vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I have not received any information regarding the investigation and it has been well over 30 days. These items need to be removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Bureaus have not responded to any letters since 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 2021-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Bureaus have not responded to any letters since septemeber.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 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: AFNI INC.
State: IN

Complaint narrative:
I have not received any information regarding the investigation and it has been well over 30 days. These items need to be removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I disputed a {$110.00} charge for XXXX XXXX because I canceled the account over a year ago. Amex initially processed a dispute and did research. The company I had XXXX with, called XXXX XXXX said they sent a renewal notice to XXXX, but the XXXX  account is under XXXX and I no longer have that account because it was canceled over a year ago. I believe the amount I'm being charged is unfair because I canceled this account and should not be charged. 

Additionally, the Amex account was paid and closed and now, this potentially opens me up to more charges with interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: TX

Complaint narrative:
This email is being sent with the hope of resolving a major issue that we currently have with a XXXX XXXX XXXX Back in XXXX of this year we ordered a new home through the XXXX XXXX XXXXXXXX. We placed an order for a home direct from the factory in XX/XX/2021. The home was delivered to the dealership at the beginning of XX/XX/2021. Both ourselves and our general contractor made it clear to this dealership that our property was not ready for delivery and set up. However the dealership went ahead and delivered the new home on our property XXXX of XXXX and it has been parked there ever since. It was only blocked up and left due to the fact that none of the utilities were available to be hooked up to yet. Just this past week our general contractor finally got clearance to install a sewer system. Just a few days ago Vanderbilt Mortgage called us and told us our mortgage is already due. We explained to him that the house is only parked on our property and that no installation has been done. Vanderbilt Mortgage then told us they were told by the dealership that the house was transported and ready back on XX/XX/XXXX, which was a obvious lie. The house is just sitting on our property. We were told by the dealership that once the house was completed and ready to move into, our mortgage payments would come 2 months later. The reason we chose to have a XXXXXXXX XXXX is because I work for a company that has purchased many of these homes. They are very high quality and well built homes. However this dealership has lied to us. They made the promise that once our home was ready and that we took the keys, the first mortgage payment would not be there until 2 months later. Now we're paying two mortgages because our current house is not sold yet and our new home is not anywhere near being ready to live in yet. Let me make it quite clear both I and our general contractor made it clear to the dealership our land was not ready for that home and we told the dealership to keep it there at their lot until our lot was ready. However Vanderbilt Mortgage has been told that the house was moved, set up and ready on the XXXX of XXXX. It would appear the dealership was in a rush to get it off their lot so they could have funds in their account. This is an obvious breach of our agreement with the dealership. We are wishing for your immediate attention into this situation. Again I must emphasize that we still have faith that this is a quality home but it's not in our possession yet so why are we paying for it already? It also must be noted we don't even have the keys or any access to this home. Thank you for your time and attention to this matter.

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 2021-12-13 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: TX

Complaint narrative:
On XX/XX/2021 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
I was offered a fraudulent job through XXXX for a remote XXXX XXXX position. 
After filling out various paperwork, I was prompted to have an area set up for my home office. 
When they were prepping me to do so, they said they were going to send me soft checks to deposit in their vendors account and it would be delivered next day. 

The checks were sent through email and they wanted me to deposit through mobile deposit and when the funds were available I was told to withdraw the money and deposit it into a vendors account. 

The first check was withdrawn XX/XX/2021 of the amount {$4600.00} and the second was XX/XX/2021 of the amount of {$4500.00} The bank resolved the mobile deposits portion but I am in a horrible position because i withdrew the money without the acknowledgment that i was getting scammed.

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 2021-12-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Google Compare Credit Cards Inc.
State: CO

Complaint narrative:
I disputed a charge of {$100.00} with XXXX XXXX on a service that was canceled within the time period. The case was closed in my favor. Now, they rebilled me without warning. There service is no longer available to me that was paid for and I'm charged for it thru my credit card company. So the company made XXXX XXXX recharge me without the service available. That's fraud. And XXXX XXXX will not refund the amount I'm out. Trying to resolve this with the merchant, XXXX XXXX, they keep saying I will get a refund then backtrack saying my bank gave back the charge. They are accusing XXXX XXXX of stealing my money. But yet while trying to get this resolved with XXXX XXXX, they say I have to take it up with the merchant. Everyone is blaming everyone else and I can't use the service and yet my money is taken by XXXX  XXXX. And XXXX XXXX blames Google play.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 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: CA

Complaint narrative:
Equifax, XXXX, & XXXX credit agencies had refused to remove accounts on my credit report related to fraud and I have sent them proof on several occasions & they still refuse to help me. It has been a couple of months and they still not removing this information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: CT

Complaint narrative:
So I had a Debt with XXXX they sold my debt to LVNV FUNDING LLC I was told by a lawyer it is against the law so they keep calling me XXXX to XXXX times a day I have Disputed it with all three credit bureau and XXXX different times

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 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: GA

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report and to this day, over 60 days later, I have not received a response as of yet. I feel like I'm being taken advantage of and being ignored of 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 and it has been over 60 days so they should be deleted promptly. 
I demand these accounts be deleted immediately or I will file for litigation due to the XXXX you've 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 2021-12-13 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: TX

Complaint narrative:
On XX/XX/2021 please be sure to enter dates that all letters were sent. 

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2021-12-13 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:
On XX/XX/2021 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2021-12-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: LA

Complaint narrative:
I have disputed this account through XXXX several times and also filed a police report, along with submitted a documented packet to XXXX XXXX explaining this debt is not my debt and I do not owe this company they continue to put false items on my credit report causing me pain and suffering while in the process to purchase a home for my XXXX children and I. I am a single parent and the suffering they are causing me while trying to raise my children is horrible. I shouldn't have to continue to fill out paper work that I continue to explain to XXXX different people. I have spoke to XXXX, I have spoke to XXXX XXXX, the police filed a fraud complaint on the matter and now I have to continue to dispute through them. When they sent the verification paperwork I explained and wrote back to this company and another comapny that this debt is not MINE I DO NOT HAVE XXXX! MY SOCIAL, and credit file has to be locked due to people using it for fraud. I SHOULD NOT HAVE TO KEEP DISPUTING THIS SAME INFOMRATION NUMEROUS AMOUNTS OF TIMES! it is frustrating and I am thinking about getting an attorney to sue all XXXX companies due to the pain I am being caused and time i am wasting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-13 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: ALLY FINANCIAL INC.
State: UT

Complaint narrative:
On XX/XX/XXXX we traded in our XXXX XXXX XXXX Lease through Ally Financial, payoff was sent from my dealership I work at as I traded it in here. I was in touch with my finance XXXX who did the paperwork she sent the payoff and necessary documents. A XXXX later after we as a dealership sold the XXXX having satisfied the lease I got notified of a XXXX day late payment had hit my credit. Finance XXXX contacted Ally corrected the situation Ally apologized and admitted to the error on their part I have a letter stating so. They said they would remove the XXXX late payment on the account and credit report and the account was satisfied. Ally is telling me as its now XXXX yes the lease has been satisfied nothing XXXX is on file or on my credit. On XXXX it is still showing a XXXX late, but not on XXXX and XXXX. It has been XXXX  months and it is still on my credit report, it has effect me being able to get approved for purchases as it dropped my score XXXX points. I need this XXXX day late payment removed ASAP. It was an error on behalf of Ally. We satisfied the account far before the month end of XX/XX/XXXX and Ally has verified so.

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 2021-12-13 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 — Problem with personal statement of dispute
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
XX/XX/2021 : XXXX XXXX : XXXX asked for my phone number : XXXX : cashier located my account W/O my physical card present. I informed cashier of NAME CHANGE, ADDRESS CHANGE. Her XXXX said when the bill generates and forwards to you-make the changes and submit w/ payment. 

XX/XX/2021 : Never received statement via mail as expected. FOUND copy of XXXX XXXX XXXX  ( I DON'T have my card anymore ). Called Customer service : XXXX. Informed : NAME CHANGE, ADDRESS CHANGE. Representative asked if name change was due to Marriage/Divorce? Answered, " XXXX ''. Are you still with XXXX XXXX XXXX? " NO ''. My last name was, and I'm in a different state. 

Same day, XX/XX/XXXX, I paid over {$200.00} ( XXXX {$100.00} ). 

Letter dated XX/XX/XXXX, XXXX XXXX VIA COMENITY BANK : We can not send you replacement card. " I NEVER ASKED FOR REPLACEMENT ) And your account is CLOSED '' That's unbelievable. And reported to all XXXX credit bureaus. Score dropped ; XXXX points. 

Since I have other STORE credit cards, without the physical cards, due to lack of use- like XXXX, wrong name, wrong address, wrong phone number, I guess Comenity Bank will handle by closing these accounts as well. 

I'm the one that reached out, called, Comenity Bank updating out dated information on me, and they used the information to discredit me. I guess divorce and change of workplace is cause for irrational RUSH TO JUDGEMENT,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
A CHASE CREDIT CARD ACCOUNT WAS FRAUDULENTLY OPENED IN MY NAME IN 2016 I DISPUTED THIS ACCOUNT MANY TIMES AND INFORMED CHASE IT DID NOT BELONG TO ME I ALSO SENT A POLICE REPORT AND IT HAS BEEN DISREGARDED

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 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: GA

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report and to this day, over XXXX days later, I have not received a response as of yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report and it has been over XXXX days so they should be deleted promptly. 
I demand these accounts be deleted immediately or I will file for litigation due to the stress you've 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 2021-12-13 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: GA

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report and to this day, over 60 days later, I have not received a response as of yet. I feel like I'm being taken advantage of and being ignored of 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 and it has been over 60 days so they should be deleted promptly. 
I demand these accounts be deleted immediately or I will file for litigation due to the stress you've 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 2021-12-13 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: TX

Complaint narrative:
Equifax conformation # XXXX XXXX Bank XXXX # XXXX date of last payment XX/XX/2016 Historical account information date of last payment XX/XX/2016 Date of XXXX Delinquency. XX/XX/2016. Should be XX/XX/2016 Account history should be corrected to reflect XX/XX/2016 as date of XXXX delinquency. 
I was told by Equifax employee that they are not responsible for the accuracy of the information they provide. It is the creditors responsiblity, and when there is a dispute they contact the provider, and it the provider tells them the information is accurate. Then the information is accurate and can not be changed.

Company response to consumer: Closed with explanation