vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TAYLOR MORRISON HOME FUNDING, INC.
State: NC

Complaint narrative:
I wanted to build with Taylor Morrison at their XXXX subdivision. It was the last lot and the sales Manager stated another buyer was waiting to sign a contract. 
Their loan officer had also said I would qualify for an amount of loan I did not think I could qualify for. With the high pressure to sell that last lot and excitement of qualifying for a big loan I made an earnest deposit for {$20000.00} ( XXXX XXXX dollars ). I did not even have the whole 5 % of the sales amount ready which would have resulted to an earnest deposit amount of about {$31.00}, XXXX. 
So, I signed a contract with Taylor Morrison about XX/XX/XXXX of 2020 with the $ XXXX deposit. About XX/XX/XXXX, after reviewing the sketch of the proposed building I sent a clarifying email to the sales agent to understand what I am getting and to emphasize the importance of a downstairs guest suite and one master suite on the main and other things of concern such as dedicated study for work at home capabilities. The sales Manager never replied. Instead I got an email asking me to survey my experience during sales. 
I then indicated that I will not fill out a survey until my questions were answered. 
After that then the agent texted me and said he was on vacation. 
So by early XXXX, the agent said no changes to the proposed building will be accepted and that none of those options can be honored. Then I made him aware that I will have to cancel the contract as the building does not meet my needs. He then said I would lose my earnest money deposit of $ XXXX. Later, I noticed that they asked an attorney to respond to my emails. The attorney stated that Taylor Morrison is not admitting any wrong doings but is willing to give 50 % of my deposit back if I would keep keep my mouth shut. Then I stated that losing $ XXXX is a big deal for me. Then he said I should wait for six months and apply it to another Taylor Morrison subdivision. I said that is reasonable provided the subdivision is in my county and I am assigned to a contact person who knows this agreement and will help me to make it happen. 
Since then, I have sent three emails about two weeks apart to the attorney and no one is responding or telling me anything. Meanwhile, Taylor Morrison has sold the lot I deposited my hard earned {$20000.00} on and yet holds tight my money and yet silent about it despite my several inquiries to resolve this. Please, I need help to recover my money so I will not be homeless. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX has now been inaccurately reporting information on my credit report for the past 4 years. The reporting consist of many inaccuracies as listed below : Inaccurate Reporting of Account Closed : XXXX, XXXX, XXXX Amount : {$630.00} This is false. This account was opened and closed in XXXX, and was also later included in my bankruptcy that was filed in XXXX. The amount is listed as charged off and bad debt, but the creditor is still reporting a balance owed, despite this account being discharged in bankruptcy. The creditor has also been reporting misleading information about my account closure date, in which, it keeps the account relevant and currently hurting my credit score and report. This is an unfair practice and unethical. This was closed over 4 years ago, and not on XX/XX/XXXX. 

Bankruptcy File Number : 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 2021-05-05 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Universal Payment Corporation
State: RI

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-05 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:
Im filing a complaint on the Bureaus for not responding to my disputes after 30 days have past. According to the FCRA Section 611 ( a ), it plainly 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 40 days days so they should be deleted promptly. 

On XX/XX/2021, I sent letters to the bureaus concerning false reporting of unvaildated and unverified accounts on my report still haven't heard a response. These furnishers need to abide with the LAW and stop trying to take advantage of the lil guy. 
I am the original creditor and only I can validate these debts, and I Do Not valid any of these accounts.

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 2021-05-05 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:
Im filing a complaint on the Bureaus for not responding to my disputes after 30 days have past. According to the FCRA Section 611 ( a ), it plainly 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 40 days days so they should be deleted promptly. 

On XX/XX/2021, I sent letters to the bureaus concerning false reporting of unvaildated and unverified accounts on my report still haven't heard a response. These furnishers need to abide with the LAW and stop trying to take advantage of the lil guy. 
I am the original creditor and only I can validate these debts, and I Do Not valid any of these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: CA

Complaint narrative:
On several occasions, Firstmark Services has made promises of applying a Natutal Disaster Forbearance to my XXXX XXXX loans for wildfires experienced in XXXX County. I have had over ten contacts with this company, and on each call, they state they are submitting this to be applied and expedited, each and every time, most recently today, XX/XX/21. Meanwhile, my account continues to grow more delinquent during a time of severe hardship and Firstmark has not honored their promise of applying the forbearance to my XXXX XXXX XXXX XXXX XXXX loans. This company is absolutely subpar in terms of customer service, has caused me great distress over many contacts and still refuses to honor their promise to apply these forbearances on multiple calls spanning four weeks now. This matter is time urgent and requires immediate resolution prior to credit reporting in 6 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 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: CREDIT ACCEPTANCE CORPORATION
State: TN

Complaint narrative:
According to federal law 15 USC 1605 ( 5 ) it states that the insurance protecting the creditor against the obligor 's default or other credit loss, this is clearly violation of the law to report with profit loss write off. I am formally requesting a copy of any documents, bearing my signature, showing that I have a legal binding contractual obligation to pay you, I am requesting you to sent the wet ink contract bearing my signature to be sent to me upon receiving this 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 2021-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Google Compare Credit Cards Inc.
State: MA

Complaint narrative:
I enrolled in an offer on Google Pay to use to earn 20 % cashback ( up to {$50.00} maximum ) when using Google Pay  at XXXX. I verified that I was enrolled in the offer in the Google Pay app prior to completing the transaction. Please see attached receipt from XXXX detailing the amount of this transaction of {$170.00}. Shortly after playing the order, a pending cashback of {$34.00} appeared in my Google Pay account. However, this ended up disappearing from my account. I speculated that this may be due to a *DIFFERENT* transaction with Google Pay at XXXX  that ultimately was refunded ( see attached ). I reached out to Google Pay regarding this speculation. After their investigation, they determined that I was correct and that I should be credited for this amount ( see attached ). Despite stating this and despite two additional attempts at following up with no response from Google Pay, the amount still does not appear. This is false advertising.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 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: CITIBANK, N.A.
State: MD

Complaint narrative:
In XX/XX/XXXX, I contacted the three credit bureaus, creditor XXXX XXXX, and creditor Citibank , N.A . to dispute and request removal of negative account information ( 30 day late payment history ) from XX/XX/XXXX through XX/XX/XXXX, for two XXXX XXXX accounts and one Citibank account. I received a response stating, " the FCRA requires the accurate reporting of account history and the investigation shows the information on the credit report is correct. '' I was enrolled in a financial debt management program with XXXX starting XX/XX/XXXX. Citibank and XXXX XXXX, along with other creditors, approved of the proposal by XX/XX/XXXX. According to the credit reports, the late payments occurred during the first 90 days of enrollment. I was not allowed to pay the credit card company directly once I was enrolled in the program. My payments were managed by XXXX and I was not in control of the payments nor was I aware that any payments were late. No other creditors who participated in the program with XXXX reported negative information during that time. I paid all outstanding balances and successfully completed the program in XX/XX/XXXX. 

In XX/XX/XXXX, contacted XXXX and they informed me that both XXXX XXXX and Citibank approved of the proposal and received on time payments. I participated in a phone conference with XXXX and a XXXX XXXX Debt Management representative named Ms. XXXX. I also submitted supporting documentation to the credit bureaus and creditors that shows the date I was enrolled in XXXX. I also pointed out that I had years of on time payments prior to my enrollment in the financial debt management program. 

As a consumer in the program and no longer in direct contact with the creditors, I had no control of nor knowledge that the payments were paid late since they were made by a third party. According to XXXX, the payments were not submitted late but the creditors reported that they were. Furthermore, a review of my account will reflect that I had several years of on time payments prior to enrolling in XXXX. If I would have known there was going to be an issue with payments for the first 90 days, I would have worked out an arrangement between XXXX, Citibank, and XXXX XXXX to continue making on time payments and to preserve my positive credit history to avoid having the negative information reported to the credit bureau. 

Based on the circumstances in this case, including my past history of several years of on time payments prior to enrolling in XXXX, and payment of the debts in full, I requested that the 30 day late payment history from XX/XX/XXXX - XX/XX/XXXX, from Citibank and XXXX XXXX accounts be removed from the credit bureau reports but my request was denied.

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 2021-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Revolut Technologies Inc.
State: WI

Complaint narrative:
My sister made a transaction on XXXX of XXXX with XXXX XXXX, I've tried to deposit my funds to my personal account on XX/XX/XXXX, but XXXX canceled my attempt and asked to proof my identity, so I did : I sent them my personal photo with holding my DL in hands, sent them XXXX statement, SSN number, but it wasn't enough for them and XXXX decided to lock my account and freeze all my funds due to suspicious activity. after 14 days of reviewing my claim I contacted them again and they said that they can't do anything about and I have to file a claim at their corp website. I've done that as well. after 14 days no one called me either. I tried to contact XXXX online agent again but they locked my access to it and just didn't respond me back for 24 hrs already and counting ... ... ..

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

Complaint narrative:
I have reviewed a copy of my credit report and I show company XXXX XXXX account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.

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 2021-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Javitch, Block & Rathbone LLC
State: TX

Complaint narrative:
Disputed several times with credit bureaus, disputed with XXXX, even reported to Federal Trade Commission. 

XXXX now is submitting to a new collection agency after failed attempts to collect. This has been a dispute several times and becoming so frustrating to find a new collection agency harassing called XXXX 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 2021-05-05 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: STATE EMPLOYEES CREDIT UNION
State: VA

Complaint narrative:
I have received a copy of my credit report and it shows company XXXX XXXX XXXX/XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$1000.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Its been over a year and I have had severe difficulty resolving fraudulent identity theft account that appear on my credit report, I have disputed the accounts online, mail, phone and with a Dedicated Fraud Resolution Specialist provided by experian with my premium plan for {$19.00}. The fraud resolution specialist is suppose to stay in contact with me and follow a protocol to get the identity theft resolved. The lady XXXX who is assigned to me has only spoken to me once and has not answered my calls or emails since our initial conversation. I have supplied experian with my FTC report, police report and notarized affidavit that they requested so that the accounts could be removed. They have repeatedly claimed the accounts were verified and completely ignored the identity theft even though the creditors XXXX, XXXX and XXXX do not have any proof or original contracts bearing my signature only bills that resulted from a thief using my information. Both companies stated someone called in and opened accounts using my social but havent provided any proof besides a generic bill showing whats owed/charged. Every time I call to speak to XXXX she is not available, experian is promoting a misleading product and violating several of my rights as a consumer under the FCRA, FDCP and TILA.

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 2021-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: TX

Complaint narrative:
I have called on XXXX XXXX on several dates asking the remove false collection account from my XXXX credit report. Most recent contact was XX/XX/21, spoke to collection agent and supervisor of collection agency, neither contact was able to find an account in my name via searching via my SSN, name, Dob, or address. I asked them to report to XXXX and remove it and they said they are not able to do that. I asked if they could research the issue and they said i needed to do the research which I did already. They provide no assistance for an account they are reporting as a collection account in my name. Name of the collection company XXXX XXXX XXXX XXXX XXXX XXXX XXXX IAXXXX ( XXXX ) XXXX-XXXX

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

Complaint narrative:
I have received a copy of my credit report and it shows company XXXX XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$1000.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have received a copy of my credit report and it shows company XXXX XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$1000.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

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 2021-05-05 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: NY

Complaint narrative:
XXXX XXXX  aka XXXX XXXX XXXX XXXX refuses to update my credit file with The Tbrer major credit bureaus XXXX Equifax and XXXX .This a credit card is paid in full. Every month XXXX XXXX takes between 7p and 74 points against my fico score. It's wrong .it appears that this ba k has cut a deal to get paid to continuously take points to keep my score from improving so credit companies like XXXX XXXX  can continue to get paid for posting inaccurate information. This continuous practice is disparate for me as a person of XXXX and it also keeps me at a disadvantage of getting credit or a loan which is unfair. Every month I please with XXXX XXXX to update and they continue to keep my profile of XXXX XXXX in the negative. This appears discriminatory and deliberate. It's been over a year now and XXXX XXXX willmot update my credit profile thus allowing fico to improve my scores. It's simply no reason for this time of treatment especially when the account is paid .this is a honest attempt to remedy this problem otherwise I will have no choice but to bring XXXX XXXX dba XXXX XXXX. 
This practice is hindering all the credit bureaus with my profile.

Company response to consumer: Closed with explanation