vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-25 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: GA

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 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: SC

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 ), It 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. I demand that 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 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 non-monetary relief
Consumer complaint received 2022-03-25 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: SC

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 ), It 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. I demand that 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 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 2022-03-25 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Convergent Resources, Inc.
State: UT

Complaint narrative:
I've received repeated robo calls from this company on XXXX area code numbers every day for the past week. I answered a call this week to find out the person at the agency was looking for a XXXX male, can't remember the name she asked for. I told her she had the wrong number and to stop calling my number. She promised to take me off the list but apparently hasn't. I've received calls from XXXX, XXXX, XXXX, XXXX, XXXX, XXXX & XXXX today. The next day I got another call this time from someone claiming to look for me. They always attempt to argue the point rather than follow the law. The woman swore she " knew '' the law but really doesn't. I repeatedly asked her if she understood that she had to notify me first in writing, so I would know what the call was about. She never answered. I reminded her the law states NO robo calling without written notification first. These rough house collection agencies keep breaking the law repeatedly by making repeated and harassing robo calls rather than sending written notification with contact information, prior to making sporadic all day harassing robo calls with no messages left. The only thing they're doing is XXXX me off and forcing me to look for attorneys to sue them! I've blocked every number they've called me from and will continue to do so! I got another robo call from someone named XXXX at XXXX a few minutes ago, asking for XXXX XXXX, that's the 2nd time they've contacted me for a male XXXX who I don't know! I told XXXX if they call me again I'll file suit! She hung up on me but you can bet they'll call again! I want them to! Just so I can sue them and make an example out of 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 2022-03-25 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: TN

Complaint narrative:
On XX/XX/2022, I mail a letter to Experian asking validation of XXXX account. I have not received any information on the investigation. I would like to have proof of who they spoke with, the time and date, and proof the investigation was actively done. 
This is a violation of my right pursuant to15 U.S. Code 1681i. The information on my consumer report should be accurate and true. Experian have been report inaccurate information to my consumer report which have cause a hardship in my obtaining proper housing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-25 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: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 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: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-25 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: VA

Complaint narrative:
I contacted a clerk at the court and the clerk provided me with another set of court documents that I have attached to the compliant that proves these bankruptcies were filed fraudulently in my name. The documents clearly state these three bankruptcies by case number so there is no confusion as to what I am disputing and why. I have tried several times to resolve this issue with Equifax. Please hold Equifax accountable for reporting false information on my credit report even after I provided documentation. Please review the new documents the court clerk provided me. Again, I am submitting the compliant for Equifax to remove these bankruptcies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
I sent two debt validation letters via certified mail on XX/XX/22 and XX/XX/22. They have failed to validate based on laws and keep reporting on my credit. I owe them nothing. The laws are clearly being violated and my name is being slandered.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 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: TX

Complaint narrative:
I MAILED IN MY FTC ALONG WITH CHALLENGE LETTER ABOUT INFORMATION BEING INCORRECT 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 non-monetary relief
Consumer complaint received 2022-03-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: PINNACLE FINANCIAL PARTNERS, INC.
State: NV

Complaint narrative:
i was rushing to get a outfit for a business meet from clothing store named XXXX i thought i activated my business credit card, so it flag the system i try to call them to let them know that i try to make that purchase now my account been frozen for a month now i cant get ahold of anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: IN

Complaint narrative:
I had a PayPal account and went to get money out of an ATM XXXX I was informed to call PayPal. I called PayPal XXXX they told me there was fraudulent activity on the account XXXX that I needed to wait 180 days before being able to get money from my account. The end of the first 180 days was XX/XX/XXXX. PayPal then told me I needed to wait another 180 days. I asked why XXXX they told me to continue to wait. 
I was so angry XXXX mad that at that point I cut up my card XXXX dispose of it. To this day XX/XX/XXXX I have not asked for or received a new card. 
I have called back many times since all this began XXXX still have not been given a reason why my account is closed. 
I talked with XXXX yesterday XXXX XXXX he told me the same information as everyone else has told me. THEY CAN'T/ WON'T help me. XXXX informed me that if anything changes on my account that I would be notified by email or text. 
I have heard this since the very beginning XXXX I still haven't gotten an email or text. 
I am beyond fed up with PayPal XXXX their not giving me any reasons as to why I can't get my money. 
I am submitting this complaint to you hoping I can at least get a straight answer from you. 
I will be waiting to hear back from you in the near future.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: World Acceptance Corporation
State: GA

Complaint narrative:
XXXX, XXXX World Finance is Reporting fraudulent and Inaccurate information Under 15 USC 1681 ( a ) ( 1-4 ) they are violating this Section. They are reporting that the Account/transactions were ( charged off ) per the IRS when a debt is charged off it doesn't get reported because it fall under income which that does report on the consumer file. this is what they are reporting.

( Status Account charged off. {$450.00} written off. {$630.00} past due as of XX/XX/XXXX. ) Important note Account name WORLD FINANCE Account number XXXX .... 
Recent balance {$640.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Account charged off. {$640.00} written off. {$920.00} past due as of XX/XX/XXXX. 

This is what's actually showing up I have been violated. I've also sent Debt Validation letters which they never responded to nor have they provided me proper documentation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I applied for a Capital One Venture XXXX card. I have had a Venture card from Capital One for many years and have outstanding credit. The process Capital One put me through was so difficult and so intrusive that I gave up. I first had a XXXX call with a member of the Capital One application fraud area, in which they sent me a link to provide a picture of the driver 's license, which I did and was told by the representative they got it and no further action was needed. I then received a letter from Capital One saying I had to mail or FAX an image of my driver 's license, and confirm my social security number and home address. I could only be mailed or sent by FAX. I did so. 

A few days later, I was informed that the letter was incorrect and I had to send a copy of my original social security card. After several calls assuring that this was a legitimate Capital One request and not a fraud, I mailed the copy of the SSN card.

I was then informed that the mailed image of my driver 's license wasn't good enough for them, and I would have to mail it again. At that point I withdrew my application. 

I have never been asked to provide a copy of my social security card, let alone having to send this information only by mail or FAX, and it was especially galling given I had already given them my license image electronically ( which they claim to have lost ). This practice is abuse and unreasonable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 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: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
Around XX/XX/2020 I contacted Barclays Card to report fraudulent activity on my account. The company reversed the unauthorized charges but failed to remove the late payment they reported on XX/XX/2020. I tried contacting them recently to try and get this corrected, however customer services informs me that they are unable to go back past 12 months on my account ; therefore unable to investigate the late payment. Im contacting this agency for assistance in getting this late charge removed from my credit 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 2022-03-25 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: DE

Complaint narrative:
I made arrangements on this account XX/XX/XXXX and XX/XX/XXXX. During that time I was unemployed and there was a extensive waiting period for unemployment benefits. I was able to make payments with my income tax return and my stimulus check however with my unemployment still pending I fall behind on all my bills. 
I was in communication with XXXX XXXX. 
The late payments were reported to the credit bureaus. Per the CARES ACT if the borrower makes arrangements of any kind it is to continue to report the same prior to the delinquency. XXXX XXXX failed to report it correctly. And the credit bureaus have failed to comply to the cares act. 
XXXX XXXX Account Number : XXXX Late payments reporting XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-25 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: DE

Complaint narrative:
I made arrangements on this account XX/XX/XXXX and XX/XX/XXXX. During that time I was unemployed and there was a extensive waiting period for unemployment benefits. I was able to make payments with my income tax return and my stimulus check however with my unemployment still pending I fall behind on all my bills. 
I was in communication with XXXX XXXX. 
The late payments were reported to the credit bureaus. Per the CARES ACT if the borrower makes arrangements of any kind it is to continue to report the same prior to the delinquency. XXXX XXXX failed to report it correctly. And the credit bureaus have failed to comply to the cares act. 
XXXX XXXX Account Number : XXXX Late payments reporting XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: MI

Complaint narrative:
I am beyond frustrated with the complete lack of accountability and communication on the part of XXXX in the handling of my escrow account/property tax bills. I have been given no reason to believe that they are capable of appropriately managing my account and have no faith that they will follow through with their commitments in a timely and/or accurate manner due to my experience in attempting to work with them. Details below : XX/XX/2022 - XXXX received notice from the township that the winter property tax bill had not been payed on our property. 


XX/XX/XXXX- I reached out to our mortgage servicer, XXXX XXXX  XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX, via phone to enquire further. The representative requested that I send a copy of the notice/tax bill to their customer service email address and that it would take two days for them to receive the message ( for an email? ) after which a representative would be reaching out to me with an update. 


XX/XX/XXXX- I sent a Notice of Error via email to their customer service email address ( XXXX ) including a copy of the notice of delinquency and the updated property tax bill with late fees. I specifically requested that they contact me with any questions and notify me immediately of any updates. 

WEEK OF XX/XX/XXXX- I called customer service again to follow-up on the issue as I had not received any communication and did not see any indication of a payment being issued in the online account information. I was told that they had received the documentation and were working on a resolution and the payment would be issued to the township shortly. 

XX/XX/XXXX- I received notice that the township had passed the tax bill over to the county for collection and additional fees had been assessed. 

XX/XX/XXXX- I again called customer service and was assured that they were working on the issue and they asked that I submit a copy of the new notice/bill from the county. I immediately sent these documents via email to the specified customer service address and again requested that they keep me apprised of any updates. 

XX/XX/XXXX - In absence of any communication I once again reached out to customer service via phone on XX/XX/XXXX and was told that a work order was pending and that the bill should be paid on XX/XX/XXXX. 

XX/XX/XXXX - I finally received communication initiated by XXXX in the form of a letter that simply stating their appreciation for bringing a non-descript issue to their attention and their assurances that they were working on a resolution. 

XX/XX/XXXX - I again called the customer service line to confirm that the payment had been issued and was told that there was now another work order for payment with a scheduled completion date of XX/XX/XXXX that did not include any specifics concerning the amount to be paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 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:
I MAILED IN MY FTC ALONG WITH CHALLENGE LETTER ABOUT INFORMATION BEING INCORRECT ON MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 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: TX

Complaint narrative:
I MAILED IN MY FTC ALONG WITH CHALLENGE LETTER ABOUT INFORMATION BEING INCORRECT 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