vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
There are several negative items on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That dispute was sent out on XX/XX/XXXX and I never received any reply. I then sent a follow-up dispute on XX/XX/XXXX. It is now XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

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 2022-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Synovus Bank
State: TX

Complaint narrative:
To Whom This May Concern : Since XX/XX/2021, I noticed on 3 credit bureau reports that I had multiple accounts that were charged-off accounts that were still reporting information to my credit profile. I began to send each credit bureau a letter inquiring into the overall general state of my credit profile ; they responded and stated that everything was valid. Again, I sent another investigation letter into the credit bureaus ' investigations and how they found their conclusions. I also sent a letter to each of the companies, which included First Progress Card, XXXX, & Possible XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Bureau of the Hudson Valley, Inc.
State: NC

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 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: MI

Complaint narrative:
in accordance with the Fair Credit Reporting act 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 a account without my written instructions Dept of Ed XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Avant Holding Company, Inc.
State: NJ

Complaint narrative:
I made a few late payments to my Avant credit card on the following dates XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX of XXXX  due to Covid. My family struggled to support for each other during this unexpected crisis and some of my payments were made late. Once I was able to adapt to Covid, all of my payments were up-to-date. My credit score suffered greatly from this pandemic which was out of my control. I called Avant to see if the late payments can be removed from my credit report due to a global pandemic and they refused. I would like to reach a resolution to have my late payments that occurred during this global pandemic removed from my credit report from all 3 credit bureaus ( XXXX, XXXX, and XXXX ) so I my credit can reflect my capability to manage my credit and finances without the influence of a global pandemic that has caused many Americans and other countries across the world to suffer greatly. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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 XXXX you caused me. My information was also impacted by the XXXX XXXX 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 2022-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

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 XXXX 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 2022-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
These accounts should NOT be reporting on my credit file, as the medical center was instructed to bill my insurance carrier before these accounts were falsely placed in collections. There are also duplicate accounts reporting on my credit file ( See below ), which is causing severe damage to my credit worthiness and is preventing me from accessing new lines of credit. These accounts are injurious to my credit, I have sent in XXXX separate re-investigation requests to Equifax for the following inaccurate accounts : Account Name : XXXX XXXX XXXX XXXX Account # XXXX Balance - {$150.00} ( Non-compliant reporting ) Account Name : XXXX XXXX XXXX  - Account # XXXX Balance - {$110.00} ( Non-compliant reporting ) ( Duplicate ) Account Name : XXXX XXXX XXXX XXXX Account # XXXX Balance - {$110.00} ( Non-compliant reporting ) ( Duplicate ) The first re-investigation was started on XX/XX/2022 and was completed on XX/XX/2022 ( 10 days ) and the second re-investigation was started on XX/XX/2022 and was completed on XX/XX/2022 ( 14 days ). On both occasions, the above-referenced accounts have come back as " verified. '' I have requested the method of procedures be sent to me ( via us mail ) explaining the procedures used to verify these accounts and to date, Equifax has ignored my requests, which is my right under the FCRA. XXXX XXXX XXXX  has also failed to provide me a notice of debt, prior to inserting these alleged accounts onto my credit report which is a violation of my consumer rights. I was not provided the opportunity to request validation of these alleged debts. I have disputed these alleged accounts with Equifax, as well as the collection agency, and both parties continue to verify this alleged debt without properly investigating, which is violation of the FDCPA and FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
paypal closed my account and take my money for no reason, i was collecting donations from my friends and family to help my dad because he is in hospital, i am using this account for 6 years, now its closed and they take the donations, they asked me to wait for 180 but my dad is XXXX in hospital, i have read user agreement and i didn't do nothing wrong. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 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: Mr. Cooper Group Inc.
State: VA

Complaint narrative:
Mortgage paid in full on XX/XX/XXXX. 
XXXX mortgage payment was 30-day late. 

Mr. Cooper / Nationstar reported XX/XX/XXXX and XX/XX/XXXX payments as 30-days late to the credit bureaus. 

In XXXX of XXXX, started dispute process for the XX/XX/XXXX ( inaccurate ) 30-day late payment on credit report. 

During new mortgage / home buying process, 2 additional 30-day late payments showed up on this CLOSED account. XX/XX/XXXX and XX/XX/XXXX. Mr. Cooper has not made attempts to quickly resolve this inaccuracies- the new ones or the XX/XX/XXXX. A bad situation suddenly was way worse. Now, closing has been pushed back and we are at risk to lose this house we contracted to buy because Mr. Cooper has made it impossible to get these items fixed. We tried to get them to write a letter stating all of the inaccuracies, but they have struggled to craft something straight forward and effective for the new mortgage people.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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 2022-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

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 2022-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Law Office of Regent and Associates
State: CA

Complaint narrative:
I keep getting debt collection emails for a person I do not know and they keep sending it to me despite me telling them I am not that person. There is no confusion to be had, I have a different name. They even sent me a legal document meant for someone else with sensitive information in it.

Company response to consumer: Untimely response
Consumer complaint received 2022-03-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: WV

Complaint narrative:
During 2020 due to XXXX I lost much of my income from my small business. I applied to get unemployment but was turned down. I contacted my mortgage company - XXXX XXXX XXXX  to let them know I was having financial hardship and they said I was not eligible for refinancing or a loan modification. I asked why and they told me that that is what came back in their system. I have never gotten a straight or real answer from them. I offered to pay in a couple lump sums as I earned the money but they said it was all or none. I contacted the organization in WV to get guidance on what my alternative were and I never heard back ( I left my name and number 4 times over a two week period ). I have never received a notice from my mortgage company but I have had two realtors come to my door telling me that my mortgage is in foreclosure and did I want to sell. I would rather work this out and pay back the amount over a period of time if possible. I just feel I'm out here alone with no assistance, no resources and no where to turn. I feel that XXXX XXXX XXXX is a predatory company who do not share the resources available to home owners in need.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Glass Mountain Capital, LLC
State: IL

Complaint narrative:
I was falsely reported as having an open debt by a medical provider. The medical provider stated I was reported to the debt collector Glass Mountain capital in error and i was provided a receipt which shows proof of payment. For nearly two years Glass Mountain capital has attempted to collect this debt despite being provided proof of payment by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Midland Credit Management INC Cease to provide me all the information i'm seeking. They keep sending me the same paperwork that I have no recollection of. Nothing baring my original signature, a contract showing that I entered into a contract with you, Payoff disclosure, Interest rate disclosure, and credit Insurance. You keep sending me 129 pages of nothing what I'm asking for... 

By me going through this alleged debt dated back XXXX. 

You have already broke the law when you re-aged this alleged debt on my consumer report, stating XXXX and XXXX. Totally against the FCRA / FDCPA. 

Also I'm full aware what a charge-off means. Which means a charge-off is a cancel debt. Which I should have received a 1099c. That I never received, and If you owned this alleged debt. send me my 1099c. 

Also The company that sold you this alleged debt. Has gotten paid from this debt 3 times This company knows that there is an insurance built in finance charge that protects the lender against the obligors default or other credit loss. So In reality they have gotten paid from an Insurance claim, a tax deduction, and from you guys. So if you purchase this alleged debt. Send me my 1099c because you put this charge-off on my consumer report. 

And Like I stated the last time. An Attorney is not a debt collector, and a debt collector is not an Attorney. 

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. 
CC : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : AttorneY, General 's Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Divison of consumer complaints!!! ENOUGH IS ENOUGH!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Credit Management, Inc
State: AR

Complaint narrative:
An Debt Appeared on my XXXX Credit Report that I have no Knowledge of from PROFESSIONAL CREDIT MA for {$400.00} and I would like it removed. Have asked several times with no response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Debt Mediation, Inc.
State: NC

Complaint narrative:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 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:
I have filed 5 years of multiple complaints that Experian supplied my credit report to XXXX XXXX XXXX XXXX ( XXXX ) without my permissible permission on XX/XX/2017. I have repeatedly asked for copy of this permission to prove COAF did not have my permission. Who is protecting my private information because Experian is not? Their response on latest complaint reflected " In accordance with the Fair Credit Reporting Act, entities who have certified to Experian that they have a permissible purpose may inquire about credit information ''. XXXX did not, Experian doesn't investigate other than asking the lying COAF if they had permission and they claim to be reporting correctly. AND BOTH COMPANIES REFUSE TO SEND THE VALID PERMISSIBLE PERMISSION THAT GAVE XXXX THE RIGHT TO RECEIVE MY PERSONAL INFORMATION AND FOR EXPERIAN TO GIVE OUT MY PERMISSIBLE PERMISSION. And Experian doesn't investigate nor is Experian protecting my personal information. I am a squeaky wheel until I am heard in Washington.

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 2022-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
Letters were sent out on XX/XX/XXXX to dispute hard inquires on my account for : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I have yet to receive a response back regarding the investigation. Tried calling on XX/XX/XXXX to check on the status of my dispute customer service rep not helpful and would not provide me with the credit files and sources to verify the inquires.

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