vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-05 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: TRANSWORLD SYSTEMS INC
State: MN

Complaint narrative:
In XXXX of XXXX I suddenly started getting billing statements from University Accounting Services. This is in regard to a loan I took out from XXXX XXXX XXXX ( a now defunct company ) in XXXX. 

I had last paid on the account in XXXX of XXXX. I had heard nothing from XXXX XXXX XXXX or any of the subsequent owners or servicers of this debt until now in terms of debt collection. 

The attempts by University Accounting Service violate Minnesota debt collection law as the statute of limitations to collect on this loan was under Minnesota law 6 years from the date of last payment or XX/XX/XXXX as the last payment made by me on the account was on XX/XX/XXXX. 

During the near decade since they had last communicated with me, I have lived at the address I had in XXXX as well as two subsequent addresses including my current address that I have resided at for four years. These addresses are in three different counties within the State of Minnesota.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 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: WSFS FINANCIAL CORPORATION
State: DE

Complaint narrative:
Ive filled out a dispute in regard to incorrect items on my credit report. Its been over 30 days and I havent received any investigation results.

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 2021-01-05 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: FL

Complaint narrative:
XXXX XXXX XXXX {$750.00} XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX XXXX XXXX XXXX Letters were sent for all accounts XX/XX/2020 and no response was given from the bureaus within the 30 days in regards to the letters sent.

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 2021-01-05 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: FL

Complaint narrative:
XXXX XXXX XXXX {$750.00} XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX Closed XXXX Closed Letters were sent for all accounts XX/XX/2020 and no response was given from the bureaus within the 30 days in regards to the letters sent.

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 2021-01-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc.
State: NY

Complaint narrative:
On XX/XX/2020 with out ever applying Caliber Home Loans offered us a loan modification with a principal reduction. In order to have the offer completed we needed to At that time we were not able to make the trail payments.

Since then our situation has changed we would like to take Caliber up on the offer. Now that we can afford it Caliber wants to do a ( DIL ). In fact all Caliber has only been interested in doing a DIL for years now. We were very surprised when Caliber offered us the Loan Modification. Pleasantly surprised. Now that we can afford it we feel they do not want us to Modify the loan. We feel the Loan modification offer by Caliber was a fake offer they knew we could not afford the payments at the time so they offered it to us. Now that we can afford it they will not give it to us. We feel Caliber is really in the real estate business not the mortgage business. They use the ( DIL ) to accumulate properties then sell the to their sister company the XXXX XXXX XXXX at a discount then the Trust resells it at a profit. We believe the FED makes whole to Caliber on the loss on the loan and they are ripping of the tax Payer on a Major League level. You must investigate this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase Bank Support on XXXX has been EXTREMELY unprofessional. Providing contradictory information as well as having multiple specialists provide incorrect information regarding emergency stimulus relief. Something must be done to hold this company accountable. Ill be switching banks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 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: NY

Complaint narrative:
I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS A FEW LATE PAYMENTS REPORT ON XX/XX/XXXX AND XX/XX/XXXX ON MY MORTGAGE ACCOUNT. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS.

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 2021-01-05 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: IL

Complaint narrative:
I disputed an accounts reported by your company in the file you maintain under my Social Security number.I was informed on 60 days ago that the item was deleted from my credit report XXXX XXXX  XXXX, Now I have discovered that the item has been reinserted on my credit report. 
In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.I hereby demand that you immediately delete the negative item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Attorney Generals Office, and the XXXX. 
Please govern yourself accordingly.

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 2021-01-05 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: IL

Complaint narrative:
I disputed an accounts reported by your company in the file you maintain under my Social Security number.I was informed on 60 days ago that the item was deleted from my credit report XXXX XXXX XXXX, Now I have discovered that the item has been reinserted on my credit report. 
In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.I hereby demand that you immediately delete the negative item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Attorney Generals Office, and the XXXX. 
Please govern yourself accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I made requests to have Transunion remove paid/closed old accounts - greater than 7 years old - from my credit file. 

Transunion did not remove the accounts. 

XXXX/XXXX  acct # XXXX XXXX/XXXX acct # 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 2021-01-05 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: CA

Complaint narrative:
I sent in a dispute to Equifax regarding XXXX. The info doesn't match real time issues that took place. Instead of fixing it they keep updating the date which means it stays on my report many more years longer than it should. My goal was to force XXXX to update the information on XXXX XXXX and Equifax. Either Equifax failed to send the request to the creditor or the creditor ignored it. That seems to be common place with both companies. XXXX is not the most ethical company and neither is Equifax. So my complaint is regarding both 's failure to correct an issue that was simple to fix. It needs to be identical on both reports period! This updating the date constantly is not fixing nor resolving the problems. Therefore I'm not letting it go! I will go to civil court on both if this is not corrected! See the highlighted info on the bank statement, highlights on page 2 of the original letter sent to Equifax and Equifax 's lame response attached that's still not corrected. Even the date the credit was received is inaccurate on Equifax 's response! It just gets worse! All info is on XXXX 's correspondence to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 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: GOLDMAN SACHS BANK USA
State: CO

Complaint narrative:
On XX/XX/20, I discovered my credit was charged for {$170.00} at XXXX  in XXXX. I live in XXXX, the geniuses at Goldman said I made the transaction but provided no evidence. I did not make this charge! My wallet was lost/stolen.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: KY

Complaint narrative:
I have contacted BBT so many times to get overdraft protection removed from my account. During this pandemic Ive lost my job and paid over an XXXX dollars during this pandemic. Im struggling and couldnt afford to pay over XXXX dollars in overdraft. I have called numerous of times and ALL representatives stated it was removed. 

The last representative finally stated that they couldnt do it themselves I had to do it.

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 2021-01-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS A FEW LATE PAYMENTS REPORT ON XX/XX/XXXX AND XX/XX/XXXX ON MY MORTGAGE ACCOUNT. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS.

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 2021-01-05 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: NY

Complaint narrative:
I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS A FEW LATE PAYMENTS REPORT ON XX/XX/XXXX AND XX/XX/XXXX ON MY MORTGAGE ACCOUNT. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 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: Sequium Asset Solutions, LLC
State: CA

Complaint narrative:
I sent in a dispute to XXXX  regarding Sequium. The info doesn't match real time issues that took place. Instead of fixing it they keep updating the date which means it stays on my report many more years longer than it should. My goal was to force Sequium to update the information on XXXX XXXX and XXXX. Either XXXX  failed to send the request to the creditor or the creditor ignored it. That seems to be common place with both companies. Sequium is not the most ethical company and neither is XXXX. So my complaint is regarding both 's failure to correct an issue that was simple to fix. It needs to be identical on both reports period! This updating the date constantly is not fixing nor resolving the problems. Therefore I'm not letting it go! I will go to civil court on both if this is not corrected! See the highlighted info on the bank statement, highlights on page 2 of the original letter sent to XXXX  and XXXX 's lame response attached that's still not corrected. Even the date the credit was received is inaccurate on XXXX  's response! It just gets worse! All info is on Sequium 's correspondence to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 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: NY

Complaint narrative:
I reported this problem back in XXXX over 60 days to Transunion and XXXX  and still have not received a response back yet. The problem I am having is on my Transunion and XXXX  credit report there are late payments listed on my XXXX XXXX account from XX/XX/2019. On my XXXX  report for my XXXX XXXX account for XX/XX/2019 the payment status is marked current. The information does not match on my 3 credit reports which they must match to maintain accuracy, XXXX is the correct account that shows accurate information. I would like to update Transunion and XXXX  to match my XXXX  payment history from XX/XX/2019 on my XXXX XXXX account. I attached a copy of my credit report with the incorrect information highlighted as well as the correct information highlighted. According to section 609 of the Fair Credit Reporting Act it is a federal law that credit reporting agencies report accurate information that matches with each bureau. It is also that law to respond back within 30 days. Both of these laws were broken so I demand that you fix the payment information from XX/XX/2019 on my XXXX XXXX account to current to match 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 2021-01-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Colony Brands, Inc.
State: KY

Complaint narrative:
I have disputed the account multiple times and they keep saying that's is an accurate account. I have never opened any kind of account like that or ever signed anything thru or for this account. I have absolutely no/any kind of knowledge of what the account is even for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 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 FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

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 2021-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/2021 I reached out to Experian to have a fraud alert removed from my credit file considering it has never worked to prevent credit inquiries and inaccuracies. Per the rep she verified my information and advised she had removed the fraud alert. I called on XX/XX/2021 to confirm the fraud alert had been removed from my credit file and was told it was still there and it was an active-duty alert. I asked her how is this possible when I have never served in the military. She could not explain and told me I needed to speak to another department to have it removed and they were closed for the day. I am so frustrated with the credit bureaus because they are adding things to my credit file that is inaccurate and invalid. I also noticed several invalid addresses, names, inquires and accounts on my report and I have disputed them several times before and they remain on my credit 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 2021-01-05 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: IL

Complaint narrative:
I disputed an accounts reported by your company in the file you maintain under my Social Security number.I was informed on 60 days ago that the item was deleted from my credit report XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Now I have discovered that the items has been reinserted on my credit report. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 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: SYNCHRONY FINANCIAL
State: DE

Complaint narrative:
Ive filled out a dispute in regard to incorrect items on my credit report. Its been over 30 days and I havent received any investigation results.

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 2021-01-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was charged {$28.00} on my XXXX XXXX statement I disputed the charge and the only way BofA would investigate the charge was to make a fraud claim. .On XX/XX/XXXX the amount of {$28.00} was deducted as a fraud dispute. i was notified on XX/XX/XXXX that the merchant gave me credit for {$27.00} and {$1.00} which totals {$28.00}. But this was not true. The original dispute was only one transaction totaling {$28.00}. No where on the statement is their a credit of {$27.00} and {$1.00} which totals {$28.00}. Only an adjustment that added the amount back on the credit card. I called BofA again and I was told there algorithm automatically made that adjustment. I again made a claim. My XXXX/XXXX  XXXX showed a previous balance of $ XXXX.I called again and was told they would investigate it. I received a letter dated XX/XX/XXXX that " XXXXyour claim has been resolved ''. A few days letter I received my XXXX/XXXX  statement and the charge of {$28.00} is still on the bill and there is a new fee of {$1.00}. Again I called and was told the account shows a credit that will post XX/XX/XXXX. I called the credit card number and the auto services said I was going to be placed in collection because my bill has not been paid in two months. Every time I called the clerk makes notes and I am told the call is being recorded

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