vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This will be my 6th dispute letter sent to XXXX and Experian. 

As a reputable credit reporting agency, I expect that these companies would always provide accurate and reliable information to financial institutions and other organizations that rely on their services. Unfortunately, my experience with these companies has fallen far short of this expectation. 

As mentioned in my previous letters, Trade : XXXX XXXX XXXX with an Account Number XXXX, has long been deleted in XXXX on XX/XX/2023. ( see attached file for XXXX previous feedback ) In addition, I would like to bring to EXPERIAN 's attention the inaccuracies in my credit report regarding my Date of Birth and Previous Address. Despite providing my drivers license for verification, it seems the information has not been appropriately updated. 

These inaccuracies in reporting this account are concerning, and because of these unfair practices and mishaps, I demand that the above-mentioned account be promptly deleted from my credit history due to these errors and oversights.

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 2024-01-12 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: IA

Complaint narrative:
This is a recurring problem. Once again, I won a small amount ( {$100.00} ) through an online app from the Arizona XXXX. The cash prize is awarded in the form of a Vanilla VISA gift card. When I would win these a little more than a year ago, I was able to use the entirety of the cash on the card by converting it into an XXXX gift card. Over the past year, you will be able to find many people on XXXX and elsewhere online complaining that these gift cards have become useless online. You can't use them on XXXX, full stop, let alone use them to purchase an XXXX gift card. You can't send the money ( after a fee ) via XXXX. You can't transfer it to your bank account ( after a fee ) through XXXX. There are tips online about adding a Zip code to your prepaid gift card so you can use it with XXXX, but for me at least, there is no option on the Vanilla website to set up my ZIP code. It feels like the business model of these companies is similar to the heist at the end of the movie XXXX XXXX : Take a little money from a XXXX jar, and nobody will notice, but take money from many XXXX jars, and it adds up to a lot. They are presumably collecting interest on all of these accounts that are collectively worth more to them than it is worth the time individually for all us of poor saps to track down our mere XXXX bucks. It's a scam and I would just like them to give me my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA

Complaint narrative:
They keep emailing, and calling me. Ive requested debt verification numerous of times and just keep getting very rude associates that refuses to verify or send verification. But they know they cant cause its not mines. Just go read the reviews it seems really scammy. They need an investigation open on them. And I want this deleted off me and my wife credit immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please remove all the negative accounts and late reporting from my credit report. Its privacy concern and I never gave permission to reporting in first place. Violation of my privacy had went on with several companies including transunion, XXXX have shared my private source data information with out permissions or consent

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 2024-01-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: NH

Complaint narrative:
I was reported to all 3 credit companies on XX/XX/31 XXXX for the amount of {$980.00} I was unable to pay as I had no insurance to pay

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 2024-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I hereby dispute the validity and accuracy of the account listed below fully and I also request verification of the alleged debt with a copy of the original purchase agreement and the agreement must be with the original creditor and signed by all parties involved. I'm requesting this because I have had different companies reach out to me about the same alleged debt .investigate the completeness and accuracy of every piece of information If its not accurate, please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attn : Equifax security freeze team Please remove all fraud alerts and credit freezes from my Equifax credit report immediately. I am unable to obtain credit or view my Equifax credit report which is affecting my credit worthiness and the ability to establish new credit. Myself or creditors are unable to view my report.

Please remove it immediately Thanks.

Attached to this complaint is a copy of utility bill, drivers license and ssn card..

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Mandarich Law Group, LLP
State: GA

Complaint narrative:
on XX/XX/XXXX, I received a letter in the mail at my private residence. When I opened it, it was a threatening letter from Mandarich Law Group on behalf of XXXX ( never heard of either companies ) on behalf of XXXXXXXX XXXX  which I ALSO do not have an account with. Now the heading and abusive and threatening language is all under the guise of attorneys at law. But then at the bottom it says this is an attempt to collect a debt. Now I want it clarify, Are you Mandarich Law Group suing me on a contract we don't have together? I don't remember giving you any consent at all to contact me, you never reached out before to be sure you could. And the you start a judgement that has NOTHING filed in it and threaten and try to XXXX me into paying something you have provided NO proof I owe. and you should even have my information to begin with. Is your company suing me and on what grounds? provide me where I owe this debt, where I owe it to you and what ground would you have to sue me on hearsay for an alleged debt that ive yet to see proof that I owe to you. statements are not proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX was mailed FTC report to verify all inaccurate accounts, addresses, and inquiries reporting on my consumer credit file. XXXX XXXX failed to provide legal validation off the alleged debts within the lawful time frame. XXXX XXXX is reporting invalidated information this action constitutes Fraud under Federal and State laws.

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 2024-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Village Capital & Investment LLC
State: CA

Complaint narrative:
Subject : Request for Assistance with Credit Report Issue Involving Village Capital Investments Dear Consumer Financial Protection Bureau, I am writing to seek your assistance regarding a critical issue with my credit report involving Village Capital Investments, specifically related to my home loan. 

My name is XXXX XXXX XXXX, and I reside at XXXX XXXX XXXX, XXXX, CA, XXXX. My contact number is XXXX, and the loan in question is number XXXX. 

Currently, I am in the process of selling my home and purchasing a new one, primarily due to the high interest rate on my existing mortgage. In this endeavor, I have been collaborating with the Loss Mitigation department and the VA, diligently following a mutually agreed-upon plan. However, I have encountered significant discrepancies in my credit report. 

Upon review, I found several derogatory marks and an erroneous listing indicating a missed payment for the previous month, even though I have made the payment. This error is detrimentally impacting my credit score, hindering my ability to secure a new mortgage for another home. Without resolving this issue, I risk defaulting on my current mortgage.

In light of these circumstances, I am reaching out to the CFPB for support in rectifying these inaccuracies with Village Capital Investments. Your intervention is essential to ensure my credit report accurately reflects my financial conduct and assists in my housing transition. 

For reference, the contact information for Village Capital 's Mortgage Assistance Department is as follows : - Phone : ( XXXX ) XXXX - Email : XXXX - Address : Village Capital & Investment LLC, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, NV XXXX - XXXX XXXX XXXXXXXX - Website : www.villagecapital.com I appreciate your prompt attention to this matter and any assistance you can provide. Please feel free to contact me for further information or clarification as needed. 

Thank you for your time and support. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Panorama Mortgage Group, LLC
State: LA

Complaint narrative:
Panorama Mortgage Group LLC, transferred my loan from one branch to another servicing department ( branch ) in XX/XX/2023. I made my payment like I usually do on time. Later that month on XX/XX/2023 they contacted me about a missing payment. I explained to him that I already made the payment. They told me to upload the documents showing where I made the payment and I did the same day. I called back to make sure they got the forms I uploaded and he stated they did receive them and this should be resolved by XX/XX/XXXX. I called back to see if it got resolved because I scheduled a payment to come out of my account on the XXXX of XXXX. I kept getting harrassing phone calls about a late payment that is not late and it still continues. When I first make the new payment they stop contacting me until after the XXXX. Then they start calling everyday. I asked to speak to the supervisor and she was no help. I reached out to the previous servicer to see if they had a contact number for there home office. XXXX with XXXX said she will get this resolved for me. XXXX in home office called me on XX/XX/2023 and told me that she has my missing payment and was transferring it to the branch. It is still not posted to my account so i called today and told them that my payment should be posted to the account and it is not. They asked me did i provide the proof that I made the payment and told XXXX that I uploaded the documents in XXXX. Also told her that according to the laws after receiving the proof they were supposed to accredit my account. XXXX then stated there is an error and my documents are not on there can I please re-upload them. I told her they were there when i called in XXXX to make sure they were received so now you are telling me they are deleted. This has been going on since XXXX with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I paid the outstanding balance on my XXXX  account in-store at XXXX XXXX and requested that XXXX unlock my XXXX. To date, they have not done so. XXXX, XXXX has place my account in Collections. Despite the balance on the account being 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 2024-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I paid the outstanding balance on my XXXX account in-store at XXXX XXXX and requested that XXXX unlock my XXXX. To date, they have not done so. XXXX, XXXX has place my account in Collections. Despite the balance on the account being XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Writing to challenge the presence of this XXXX on my credit report, as the filed and reported dates, along with the closing dates, do not match. This is highly worrisome, especially since I possess a court letter explicitly stating that this bankruptcy should not be reported. Furthermore, the involvement of an unauthorized third party adds to the absurdity of the situation.

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 2024-01-12 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
my balance was paid and the account should report current and correct information

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: KY

Complaint narrative:
This debt was a charge off and this makes like the third or fourth company Portfolio Recovery has sold the account to for collection.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I noticed there are two fraudulent accounts that I did not authorize on my credit report that needs to be removed as this is impacting me negatively! Please fully investigate into these accounts and multiple fraudulent hard inquiries as well that are stated in the attached FTC report. I also attached my ID & SSN to verify my identity thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
XXXX XXXX is reporting a collection/chargeoff to the credit reporitng. XXXX is reporting the high credit limit as XXXX. Experian is reporting XXXX XXXX is reporting XXXX. 

Furthermore XXXX is reporting that the date of last payment is XXXX, however they have continued to report a payment history for XXXX and XXXX it is a violation for a chargeoff to continue to report a payment history. 

Additionally, XXXX is reporting the date of last activity as XX/XX/XXXX. Experian is reporting XX/XX/XXXX, and XXXX is reporting XX/XX/XXXX. 

Even with all these inconsistencies, each company continues to respond that the account has been verified as reporting accurately. These inconsistencies prove that no reasonable or proper investigation has occurred. I have been disputing these accounts for a year. 

FCRA section 616 for civil liability for willful non compliance, ( 15 U.S.C section 1681nh states that any person who fails to willfully comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of A- any actual damage sustained by the consumer as a result of the failure or damage of not less than {$100.00} and not more than {$1000.00}. i have suffered damages to my credit profile which has impacted my financial wellbeing. I would like to be compensated by these bureaus in the sum of more than {$100.00} and not more than {$1000.00} for their negligence in causing these violations and damages to 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 2024-01-12 00:00:00
Product: Credit 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Numerous fraudulent charges were applied to my American Express card that I never received because I needed a new one. Every time I call, they seem to have a different story of what theyre doing to try to fix this. They dont seem to know how to resolve this. The charges were in Hawaii and XXXX XXXX. I live and work in New York and have never been in the states and have filed a police report

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I applied for a secured credit card over the phone I offer collateral diversity account land deeds Real estate investments along with the UCC1 filing statement and was denied credit

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 2024-01-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Skrill USA, Inc.
State: CA

Complaint narrative:
We used paysafe credit card payment processing service account # XXXX for almost 2 years. The service fee were ridiculous so is every month XXXX compliance requirement. XXXX decided to cancel the account on XX/XX/2023 and filled the cancellation form online with a completed status. The credit card terminal was disconnect and never used since. At the end of XX/XX/2023 a checking account which was attached to paysafe was audited and was discovered that paysafe made monthly unauthorized withdrawals since XX/XX/2023. The total unauthorized amount is {$990.00}. The merchant was contacted several times and replied as the account cancellation was not completed and no refund. We had to redo the account cancellation on XX/XX/2023 with a competed confirmation again. As of XX/XX/2023 paysafe refused to backdate and refund {$990.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: InvestiNet LLC
State: KY

Complaint narrative:
This debt was a charge off and this makes like the third or fourth company XXXX XXXX has sold the account to for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: KY

Complaint narrative:
My 4 loans with Navient went out of forbearance. I had never had a forbearance only last a month and they didn't inform me it was over. However on my credit report it goes from current to a 90 late and 2 concurrent 120 day lates in XXXX XX/XX/XXXX. It goes from current to 120 days late in XXXX and XXXX In XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Please remove all the negative accounts and late reporting from my credit report. Its privacy concern and I never gave permission to reporting in first place. Violation of my privacy had went on with several companies including XXXX, equifax have shared my private source data information with out permissions or consent

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
Please remove all the negative accounts and late reporting from my credit report. Its privacy concern and I never gave permission to reporting in first place. Violation of my privacy had went on with several companies including XXXX, XXXX have shared my private source data information with out permissions or consent

Company response to consumer: Closed with explanation