I contacted the creditors and they will not remove it. It is hindering my credit. These are the accounts that are fraudulent and need to be removed ASAP : NATIONAL CREDIT ADJUST XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Acct : XXXX INQUIRIES XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX  XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 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: FL

Complaint narrative:
I sent a letter to Equifax for " Verification '' in accordance with 15 U.S. Code 1692g. After the completion of its investigation, Equifax confirmed on twice that the record being reported on my report was " Verified as accurate ''. Please see the attached investigation completion letters. I sent a letter to the Bankruptcy court located at XXXX XXXX XXXX XXXX XXXX, FL XXXX ; disputing this claim/error and received a response from the XXXX  Clerk stating that " The court does not report any filings to the credit agencies '' therefore, this record was not properly validated or verified by Equifax. Please see the signed/sealed letter from the courts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 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: EQUIFAX, INC.
State: DC

Complaint narrative:
I would like to file a complaint against Equifax. Today, they incorrectly and unfairly decreased my credit score by XXXX points. I applied for a loan, which resulted in a hard inquiry. This inquiry was also reported to XXXX and XXXX which only reduced my score by less than XXXX points. XXXX uses XXXX just like Equifax. My score did not severely drop at XXXX. When I called Equifax, they could not explain the score decrease and refused to provide an explanation. Their agents will only say that they are only a reporting agency. I am calling Equifax about my Equifax score and this is seemingly simple, but they are ridiculously secretive. Equifax needs to correct my credit score because a hard inquiry should not result in a XXXX point decrease to my score. This was the only change on my credit report and the Equifax scoring mechanism is obviously flawed. 

As of today, my credit scores are the following : Equifax XXXX ( checked via my.equifax.com ) XXXX XXXX XXXX XXXX Lenders should not use Equifax due to their unfair practices. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
hi i have a bill from, portfollio recovery associates for = XXXX from a XXXX XXXX 2, and Copiers 2, and Fax Machine 2, Line of Credit from XXXX XXXX, When i Got the Computers someone Tried to Stop me from using it from the Emails and the XXXX XXXX and XXXX and Getting a Job and Justice Reporting on Crimes it was Hacked into XXXX before i got it, plus i called the XXXX XXXX and tried to Clear this up 4 to 7 times they just blew me off and said will email you, Now after this XXXX XXXX Credit, theres a XXXX XXXX XXXX Case on etc VS Etc i never got that Info or $ Check SDettlement from the XXXX or XXXX on the Card i Got in Mail Vs etc Vs etc the bill is = XXXX Month Opened XX/XX/2017 i, l send the Bill And Report, I would like to be Fully Reimbursed of my Credit to my Credit Bureaus and Paid for Financial Losses from a Hacker or Set Up from XXXX XXXX or there Court case... The Amout i please want to be paid is = {$300.00} Dollars period within 7 to 10 days paid and my Settlement Check would be nice if helped Out Please By XXXX XXXX by

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I'm currently in the process of purchasing a home. I have made several attempts to contact Equifax to unfreeze my account. I send in every document to prove my identity. However, each attempt was a failure. First they told my information did not match, then while on the phone with the XXXX agent, sent me a link to upload my ID and SS card. I was told that I was to dark to see. Please help me understand this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: AMERICAN HONDA FINANCE CORP
State: NJ

Complaint narrative:
I was laid off of my job on XX/XX/XXXX. I have been trying to work with Honda Financial Services in taking partial payments from me. I am currently collecting unemployment and my check is very small and I can barely make it with other bills I have. I can pay them all, but I can only make partial payments. I can not be without a car, I worked hard for the car and gave up the only {$1000.00} dollars I had at the time for a down payment. They are unwilling to work with me, stated that I have to pay the full Past due, and if I can not pay that amount, they have to pick up the car. How can a car dealer be a business and not help customers when life hits the fan. There has to be a better way to keep customers on the road. It is the year XXXX and I can not believe there isnt better programs in place so that the consumer does not have to deal with repossession. I even traded the car I had that I wish I could get back and now look where I stand. There had to be a better way around this, there has to be a better solution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: OH

Complaint narrative:
Om XX/XX/2022, I was contacted by SPS Servicing regarding my previously open case regarding my reduction and Short Sale. with CFPB.I was asked if I was aware of the complaint filed and I agreed that I was aware of the complaint. I feel as if SPS was trying to intimidate me by asking if I was aware and offered no resolution at the time of contact. Also I submitted documents to SPS regarding my homeowners insurance with XXXX that was sent on XX/XX/2022 regarding the billing. I was advised that the information was received and is being reviewed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PLAZA HOME MORTGAGE, INC.
State: NC

Complaint narrative:
Plaza Mortgage XXXXXXXX XXXX, IL held my mortgage from XX/XX/XXXX until XX/XX/XXXX at which time they transferred or sold my loan to XXXX XXXX  XXXX XXXX XXXX of XXXX, Texas. On XX/XX/XXXX I sold my property and a payoff was sent to XXXX XXXX. The release of lien was recorded on XX/XX/XXXX in the County of XXXX, NC. 
Since then Plaza Morgage claims they transferred my loan in error and they have put my loan in collections and Loss Mitigation. 
I have been harassed by phone calls and collection notices. 
On XX/XX/XXXX I sent copies of the recorded lien release that were obtained from XXXX XXXX. 
I have written proof of transfer of loan and recorded lien release. 
When I called on XX/XX/XXXX Plaza Mortgage could not connect me with the correct department.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Central Portfolio Control Inc.
State: MN

Complaint narrative:
Central Portfolio Control has contacted me multiple times this year after I had reported them last year for calling me consistently. I have told them last year to no longer contact me because at the time they had a representative became hostile with me. Then this year they called me multiple times from different numbers. Their contact information is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Minnesota XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivable Solutions, Inc.
State: OH

Complaint narrative:
On XX/XX/2022 I received a debt collection notice from Receivable Solutions, LLC ( RS ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX. They were attempting to collect a {$270.00} medical bill. I called Receivable Solutions on XX/XX/2022 to dispute the charge however I stated that I was " making a complaint '' about the charge. The RS operator said that I had to make the complaint with the provider, which I did do. I was advised the next day by a third party legal advocate that I needed to " file a dispute '' with RS not " make a complaint. '' XX/XX/2022 at XXXX am I filed a dispute in writing ( email ) to RS at the email address provided by RS in their letter. I did not receive any response from RS to date. Yesterday XXXX I was completing paperwork for a loan, when I found that RS had reported this disputed debt to the credit bureaus. Also, yesterday afternoon I received a letter from RS stating " we did not receive a response from our previous letter '', which indicates they chose to ignore my dispute filed XXXX, and this letter demand for payment was dated XXXX. When I called RS this afternoon to remedy this issue, they said that disputing the debt did not prevent them from reporting it, they further stated that they had 30 " business days '' to respond to the dispute and they were allowed to report it to credit bureaus even while it was disputed. The operators supervisor had no knowledge that I had even filed dispute and had to ask me how I filed it. Once I explained it was an email she made the excuse that they had 30 business days but still never acknowledged whether or not she had seen the dispute. She said that if I paid the total amount requested they would remove it from the credit bureau, simply ignoring the fact that I was disputing the bill. The timeline is as follows : First Letter received XX/XX/XXXX, XXXX First call to RS was made XX/XX/2022 at XXXX am.. Follow up dispute email was sent to XXXX XX/XX/2022 at XXXX XXXX XX/XX/2022 I was notified they had reported negatively to credit bureaus, also I received a letter from RS that same day dated XX/XX/2022 stating they " did not receive a response '' ( not accurate ) I called RS this morning ( XX/XX/2022 ) they ignored my complaint related to the dispute and attempted to persuade me to pay the disputed debt by refusing to remove credit reporting unless I did so. They audio recorded the entire conversation and should have record that they attempted to persuade me to pay it today even though it was disputed and attempts to collect the debt during the dispute should have ceased.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 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: PA

Complaint narrative:
Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 
XXXX XXXX XXXX-Date of Inquiry XX/XX/2020 XXXX  XXXX XXXX  XXXX-Date of Inquiry XX/XX/2020 XXXX-Date of Inquiry XX/XX/2020 XXXX  XXXX-Date of Inquiry XX/XX/2020 XXXX/XXXX  XXXX-Date of Inquiry XX/XX/2020 XXXX XXXX XXXX of XXXX XX/XX/2020 2020

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I got an offer to refer a friend to the chase marriott credit card and that I would receive 40,000 marriott loyalty ( XXXX ) points if my friend opened a credit card. I took advantage and referred someone who opened a new card. This was back in XXXX and I still don't have my bonus points. I've spoken to no less than 5 different chase representatives who have all given me different responses as to why I don't have my points. Responses include : I don't know ; your friend did not open a card ; your friend has to open a marriott account as well as a card ; your friend has to stay at a marriott hotel before you can get the points ; the deadline for the points to arrive hasn't passed yet, they are still being processed ; your points have been transferred, it is no longer chase 's issue, it is now marriott 's issue. I have spent many hours on hold and on the phone trying to get resolution but, I still don't have resolution. I feel like chase duped me and my friend into a promotion that they are not able to honor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I contacted Experian about false and fraudulent addresses reported on my Credit report. Once by certified mail in XX/XX/XXXX. On 3 different occasions by phone on XX/XX/XXXX, XXXX, and XXXX, XXXX for the misleading information to be deleted from my profile. Experian has yet to delete the information requested. Therefore, I am moving forward with filing a complaint due to difficulty with communication.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 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: ALLIANT CREDIT UNION
State: GA

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report it has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: MS

Complaint narrative:
Cash app refuses to give me access to my stimulus payments XXXX XXXX  XXXX they say for my own security I was able to obtain from the IRS the last XXXX numbers of the account that it was deposited to ( XXXX ) and I immediately give this information to Cashapp how come I lost access in the first place was because of confusion I had set up a new account and did not even realize it for almost a year well come to find out long story short someone apparently hijacked my account and im just assuming because I've not been able to talk with anyone from Cash app other than chat message im very disappointed in there customer service and lack of respect for me as a Citizen who simply tried my very best to deal with this in house with them but they refuse to help me at all so this is why im here today I just want and need my money no one will help me cause and i know im not the only person to have similar issues with Cashapp as soon as i figure out how im gon na seek compensation for XXXX  months of XXXX simply because they are pathetic when it comes to Customer Service they should be shut down and never allowed to operate in our Country it's nothing but a safe haven for criminals and scam artist First deposit XX/XX/XXXX second deposit XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 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: MI

Complaint narrative:
This complaint to Experian was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. I sent my request way past 30 Days before but I still didn't receive anything from Experian. Per FCRA, without any response for 30 Days after disputing my accounts should be considered as deleted or removed. 

XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$4800.00} XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$930.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-18 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: EQUIFAX, INC.
State: MI

Complaint narrative:
This complaint to Equifax was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. I sent my request way past 30 Days before but I still didn't receive anything from Equifax. Per FCRA, without any response for 30 Days after disputing my accounts should be considered as deleted or removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 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:
Ive sent in a dispute letter with my facts and law in regards to the inaccuracies and violations contained on my consumer report well over 45 days ago, and Ive yet to receive any investigation results back from the XXXX reporting agencies, XXXX XXXX, Equifax, and XXXX. The law clearly states, failure to investigate and get me back my results within 30 days, give reason to immediately deleted those items that shouldnt be reporting on my report. I feel like Im being taken advantage of and would like for the reporting agencies to delete these accounts immediately so I can continue to move froward and provide for my family. Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 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: PA

Complaint narrative:
Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 
XXXX AUTO-Date of Inquiry XX/XX/2020 XXXX-Date of Inquiry XX/XX/2020 XXXX XXXX-Date of Inquiry XX/XX/2020 XXXX XXXXDate of Inquiry XX/XX/2020 XXXX-Date of Inquiry XX/XX/2020 XXXX XXXX-Date of Inquiry XX/XX/2020 2020

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-18 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: OH

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 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: OH

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint 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