vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-07 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: CA

Complaint narrative:
I have sent letters to XXXX, Experian and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. They were late payments showing on my report and these report is misleading and suspicious and was never late. 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. 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 the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S. Code 1666b.Timing of payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.

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.

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 2022-01-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: CA

Complaint narrative:
I filed dispute with Discover on XX/XX/2021. The final resolution was due 90 days after the dispute. Discover reverse the credit for dispute without any explanation or giving me a chance to respond. Discover mishandled the dispute and reported me to Credit Bureau unfairly and damaged my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 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: FL

Complaint narrative:
My name is XXXX XXXX and I am filing this complaint for myself no third party is involved. I have been going back and forth with XXXX, XXXX, Equifax and XXXX XXXX about this billing error. I have attached one of my previous letters for each bureau and a screen shot that clearly shows me being late in XXXX on XXXX and XXXX on XXXX it also shows me being late in XXXX on XXXX and XXXX on XXXX. The only reason I cant show you that Equifax also has different late payments is because I have a separate complaint with them for mixing my file I was never late thats why this is wrong its a billing error and none of the credit bureaus or this company will correct it. Im sending this through CFPB portal so that my next step can be to file litigation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 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:
My name is XXXX XXXX and I am filing this complaint for myself no third party is involved. I have been going back and forth with XXXX, Experian, XXXX and XXXX XXXX about this billing error. I have attached one of my previous letters for each bureau and a screen shot that clearly shows me being late in XXXX on XXXX and XXXX on Experian it also shows me being late in XXXX on XXXX and XXXX on Experian. The only reason I cant show you that XXXX also has different late payments is because I have a separate complaint with them for mixing my file I was never late thats why this is wrong its a billing error and none of the credit bureaus or this company will correct it. Im sending this through CFPB portal so that my next step can be to file 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 2022-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Checked my credit report. I dont owe XXXX XXXX XXXX . Never been to XXXX, Fl. This is identify theft. Someone use my personal information to get health care

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 2022-01-07 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Service Finance Holdings, LLC
State: CO

Complaint narrative:
This is in response to XXXX The documents that you provided do not show what I am requesting. 

I am requesting a detailed work scope. Our issue is that the contract we have shows materials and room dimensions that were not completed. The contract that XXXX supplied to Service Financial is different from what XXXX provided me with. We need to see what XXXX supplied to Service FinanciaXXXX in respect to detailed work. 

I am also requesting the signed agreement with service financial between the homeowner, myself and service financial. 

Also, just to confirm, Service Financial is claiming they left a voicemail on XX/XX/16 to approve the funding of the loan? I never received a voicemail and only called Service Financial once I received the first bill. I was confused as to why I was being sent bills while the contractors were still in my house. It was around this time that XXXX became very hostile and threatened multiple times to quit. 

Is there a recording of this voicemail that was left on XX/XX/16? What phone number was called? 

At the end, XXXX was unable to complete the project based on the agreement the I had signed with them. ( Ie room sizes, ceiling heights, custom mirrors, shower bench, shower nooks, toilet placement, lighting fixtures, etc ) There were to be major adjustments at the end with everything they failed to do ( as mentioned on the XX/XX/XXXX, XXXX email ). I expected a substantial refund from XXXX as the contract, building specification, and time deadlines were not followed and they knew we were going to have to hire another company to complete the project to our specifications. 

I stopped talking to them when they had the audacity to show up at my house, after dark and start demanding money. If XXXX truly believed that I owed them for the sub-par work, they could have easily put a mechanics lien on the property. They know they did not complete the job as promised. They owe me and the homeowner money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
Took out a loan with Ally Auto Financial XX/XX/XXXX : {$24000.00} -- -- loan amount XX/XX/XXXX : monthly payment @ {$460.00} via ACH XX/XX/XXXX : payoff printed, paid {$23000.00} via ACH payoff from Ally web portal XX/XX/XXXX loan paid in full Called after 60 days for Title- XX/XX/XXXX : Called Ally, no Title keep waiting XX/XX/XXXX : Called Ally, no Title keep waiting XX/XX/XXXX : Called Ally, no Title keep waiting XX/XX/XXXX : Called Ally, no Title keep waiting XX/XX/XXXX : Called Ally, no Title keep waiting XX/XX/XXXX : Called Ally, no Title keep waiting XX/XX/XXXX : Called Ally, no Title keep waiting XX/XX/XXXX : Where in the world is the Title for this car. No one knows, never sent, never processed. So everyone else lied to me? The loan was fulfilled, debt paid. Where is the Title for this vehicle and it should not be this difficult. 

This is fraudulent. To hold the Title hostage for almost a year and every single representative has told me- keep waiting only to find out that it's never been processed. No solution, no one at Ally cares or can help.

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 2022-01-07 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 am a victim of Identity theft and I would like to have my documents looked at and deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: IL

Complaint narrative:
My mom had XXXX recently so I got a forebearance from my mortgage company so I could go home and take care of her. She passed in XXXX. I then found out I had XXXX so I extended the forbearance until XXXX. 

The loan servicer, Lakeview Loan Servicing, told me I could get a deferral on the forebearance and they would send papers. After a day I realized that the cosigner of my mortgage had passed and that would affect paperwork, so I immediately sent his death certificate to the company, who acknowledged receipt. They said they would draw up new papers. 

In the meantime a packet of papers arrived with my cosigner 's information. I called the company, who said they would send corrected documents. 

Two weeks ago a new packet arrived, but with my cosigners 's name STILL on it. 

I called and complained and was told by their loss-mitigation dept that a supervisor had looked at my case and would be expediting the paperwork. 

I called today and they said that it would take another 2-3 weeks. In the meantime they keep sending me warning notices, and just sent me an email saying my deferment deal was no longer on the table. On the phone they said to ignore those notices as apparently one side of the business doesn't know what the other side is doing. 

I suffer from XX/XX/XXXX, and this affair has increased the frequency of attacks to nightly occurrences.

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 2022-01-07 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: AL

Complaint narrative:
The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. The accounts listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX XXXX XXXX  XXXX XX/XX/XXXX {$540.00}, XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00}. Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXXXX/XX/XXXX, XXXX XXXX SERVICE XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX  XX/XX/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 non-monetary relief
Consumer complaint received 2022-01-07 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: TX

Complaint narrative:
I was taken advantage of due to malpractice while several laws were broken under the FCRA by your company. This has caused me financial injury and defamation of character.

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 2022-01-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: LA

Complaint narrative:
At XXXX am on XX/XX/2022, I received a phone call from a man calling from XXXX XXXX ( XXXX ) stating that I owe {$1.00},??? for an outstanding debt for my PayPal credit card that hasn't been paid in quite some time. I notified him that I do not have a credit card, loan, or outstanding debt with PayPal. He then asked me if I could verify my address associated with my PayPal account. I told him that I am not familiar with his company or the debt that he is attempting to collect, so I will not be providing him with any of my personal information. He asked me if I was refusing to verify any information and to resolve this situation and I told him that is correct. After getting off the phone with him, I called PayPal to notify them of the call I received and to verify that there is no outstanding debt on my account. PayPal stated that my account is in good standing and that I have no outstanding debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 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 sent letters to XXXX, XXXX and TransUnion about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. They were late payments showing on my report and these report is misleading and suspicious and was never late. 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. 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 the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation.

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S. Code 1666b.Timing of payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.

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.

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 2022-01-07 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: CA

Complaint narrative:
I have sent letters to Equifax, XXXX and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. They were late payments showing on my report and these report is misleading and suspicious and was never late. 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. 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 the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S. Code 1666b.Timing of payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 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: MA

Complaint narrative:
I am a victim of identity fraud. Someone opened accounts under my name without my knowledge XXXX date opened XX/XX/XXXX Collection date opened XX/XX/XXXX XXXX date opened XX/XX/XXXX XXXX date opened XX/XX/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 2022-01-07 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 reached out to them XX/XX/2021 letting them know they are not using proper reporting practices using metro 2 compliance. They are also directly violating my consumer rights As per Section XXXX ( a ) of the FCRA They are stil reporting late payments and the account status showing past due when in fact this item was not properly verified and is inaccurate and was not removed from my report.

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 2022-01-07 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: PA

Complaint narrative:
I reached out to them XX/XX/2021 letting them know they are not using proper reporting practices using metro 2 compliance. They are also directly violating my consumer rights As per Section 611 ( a ) of the FCRA They are stil reporting late payments and the account status showing past due when in fact this item was not properly verified and is inaccurate and was not removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: PRIMAVERA FINANCIAL, INC.
State: TX

Complaint narrative:
I have a medical account with prima health care insurance. I made a pay on XXXX XXXX and the company lost the payment and failed to reach out or acknowledge the mistake

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I deposited a check that I got from my attorney and the lady at the desk as I deposited the check said partial payment will be available the next day and the other 4 days later after depositing the check I then get a message saying they holding my check which the funds are available. My bank is Bank of America my name XXXX XXXX ss # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation