vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AVANTE
State: VA

Complaint narrative:
I received a collection account on my credit file for an account with AVANTE USA. After contacting the company, it was sold to them by XXXX XXXX XXXX. I spoke with the representative and settled the account. I asked if the tradeline would be removed from my credit. She advised yes, that it would take up to 45 days to be removed. I paid the amount requested to settle the debt. It has been over 60 days and the account still reflects on my credit file and is showing still unpaid. This is having a major impact to my credit score. I attempted to contact the company again to follow up and the phone number listed on their website is disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC.
State: CA

Complaint narrative:
My husband is a XXXX XXXX XXXX XXXX  and we decided to refi our home from a conventional loan to a VA loan and take advantage of the low interest rates. We decided to go with Guaranteed Rate due to the LO. XXXX XXXX was exceptional! I noticed in XXXX when they paid the first County Tax installment that the taxes for impounds were not set up correctly. I called on XXXX and advised that XXXX things needed to be fixed. 1. I asked to have the annually tax amount updated to the correct amounts {$2600.00}. That the tax amounts they set the tax impounds up on were incorrect. They set the impound account up with {$4100.00} a year and the actually yearly impounds are {$2600.00}. 2. I asked for the overage in the impound account be refunded. 3. I asked that the monthly PITI payment be corrected as it should be reduced due to the taxes being less. In XXXX I received a refund check for {$750.00} for the overage for the taxes. As I stated my husband is XXXX XXXX XXXX XXXX and he was having some health issues so I dod not follow up again about not correcting the other 2 items. I saw in XXXX that they paid the next installment of taxes due and that they paid the correct amount of {$1300.00} but they still had not corrected the impound overage due to me of apron {$1500.00} nor had they adjusted the PITI payment or updated the actual tax amount. I called back in around XXXX and requested the three times be corrected. 1. I asked to have the annually tax amount updated to the correct amounts {$2600.00}. That the tax amounts they set the tax impounds up on were incorrect. They set the impound account up with {$4100.00} a year and the actually yearly impounds are {$2600.00}. 2. I asked for the overage in the impound account be refunded. 3. I asked that the monthly PITI payment be corrected as it should be reduced due to the taxes being less.I was told it would take up to 10 business days. I called in around XXXX and was given the run around. I advised I would be filling a CFPB Complain and put on along hold when the representative came back she advised me it would be XXXX business days. I logged back into my account after XXXX business days and can see that have changed the taxes to reflect the correct installment amounts but my escrow balance is still showing the overage and my PITI payment has not been lowered. I have been trying since XXXX to get this relieved its clear I can't do it on my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 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: PENNYMAC LOAN SERVICES, LLC.
State: NC

Complaint narrative:
XXXX XXXX XXXX ( PENNYMAC LOAN SERVICES ) claimed I did not make my mortgage payment in XXXX, 2017. 
- I made one payment on XX/XX/2017 to XXXX XXXXXXXX XXXX XXXX XXXX ( the original lender ) ; - I made a second payment on XX/XX/2017 to PennyMac ; - I made a third payment on XX/XX/2017 to PennyMac. 

PennyMac reported my account as late for XX/XX/2017 which is inaccurate. I have reached out to PennyMac and the credit agencies several times to get this removed. However, it remains reported late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1666B : States : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-04-28 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: AL

Complaint narrative:
The credit reporting agencies are not in compliance with FCRA rules when investigating disputes. I am requesting a thorough investigation in a timely manner.

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 2022-04-28 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: AL

Complaint narrative:
The credit reporting agencies are not in compliance with FCRA rules when investigating disputes. I am requesting a thorough investigation in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 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: MA

Complaint narrative:
This is an ongoing investigation by cfpb complaint # XXXX regarding Equifax. 
I just checked my Equifax Credit Report today on XX/XX/XXXX and found out Equifax has recently added additional Fraudulent information into the account XXXX that is currently being investigated by Consumer Financial Protection Bureau. 

In addition to what I already reported. Equifax recently put a New Fraudulent Last payment date of XX/XX/XXXX. Fraud Also a Fraudulent Date reported of XX/XX/XXXX is still there Original Equifax Report has a date of date reported as XX/XX/XXXX. 

Both Original Equifax Report and Current report attached

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings
State: TN

Complaint narrative:
I didn't take out a loan with the company. The SSN # is not have is not mine. 
XX/XX/20 is when it was taken out

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Jim Bottin Enterprises, Inc
State: NY

Complaint narrative:
Complaint against : Our mailing address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Phone : ( XXXX ) XXXX Email : XXXX I was on month to month, new owner took over fraudulently forged a new contract, which I did not know until I demanded a copy otherwise I was sueing, When I got it on XX/XX/XXXX she renewed it till XXXX. I NEVER agreed to renew with her. I went there multiple times in person owner only comes in between 12- 5, when normal people work. She is the only one who can give me " official '' cancelation form. the girl at the desk new and said owner blocked her from printing but I could take a photo. I reached out on XX/XX/XXXX again in person because I had bought a bottle of water she kept my XXXX on file I NEVER AGREED TO and charged it again. I hand wrote one on XX/XX/XXXX Sent text emails she is trying to charge me monthly. I have not been to gym in months, and still getting payment emails and phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 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: CA

Complaint narrative:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: PA

Complaint narrative:
Getting repeated phone calls from XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Affirm Holdings, Inc
State: CT

Complaint narrative:
XXXX, loan originated from Affirm is making repeated attempts to collect on a debt from an order, ID XXXX, placed on XX/XX/XXXX. The order was refused via XXXX, tracking id XXXX. Package was returned back on XX/XX/XXXX. I've been calling the merchant, XXXX for several days, was able to reach a rep on XXXX I believe, was told the item ordered is final sale and discounted which is not stated in advertisement. I've been calling back to attempt to speak with a manager, no one answers phone. Most recently, I've been receiving emails requesting payment which according to payment schedule is now overdue. I've been replying to emails stating item returned, final sale not disclosed in add, no resolution to date.. The form reply received back shows Affirm as the company attempting to collect debt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX ( Account # XXXX Name - XXXX XXXX XXXX ), ( Account # XXXX Name - XXXX XXXX Auto XXXX, ) ( Account # XXXX Name XXXX XXXX XXXX ), ( Account # XXXX Name - XXXX XXXX XXXX ) and has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX ( Account # XXXX Name - XXXX XXXX XXXX ), ( Account # XXXX Name - XXXX XXXX Auto XXXX, ) ( Account # XXXX Name XXXX XXXX XXXX ), ( Account # XXXX Name - XXXX XXXX XXXX ) and has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC
State: TN

Complaint narrative:
Indigo card services issued me a credit card I applied for to try to fix my credit. For the second time now I have paid online with my banking card, the payment does not go through despite money being in the account. Seems like they are waiting until there are insufficient funds on the account to process the payment so they may collect late fees. Upon contacting the company they simply say insufficient funds, nothing we can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 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: FL

Complaint narrative:
I have previously disputed this account with XXXX, XXXX and TRANSUNION and each time the investigation came back as 'verified '. I decided to go directly to the creditor reporting and dispute with them. The creditor was not able to provide any form of documentation to verify this specific account with me. If they are not able to verify this account with me- the alleged account holder - there is no way you were able to verify 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 non-monetary relief
Consumer complaint received 2022-04-28 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: FL

Complaint narrative:
I have previously disputed this account with XXXX, EXPERIAN and XXXX and each time the investigation came back as 'verified '. I decided to go directly to the creditor reporting and dispute with them. The creditor was not able to provide any form of documentation to verify this specific account with me. If they are not able to verify this account with me- the alleged account holder - there is no way you were able to verify 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 non-monetary relief
Consumer complaint received 2022-04-28 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: GA

Complaint narrative:
To Whom It XXXX Concern To Whom It XXXX Concern I am challenging the incorrect information with XXXX XXXX and alll XXXX Bureaus XXXX, XXXX, and Transunion have clearly violated the law and have put on my credit report that the account has been verified but still have not provided any details on how it was verified. The account is being reported as a Bankruptcyby XXXX and XXXX credit bureaus. I personally have a letter from the court house and they said they do not report to any credit bureaus. I have coantacted the credit bureaus on XX/XX/2022 and XX/XX/2022. they both came back verified. 
I contacted all XXXX bureaus XXXX, XXXX, and Transunion as well. I then know that you can not report false information to a consumers credit report. Nothing was ever verified and they as well have never sent me any letters on the process of their verification process. All reporting credit agencies should prepare a consumer report and shall follow reasonable procedures to assure maximum max of possible accuracy of the information concerning the individual. By them reproting this unverfied inforamtion has made it hard for me to secure a home as well as funding. This is inaccurate information and I need it deleted immediately. 



delete a bankruptcy from XXXX XXXX informing them that if they could not reveal how they truly verify these items in it needs to be deleted according to the FCRA they have once again refuse to delete this item which is imploding on my ability to purchase a home and causing me to pay thousands more an interest every year this item needs to be deleted from my credit report if you can not be verified with

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 2022-04-28 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: GA

Complaint narrative:
To Whom It XXXX Concern To Whom It XXXX Concern I am challenging the incorrect information with XXXX XXXX and alll XXXX Bureaus Experian, XXXX, and XXXX have clearly violated the law and have put on my credit report that the account has been verified but still have not provided any details on how it was verified. The account is being reported as a Bankruptcyby XXXX and XXXX credit bureaus. I personally have a letter from the court house and they said they do not report to any credit bureaus. I have coantacted the credit bureaus on XX/XX/2022 and XX/XX/2022. they both came back verified. 
I contacted all XXXX bureaus Experian, XXXX, and XXXX as well. I then know that you can not report false information to a consumers credit report. Nothing was ever verified and they as well have never sent me any letters on the process of their verification process. All reporting credit agencies should prepare a consumer report and shall follow reasonable procedures to assure maximum max of possible accuracy of the information concerning the individual. By them reproting this unverfied inforamtion has made it hard for me to secure a home as well as funding. This is inaccurate information and I need it deleted immediately. 



delete a bankruptcy from XXXX XXXX informing them that if they could not reveal how they truly verify these items in it needs to be deleted according to the FCRA they have once again refuse to delete this item which is imploding on my ability to purchase a home and causing me to pay thousands more an interest every year this item needs to be deleted from my credit report if you can not be verified with

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 2022-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

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 2022-04-28 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: CA

Complaint narrative:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into 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 non-monetary relief
Consumer complaint received 2022-04-28 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into 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