vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-18 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: PA

Complaint narrative:
To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX days to comply with my original request, but I believe it to be a blatant violation of the XXXX. 
You were advised by me on XXXX XXXX by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are XXXX your power under the XXXX to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX XXXX {$0.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States XXXX has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within XXXX days. I therefore legally and lawfully refuse your " form letter '' thus giving you only XXXX days not XXXX more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 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: AE

Complaint narrative:
I am requesting that my credit report dispute be reviewed. This is the XXXX attempt to get items corrected on my credit report. I have provided exact items on my credit report that are reported inaccurate and per the fair credit reporting act - inaccurate information is not supposed to be reported on a credit report. Please do not delete my credit report as this is a request to correct the certain errors on my credit report that I am pointing out to you. 
I take my credit report status very seriously as credit is a huge factor that determines my life and I want only accurate information reporting and reflecting on my credit report. Please review and correct or review and delete the inaccurate information asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XXXX XXXX by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : US DEPT ED XXXX {$3400.00} US DEPT ED XXXX {$6700.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.

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 2022-02-18 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: SC

Complaint narrative:
I XXXX XXXX is submitting this complaint without any third party influence and give authorization for the cfpb and the other following companies to move forward with this complaint. Please see attached documents and ID as it contain my full complaint and request.

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 2022-02-18 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: WA

Complaint narrative:
I have disputed this account multiple times with both the mortgage company and credit company ( XXXX, XXXX, Equifax XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. This mortgage has been dismissed and it's still showing on my consumer file as open and reporting as 120 days late or more. They are reporting inaccuracies on my file

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I have disputed this account multiple times with both the mortgage company and credit company ( Experian, XXXX, XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. This mortgage has been dismissed and it's still showing on my consumer file as open and reporting as 120 days late or more. They are reporting inaccuracies on my file

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 2022-02-18 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
There has been 2 overpayments of {$98.00} from my escrow portion of the mortgage payment. The first posted XXXX XXXX and the 2nd. on XXXX XXXX, 2022. The servicer of the loan is Mr. Cooper, who uses a co. called XXXX for the disbursements of the escrow. 
The tax assessor, ( XXXX XXXX ), wrongly submitted an additional tax on my property that I had to appeal, and received a favorable decision from the XXXX XXXX Board of Taxation in late XXXX. I faxed the letter, ( verification ), that I was not responsible for the additional tax, yet they went forward on XXXX XXXX with the 2nd overpayment. The refund for the 1st. overpayment was sent by check from the municipal tax office in XXXX XXXX on XXXX XXXX and still has not been processed to my escrow!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK
State: WI

Complaint narrative:
Thank you for taking the time to read this. Upon review of my XXXX, XXXX and XXXX credit files I noted XXXX payments that are reported as late. I have disputed the late payments already XXXX times and I am sincerely hoping someone there can take a closer look at my file. The payments were, in fact, missed, but prior to me missing the payments, I called every month I was unable to pay and was unable to get through to your company ( XX/XX/2020, XXXX, 2020, and XX/XX/2020 ). I was affected by COVID and tried to get a deferment and couldn't get through and therefore accounts ended up being late. I am hoping you can make the necessary adjustment under the CARES Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 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 — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
My credit card, wallet and phone were stolen back in XX/XX/XXXX. The card was fraudulent used on XX/XX/XXXX for charges which were {$1800.00} with XXXX  and {$320.00} with XXXX XXXX XXXX These charges were not made by me, authorized by me nor anyone I know. I have informed Wells Fargo and also informed them that they have no proof that I made the charge because there is none. They have added the charges back on my account illegally and telling me Im obligated to pay. I didnt make the charges and informed them in time about the card being stolen. Per fraud act Im not liable and have informed them that. They are illegally still putting the charges on my account. I need assistance getting this removed and corrected because as of now dealing with corporate bullying. We have seen the documentary and reports about the illegal practices that they have committed and still do.

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 2022-02-18 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:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.

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 2022-02-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
with perfect payment history Synchrony bank closed XXXX accounts ive had for years without warning and would not provide an answer when i contacted them. this has caused a XXXX point Credit drop. i am currently about to leave military after XXXX years of service. this Credit impact will cause severe issues with getting a home. there was no credit report changes before their decision and i had no opportunity to appeal.

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 2022-02-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
We were in the process of completing a home mortgage with PNC bank. We were given a pre approval from PNC and instructed to pay appraisal fees ( {$750.00} ) and complete a home buyers course ( {$75.00} ). We complete what was requested and paid required fees only to be denied the loan. Considering fees were already paid we contacted PNC bank to start process over. We were told they would get us another pre approval ASAP. This was in the beginning XXXX, to date we have heard from the bank - no returned phone calls or emails. We have moved forward with a different bank, but are out the funds PNC charged and granted us no mortgage. We are inquiring about a refund for the funds loss totaling {$830.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Consumer Portfolio Services, Inc.
State: IL

Complaint narrative:
This company is using stall tactics to avoid accountability for violating my consumer rights. I previously file a complaint about this company and they responded with questions about my identity. This is a common stall tactic used to avoid complaints made to this platform. I would like the CFPB to do a full investigation into this matter. I also provided screen-shots of the company 's response to my previous complaint. They are requesting information that they already have, For example, how was this company able to identify me using my maiden name : XXXX XXXX, but I made the complaint using my martial name : XXXX XXXX. This is proof that the company has identified me, and is choosing to use stall tactics to avoid my original complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have notice some late payments on my report, I request that you verify the information and remove any inaccurate information from my credit report as quickly as possible. The items in question are : XXXX XXXX CO ACCT # XXXX, XXXX XXXX XXXX BANK ACCT # XXXX, XXXX XXXX XXXX XXXX XXXX ACCT # XXXX. I do not consent to e-Oscar or any means of automated verification, so perform a proper investigation

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 2022-02-18 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SunTx Capital Partners
State: VA

Complaint narrative:
I am submitting a complaint because Freedom Truck Finance , LLC is not upholding the settlement verbal agreement. On XXXX XXXX, 2022, both parties agreed for a settlement amount of {$5100.00}. The verbal agreement stated that starting XXXX XXXX, I had XXXX  days to make the first payment of {$2500.00}, which I did on XXXX XXXX. I was also put in a situation where I was forced to sign the settlement letter with the wrong information because I was told that I could lose the settlement based on their deadlines -- even though the letter was wrong. The second payment of {$2500.00} was due in 30 days. However, I made the second payment on XXXX XXXX, 2022. Even though I paid the full settlement amount within the timeframe agreed upon, Freedom Truck Finance , LLC continues to purposefully send settlement letters with the wrong information to put me at a disadvantage by changing the dollar amounts, due dates and the date when they created the letter. For example, the second letter has XXXX XXXX in the headline, but they sent the letter on XXXX XXXX and it has the wrong due date. In addition, even though I paid the full settlement amount, they are breaching the agreement by not closing the account and not updating the credit bureaus accordingly.

Company response to consumer: Untimely response
Consumer complaint received 2022-02-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XXXX XXXX by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX XXXX {$1400.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.

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 2022-02-18 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: NJ

Complaint narrative:
Hello my name is XXXX XXXX XXXX. Your company has not responded to my previous written communication that was sent via certified mail and received by you on XXXX XXXX. I have attached that communication to this complaint. Please respond accordingly. 

Accounts should appear on my consumer report with my written permission and no other. 

In addition, while an account is under dispute it should be DELETED from my report until the dispute is resolved. 

Please respond directly to my attached letter or I will seek monetary compensation in the form of {$1000.00} per violation.

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 2022-02-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Healthcare Receivables Group, Inc.
State: SC

Complaint narrative:
My name XXXX am sumbitting this complaint without any influence from any third party or agency on how my privacy and XXXX has been invaded. Please see attached documents as it entails the full complaint and request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 00:00:00
Product: Credit card or prepaid card — Store credit 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: ENCORE CAPITAL GROUP INC.
State: MN

Complaint narrative:
In 2018 I was diagnosed earlier before with XXXX XXXX that has made my life very difficult. I got married to a lady who exploited me and manipulated me into using my credit cards indiscriminately to purchase items for her family and herself without my permission. This involving many credit cards including a car purchase plunged me into a debit of more than {$50000.00}. I have been trying to resolve this with my credit companies since I started making improvement on my health and requesting a concession stating that these expenses were fraudulent. I am divorced now and she walked away scot free. I am now dealing with the credit companies and collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I XXXX XXXX is submitting this complaint without any third party influence and give authorization for the cfpb and the other following companies to move forward with this complaint. Please see attached documents and ID as it contain my full complaint and request.

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 2022-02-18 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: SC

Complaint narrative:
I XXXX XXXX is submitting this complaint without any third party influence and give authorization for the cfpb and the other following companies to move forward with this complaint. Please see attached documents and ID as it contain my full complaint and request.

Company response to consumer: Closed with explanation