vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-20 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: GA

Complaint narrative:
Experian and XXXX are reporting a duplicate trade line for the balance of {$780.00} on the XXXX partial account number XXXX. ( Please see pages 11 and 12 of the attached credit report. ) This duplicate entry is harming my credit score and is a violation of the Fair Credit Report Act. Please delete this trade line item from my credit report.

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 2019-06-20 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I was shocked when I reviewed my credit report and found a late payment on the dates below : XXXX of 2019 a 30 day late was recorded I am not sure how this happened, I believe that I had made my payments to you when I received my statements. I also believe that my card is or should have been set up on auto-pay. My only thought is that my monthly statement did not get to me. I called and was told that I didn't have a balance on my account so I'm not sure how this late payment could have been recorded I do ask that considering the good standing relationship we have that you remove this 30 day late from my credit report and refund any late fees assessed on my account. I do not believe it is accurate and would rather not have to spend more time than necessary for both of us to resolve this situation. I appreciate your help regarding this and look forward to continuing having the positive experience that I have had with you in the past. 


COMPANY INFORMATION XXXX/XXXX ACCOUNT NUMBER XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-20 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: GA

Complaint narrative:
XXXX and Transunion are reporting a duplicate trade line for the balance of {$780.00} on the XXXX partial account number XXXXXXXX-XXXX. ( Please see pages 11 and 12 of the attached credit report. ) This duplicate entry is harming my credit score and is a violation of the Fair Credit Report Act. Please delete this trade line item from my credit report.

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 2019-06-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: UT

Complaint narrative:
The first payment I made with Servicing mortgage company, went to a " Slush Account '' and I recieved a late payment, The payment was on time. Then I made a XXXX payment, on the XXXX, again a late payment and I was told that they thought it was just extra principle. I got made and asked for a payoff, made that payoff on XX/XX/XXXX, my mortgage is not payed off though I don't see a late payment the my amount due is larger then normal so one would assume that it didn't get credited. They told me I need to get another payoff quote even though they had the money and the payoff quote was good till the beginning of XXXX, today is the XXXX of XXXX. I asked to speak to a manager, they transferred me and I got a message that all costumer servicing agents were unavailable at the moment call back in 30 min, I hung up, called back screaming, finally got someone to fix it but I really don't have any idea if it is fixed if the late payments were reversed or if interest is being refunded.

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 2019-06-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I was shocked when I reviewed my credit report and found a late payment on the dates below : XXXX of 2019 a 30 day late was recorded I am not sure how this happened, I believe that I had made my payments to you when I received my statements. I also believe that my card is or should have been set up on auto-pay. My only thought is that my monthly statement did not get to me. I called and was told that I didn't have a balance on my account so I'm not sure how this late payment could have been recorded I do ask that considering the good standing relationship we have that you remove this 30 day late from my credit report and refund any late fees assessed on my account. I do not believe it is accurate and would rather not have to spend more time than necessary for both of us to resolve this situation. I appreciate your help regarding this and look forward to continuing having the positive experience that I have had with you in the past. 


COMPANY INFORMATION XXXX/XXXX ACCOUNT NUMBER XXXXXXXX

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 2019-06-20 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: MD

Complaint narrative:
I was shocked when I reviewed my credit report and found a late payment on the dates below : XXXX of 2019 a 30 day late was recorded I am not sure how this happened, I believe that I had made my payments to you when I received my statements. I also believe that my card is or should have been set up on auto-pay. My only thought is that my monthly statement did not get to me. I called and was told that I didn't have a balance on my account so I'm not sure how this late payment could have been recorded I do ask that considering the good standing relationship we have that you remove this 30 day late from my credit report and refund any late fees assessed on my account. I do not believe it is accurate and would rather not have to spend more time than necessary for both of us to resolve this situation. I appreciate your help regarding this and look forward to continuing having the positive experience that I have had with you in the past. 


COMPANY INFORMATION XXXX/XXXX ACCOUNT NUMBER 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 2019-06-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
I received a pay statement from ally bank, I went forward and accepted it for value. They continued after by putting a restriction on the account and would only accept certain forms of payments, I sent a letter in to validate the debt. I do believe the account is paid for in advance I asked 10 questions regarding where the money came from and how was it circutrated in my name without my consent. They failed to validate the debt within the time frame given twenty-one ( 21 ) days they also failed to stipulate their claim against me for owing said amount.

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 2019-06-20 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Regional Management Corporation
State: SC

Complaint narrative:
Regional finance keep calling my job without my permission and harassing me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: RS Clark and Associates, Inc.
State: TX

Complaint narrative:
R.S. Clark and Associates received a debt for {$5500.00} five years ago from an apartment for a broken lease in my name, however I was unaware the debt had been sold until I checked my credit score in XXXX of 2014. I do not remember ever receiving a phone call or letter the debt had been sold to them. I contacted them to resolve the debt in 2014 as well as this year and both times, they tried to talk me into several deals in one phone call, each ending with the original amount instead of any of the deals they were offering. I was unaware it is law that within 5 days the company has to contact you or else I would have disputed the debt when I realized it was on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: State Collection Service, Inc.
State: WI

Complaint narrative:
I was injured at work on XX/XX/2017 and went to the hospital. They billed me 6 times, I kept telling them it was workmans comp claim. Talked to XXXX the insurance company they first said they paid it then I got another bill. They then said it was the hospitals fault cause they didn't fill out the correct paperwork. They wouldn't help me get this resolved. I have been calling XXXX and they will not return my phone calls. I then filled out a form for the department of workforce development workers compensation division. No one has gotten back to me. I leave message and no return call. Collections wants me to pay, and get the money back from the insurance company. I told them that if they won't return my calls how am I gon na get my money back. It is on my credit report and I am only XXXX and trying to build up good credit. It's been a year and a half of calling and being ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I noticed unauthorized credit inquires on a recent pull of my credit report. I believe this to all be errors copied to my report I sent my notices to investigate and resolve XX/XX/2019 and XX/XX/2019. 
XXXX XXXX XXXX never applied for credit *XXXX  XXXX XXXX  XXXX -never applied for credit *XXXX   XXXX XXXX- never applied for credit *XXXX XXXX/ XXXX-never applied for credit * XXXX-never applied for credit XXXX XXXX XXXX -never applied for credit XXXX XXXX-never applied for credit XXXX XXXX XXXXnever applied for credit XXXX XXXX applied for credit *XXXX XXXX XXXX -never applied for credit

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 2019-06-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I received calls to my cell phone, a number I never provided to the company, the only number I provided was my land line, they do not have my permission to contact me on my cell phone, therefore they are breaking the law Telephone Consumer Protection Act ( TCPA ). The number the call comes in is always a different number with the area code 904, but the number they leave on the voicemail to call back is XXXX XXXX XXXX, which is the collections department of citi-bank. I want them to stop calling my cell and make me incurr in charges from my cell phone company without my authorization.

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 2019-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION
State: AZ

Complaint narrative:
XXXX XXXX XX/XX/19 Hi XXXX, Please refer to the message titled " Please Verify Your Account '' We no longer will be able to assist you in these additional threads. 

Thanks, Simple Support =================================== This is the latest response they sent to me. It appears that since the account isn't verified, the account that they refuse to verify despite a copy of my driver 's license and social security card, they intend to just hold my money as long as they feel like it. 

A screenshot of the response I received after the above message is attached. Showing, apparently, no intention of communicating with me or returning my money. 



On XX/XX/19 I opened an online account with simple.com. I deposited $ XXXX with two $ XXXX deposits. On XX/XX/19 the first of those deposits was processed. Shortly thereafter I received an email saying my account had been frozen and required verification. Despite being told it takes one day to complete the verification, it has now been over three days and I still do not have access to my money. If you've followed along, you will have realized they had over a week to verify the account and only decided to do so after they received the money I sent to fund the account. Once they received those funds I was almost immediately contacted and told my account was frozen for verification. The account had been open for NINE DAYS at that point. They refused to accept the information I sent for verification, including very personal information such as my driver 's license and social security card. Despite receiving sufficient information to verify my identity, they demanded still more information including mortgage info and more which is not even applicable to my situation. After being told everything should be resolved in one day, I spent much of the second day dealing with their incompetent and condescending employees. I was informed that they would not give me access to my money, or allow me to close the account in question. We're talking about XXXX XXXX DOLLARS HERE. After business hours I received an email from a XXXX XXXX  saying they would not accept my calls to address the situation. The next morning I realized my phone number was blocked so that when I called I would be disconnected immediately. As of this time, I can't reach them by phone and they ignore my emails. Of course, they are still holding my XXXX XXXX DOLLARS and denying access to my funds while providing no banking services whatsoever. I WOULD CALL THIS A THEFT OF MY XXXX XXXX DOLLARS. I WANT MY MONEY!!!!! WHAT KIND OF COMPANY IS THIS?????

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 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: GA

Complaint narrative:
Per my credit Report With XXXX, XXXX is reporting that this debt was included in chapter XXXX bankruptcy but is listed as a charged off account with Transunion & XXXX. 
I have disputed this account with XXXX Multiple times and i also provided proof but per an XXXX employee thay are going to agree with the Creditor no matter what I provide. This account needs to be updated and reflect the same resolution on all 3 credit reports or be removed 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 explanation
Consumer complaint received 2019-06-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Southwest Stage Funding
State: NC

Complaint narrative:
I have an adjustable rate mortgage that has been sold to or purchased by XXXX XXXX XXXX   XXXX took over my loan in late XXXX. Thus far there has been irregularities for 7 of the 8 months they have held the loan. Payments in XXXX XXXX we placed in a reserve account instead of being placed towards the loan because they claim that we were not paying enough each month. The loan has been set up on an automatic draft since XX/XX/XXXX. When I discovered the issue in XXXX, it took about 2 days to get the information corrected, the money placed in the appropriate place, and the draft corrected. We were told there would be not late payments. The issue occurred because we were not issued a rate change letter for our ARM, and to this date we still do not have that letter. I was told the new payment would be {$370.00}. and some change. In XXXX, 2 months late charges appeared the account. I again called customer service and was told it was an error and would be corrected. In XXXX, a larger payment than we were told was drafted from my checking account. When we called we were again told that there was a computer issue and it would be corrected. I again requested a copy of the rate increase notice. I also requested a payoff as I have decided to refinance. On the payoff, it notes that my current interest rate is 5.125 %. On my XXXX statement, my interest rate is now 5.250 %. The second change this year. This is in violation of my ARM which states one interest rate change per year beginning at the XXXX mortgage payment. I will be closing with a new finance company on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: TX

Complaint narrative:
I noticed a debt placed on my credit report from CBE Group from XXXX XXXX ; stating that I opened an account with them in XX/XX/XXXX. This is inaccurate because XXXX XXXX was not servicing the area I live in and I have been with another Cable Provider from XX/XX/XXXX - until this present time. So the date of the open account is inaccurate and false information. And if this indeed a bill older than the year of XXXX this needs to be deleted. 
The amount of the charge is {$350.00} which I have mailed a letter to all 3 credit bureaus disputing this issue and mailed a letter to CBE Group.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AUTOMOBILE ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
I have made numerous attempts to clear this up directly with the credit reporting agency ( XXXX   specifically ) and they keep saying that an AGENT at Automobile Acceptance XXXX XXXX XXXX XXXX, Georgia XXXX has verified the said account. I have been a victim of identity theft and have supplied all the proper documents. 
AUTOMOBILE ACCEPTANCE ACCOUNT # XXXX {$5800.00} does not belong to me ( I do not owe automobile acceptance the said amount, and I have asked in order to validate the debt, I would like a copy of the original contract containing my wet ink signature, the name of the agent who verified the debt and who has first hand knowledge of the said debt. 

In Regards to : UNFINISHED BUSINESS XXXX XXXX XXXX non-adverse, non-belligerent, non-combatant party, secure creditor with power of attorney general, and Executrix on behalf of the XXXX XXXX XXXX ESTATE, is in possession of your recent voluntary submission of evidentiary documents also known as a credit report. 

Furthermore, in order for XXXX XXXX XXXX to validate the debt, please provide verification through audit certification of debt entry in accordance with XXXX, XXXX, in accordance with XXXX XXXX accord and XXXX   conventions. I would also need a copy of your Tax Registration certificate! 

Failure to substantiate the claim, please DELETE all accounts immediately with the next 10 days. Send an update to XXXX to remove the said account immediately! And send myself and XXXX verified copies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Federal Credit Control, Inc.
State: OH

Complaint narrative:
On XXXX XXXX, 2019 I paid First Federal Credit Control {$720.00} to pay in full 7 medical bills that were placed with them for collection. As of my XX/XX/2019 all 7 derogatory entries are still on my bureau. 

Spoke to FFCC several times and they show that I paid accounts in full and claim to have sent this information to all 3 bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I noticed unauthorized credit inquires on a recent pull of my credit report. I believe this to all be errors copied to my report I sent my notices to investigate and resolve XX/XX/2019 and XX/XX/2019. 
XXXX XXXX XXXX never applied for credit *XXXX XXXX XXXX XXXX -never applied for credit *XXXX XXXX XXXX- never applied for credit *XXXX XXXX/ XXXX-never applied for credit * XXXX-never applied for credit XXXX XXXX XXXX -never applied for credit XXXX XXXX-never applied for credit XXXX XXXX XXXX applied for credit XXXX XXXX-never applied for credit *XXXX XXXX XXXX -never applied for credit

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I noticed unauthorized credit inquires on a recent pull of my credit report. I believe this to all be errors copied to my report I sent my notices to investigate and resolve XX/XX/2019 and XX/XX/2019.

*XXXX XXXX XXXX- never applied for credit *XXXX XXXX XXXX XXXX -never applied for credit *Certified Credit RPDT- never applied for credit *XXXX XXXX/ XXXX-never applied for credit * XXXX-never applied for credit *XXXX XXXX XXXX -never applied for credit *XXXX XXXX-never applied for credit * XXXX XXXX-never applied for credit *XXXX XXXX-never applied for credit *XXXX XXXX XXXX -never applied for credit

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