vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-01 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: IL

Complaint narrative:
In XX/XX/XXXX, I opened a auto loan with XXXX XXXX. In XXXX, XXXX I called XXXX telling them I would be out of the Country and would be making a " double '' payment. This result was a 30 day late for XXXX, XXXX. I called XXXX and they are very hard nosed and would not remove it. 

In XXXX, XXXX ... I filed a complaint with XXXX  over this 30 day late payment. I received a call from a XXXX representative a week later saying ... watch this. 

On XX/XX/XXXX I opened my credit report to a 80 point drop, and a 30 day late payment reflected for XXXX, XXXX and a 30 day late for XX/XX/XXXX. 

I called XXXX and they refused to remove it. The Specialist stated, thats what you get for disputing with us. Those late payments were a result of a " returned '' payment. XXXX took 24 days to take those funds from my bank. At which point I had changed banks, and resent the payment via credit card, BEFORE the bank returned the payments. 

XXXX response was .... '' its still late ''. My statements show I was not late, assessed no late fees, ect.

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 2019-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
In XX/XX/XXXX, I opened a auto loan with XXXX XXXX. In XXXX, XXXX I called XXXX telling them I would be out of the Country and would be making a " double '' payment. This result was a 30 day late for XXXX, XXXX. I called XXXX and they are very hard nosed and would not remove it. 

In XXXX, XXXX ... I filed a complaint with XXXX over this 30 day late payment. I received a call from a XXXX representative a week later saying ... watch this. 

On XX/XX/XXXX I opened my credit report to a XXXX point drop, and a 30 day late payment reflected for XXXX, XXXX and a 30 day late for XX/XX/XXXX. 

I called XXXX and they refused to remove it. The Specialist stated, thats what you get for disputing with us. Those late payments were a result of a " returned '' payment. XXXX took 24 days to take those funds from my bank. At which point I had changed banks, and resent the payment via credit card, BEFORE the bank returned the payments. 

XXXX response was .... '' its still late ''. My statements show I was not late, assessed no late fees, ect.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01 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:
In XX/XX/XXXX, I opened a auto loan with XXXX XXXX. In XXXX, XXXX I called XXXX telling them I would be out of the Country and would be making a " double '' payment. This result was a 30 day late for XXXX, XXXX. I called XXXX and they are very hard nosed and would not remove it. 

In XXXX, XXXX ... I filed a complaint with Experian over this 30 day late payment. I received a call from a XXXX representative a week later saying ... watch this. 

On XX/XX/XXXX I opened my credit report to a 80 point drop, and a 30 day late payment reflected for XXXX, XXXX and a 30 day late for XX/XX/XXXX. 

I called XXXX and they refused to remove it. The Specialist stated, thats what you get for disputing with us. Those late payments were a result of a " returned '' payment. XXXX took 24 days to take those funds from my bank. At which point I had changed banks, and resent the payment via credit card, BEFORE the bank returned the payments. 

XXXX response was .... '' its still late ''. My statements show I was not late, assessed no late fees, ect.

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 2019-03-01 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:
Called Transunion on XX/XX/XXXX to file a dispute on my credit report for an item that is being reported longer than the allowed time. The representative opened the dispute and told me to I should have it investigated and removed within 30 days. Received a letter dated XX/XX/XXXX stating the dispute was resolved and my file is now updated with incorrect information. I called XX/XX/XXXX to verify who verified this information and who was reporting it. They stated the creditor, I explained I called the Bankruptcy court and they stated they do not report or confirm any information. I asked again where did they receive the incorrect information they are reporting to my credit report. She then offered to dispute the information again. I explained I've just disputed to have this item removed and they updated it with incorrect info. My bankruptcy was dismissed in XXXX and Transunion has updated my report stating it was discharged in XXXX which is not reported by the courts or my lawyer. I'm requesting this item to be removed due to Transunion reporting incorrect information that is hurting my credit score. According to the FCRA outdated and inaccurate information is to be removed from a consumer 's credit file. Transunion has broken the law twice.

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 2019-03-01 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: MO

Complaint narrative:
After review of all my CB files I came across a account ( XXXX XXXX ) reporting to XXXX  and Experian they both reported first delinquency dates differently. I filed a CFPB complaint with XXXX at which time they reacted quickly and deleted the tradeline because in fact the first date of delinquency was past the 7 yr mark ( XXXX of XXXX  ) so I reached out to Experian and was treated pretty badly. So I need an answer on the procedures and or laws these CB are supposed to be following. I ask how can the dates vary so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
i went to get some medical exams done, xrays, my insurance paid for everything but i got a bill sent anyways, i received a call from the company and i told them that my insurance covered it but they said it didnt even though i knew it did, the collection company set a derogatory mark in my credit score and now it says the debt was PAID even though i never paid for it ... ... 

Creditor Name TSI/XXXX  Account No. 
XXXX Original Creditor MEDICAL Responsibility Individual Condition Paid Original Balance XXXX Balance XXXX Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX Remarks Paid collection

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Happy Money, Inc.
State: IL

Complaint narrative:
Hello, I applied for this loan and faced some financial difficulties because my student loans became due. This company helped me by deferring my payments. However, this caused my payments to balloon. I was not fully aware of what was occurring when my payments increased. Now they are sending me emails saying I have options to pay off my loan. However, when I call them they are telling me I have exhausted all of my options. Pay off also says the emails are automated. I work at a XXXX XXXX  and I know they should have some sort of filter to cease sending emails informing customers who have no options that they have options! I find this deceitful and extremely frustrating. Because i would like to work with them to become current. But they are not doing anything else to help. If they loan is charged off or I file bankruptcy they will get nothing.

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 2019-03-01 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: AZ

Complaint narrative:
The following accounts and credit inquiries listed on my Equifax credit report are fraudulent, unauthorized, not mine and dont belong to me : XXXX XXXX   XXXX, XX/XX/XXXX, {$1500.00}, XXXX , XXXX . XX/XX/XXXX, XXXX XXXX  XXXX XXXX, XX/XX/XXXX, XXXX , XXXX . XXXX XXXX, XXXX XXXX/XXXX   XXXX, XXXX XXXX/XXXX, XXXX/XXXX and XXXX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Card Receivables Fund Incorporated
State: NC

Complaint narrative:
I received a letter from two companies, Unifund CCR LLC claiming that they are servicing an alleged debt for another colIection agency by the name of Distressed Asset Portfolio III , LLC. owe them money. This company claims to be servicing an account in my name and that they are the current owner of the account. It appears that these companies are selling accounts. I am in the process of filing a police report. I have heard of companies trying to report consumers to the Internal Revenue Service for unwarranted alleged debts. Please forward this matter to all regulatory agencies involved. 

I do not know nor do I have any relationship with either of these agencies. I have not given any of my personally identifiable information to either of these companies. Another company XXXX XXXX XXXX XXXX is the first company who said they sold the account to Unifund CCR LLC. I have filed an Affidavit of Identity Theft with the federal Trade Commission. I have not authorized any of these agencies to use my personal information. Please inform me if this is legal since I have no knowledge of who I owe ; how I owe, or if I owe anything at all. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Please add my contact telephone number to my credit profile. My contact number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01 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: NV

Complaint narrative:
XXXX XXXX claims date of first delinquency is XX/XX/2011. Statute of limitations is 6 years in Nevada. This debt is too old and needs to be removed from all of my credit reports.

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 2019-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Please add my contact telephone number to my credit profile. My contact number is 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 2019-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Please add my contact telephone number to my credit profile. My contact number is 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 2019-03-01 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: AZ

Complaint narrative:
The following credit inquiries isted on my Experian credit report is fraudulent and unauthorized : XXXX XXXX XXXX from XX/XX/2018 and XXXX ( XXXX XXXX ) .The credit inquiries is fraudulent and unauthorized.

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 2019-03-01 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I contacted American Express Serve due to possible fraud on my account. Was on the phone for over 3 hours and unsure if a fraud claim was filed. Was not explained if the claim as placed and my account locked for now. was not explained about obtaining a new credit card nor the expectation on the claim. I spoke with 7 different reps, supervisors and managers all were rude and did not explain anything to me. I was disconnected from both of the managers and no return call back from either. Transactions are still occurring on my account that I did not give authorization to make. 

XX/XX/2019 - XXXX XXXX XXXX {$120.00} XX/XX/2019 - XXXX {$500.00} XX/XX/2019 - XXXX {$520.00} XX/XX/2019 - XXXX {$260.00} XX/XX/2019 - XXXX XXXX {$6.00} as of the time of filing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01 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: EQUIFAX, INC.
State: NV

Complaint narrative:
XXXX XXXX claims date of first delinquency is XX/XX/2011. Statute of limitations is 6 years in Nevada. This debt is too old and needs to be removed from all of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
XXXX XXXX claims date of first delinquency is XX/XX/2011. Statute of limitations is 6 years in Nevada. This debt is too old and needs to be removed from all of my credit reports.

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 2019-03-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: CA

Complaint narrative:
I signed up for online access and accidentally typed an undesired username for the website. I called in to have the username changed, and received three different sets of instructions from three different people. One of those said they would need to delete my online account so I can re-register, but the website won't allow me to do this. Another said I can change the username by selecting " forgot username '', which requires multi-factor authentication, although the " code '' that is sent by text to the phone number on file never comes. I called in again and opened a ticket and was told 24-48 hour response, but have not received any call back in a week. I have not been able to access my account online in a month.

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 2019-03-02 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: NY

Complaint narrative:
I am attaching a copy of the Experian credit report picture. Ive already disputed this account and Experian keep saying verified ... I have attached an image of this. 
- This account is not my account. I have NEVER had a student loan. This is an error and Experian and XXXX XXXX XXXX  does not fix this. 
-According to 1681 ( i ) ( a ) of the FCRA.. Experian is supposed to investigate this account and even go beyond the what XXXX XXXX XXXX  says. There is NO contract, signatures, correspondence.. NOTHING for me and these people. 

I am trying to move currently and this account is affecting me and my family. I have copies of being declined a new apartment. Please remove this quickly. I am suffering with my reputation and suffering financially. 

Experian is the only bureau showing this account. See Attached

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 2019-03-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: MN

Complaint narrative:
I have an existing loan with Mr. Cooper. Approximately 4-6 weeks ago I contacted the company asking for instructions about how to remove the PMI from my monthly payments believing the property equity now qualified to allow that to happen. 
They gave me the instructions on what I needed and where to fax the information they needed. I did that about a month ago. 
The information I submitted ( formal BPO ) clearly demonstrated that the property met the minimum equity ratio necessary to ensure the PMI could be removed. 
I have documentation that the information faxed was received. 
I have since followed up twice with Mr. Cooper. Each time no one can tell me where the request is in process and why I have not had any response from the company. 
I believe Mr. Cooper is merely dragging their feet to avoid removing the fee from my mortgage payment as they are required to do by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX I noticed there was a hold on funds I received from a check but it was separated in 3 different transactions. 
2 transactions of {$2000.00} and 1 of {$860.00}. 
I was at work at the time these took place and I didn't notice until I was unable to get an XXXX home from work since there was only about 40 cents left in my Bank of America checking account. 

I waited until the next day to call the bank because I thought it was just the check taking a little longer to go through but once I opened app, it showed that the 3 transactions were changed from funds on hold, to being a cash withdrawal at 2 different locations of Bank of America. 

I live in XXXX XXXX and the only banks I go to withdraw cash are the ones within 5 miles of me, these cash withdrawals happened in XXXX XXXX which is more than 100 miles from where I live and work. 

I called my bank and told them what happened, and the only thing they told me was to file a claim and a police report and that I will get an email or call for a follow up on the bank 's investigation, which I did. 

I heard nothing during the whole " investigation '' from the bank. The only thing they told me was it might take 60 days to resolve the case. Until today, XX/XX/XXXX I finally received an update through email stating that they won't honor my claim because debit card/ID and pin # was used for the transactions. 

I have always kept my ID and credit cards with me and have never misplaced it or lost it anywhere outside of my home which makes no sense how anybody could show up with any identification of mine, 100 miles away from where I live to withdraw so much cash at 2 different locations. And I'm sure there's security cameras that show who was the one taking money out of my account since all transactions happened with a teller at the bank. 

I don't believe the bank took any importance to either prevent or resolve the issue. I originally received a check of {$5000.00} as a personal loan and now because of this, I was left without money with an extra {$5000.00} I need to pay back because of Bank of America 's unwillingness to properly run an investigation as to what happened.

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 2019-03-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
XX/XX/2019 i deposited check from XXXX XXXX ( XXXX ) using XXXX XXXX. Name on check was XXXX XXXX and XXXX, XXXX ( check number XXXX ). Amount {$1400.00}. was for purchase on goods from craisglist. 

XXXX XXXX cancels transactions and having the suspicion this isn't clean money, i refunded the entire amount to two quickpay accounts ( XXXX and XXXX ) Check turns out to be counterfeit.

Company response to consumer: Closed with explanation