vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-25 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:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.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. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of XXXX and XXXX and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HOVG, LLC
State: PA

Complaint narrative:
Bay area credit reported a XXXX debt on behalf of XXXX XXXX XXXX  they never sent me any notices written nor by phone. I attempted to request details and validation of debt and they fail to provide details send bill with total but no details.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: CA

Complaint narrative:
Initiated refinance process with Cardinal Financial on XX/XX/XXXX. Loan still hasn't closed. Company is not very responsive. I've been promised prompt follow-up to my open issues and often received no follow-up at all. I am the only one keeping this process moving but at this point it has grinded to a halt and I have no idea why. I was told that the closing would include payment of my second installment of property taxes, but their extreme delays in closing caused me to miss my property tax payment deadline, so now I'm facing a {$1000.00} late payment penalty from my XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX was denied stating that : " Based on you r application information, application submitted is incomplete or can not be verified. '' XXXX Equifax XXXX Relations : Time since most recent account opening is too short. ( I was approved for a XXXX XXXX XXXX XXXX without issue {$1500.00} XXXX XXXX which is being managed appropriately ). 

Number of accounts with delinquency. ( I have no accounts with delinquency and have a 100 % perfect payment record ) Proportion of balances to credit limits too high on bank revolving or other revolving accounts. ( I am using between 10 - 25 % Credit limit way below 30 % ) Time since delinquency is too recent or unknown. ( There is no delinquency )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
IM A VICTIM OF IDENTITY THEFT, I NEVER AUTHORIZED THESE ACCOUNTS. THSES ACCOUNTS ARE HURTING MY CERDIT SCORE AND I FEEL FURTHER VICTIMIZED BY THE BUREAUS. OLD ACCOUNTS SHOULD NOT BE ON 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 2021-05-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
LL Bean Mastercard closed my account after 14 years of business. I have not carried a balance since XXXX  They did not notify me of the closure, nor was I given any notice of the impending closure or an opportunity to use the card to keep the account open. Closing a 14yo account t affects average age of credit and negatively impacts my credit score. 
I will no longer patronize LL Bean as they are affiliated with this card and bank. 

I URGE CONSUMERS WHO HOLD AN LL BEAN MASTERCARD TO STOP USING IT AND STOP SHOPPING AT LL BEAN UNTIL THEY TAKE ACTION TO PROCTECT THEIR LOYAL CUSTOMERS.

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 2021-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have filed disputes with TRANSUNION about this information and I am uploading additional information to my previous complaint to have this account removed from my credit report immediately. I have contacted the FTC and am now sending this information to TRANSUNION. 
On XX/XX/21 I received an alert that a company called " XXXX XXXX XXXX '' had stated that I opened an account with them on XX/XX/21, had a balance of {$670.00} and placed this information on my report. After filing my dispute, this company then CHANGED the information stating I had made a payment of {$50.00}, ( COMPLETELY FALSE ) to them and Then CHANGED and updated information on my credit report with another credit bureau XXXX XXXX XXXX. 
THIS IS COMPLETELY FALSE! I Have never dealt with this company, or ever had an account with them and This account if fraudulently on My credit report. 
I am requesting that TRANSUNION remove this information immediately.

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 2021-05-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: TX

Complaint narrative:
I disputed lots of fraudulent payments with discover credit card services and I called XXXX letting them know I never applied for a discover credit card and they put the payment in disputes and within months it was denied by XXXX XXXXXXXX payment systems and I lost lots of money and I never authorized these payments in my name and my checking account was takeover by a thief and XXXX  XXXX has a history not giving people money backs in the past and they are not doing there job at all .discover credit card uses XXXX  XXXX as there bank to collect payments and there bank has denied my claim and refused to refund me these fraudulent payments to me .. I never applied for a discover credit card and I would like my money back that was stolen from me or I will consider legal actions

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: DataMax Corporation
State: FL

Complaint narrative:
This new medical collection just appeared on my credit file. I was never informed of this and DO NOT OWE. I have insurance and for any bills, I went to my approved providers which to receive the agreed-upon premium of the insurance company. This is wrong and again I was NEVER called or notified in ANY way.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Agency of Credit Control
State: TX

Complaint narrative:
Agency of credit control did not validate debt. They sent letters to the wrong address and called me while I was on my job. I do not owe any debt and the debt is not validated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I sent correspondence to Equifax via USPS Mail, they have failed to conduct a physical verification. I requested verifiable proof of accounts and inquires listed in my correspondence to Equifax. The disputed information wasn't confirmed or verified, in a timely manner. This reporting agency still hasn't reached out to me. They must comply per their policies and remove reported accounts and inquires that they haven't verified in a reasonable time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: FIRST NATIONAL BANK OF OMAHA
State: CA

Complaint narrative:
On XXXX, my Bank sent me alerts that I had a lot of derogatory information put in my credit report. Most of it was that I had delinquent payments. After this I started to call the different credit card companies and took down my information and started the process. I got paper back from most of them but FIRST BANCARD CREDIT CARD COMPANY. They just sent me a letter stating that the claim was denied and that I had to pay over {$3000.00}. Even though, I did not open the account which was opened many years ago. I called their FRAUD DEPARMENT and they suggested that I must have known about this. I sent them a letter stating that I wanted to see my signature on the original application and on any purchase bearing my signature. Most of the companies deleted the accounts from my credit but this particular one, does not want to work with me. How, am I going to pay for something I did not sign up for or open.

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 2021-05-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc.
State: LA

Complaint narrative:
I received a dunning letter from Central Portfolio trying to collect on a debt that I don't owe I've never heard of them. They have that they are trying to collect on behalf of XXXX XXXX in which I've never done business with. I've wrote them via mail telling them to contact me via mail to provide me with legal documentations showing I've done business with them or XXXX  in which I have not. They constantly call me and I repeatedly tell the to contact me via mail, they get rude and hang up or act like they can't hear me when I ask them to contact me via mail not phone or respond they will note I was uncooperative when they tried talking to me even though I keep telling them contact me via mail. This is not my debt, I have never done business with these people or any of its affiliates. I would like for them to stop contacting me or trying to collect on a fraudulent account as I have never heard of Central Portfolio nor have I done business with XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 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: OneMain Finance Corporation
State: FL

Complaint narrative:
I hired a debt consolidation company to help with payment plans after changing jobs, due to the company closing down that I was employed by in XXXX and having to relocate. The company I am filing the complaint on, agreed to the payment plan. They charged the loan amount off, but left a balance on the loan. It was supposed to be charged off and a XXXX balance. The other debtors charged the loans off correctly, which aloud me to repair my credit. I was using XXXX XXXX XXXX to help fix the errors on my credit report, but had no luck with this company. When I called the company myself, they would not supply me with any information with why it was reporting incorrectly. I was told by the company to contact the debt collection company, which did not provide me with the information I needed. This was the beginning of XX/XX/XXXX. I need the loan to have a XXXX balance. I do not know how they came to the number that is on my XXXX  credit report. It is not on my XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 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: Westlake Services, LLC
State: GA

Complaint narrative:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

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 2021-05-25 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: FL

Complaint narrative:
In XXXX, my ex-spouse purchased a vehicle with a XXXX XXXX XXXX XXXX loan and put me as a co-signer on the loan. He defaulted on the payments, and the vehicle was voluntarily repossessed in XXXX with an outstanding balance. XXXX XXXX sued for the outstanding balance, and on XX/XX/XXXX, I settled in court for {$4500.00}. The court order stated that XXXX XXXX would clear the derogatory remark from all the credit bureau agencies upon my final payment. I paid off the settled amount on XX/XX/XXXX, and confirmed with XXXX XXXX that my debt is settled and the account and case are closed. Their manager informed me that they would notify the credit agencies that the account is paid and closed and remove the derogatory remark. However, XXXX XXXX continues to report that account as derogatory monthly to the Experian credit agency. I filed multiple disputes through Experian with the attached court order and legal documents showing that I paid the settlement in full, and this account should be closed and marked as settled. However, XXXX XXXX denies the disputes and reports the account as derogatory on my Experian credit report. I called XXXX XXXX multiple times to resolve this, but no one ever returns my calls and voicemails or tells me they will leave a message for the manager. I've contacted Experian to try and resolve this on their end but was informed that they could not do anything if XXXX XXXX reports the account as derogatory. The negative remark affects my credit score, I am denied new credit and have to pay a very high interest rate. I am also unable to obtain a mortgage because of this remark. This is the only negative remark on my credit, and it continues to impact me even though I settled and paid off the debt with XXXX XXXX, which refuses to follow the court order.

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 2021-05-25 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: OH

Complaint narrative:
I purchased a vehicle secured by a loan through XXXX. The vehicle was subsequently repossessed and resold. 

In XXXX, I received a postcard stating that I was apart of a class action lawsuit with XXXX and that XXXX is REQUIRED to REMOVE ALL information from my credit reports at all three credit bureaus. 

The information is still reporting as a repossession. 

I called XXXX and they stated that they sent the appropriate paperwork and there was nothing else that they can do.

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 2021-05-25 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: OH

Complaint narrative:
I purchased a vehicle secured by a loan through XXXX. The vehicle was subsequently repossessed and resold. 

In XXXX I received a postcard stating that I was apart of a class action lawsuit with XXXX and that XXXX is REQUIRED to REMOVE ALL information from my credit reports at all three credit bureaus. 

The information is still reporting as a repossession. 

I called XXXX and they stated that they sent the appropriate paperwork and there was nothing else that they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 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: OH

Complaint narrative:
I purchased a vehicle secured by a loan through XXXX. The vehicle was subsequently repossessed and resold. 

In XXXX, I received a postcard stating that I was apart of a class action lawsuit with XXXX and that XXXX is REQUIRED to REMOVE ALL information from my credit reports at all three credit bureaus. 

The information is still reporting as a repossession. 

I called XXXX and they stated that they sent the appropriate paperwork and there was nothing else that they can do.

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 2021-05-25 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: AMA Advisors, LLC.
State: CO

Complaint narrative:
In XXXX of XXXX Homebridge mortgage took away my ability to pay over the phone. This caused me to have to mail the payment to Homebridge 's XXXX XXXX and the payment was applied late due to processing. I did complain and was told that there was nothing I could do about it and it counts as a 30 day late even though there are 28 days in XXXX. 
In XXXX I still had to mail the payment in which I did so by USPs priority mail. I received a letter from Homebridge stating that I had mailed the payment to the wrong XXXX XXXX and it provided me with the correct XXXX XXXX to mail future payments too. the letter was dated XX/XX/XXXX however I still received a 30 day late on my credit report. This caused my Streamline refi to not go through because it shows two thirty day late charges. Homebridge has refused to remove the charges and I can not continue to pay a 5.25 % interest rate which I have been paying since XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 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: AL

Complaint narrative:
On XX/XX/2021, I filed a dispute with XXXX, Transunion and XXXX  about the inaccurate report of the account XXXX XXXX Account number XXXX, XXXX In 2 months I have asked numerous times for a response to their investigation and I have not received anything in response from this bureau, this is a violation of the FCRA 30 day investigation policy. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about this unverified account as of today. I have attached documentation for proof of my complaint. Thank 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 explanation
Consumer complaint received 2021-05-25 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: AL

Complaint narrative:
On XX/XX/2021, I filed a dispute with XXXX, XXXX and Equifax about the inaccurate report of the account XXXX XXXX Account number XXXX, .. In 2 months I have asked numerous times for a response to their investigation and I have not received anything in response from this bureau, this is a violation of the FCRA 30 day investigation policy. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about this unverified account as of today. I have attached documentation for proof of my complaint. Thank you

Company response to consumer: Closed with explanation