vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-10 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: FL

Complaint narrative:
I HAVE FOUND INFORMATION THAT I BELIEVE IS FRAUDULENT IN MY CREDIT REPORT THIS INFORMATION IS DEROGATORY AND DAMAGING TO MY CREDIT. PLEASE HELP ME TO CLEAR THIS ERROR.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 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: OH

Complaint narrative:
i went to XXXX XXXX to get my car repaired, XXXX XXXX failed to put a new radiator in my vehicle, they put in a old radiator and my car was not working, i had to go to XXXX XXXX to get car repaired, please see attachment, XXXX took out the radiator that XXXX XXXX  put into my car, the radiator that they put in my vehicle is non repairable, it was used Unfair and Deceptive Acts and Practices Statutes ( Laws ) XXXX XXXX did what we call a deceptive acts and practices ( sometimes referred to as UDAP ).. 

These laws address a wide variety of practices, including things like : XXXX XXXX failed to fix my issue and i had to take to a different shop to have repaired, they charged me XXXX and i want to be refunded for my funds immediately. 

i did not have all the monies at one time so i took out a loan from sunbit, and they refuse to close out this contract after showing them that my car was repaired at a different shop and running just great now XXXX is notorious for lying to their customers in order to gain extra work for things that don't really need doing Sadly, this lead to me spending lots of money that i did not have. 

Breach - The mechanic breached duty of care with defective repair work Radiator was defective out the door, but he stated it was brand new XXXX XXXX XXXX have discovered that XXXX charged me for parts and services they did not provide. I have the defective radiator in my presence at this time. XXXX XXXX XXXX stated they will stand behind me.

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 2021-11-10 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: OH

Complaint narrative:
i went to XXXX XXXX to get my car repaired, XXXX XXXX failed to put a new radiator in my vehicle, they put in a old radiator and my car was not working, i had to go to XXXX XXXX to get car repaired, please see attachment, XXXX took out the radiator that XXXX XXXX  put into my car, the radiator that they put in my vehicle is non repairable, it was used Unfair and Deceptive Acts and Practices Statutes ( Laws ) XXXX XXXX did what we call a deceptive acts and practices ( sometimes referred to as UDAP ).. 

These laws address a wide variety of practices, including things like : XXXX XXXX failed to fix my issue and i had to take to a different shop to have repaired, they charged me XXXX and i want to be refunded for my funds immediately. 

i did not have all the monies at one time so i took out a loan from XXXX, and they refuse to close out this contract after showing them that my car was repaired at a different shop and running just great now XXXX is notorious for lying to their customers in order to gain extra work for things that don't really need doing Sadly, this lead to me spending lots of money that i did not have. 

Breach - The mechanic breached duty of care with defective repair work Radiator was defective out the door, but he stated it was brand new XXXX XXXX XXXX have discovered that XXXX charged me for parts and services they did not provide. I have the defective radiator in my presence at this time. XXXX XXXX XXXX stated they will stand behind me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
i went to XXXX XXXX to get my car repaired, XXXX XXXX failed to put a new radiator in my vehicle, they put in a old radiator and my car was not working, i had to go to XXXX XXXX to get car repaired, please see attachment, XXXX took out the radiator that XXXX accurate put into my car, the radiator that they put in my vehicle is non repairable, it was used Unfair and Deceptive Acts and Practices Statutes ( Laws ) XXXX XXXX did what we call a deceptive acts and practices ( sometimes referred to as UDAP ).. 

These laws address a wide variety of practices, including things like : XXXX XXXX failed to fix my issue and i had to take to a different shop to have repaired, they charged me XXXX and i want to be refunded for my funds immediately. 

i did not have all the monies at one time so i took out a loan from sunbit, and they refuse to close out this contract after showing them that my car was repaired at a different shop and running just great now XXXX is notorious for lying to their customers in order to gain extra work for things that don't really need doing Sadly, this lead to me spending lots of money that i did not have. 

Breach - The mechanic breached duty of care with defective repair work XXXX was defective out the door, but he stated it was brand new XXXX XXXX XXXX have discovered that XXXX charged me for parts and services they did not provide. I have the defective radiator in my presence at this time. XXXX XXXX XXXX stated they will stand behind me.

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 2021-11-10 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Capstone Credit & Collection, LLC.
State: FL

Complaint narrative:
First week of XX/XX/2021, after reviewing my credit reports & noticed a collection item that I do not fully recall. The alleged debt is being reported by Capstone Credit Services, for XXXX XXXX XXXX XXXX in the amount of {$3600.00}. As I understand, I have the right to validate the debt with the collection company. It has been over a month & I have yet to receive and validation from Capstone Credit Services. I specifically asked to cease any and all collection activity until this debt is validated. About a week after sending out the letter to Capstone Credit Services, a representative called me & she was very rude as well as unprofessional. Yelling at me that this debt is mine, and I better take care of it. I do not appreciate being treated this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Dear CFPB : Was told I had a deferral program on my mortgage due to Corona Virus Hardship. Once I wanted to begin payments again, I was assured it was all being deferred to the back of my loan. Once I paid, it was not put to the back of my loan, instead BofA threatened me with delinquent notices, they haven't reported it to credit however they admitted their mistake yet they haven't remedied this. They said I was " misinformed '' and told me I need to work with them on repayment program like ; pay in full, a loan modification and or refinance options. However, my doctor has rendered me totally XXXX, I am trying to find out how to work during COVID and BofA wouldn't qualify me for a loan modification or refinance option due to being on XXXX. Please help, need guidance. 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 2021-11-10 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: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. I have disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureaus but they failed to give me any results or feedbacks about this concern. Below are the accounts that are reporting on my Credit Reports : Late Close XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX Charge Off XXXX XXXX {$71.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$890.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX {$480.00} Date Opened : XX/XX/XXXX Collection XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX {$120.00} XXXX XXXX XXXX XXXX {$790.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
NOD filed XX/XX/XXXX, Notice of trustee sale scheduled XX/XX/XXXX Ive spoken several times to express I want to keep my home. I am experiencing hardship due to COVID, requested consideration for loan forbearance, modification. I was advised recently to submit additional documents which I did. I requested an additional forebearance to XX/XX/XXXX as per XXXX XXXX. Was advised my loan investor was not XXXX XXXX. Directly sent documents I received from servicer of XXXX investor. Was told hed forward it. On XX/XX/XXXX recd acknowledgment from servicer of XXXX XXXX investor. This is dual tracking. I should have been eligible any assistance XXXX XXXX affording it borrowers affected by COVID. Please help. I have never been able to speak to contact listed on letters. One individual didnt realize california non judicial state, told me courts are backed up. Please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
ACH Bank Fraud, On XX/XX/XXXX XXXX XXXX performed an unauthorized transaction for {$23000.00} using a fraudulent business account via JP Morgan Chase. His CCB transaction number is XXXX. JP Morgan Chase has acknowledge that this was fraud but they have yet to return the funds back to my business account with XXXX XXXX. These funds were deposited into my business account from the SBA Paycheck Protection Program. As of XX/XX/2021. Any help would be greatly appreciated. 

Thanks, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WYNDHAM CAPITAL MORTGAGE, INC.
State: UT

Complaint narrative:
XXXX XXXX @ XXXX XXXX reached out to my brother XXXX in regards to our existing loan we financed in XXXX to see if he was interested in refinancing and getting a conventional loan. XXXX did not really understand the bennifits but told XXXX he would be interested in getting more information. XXXX text XXXX saying that it would save him on his mortgage insurance. XXXX never reached out to me directly before pulling a hard inquiry on my credit report. He called me and I was shocked to find out he had already pulled my credit and started the process without speaking to me first. I immediately asked him to resolve this issue and he said he would speak with his manager. THen replied the next day saying there is nothing they could do. I want to report this behavior it is a negative experience that I have to now dispute this with the credit bureaus and don't feel they are taking my complaint serious.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Received letter from " Barclays '' XX/XX/2021 re : needing more info. before they could make a decision. Sent them Drivers LIc. front and back SSI card front and back. I called them and they said to send it, I did. I called Barclays XX/XX/2021 to make sure it was legit and they could not find where they sent me a letter.

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 2021-11-10 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: CA

Complaint narrative:
I have been disputing the following accounts : XXXX  XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX On XX/XX/2021, sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I can still see it in my credit report. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. Misleading False Reporting : This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681. I demand that these accounts be deleted immediately or I will file for litigation due to the XXXX  you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXX did not have staff available to receive payment before it became 30 days past due. I called in to make a payment and a staff member stated the person to receive that payment was not available. When the person called me back to make a payment it was too late and cause me to go 30 days past due. I have asked Experian and XXXX XXXX XXXX to verify with recorded phone calls and how the payment was made. No such thing has been done, and to verify my STORY they created a new payment software because of how difficult it was to make a payment. Which you can verify on their website called XXXX XXXXy how ironic. Please assist with this late payment being reported, and as you can see I have no other late payments on my 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 2021-11-10 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: SC

Complaint narrative:
In service civil relief act. Shouldnt have been on my credit report and I want it removed immediatelyz

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 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: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
In service civil relief act. Shouldnt have been on my credit report and I want it removed immediatelyz

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Solar Mosaic LLC
State: CA

Complaint narrative:
Signed an agreement for a reroof and Solar project with Solar Mosaic for $ XXXX on XX/XX/XXXX, construction company got paid by Mosaic $ XXXX on XX/XX/XXXX. On XX/XX/XXXX construction company abandoned the job started with not passing city inspection regulations, got a settlement by contractor insurance company but now Mosaic wants me to pay the full amount of the loan plus register a lien under my name with my property address on XX/XX/XXXX even before project was approved by the City, Mosaic is letting construction companies to used fictions names and using consumer to scam business insurance and customer, Mosaic is using construction companies that arent following the CSLB regulations. 
So now I have a house with an unfinished roof Lawyer expenses Lost {$39.00} XXXX in damages in my house 38 panels that were never work, no inverters no connection with utilities Debt Collection $ XXXX Contractor company will removed panels abs keep them Mosaic wants his money in full Lawyer fee up to {$10.00} XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 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: DISCOVER BANK
State: OR

Complaint narrative:
Discover Financial Services LLC incorrectly reported my credit card as being 30+ days late in the month of XX/XX/2021. Their own records reflect that I made 2 payments in XX/XX/2021 ( One of which was the XXXX payment ), a payment on XX/XX/XXXX, and another payment on XX/XX/XXXX. I have repeatedly notified Discover Financial Services LLC who admits the information is incorrect, but repeatedly reports that they will not willingly remove the information from my credit report. They have been given over 60 days to correct the issue but willfully refuse to remove their fraudulent reporting, despite several communications from their agents admitting this was done in error. I have requested multiple times that I be contacted by a manager or supervisor and they again refuse to do so. They are well aware of the problem, but refuse to rectify it. I have attached a copy of a communication from Discover 's agent admitting my account was never late. I have also attached a copy of a screen shot of Discover 's website proving my payments were made frequently and on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 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: MI

Complaint narrative:
XXXX refuse to conduct a proper investigation from my dispute, and delete account reporting by email XXXX 

The following are the reason ( s ) why XXXX should be deleted from reporting with XXXX : This account is too old to collect and/or report an open and closed debt in the state of Michigan. Therefore, should be deleted. 

Michigan Limitation of Actions For most collection actions, there is a specific period of time during which a creditor may pursue the collection of a debt. In Michigan, the filing of a breach of contract and/or open account action, for default of a credit card agreement, for example, must be done within the 6-year Statute of Limitations. MCL 600.5807 ( 8 ). The relevant date for determining when the six-year Statute of Limitations begins to run is the date of the last activity on the account, whether it be a purchase or a payment made. For a debt arising out of the sale of goods which is governed by the Uniform Commercial Code ( UCC ), a collection action must be commenced within 4 years after the cause of action has accrued. MCL 440.2725 ( 1 ). In the sales scenario, a cause of action occurs when the breach occurs, regardless of the aggrieved partys lack of knowledge of the breach. MCL440.2725 ( 2 ). Civil judgments in Michigan expire 10 years after the date of entry, but may be renewed for another 10-year term if a motion to renew judgment is filed and an order entered prior to its expiration date. MCL 600.5809 ( 3 ). In order to collect upon a judgment entered in another state, where the judgment-debtor is now living in Michigan, it is necessary to first domesticate the judgment in the appropriate Michigan court . A foreign judgment domesticated in Michigan is subject to the same 10-year date of expiration from the date of domestication, unless renewed by motion prior to its expiration date. MCL 691.1173.

Company response to consumer: Closed with explanation