vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-06 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: PA

Complaint narrative:
I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 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: General Motors Financial Company, Inc.
State: GA

Complaint narrative:
My Account number with General Motors Financial is XXXX. My name is XXXX XXXX. GM Have been reporting my account to the credit Bureaus as late but actually my payments have not been late. In the year of XXXX of XXXX and XXXX of XXXX, I was given a deferment on those two months I paid a fee to have those payments put to the end of the payment book. The customer service representive informed me that a payment will not be due until XXXX of XXXX. She in formed me to pay before or on XXXX of each month if not would be reported late to the credit bureaus.. All of my payments have been paid before or on the XXXX of each month but still Gm is reporting account as late.I do not understand because this is what the customer rep told me.Due to the inaccurate reporting my credit is suffering bad.Thank you very much for your help to resolve this matter. The mix up occurred when I got the two payment defered I think or my payments are posted at a latter date. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Capital one has seized my account for XXXX loan. Stating I did not qualify, I sent all documents ( tax forms ect ). Please note this loan has already been repaid. I submitted repayment letter as well. Capital one stated the are closing my accounts and sending my personal money to lender in which is no longer owned. I qualified for LOAN and FORGIVENESS. With same documents and tax forms I submitted to capital one in which deemed unacceptable but XXXX deemed acceptable and repaid the loan. I have included proof of repayment to lender. Loan is done and over with. In which I fully qualified for anyway!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 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: PA

Complaint narrative:
I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

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 2021-10-06 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: PA

Complaint narrative:
I am very upset with this issue. I sent a letter to the credit bureau on XXXX XXXX, 2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

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 2021-10-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates
State: IL

Complaint narrative:
L J ROSS ASSOCIATES at XXXX XXXX XXXX XXXX, MI XXXX has been sending me collection notices in the amount of {$550.00}. The collection has been reported as past due. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Trident Asset Management, L.L.C.
State: AL

Complaint narrative:
on XX/XX/XXXX I wrote to Trident Asset Management to request a Debt validation. I did not hear from them for over 30 days, so I then wrote them again requesting the debt validation. The second time I sent the letter certified mail. Tracking number XXXX. Tracking showed that they received the second letter on XX/XX/XXXX. It has been over 44 days and still no response from Trident Asset. No letter to say that they received my letters, no debt validation, or anything. I have never received anything from them. No letter, email, call, fax, or text to let me know that I had a potential debt with them. I just noticed it on my credit report. This account was placed on my credit report on XX/XX/XXXX, and it is reporting for the sum of {$610.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: KLS Financial Services, Inc
State: TX

Complaint narrative:
I asked for debt validation in the company via certified mail, they received it on XXXX XXXX2021. They responded a letter print out " validating the debt '' Its clearly something that can be printed or typed in the computer. That is not a proper documents to validate the debt {$150.00}. It is damaging my credit file. I then again follow up few more letter every 30 days, but they never gave me what I am asking for and they continue to report it to the credit bureaus. This is a violation by FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 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: NC

Complaint narrative:
I want you to know that I have been mailing out letters to the credit bureaus about inaccurate information I found on my credit report. 60 days have passed and they have not responded to my letters. This is getting really frustrating. Section 611 ( a ), clearly indicated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. If so, why are those inaccurate data still hanging aroung my credit report when they should have already been deleted as stated above. I can't tell you how stressful this has been to me and I urge you to PLEASE assist me and resolve this once and for all. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
Persons at 5th 3rd bank have threatened me with bodily harm is I continue to try and back with them. This was recorded by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Company closed my account after I filed a complaint with this agency for discrimination. Company refused to notify priopr to clsing my account. Compnay took over XXXX from me and can not account for it. Company did this for filing the complaint and against the terms.Company alos took my SSA disability payment and rfused to release any of it to me. Company says I have an open account but refuses any deposits or withdrwals.

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 monetary relief
Consumer complaint received 2021-10-06 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: NV

Complaint narrative:
To whom it may concern, Pursuant to 15 USC 1681a ( 2 ) ( B ) " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or a similar device '' Should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is in 15 USC 1602 ( 2 ) which is " the term " credit card '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit ''. Notice Congress said any card. The credit card is my social security card. They should all be removed from my report pursuant to 15 USC 1681a ( 2 ) ( B ). I am demanding that you please remove these from my report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41.

I declare that this is a true and factual statement pursuant 28 USC1746.

Sworn : XXXX XXXX Signed : XXXX XXXX SS # 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 2021-10-06 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: EQUIFAX, INC.
State: NV

Complaint narrative:
To whom it may concern, Pursuant to 15 USC 1681a ( 2 ) ( B ) " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or a similar device '' Should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is in 15 USC 1602 ( 2 ) which is " the term " credit card '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit ''. Notice Congress said any card. The credit card is my social security card. They should all be removed from my report pursuant to 15 USC 1681a ( 2 ) ( B ). I am demanding that you please remove these from my report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41.

I declare that this is a true and factual statement pursuant 28 USC1746.

Sworn : XXXX XXXX Signed : XXXX XXXX SS # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 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: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
XX/XX/2021 Contact - Spoke with Amex Bluebird XXXX and Supervisor " Mr. XXXX '' ( worst supervisor role playing customer service XXXX ever! ). Bluebird Account closed and I have no way for paying for XXXX  XXXX  prescription. They hold all the money I have to pay to basic living expense. 
Amex Bluebird - XXXX and Supervisor " Mr. XXXX '' ( worst supervisor role playing customer service XXXX ever! ) stated they will just have to request a check to be sent -That 's another 7-10days with out money for basic living I stated no you should unlock my card and I will withdraw all my funds IMMEDIATELY! 
The dispute of {$85.00} if FRAUD - NO SERVICE was Render, it part of state Attorney General law sue of XXXX XXXX  XXXX  FRAUD SCAM. SAME SCAM in Nevada and I reported to Nevada Attorney General  XXXX. Attorney General XXXX XXXX announced his office filed a Consumer Fraud Lawsuit against XXXX XXXX XXXX for allegedly making false promises to consumers who purchased a home warranty policy. The lawsuit alleges XXXX XXXX XXXX collected millions from Arizona consumers, but used contract exclusions, payment caps, and bad-faith refusals to avoid paying for repairs.Then the vendor charges {$85.00} prior to denial by XXXX leaving the homeowner with NO SERVICE RENDER. SCAM. SCAM. SAME SCAM IN NEVADA with XXXX XXXX  Plumbing! /the {$85.00} is FRAUD- NO SERVICE RENDER-ADVISE XXXX XXXX XXXX  {$85.00} IS FRAUD - NO SERVICE RENDER!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-06 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: Nelnet, Inc.
State: FL

Complaint narrative:
DEPTEDNELNET XX/XX/2013 this is the date this account was opened on my credit report which I want a dispute because it doesn`t belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 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: KY

Complaint narrative:
My account with XXXX XXXX dba XXXX was closed in XX/XX/2021, however, the company has repeatedly refused to update my credit reports to reflect the account as closed. Their failure to do this has brought down my credit score by raising my credit utilization amount. They have been contacted by both himself and experian about this and refuse to update my credit report to reflect closure of the account.

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 2021-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME

Complaint narrative:
All three credit agencies have out dated or missing information, and do not reflect each other in positive info. No creditor, or lender can do a credit check and see all three reporting agencies, all they can see is Transunion, and XXXX, no ability to view XXXX, which is holding the highest scores. I have multiple inquiries on my reports from names that I have never heard of, or applied through for credit checks. 

I have made and continue to make disputes on these sites.

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 2021-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: ME

Complaint narrative:
All three credit agencies have out dated or missing information, and do not reflect each other in positive info. No creditor, or lender can do a credit check and see all three reporting agencies, all they can see is XXXX, and XXXX, no ability to view Experian, which is holding the highest scores. I have multiple inquiries on my reports from names that I have never heard of, or applied through for credit checks. 

I have made and continue to make disputes on these sites.

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 2021-10-06 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: NJ

Complaint narrative:
I mailed out several letters regarding inaccurate and unknown things on my credit report. It has been over 60 days and I haven't got any response or action from them. It is plainly stated in Section 611 ( a ) that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report and I'm asking you to help me resolve this.

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 2021-10-06 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: NJ

Complaint narrative:
I mailed out several letters regarding inaccurate and unknown things on my credit report. It has been over 60 days and I haven't got any response or action from them. It is plainly stated in Section 611 ( a ) that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report and I'm asking you to help me resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: FL

Complaint narrative:
Since XXXX of XXXX when FedLoan Servicing became my student loan servicer ( taking over from XXXX ), FedLoan has been the source of a range of problems. I have experienced poor customer service, getting conflicting information about my loans & what I believe to be an inaccurate payment count towards my Public Service Loan Forgiveness. I have contacted FedLoan by telephone numerous times throughout the past three years only to be told that a report has been made & corrections towards the payment count would be applied, however this has never happened. FedLoan has not counted most of my payments towards PSLF for the three years while I was in an income-based repayment plan during my residency training ( XXXX ). Furthermore after graduating residency training in XXXX, I have been at the same job to this present time that I have verified numerous times through documentation with FedLoan, and payments towards PSLF during this time are missing/have not been applied. I also believe that some of my payments though the XXXX XXXX XXXX XXXX have been allocated in ways that tie me to the higher interest rate portion of my loans. These problems have lead to significant distress & confusion for me, leaving me with no other option but to contact the Consumer Financial Protection Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 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: NC

Complaint narrative:
I sent the bureaus letters regarding imprecise things I found on my credit report. 60 days have passed and they have not responded to my letters. This is getting really frustrating. It's clearly indicated in Section 611 ( a ) that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. If so, why are those inaccurate data still hanging aroung my credit report when they should have already been deleted as stated. I urge you to PLEASE assist me. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: OH

Complaint narrative:
In XXXX of 2019 I was in a hospital for the entire month with complications stemming from my parathyroid XXXX. I am not married nor do I have a significant other so I paid my bills a bit late that month. More specifically, my mortgage with Freedom Mortgage is due on the XXXX of every month but in XXXX of 2019 I paid it on XX/XX/XXXX at XXXX p.m. because of being hospitalized. I have a computer generated receipt with the Freedom Mortgage letterhead on top of it, stating the date, the time and the seconds of the payment. Even though my payment was made on XX/XX/XXXX, well before being 30 days past due, this pathetic company reported me as being 30 days past due to all three major credit bureaus. I talked to them as well as the credit bureaus and even forwarded the receipt from Freedom Mortgage website that clearly stated what time and date my payment was made but Freedom mortgage would not remove the negative payment history from the credit bureaus. This egregious act has caused my credit score to plummet almost 100 points as well as prevent me from doing a 100 % VA XXXX out loan on my home in order to help my XXXX sons, of which I am a single father, pay for their college. I am a XXXXyear-old retired XXXX veteran that XXXX XXXX XXXX and hand in a XXXX  XXXX in XXXX from an XXXX  XXXX and this is the first time in my life that I have ever had a negative remark put on any of my credit reports. I am pleading with someone to give me the help that I deserve. I recognize the payment was not made on the first of the month as is the language in the contract but the payment was not 30 days past due and I have proof stating exactly that! Thank you for whatever help you may be able to give me. 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 2021-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2021, I consumer XXXX XXXX, attempted to obtain my free credit report from the credit reporting agencies and I was getting an error, therefore I can not access this file.

Company response to consumer: Closed with explanation