vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-03 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: SC

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got 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 non-monetary relief
Consumer complaint received 2022-03-03 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: MA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 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: MA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-03-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: World Acceptance Corporation
State: SC

Complaint narrative:
I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group
State: PA

Complaint narrative:
I received a letter from XXXX dated XX/XX/XXXX Indicating that I had an outstanding Velocity Investments LLC debt of nearly {$8000.00} going back to XXXX of XXXX. I responded that this is not my debt. I have never dealt with Velocity Investments, nor with The XXXX XXXX. 
I then received a letter from XXXX dated XX/XX/XXXX asking me to complete a notarized affidavit outlining all of my personal and private information. This affidavit boldly stated on each page not to notify the FTC or any other government agency. 
I called them to tell them I would not offer any personal or private information and that I would file a complaint with the FTC. I also indicated that I would consider having the information reviewed by my lawyer. 
I believe this to be a scam.

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 2022-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
I opened a business checking account online, and now I want to close it. TD Bank is telling me I have to go to a branch to close it, which is very inconvenient. The account has {$0.00} in it, but TD Bank is planning to charge me {$25.00} a month in fees for an account I have asked them to close.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-03 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: PA

Complaint narrative:
I have been reaching out to TransUnion, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from TransUnion and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XX/XX/2021

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 2022-03-03 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Scratch Services, Inc.
State: GA

Complaint narrative:
XX/XX/XXXX : Received notification that the mailing address for checks would change on XX/XX/XXXX XX/XX/XXXX : Payment Sent XX/XX/XXXX : Received reminder notification that the mailing address for checks would change on XX/XX/XXXX *Please note that no late payment notices were sent between XX/XX/XXXX - XXXX XXXX XX/XX/XXXX : Payment Sent XX/XX/XXXX : Payment Sent XX/XX/XXXX : Payment posted to account XX/XX/XXXX : Payment Sent XX/XX/XXXX : Notice 30 day past due XX/XX/XXXX : Payment Sent XX/XX/XXXX : Payment Posted to Account XX/XX/XXXX : Payment Posted to Account XX/XX/XXXX : Payment Sent XX/XX/XXXX : Contacted Scratch via email after multiple chat attempts and phone calls. At this time, I was receiving notices that my account was delinquent, but my account showed a {$0.00} payment due. 
XX/XX/XXXX : Last Payment processed XX/XX/XXXX : Payment Sent XXXX XX/XX/XXXX : Scratch reports account 30 days past due for XX/XX/XXXX, this action drops my credit score XXXX points XX/XX/XXXX : Received notification from XXXX  XXXX XXXX, that payment from XX/XX/XXXX was Void due to not being processed XX/XX/XXXX : Payment Sent XX/XX/XXXX : Scratch responds to my inquiry ( a month later ) with a copy paste of the same email received XX/XX/XXXX - with no further information. 
XX/XX/XXXX : Receive notice account is past due XX/XX/XXXX : Received notification from XXXX  XXXX XXXX, that payment from XX/XX/XXXX was Void due to not being processed XX/XX/XXXX : Sent email to Scratch asking why my payments are not being processed. 
XX/XX/XXXX : Payment Sent XX/XX/XXXX : Scratch updates credit file as " Current '' XX/XX/XXXX : Received response from Scratch pertaining to a PPP Loan, no response to inquiry. 
XX/XX/XXXX : Cancelled Payment for XX/XX/XXXX due to non-response from Scratch ; Amount shown due is {$290.00}, the payments from XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX total {$220.00}. I paid the account bi-weekly and made up any difference with extra payments by the end of the month. 

Through this entire process, I called Scratch at least once every couple of days. They do not call back, I have never reached a person on the phone. I attempted to use the chat as well - no response on chat. I was able to get a copy of the transcript from today where I was in Queue Position 1 for 1.5 hours. The company has not posted any payment sent via Bill Pay since XXXX. They are not on social media, so I am unable to contact them in that way as well to speak about my account and concerns. The information in the Borrowers Portal does not match notices sent. There is 0 % communication available to me as a Borrower to have this concern resolved internally so I have had to resort to reporting their practices to whatever entities I can.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account number : XXXX, XXXX XXXX XXXX Account number : XXXX, XXXX XXXX XXXX XXXX Account number : XXXX, XXXX XXXX XXXX XXXX Account number : 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.

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 2022-03-03 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account number : XXXX, XXXX XXXX XXXX Account number : XXXX, XXXX XXXX XXXX XXXX Account number : XXXX, XXXX XXXX XXXX XXXX Account number : 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 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: WI

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: SC

Complaint narrative:
Hunter Warfield is attempting to collect an alleged debt in which they have not provided proof validating the alleged debt pursuant to 15 USC 1692g. I am a consumer. 
I am awaiting all correspondence requested to validate the alleged debt and an audit trial. I have also requested Hunter Warfield to remove this unverifiable account from any and all credit bureau reports in which they are reporting to and that the debt collectors send me notification of their intent to do so as proof they have ended their investigation. I haven't received a response as I've sent XXXX letters XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: MI

Complaint narrative:
Today i noticed my payment went from XXXX to XXXX, no email notice sent, no letter in mail, no web notice, this is crazy, since my payments started on XX/XX/XXXX i was told per notarized loan modification * XX/XX/XXXX pay XXXX * XX/XX/XXXX pay XXXX - FHA modification escrow was wrong is what they stated * XX/XX/XXXX - told pay XXXX XXXX new escrow analysis done on XX/XX/XXXX To begin on XX/XX/XXXX * Today XX/XX/XXXX see on main payment screen my payment due XX/XX/XXXX is showing XXXX, I am so tired of my payment changing every month with no notice, no letter, no heads up, no email, nothing, i understand there can be escrow shortages but how can you not tell your customer ahead of time, just surprise, for the 4th time this year your payment is changing again, how is this good, people have to budget, we count our pennies, we have only one income and you changed our payment again with out notifying us again, Your agent emailed me the escrow document and could not say why they did not notify us when they changed it again, is that even legal? I thought it was standard practice or at least good practice to notify a customer 30 days ahead if escrow /payment changes, not surprise on the 1st with no notice, please investigate who did not tell or notify us of another escrow analysis on XX/XX/XXXX, Thank you, XXXX XXXX XXXX XXXX XXXX XXXX mi 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 2022-03-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Siggi LLC
State: GA

Complaint narrative:
This company cause my credit to be financial impacted and cause me to file bankruptcy. 
I would like to be apart of the law suit against Omni.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 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: WI

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got 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 non-monetary relief
Consumer complaint received 2022-03-03 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: WI

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got 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 non-monetary relief
Consumer complaint received 2022-03-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Avant Holding Company, Inc.
State: NY

Complaint narrative:
Avant credit card opened in XX/XX/2019. Never once had a Late payment! as I went to pay my monthly bill, I noticed TWO unauthorized charges from a XXXX seller account! I do NOT have any XXXX seller accounts with XXXX and do NOT use this card to buy XXXX purchases. I have in the past, but it was MONTHS ago! I do NOT have this card on my XXXX account. My XXXX was hacked into by a scammer, and now I have had to replace 2 credit cards my XXXX  and this Avant card due to these unauthorized charges from this XXXX seller stuff. I reported to Avant 3 days ago that these were NOT my charges and I have been a victim of identity theft. Even a scammer pretending to be my bank calling and texting me wanting my user ID for my bank account! I explained this to Avant and they proceeded to close the card and reissue a new card, but the balance still remains over the limit because of this FRAUD! theres TWO XXXX seller {$39.00} and a {$59.00} that need to be removed asap! And this has dramatically DROPPED my XXXX  score! Because Avant wants to report a fraudulent balance! How rude of them to do this to a long time customer, especially a customer that has made 100 % payments! I do not recommend this company after what they have done to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Self Financial Inc.
State: TX

Complaint narrative:
I have an account with SELF FINANCIAL INCXXXX XXXX  with the Account # XXXX. This account inaccurately reported late payments from my credit report in XXXX, XXXX and XXXX. I never received a mailed statement where it indicates I was overdue. If I received a mailed statement I would probably make a payment immediately. This creditor violated 15 USC 1666B this is a billing error and paid as agreed on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 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: CA

Complaint narrative:
On XX/XX/21 I applied for a credit card with XXXX and authorized an inquiry of my credit report. One was made at that time to my Experian credit file. The application was declined and no further relationship with XXXX was established. 

But then XXXX made TWO additional inquiries to my Experian credit report on XX/XX/21 and XX/XX/21 without my authorization. 

XXXX was nonresponsive to my requests to remove the inquiries and Experian said they don't allow disputes to be made of inquiries.

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 2022-03-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Carter-Young, Inc.
State: SC

Complaint narrative:
I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am a victim of a scammed transaction. I ordered a steel building and wired in an amount of {$17000.00} on XX/XX/2021 to SunTrust Bank located at XXXX XXXX XXXX XXXX, XXXX AL, XXXX XXXX XXXX XXXX with an account # XXXX. I never received my product and could not get ahold of the seller. After many researches, I found out this was a scam. I asked my bank, XXXX to recall the funds but after many weeks, my bank came back that SunTrust Bank did not respond to their requests. I need SunTrust Bank to give me my money back. 

Thank you.

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 2022-03-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Heartland Resolution Group, LLC
State: TN

Complaint narrative:
Heartland Resolution Group sent me a collection letter dated XXXX XXXX XXXX trying to collect a debt from XXXX. They did not send me notification that they had acquired my debt and did not verify my debt. I had been receiving collecting calls from them as well before I changed my number. They are trying to collect on a debt that is over 11 years old! This is unacceptable and violates the Fair Debt Collections Practices Act in numerous ways. I called them once I recieved the letter and they told me the client withdrew their request to collect the debt and not to worry about it. I asked if I will receive a letter saying that and they told me maybe.

Company response to consumer: Closed with explanation