vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-21 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: MO

Complaint narrative:
TransUnion continue to report a collection account on my credit report from XXXX XXXX XXXX. TransUnion is not complying with FRCA, XXXX is no longer is the collection agency collecting on a debt, the have sold to another company this debt. 

Also, XXXX has failed verify that the debt is mine, and if correct by providing a copy of any original documentation with a consumer contract with my signature on it, which is required under section 609 ( a ) ( 1 ) ( A ) & section 611 ( a ) ( 1 ) ( A ), so in failure to do so, in accordance to section 611 ( 5 ) ( A ) of the FCRA TransUnion is required to promptly delete all information which can not be verified. 

For over a year I have been trying to obtain this, and all parties have failed to correct this, or matter, and I still have not received a contract proof with my signature. I am requesting TransUnion remove this unverified account from my credit report as soon as possible.

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 2022-03-21 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: NC

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 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: NC

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 non-monetary relief
Consumer complaint received 2022-03-21 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: CITIBANK, N.A.
State: TX

Complaint narrative:
The Home Depot/Cbna has XXXX to do a proper investigation and independent investigation. Ive sent several certified dispute letters regarding the inaccurate late payments. XX/XX/XXXX is 30 days late, XX/XX/XXXX is 60 days late, XX/XX/XXXX is 90 days late, and XX/XX/XXXX is 30 days late. 

I've asked for proof that I was late the month Home Depot has reported but they fail to reply to anything.. Home Depot simply ignores my disputes. They think they are simply above the law and they can just ignore it. 

Violation & Inaccuracies Failed to enter the Notice of Dispute within 30 days It is a Violation to report a {$500.00} Credit Limit on a account that has been closed since XXXX The Home Depot Said the account is reporting certified accurate AND correct information. But how can this account be accurate when this account has been disputed 4 consecutive months yet the " Status Date Updated is XX/XX/XXXX. '' That's impossible to be reporting Certified accurate VERIFIED information WHEN THE STATUS DATE HAS NEVER CHANGED XXXX SO THAT MEANS THIS ACCOUNT HAS NEVER BEEN independently INVESTIGATED. VIOLATION OF SECTION 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 2022-03-21 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: Avadyne Health Holdings, Inc
State: TN

Complaint narrative:
I HAVE FILED A DISPUTE IN REGARDS TO THE INCORRECT ITEMS ON MY CREDIT REPORT. 
IT HAD BEEN WELL OVER 30 DAY AND I HAVEN'T RECEIVED ANY INVESTIGATION RESULTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 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: IL

Complaint narrative:
I HAVE FILED A DISPUTE IN REGARDS TO THE INCORRECT ITEMS ON MY CREDIT REPORT.IT HAD BEEN WELL OVER 30 DAY AND I HAVEN'T RECEIVED ANY INVESTIGATION RESULTS. HARD INQUIRYS

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 2022-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PENNYMAC LOAN SERVICES, LLC.
State: NC

Complaint narrative:
I recently in XX/XX/XXXX did a dispute with XXXX XXXX which also affected my XXXX report. The dispute was to show that I paid Penny Mac mortgage off because it was showing that the account was still open. I sold the home and paid the mortgage off in XX/XX/XXXX of XXXX. Prior to selling the home I was in chapter XXXX, which ended in XXXX due to I was all paid in full including my mortgage which I even made XXXX from the selling of the home so the home was not lost to any bankruptcy. The trustee was making the payments from XXXX to XXXX when the house was sold on time every month. Now that the bankruptcy is over its showing on my report that PennyMac did not report anything during the bankruptcy so each month its showing blank no reporting which is fine but at the bottom PennyMac is making a comments or somebody is putting comments in my account showing XXXX to 150 days delinquent. Within other parts of the credit report its showing no late payments. I have lost the ability to get a mortgage now in the middle of waiting to close on my new home because of this new statement on my credit report. I am losing all the money that I put down to hold the home all the money that I put into applying for the mortgage because PennyMac refuses to let them know that there is no 150 days delinquent or 120 days delinquent even though PennyMac did a conference call with factual data and told them there was no 120 days 150 days late now theyre turning around same because I did of voluntary dismissal of my chapter XXXX because I didnt need the chapter XXXX anymore because I was all paid in full with my mortgage that is a reason that theyre giving me for why theyre reporting it late or delinquent when they dont even have any reportings. I have my payments from PennyMac on the PennyMac website which I have printed showing payments made every month no payments were missed at 120 days or 160 days or 150 days or 30 days or 90 days or 60 days they were always paid. PennyMac is ruining my credit and Id like something done about it please. The only reason Im including freedom mortgage is because I try to get a new mortgage and the underwriter ran my credit the first time and everything was fine and then were moving on to getting closer to closing they ran my credit again and PennyMac and added the statement about 120 days delinquent as of XXXX when the account was already closed in XX/XX/XXXX they pulled my mortgage and I am losing all my money that I had invested in the house because PennyMac gave a verbal to factual data that I was not 120 days overdue on a conference call but then they said they wanted a letter and PennyMac is refusing to do it and now PennyMac is putting this on my credit pork with 150 days in XXXX and I was getting Hire instead of XXXX and nothing is working and Im losing everything I have because of them

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
For most of XXXX I have had to deal with LVNV FUNDING LLC making false statements that money is owed to them, I have been called and harassed at all hours of the day, they have called my then, XXXX year old son ( on phone he would use ) and threaten him, yell at him, accuse him of stealing $ from their company, telling him they knew it was really me. LVNV FUNDING LLC did not purchase any debt from the original creditor, they purchased it from the 3rd agency who bought a bunch of debt. When calling the original credit card issuer. they stated I do not have a balance with them. When trying to contact LVNV FUNDING LLC ( in chat they offer ) I was unable to get any important information, I was ignored, I was not given the original credit card agreement when I requested it. LVNV FUNDING LLC is not a loan company and did not issue any type of credit to me. They have lied saying I owe them when I did not sign any agreements and have not balance with the actual credit card company. I am not in a court battle with this group. This company needs to be held accountable for lying, bullying, and misleading people into paying or garnishing wages over debt they did not give. This company buys " debts '' for pennies ( XXXX : {$500.00} debt, LVNV FUNDING LLC pays {$25.00} ) They sue people stating they owe $ XXXX 's fees when they are not owed anything. I do not owe LVNV FUNDING LLC anything and I am being harassed, missing work when my kids needs to be taken care of, due to the lies of this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 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: IL

Complaint narrative:
I HAVE FILED A DISPUTE IN REGARDS TO THE INCORRECT ITEMS ON MY CREDIT REPORT.IT HAD BEEN WELL OVER 30 DAY AND I HAVEN'T RECEIVED ANY INVESTIGATION RESULTS. HARD INQUIRYS

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 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: IL

Complaint narrative:
I HAVE FILED A DISPUTE IN REGARDS TO THE INCORRECT ITEMS ON MY CREDIT REPORT.IT HAD BEEN WELL OVER 30 DAY AND I HAVEN'T RECEIVED ANY INVESTIGATION RESULTS. HARD INQUIRYS

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 2022-03-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CAPITAL CENTER LLC
State: VA

Complaint narrative:
Misleading advertisement by the CapCenter, Virginia. The CapCenter advertises zero closing mortgages. For example, when quoted on-line it shows that for an investment property XXXX fixed loan is priced at 3.5 % and that closing costs are only the taxes to be paid. After application is filed ( XXXX is XXXX ), the company reports that they need to charge a $ XXXX fee because property is " investment '' or charge a higher XXXX ( XXXX higher than quoted on-line ). Both on-line and after application quote have the same information, same purpose, same assumptions and the same income information. This is a predatory lending practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
I noticed that a medical collection account appeared on my credit report for {$1900.00} from Phoenix Financial Services. It is being reported as a medical collection. I disputed the credit reporting and to my knowledge all my medical bills have been paid by insurance. They came back and said the debt was valid. On XX/XX/2022 at XXXX XXXX I called the collection agency Phoenix Financial Services and they advised that they no longer had the account. I advised that if they no longer had the account then they need to remove the account from my credit report. The representative said they will not remove it and referred me to yet another agency called XXXX XXXX XXXX. I called the number provided and was not able to reach a live person to discuss this matter. The number provided was XXXX. To my knowledge if they no longer have the account then they can not report it to my credit report as an open active collection. This is misleading and is considered fraud. I would like this matter investigated and removed from my credit report. Thank you in advance for you assistance!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I recently in XX/XX/XXXX did a dispute with XXXX XXXX which also affected my Equifax report. The dispute was to show that I paid XXXX XXXX mortgage off because it was showing that the account was still open. I sold the home and paid the mortgage off in XX/XX/XXXX of XXXX. Prior to selling the home I was in chapter XXXX, which ended in XXXX due to I was all paid in full including my mortgage which I even made XXXX from the selling of the home so the home was not lost to any bankruptcy. The trustee was making the payments from XXXX to XXXX when the house was sold on time every month. Now that the bankruptcy is over its showing on my report that XXXX did not report anything during the bankruptcy so each month its showing blank no reporting which is fine but at the bottom XXXX is making a comments or somebody is putting comments in my account showing XXXX to 150 days delinquent. Within other parts of the credit report its showing no late payments. I have lost the ability to get a mortgage now in the middle of waiting to close on my new home because of this new statement on my credit report. I am losing all the money that I put down to hold the home all the money that I put into applying for the mortgage because XXXX refuses to let them know that there is no 150 days delinquent or 120 days delinquent even though XXXX did a conference call with factual data and told them there was no 120 days 150 days late now theyre turning around same because I did of voluntary dismissal of my chapter XXXX because I didnt need the chapter XXXX anymore because I was all paid in full with my mortgage that is a reason that theyre giving me for why theyre reporting it late or delinquent when they dont even have any reportings. I have my payments from XXXX on the XXXX website which I have printed showing payments made every month no payments were missed at 120 days or 160 days or 150 days or 30 days or 90 days or 60 days they were always paid. XXXX is ruining my credit and Id like something done about it please. The only reason Im including XXXX XXXX is because I try to get a new mortgage and the underwriter ran my credit the first time and everything was fine and then were moving on to getting closer to closing they ran my credit again and XXXX and added the statement about 120 days delinquent as of XXXX when the account was already closed in XX/XX/XXXX they pulled my mortgage and I am losing all my money that I had invested in the house because XXXX gave a verbal to XXXX XXXX that I was not 120 days overdue on a conference call but then they said they wanted a letter and XXXX is refusing to do it and now XXXX is putting this on my credit pork with 150 days in Equifax and I was getting Hire instead of XXXX and nothing is working and XXXX losing everything I have because of them

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Central Portfolio Control Inc.
State: WV

Complaint narrative:
There is a collection account on my XXXX and XXXX reports that does not belong to me. It is held by Central Portfolio with original creditor " XXXX XXXX XXXX XXXX XXXX I received no written or digital notifications of the {$660.00} charge before it was reported to the credit agencies. I had no luck getting any information from Central Portfolio regarding this charge. It does not fit the timeline of any hospital visits that I have had in the past, and I also have health insurance that would have notified me if they were not going to cover the charge, if it were indeed legitimate. 

I disputed it with XXXX and XXXX, both of which " verified the debt '' which I do not believe to be a legitimate debt owed by me. 


According to XXXX and XXXX : Account opened XX/XX/2021 Balance : {$660.00} XXXX : Reported as collection : XX/XX/2021 Disputed by me : XX/XX/2021 Dispute closed : XX/XX/XXXX. XXXX XXXX : Reported as collection : XX/XX/2021 Disputed by me : XX/XX/2021 Dispute closed : XX/XX/2021 I would like to have these removed from my credit reports and/or obtain assistance in verifying the validity of this account. As stated, I was personally unable to obtain any information proving the account belongs to me, had no hospital visits in 2021, have health insurance coverage, and received no notification from any billing departments prior to the collection account notification. 

Additionally, this is not the first or even the second time there has been a fraudulent medical account reported to the credit bureaus, and if I remember correctly, the prior fraudulent accounts also originated from " XXXX XXXX XXXX XXXX  ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: DISCOVER BANK
State: DE

Complaint narrative:
It is again complaint against Discover Bank. Two previous complaints were about payment of {$500.00} to XXXX XXXX when the debt had already been paid and these payments should not have been made. But now it is the opposite problem. I have outstanding debt to XXXX and {$300.00} should have been paid every month on XXXX but this month ( i.e., XXXX ) payment was not made!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
On XX/XX/2022, I completed an Apple Card credit application and was denied. I do not agree with this decision as my credit was considered and I did not receive the credit in the fair exchange of this process. 

Best Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 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: PA

Complaint narrative:
Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the XXXX XXXX compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to XXXX XXXX compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 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: NY

Complaint narrative:
Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the XXXX XXXX compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to XXXX XXXX compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Io, Inc.
State: VA

Complaint narrative:
Receivable management systems have been trying to collect A {$470.00} debt from patient first from four years ago maybe like 4 1/2 years ago they have been destroying my credit they have been reporting two times a week instead of once a month as they should this is ridiculous at this point Id rather them take me to court and try to sue me for it because if I show the judge what they doing is illegal I have tried to dispute it Ive asked them to remove it its past the time it should be on my credit they dont care they do what they want to do I feel hopeless and I really need the debt removed off my credit What happened is I felt stick at work for years ago I went to the doctors at XXXX XXXX they check your insurance to see if its active it was going to expire two days after that visit they said it was accurate the doctor saw me they must have tried to charge the insurance After the two day market and because that is expired and they couldnt get their money this is not my fault and they have been harassing me And now the law has changed They cant put any days on your credit thats less than {$500.00} they recently reported on my credit and up the balance Please resolve this I rather spend {$470.00} on a lawyer than them

Company response to consumer: Closed with explanation