vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-08 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: CBC Companies, Inc.
State: TX

Complaint narrative:
Innovis credit reporting agency is inaccurately reporting my payment history. My last payment on my account was XX/XX/XXXX. They are reporting that my last payment was in XX/XX/2021. In addition the comment section of my report is also incorrect. They are reporting payment deferred which is incorrect. How can this company properly investigate my claim in 5 days and advise me that me information is accurate. I am frustrated and have submitted a letter from XXXX XXXX XXXX supporting my dispute and requesting them to update my report. Innovis has failed to follow XXXX XXXX XXXX request. I am seeking assistance from CFPB in resolving this matter with Innovis. 
* The comments below was copied from my Innovis credit report and pasted below * Here are their findings : Initiated : XX/XX/2021 Additional Information : Please be advised that my account is not in deferrement. I would like this status removed from my Credit Report. Please confirm with XXXX XXXX Status : Investigation completed on XX/XX/2021. The item has been verified. Please review the report for the most current information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I downloaded Cash app a device app to help me with my investments buying stock that was linked to my checking account. In the past I deposited money to buy stock. However today my cash app account was blocked because I went over the trading limit. I called cash up at XXXX to advise them what happened to my account I gave the cash tag user ID also the asked me to download a picture of my drivers license to verify mi identity etc so they can unblock the account. Within minutes they started to transfer money from my cash app account and my bank account to unk accounts. They have stated that were doing tests which was a lie. All together they have stole about adding it up about {$4000.00}. I am really upset. Spent the whole day with this company trying to retrieve my account. I called the same number trying to get managers no one help at all. All them that I spoke to did give their names, obviously. Once I called them back they had no record of my cashapp Tag. However I do have the cash app card for proof and all the fraudulent charges on my account. I also saw hundreds of bad reviews from customers about this company stealing from customers and not providing the service that they were meant to provide. Cash app is the worst they should criminally charged. My money is gone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to inform you about an error I noticed on my credit report. I would like to update my credit profile. I am requesting that you remove all the addresses on my credit report that is not associated with any open accounts as I have updated my home address with all of my creditors. 

My name is : XXXX XXXX My current address is : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX My Social Security Number is : XXXX My Date of Birth is : XXXX My Phone number is : XXXX My Email is : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: CA

Complaint narrative:
Since XX/XX/XXXX we have been attempting to work with Fay Servicing on a loan modification or any other assistance to allow us to keep our home. We have been denied with no explanation, denied due to lack of income, denied due to excess equity/assets as well. The reasons change each time and information given by call center representatives is not consistent. Our initial case manager was XXXX XXXX, good luck receiving a call back or response to emails. 20 months later, we are now with XXXX XXXX and supervisor XXXX XXXX. XXXX recognized in the system, after our MANY calls that issue was with their office and not our error with loan modification. In XX/XX/XXXX documents were sent with my wife 's maiden last name. We contacted Fay twice and was told new documents would not be sent that a notary will still assist us. Wrong, was denied by notary at our credit union because name did not match. XXXX collected our payments we had been trying to pay and had new documents sent to us. XXXX tracking and Fay confirmed they received them on XX/XX/XXXX. We were told to keep paying as agreed {$1800.00}, which we have. Today, and the last few days, Fay has refused to take payments due to foreclosure. What foreclosure, we have never been informed of this. XXXX emailed VP of loss mitigation a few months ago, no response. We have not received monthly statements for several months. We have emailed several times just this month asking why we don't have access to full account & why they never send statements. No response. We are also told there is a system glitch that refrains system from accepting our loan modification and cant override template.They are trying to figure it out. Teams and departments, do not communicate with one another. We are trying to keep and save our home but Fay seems to want to keep it for themselves. We have an XXXX statement that shows XXXX is owed, I dont understand where this amount comes from since we have been calling in payment every month. I dont understand why this month, all of a sudden we are not allowed to make any payment. I dont understand why Fay did not and has not worked with us during Covid-19 crisis. Fay was informed several times, I was hospitalized 4 times, my father died unexpectedly, we were exposed by immediate family member and quarantined for almost a month. I was forced to retire due to medical issues and Covid-19. My wife received a paycut to avoid layoff due to Covid. Our credit union was willing to assist with refinancing just so we could get away from Fay but of course, Fay is not reporting our payments so it looks as if we are delinquent. We have also asked why one of the few statements we can access, shows foreclosure attorney fee and no response. Statements attached for review.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 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:
To Whom It May Concern, This letter is formal notice that you have failed to respond in a timely manner to my dispute letter of insert date, deposited by registered mail with the U.S. Postal Service on that date. 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 Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XX/XX/XXXX ), you may be liable for your willful non-compliance. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. You have 15 days to cure. 

For your benefit, and as a gesture of my goodwill, I will restate my dispute. The following information needs to be verified and, following failure to verify, deleted from the report as soon as possible : 1. Please remove XXXX XXXX Account # :XXXX from my report 2.Please remove XXXX XXXX account Account # XXXX from my report 3.Please remove XXXX Account # : XXXX & XXXX from my report 4.Please remove XXXX Account # XXXX from my report 5. Please remove XXXX Account # : XXXX from my report 6.Please remove XXXX XXXX Account # XXXX from my report 7.Please remove XXXX Account # XXXX from my report 8.Please remove XXXX XXXX  Account # XXXX from my report The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 

Under federal law you had thirty ( 30 ) days to complete your re-investigation, yet you have failed to respond. Do not delay any further.

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Sincerely yours, XXXX XXXX _________________________________________

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc.
State: FL

Complaint narrative:
I purchased a {$500.00} Vanilla Visa gift card from XXXX for my wife 's birthday on XX/XX/21. On XXXX XXXX charges for XXXX $ ( in the span of two minutes ) were made on the card to " XXXX XXXX  ''. I've contacted Vanilla Visa Gift card and XXXX XXXX, to no avail.. 
I am reading online that I may be out of luck getting my money back/balance refunded on this scam, due to gift cards not being included on Visa 's liability policies. Somehow, the card was used anonymously with us never presenting the card, and its ' balance is now XXXX. Happy Birthday.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 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: PA

Complaint narrative:
Ive been sending letters to the bureaus about incorrect reporting and nothing has changed they state they cant fix it however inaccurate information is being reported ( XXXX XXXX and equifax report different on multiple accounts Highlighted in the yellow are XXXX highlighted in the orange are XXXX highlighted in the pink is equifax. Accounts are different, date opened are different. Balances are different, credit limits are different past due amounts are different, comments are different, date last active are different, date of last payments are different, there are charge offs with balance amounts, balance amounts are different, my name is different even after sending documents nothing has been updated or corrected Under the law 609 FCRA it states everything must be validated and reported correctly this hasnt happened. Please review exhibits A-V all inaccurate reporting each bureau reports something different.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 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: Veros Credit, LLC
State: CA

Complaint narrative:
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 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: CBC Companies, Inc.
State: TX

Complaint narrative:
Innovis credit reporting agency is inaccurately reporting my payment history. My last payment on my account was XX/XX/XXXX. They are reporting that my last payment was in XX/XX/2021. In addition the comment section of my report is also incorrect. They are reporting payment deferred which is incorrect. How can this company properly investigate my claim in 5 days and advise me that me information is accurate. I am frustrated and have submitted a letter from XXXX XXXX Mortgage supporting my dispute and requesting them to update my report. Innovis has failed to follow XXXX XXXX Mortgage request. I am seeking assistance from CFPB in resolving this matter with Innovis. 
* The comments below was copied from my Innovis credit report and pasted below * Here are their findings : Initiated : XX/XX/2021 Additional Information : Please be advised that my account is not in deferrement. I would like this status removed from my Credit Report. Please confirm with chase bank Status : Investigation completed on XX/XX/2021. The item has been verified. Please review the report for the most current information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: TD BANK US HOLDING COMPANY
State: AZ

Complaint narrative:
My name is XXXX XXXX, phone number is XXXX, email XXXX. 
I am reaching out regarding my auto loan with TD Auto Finance. Back in XX/XX/2021 I made 2 payments to my auto loan, one for the month on XXXX which was late with total of {$520.00} & then one for the month of XXXX on time with total of {$500.00}. Somehow my bank account was charged twice for the XXXX payment of {$520.00} so they refunded me for the one of the charges. However there was some sort of hole or mishap between my bank and the finance company as it caused my account to be shown as not current showing that I made no payment for one of the months. When they contacted me I sent in documents of my bank account showing proof of my payments 3 times and Ive been going back and forth with my finance company for 3 months now. I then got sick with XXXX and was unable to make my payment for the month of XXXX & when i contacted them to get assistance or extension they were very rude and not helpful considering my account is showing as behind already, and they told me to either refinance or they will repossess my vehicle.. So now my account is showing as behind 3 months. I am in a very financial hardship and just need help with either doing a payment plan with them or getting assistance with me loan. I can not afford to pay the full amount due right now and I am still working on paying my other bills as well. I have no way of figuring this out. I tried ro refinance my vehicle but a down payment of {$2300.00} was required due to the negative equity on the vehicle. I am hoping you guys can help me with this please!! Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 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: The Receivable Management Services LLC
State: GA

Complaint narrative:
I received notification of this agency place this collection on my credit reports today. Ive never gone into a contract with this company nor have they proved the validity of this debt. I have no recollection nor have I received notification. 
These rouge collection agencies are taking advantage of Covid, I predatorily adding collections to hard-working persons account without doing their due diligence

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 2021-10-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to inform you about an error I noticed on my credit report. I would like to update my credit profile. I am requesting that you remove all the addresses on my credit report that is not associated with any open accounts as I have updated my home address with all of my creditors. 

My name is : XXXX XXXX My current address is : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX My Social Security Number is : XXXX My Date of Birth is : XXXX My Phone number is : XXXX My Email is : 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 2021-10-08 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: NY

Complaint narrative:
I am writing to inform you about an error I noticed on my credit report. I would like to update my credit profile. I am requesting that you remove all the addresses on my credit report that is not associated with any open accounts as I have updated my home address with all of my creditors. 

My name is : XXXX XXXX My current address is : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX My Social Security Number is : XXXX My Date of Birth is : XXXX My Phone number is : XXXX My Email is : 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 2021-10-08 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 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 submitted dispute letters to all 3 bureaus regarding inaccuracies of dates of late payment and inaccurate accounts on my credit report. One of the accounts were updated but the other 4 were disregarded. This is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ACIMA CREDIT, LLC
State: CA

Complaint narrative:
I didn't authorize this company to have my information nor, did I authorize this account. This account was placed on my credit from a fraudulent account that I didn't authorize and I demand that its removed. XXXX BALANCE { {$2400.00} } This is Fraudulent and not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 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 submitted dispute letters to all 3 bureaus regarding inaccuracies of dates of late payment and inaccurate accounts on my credit report. One of the accounts were updated but the other 4 were disregarded. This is a violation of my rights.

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 2021-10-08 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 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: FL

Complaint narrative:
I was shocked when reviewed my credit report and found late payment on the dates below. 
Creditor : XXXX XXXX XXXX Account # XXXX I was never late 30,60, or 90 days late in the months of XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX I am not sure how this happened. I have always made payments in full and on time to you when I received my statements.my only thought is that there was a billing error with my statement.

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