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: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
It shows my account is delinquent but it is up to date. 
I have paid everything on time.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the metro 2 compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to metro 2 compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX 15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, A a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. 
( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.

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: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX XXXX 15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, A a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.

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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX 15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, A a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.

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: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Makower Abbate Guerra Wegner Vollmer PLLC
State: MI

Complaint narrative:
More accurately, they attempted to collect debts that have either already been paid or are not owed. The collection agency drafted a Notice of Lien against my condo unit on XX/XX/2021. To date, the notice has not been filed with XXXX XXXX, where I live. The Fair Debt Collections Practices Act prevents collectors from making : Threats to do things that can not legally be done, or threats to do things that the debt collector has no intention of doing I have several reasons why this Notice of Lien can not be filed. Those being : Article VI, Section ( c ) ( i ) of my condominium 's bylaws states violations are to be sent by certified mail. They sent this notice by first class mail. 
In order for a document to be eligible for recording with the XXXX County Register of Deeds, The Total value of real property must be stated on the face of the document or the affidavit attached ( MCLA 207.504 ) The name and address of the grantee must appear that convey or encumber real estate. ( MCLA 565.201 Sec 1-A, D ) MCL 559.208 ( 3 ) ( b ) of the Michigan Condominium Act sets forth the pre-foreclosure notice requirements, one of those requirements stating that " The notice of lien SHALL BE IN RECORDABLE FORM, executed by an authorized representative of the association of co-owners and may contain other information that the association of co-owners considers appropriate. '' The Act also goes on to state in part ( c ) that the notice shall be recorded in the office of the register of deeds in the county in which the condominium project is located and shall be served upon the delinquent co-owner by mail. XXXX only satisfied the second half of the preceding sentence by serving me by first class mail as this document is not recorded in the XXXX XXXX Register of Deeds The notice, as it stands, can not be recorded with the county, thus violating a requirement of the Michigan Condominium Act and thus violating the FDCPA by making a threat to do something that can not legally be done. I also assert they had no intention to file the notice by virtue of when the document is dated and the fact there is no Notice of Lien on file with the XXXX XXXX Register of Deeds ( ocmideeds.com ) for my property.

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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Hello so on XX/XX/2022 I mailed a letter regarding inaccurate and unverified things on my credit report. to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by XXXX and the XXXX data breach and may have gotten into the wrong hands.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC.
State: CA

Complaint narrative:
Earlier this year I received a letter from Wakefield and Associates for a collection account owed to them. I have no knowledge of the debt and believe the debt is not mine. On XX/XX/22 I sent a request for validation by certified mail. I have not received a response from the company and the debt has not been validated. The amount of the debt is for {$170.00}. I provided copies of my letter and certified letter receipt to all three credit bureaus. The only one who has not removed it has been XXXX. The company has not complied with my request and its negatively affecting my credit. I can not pay something I have no knowledge about.

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: NJ

Complaint narrative:
Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the metro 2 compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to metro 2 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 — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Universal Fidelity LP
State: NY

Complaint narrative:
The company name XXXX XXXX, sent unsolicited mail package, and then periodically kept mailing {$49.00} bills. According to the Federal law, a company can't send bill or debt collection notice for unsolicited order. However, a debt collection company, named Universal fidelity LP, on behalf of the aforementioned company ( contact address below ) keep mailing to pay up for the unsolicited item. In this era of XXXX no company ever send out packages/shipments to the recipient without credit/debit card information on file. I never ordered anything from XXXX XXXX, didn't even hear their name before receiving the mail. This is a clear case of scamming scheme. Please take action to prevent unsuspecting civilians from this type of scammers. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX  XXXX, XXXX XXXX Universal fidelity LP XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: 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: TX

Complaint narrative:
The XXXX XXXX has failed 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 XXXX XXXX has reported but they fail to reply to anything.. XXXX XXXX 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 XXXX XXXX Said the account is reporting certified accurate AND correct information. But how can this account be accurate when this account has been disputed XXXX 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 623.

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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The XXXX XXXX has failed 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 XXXX XXXX has reported but they fail to reply to anything.. XXXX XXXX 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 XXXX XXXX Said the account is reporting certified accurate AND correct information. But how can this account be accurate when this account has been disputed XXXX 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 623.

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: Trouble during payment process — 
Company: 21ST MORTGAGE CORP.
State: IN

Complaint narrative:
I made my mortgage payment on XX/XX/2022, 8 days before the due date. The amount of {$370.00} was debited from my account. I was contacted by my mortgage company 21st Mortgage, a few days later stating they didnt receive my payment. I verified with my bank that the ACH was sent and received, and it was. I then contacted 21st to inform them my bank verified the transaction was successful, and they still deny it was received. They have failed to look for the payment, and properly apply it to my account. Im not sure if it got applied to another account, what happened on their end, but the payment was received. They have also changed the due date of my loan when they bought my loan, changing the original terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc.
State: WI

Complaint narrative:
Fraudulent transactions on my gift cards with one vanilla.

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: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
After paying off one of my accounts ( XXXX XXXX ), Equifax decreased my credit score by XXXX points and at the same time, my credit score with XXXX increase by XXXX points. 

I contacted Equifax for an explanation and after the customer service representative could not sale me one of their credit monitoring products and I declined, I told him I was only interested in filing a complaint against Equifax, he told me to figure it out myself. 

I understand the concept of leaving an account open once you pay it off but I do not understand why Equifax would lower my score by XXXX points after the account show a XXXX  balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: AR

Complaint narrative:
XX/XX/2022 - transferred {$500.00} from card XX/XX/2022 - transferred another {$500.00} from card XX/XX/2022 - sent {$1000.00} to wifes account. Couldnt debit card transfer. She sent it back to me. 
XX/XX/2022 - initiated standard bank transfer for {$1000.00} XX/XX/2022 - account frozen. Send id. Provided that information. 
Contacted customer service over the next week in which they continued to tell me to wait 4 business days.. then 2 more.. then it could be up to six.. 
XX/XX/2022 - requested bank statements. I let them know that the card on file was in my wifes name. That I needed to add a card in my name which their was not allowing me to at this point. 

Over the next week, they continue to request bank statements from the card that was not in my name and I continually let them know I needed to add a card in my name. I provided XXXX bank statements for cards in my name. 

XX/XX/2022 - account deactivated and holding my {$1000.00} for 180 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
I got to know the debt on my credit line of {$330.00} ( which I had no idea of, and a debt I did not have ) from XXXX that I owe LVNV Funding ( XXXX XXXX  XXXX ). I raised disputes through XXXX, XXXX and XXXX. Although my XXXX credit got resolved through the dispute, the collection account has not been closed. I have no credit cards from XXXX as I only XXXX credit lines from XXXX and XXXX. I feel this is a fraudulent activity on my credit line and I would request you to look into this case as soon as possible as this is affecting my credit score and credit line. Attached in the complaint is the XXXX Report generated as of today ( XX/XX/2022 ) for accurate info on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
BANK OF AMERICA : ACCT ENDING XXXX WILL NOT PROVIDE PAPER STATMENTS AND AT TIMES, NEVER RECEIVE ANY ONLINE BILLS TO NOTIFY ME WHEN PAYMENT IS DUE. I WILL RECEIVE A BILL AFTER DUE DATE WITH A LATE CHARGE LISTED. 
THERE IS NO CUSTOMER SERIVCE. CUSTOMER SERIVCE NUMBERS- RECEIVE RECORDINGS AND NO ONE EVER GETS ON THE PHONE IN SPITE OF ONGOING RECORDED MESSAGE : SOMEONE WILL BE WITH YOU SHORTLY. 
BANK OF AMERICA SHOULD NOT BE ALLOWED TO REMAIN IN BUSINESS WITH THESE PRACTICES TO TACK ON LATE FEES AND THEN NO RESPONSE TO CUSTOMER SERVICE. 
I'VE TRIED TO RESOLVE THESE ISSUES, ATTTEMPTED TO CONTACT THEM WITH NO RESPONSE.

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 monetary relief
Consumer complaint received 2022-03-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EASTERN BANKSHARES INC
State: MA

Complaint narrative:
I texted with Eastern Bank customer support today. They claim I was late and they are not allowed to remove accurate remarks. They said responsibility 100 % falls on me to pay on time and its not their fault if they do not inform me if payment is due. This just feels absurd. 

My original load was through XXXX bank. Eastern bank purchased century bank. I did not receive mail, phone call or email explaining the change. I sent a check to century bank last summer, it was not cashed sent back. I contacted XXXX bank and they did not respond. 

It sounds like the merger was a mess and I am being punished. It does not seem fair. 

Then my credit got damaged for late payment. I paid the balance in full when their collection agent called. I responded to the first call.

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