vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have a public record entry that was placed on my credit report and I have been trying for over 5 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 4th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 3 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway.

Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. XXXX   refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this bankruptcy is mine.

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 2018-12-06 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: CA

Complaint narrative:
XXXX XXXX has NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA By my request XXXX XXXX is required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I have sent letters and have not received any responses with what I have requested.

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 2018-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have a public record entry that was placed on my credit report and I have been trying for over 5 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 4th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX  verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 3 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway.

Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX  back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. XXXX   refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this bankruptcy is mine.

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 2018-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have a public record entry that was placed on my credit report and I have been trying for over 5 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 4th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how Equifax verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 3 representatives that told me that the request/dispute is sent as a message to the courthouse through eOscar. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway.

Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call Equifax back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. Equifax refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this bankruptcy is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have a public record entry that was placed on my credit report and I have been trying for over 5 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 4th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX  verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 3 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX  back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. XXXX  refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this bankruptcy is mine.

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 2018-12-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: TN

Complaint narrative:
In XXXX I had a mortgage with Cardinal Financial Company. My mortgage at this time was escrowed for both taxes and insurance. In XX/XX/XXXX I refinanced my existing mortgage through Cardinal Financial Company for a loan that did not have escrow. During my loan process the month prior my payoff was ordered. In that same month my Insurance was due to be disbursed from my escrow account. My Insurance was not paid out as it should have been as the policy renewal date was XX/XX/XXXX. I was not made aware at the time of closing or even prior that my insurance was not paid out of my escrow in XXXX and that my renewal for XX/XX/XXXX needed to be paid by me for the XX/XX/XXXX-XX/XX/XXXX policy. This in turn caused by policy to lapse for 12mo causing me to have to purchase a worse case policy ( $ XXXX/Yr ) vs. the premium policy ( $ XXXX/Yr ) that I had. 
I reached out to Cardinal Financial Company in mid-XX/XX/XXXX once I found out my policy cancelled due to non-payment despite my account being escrowed. Initially I was told by the Insurance Department of Cardinal Financial that they did not get an invoice ( my further research found that was false as the insurance premium amount had been updated in their system to show the invoice amount for the renewal policy ). I was told that since I refinanced I should have paid it when my escrow was returned to me ( Issue with this : My insurance was due XX/XX/XXXX and I did not close on my refinance until XX/XX/XXXX - the insurance should have already been disbursed and paid by escrow ) ; I was also told when my payoff was ordered they netted my escrow from the payoff amount so all escrow payouts were froze ( I did not request this ) ; I received a letter in the mail this past week referencing my new loan and was told that their records show my insurance was good through XX/XX/XXXX and I needed to reach out to my new servicer ( False : They admitted in a conversation I had with them that they received a Notice to Cancel the day before I closed on my refinance ( XX/XX/XXXX ) - They still never said anything ) ; The last conversation I had with them they said that once a payoff is ordered they stop all escrow disbursements for 45/days and I was notified of this however could not tell me when or how I was notified ( I reviewed all of my closing docs that I signed and never signed anything about this. The only notice that was provided at close was my settlement statement that indicated I needed to cover my property expense going forward which I was aware of as I no longer escrowed ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: TX

Complaint narrative:
We have had a continual struggle with the Dovenmuehl Mortgage servicing department regarding every payment that is being made since the inception of this refinanced loan. They consistently call after my uncle has made every payment and out of confusion, sometimes he's been tricked into making multiple payments ( he has early onset XXXX ). I have sent the entity a certified mailing months ago to set up the uto payment, we have spoken to them twice about it on the phone, YET, the collections department continue to call and send early default mailings. Please do call me at XXXX for additional information. thi si XXXX outright Elder abuse and I WILL sue the pants off this company. I am a XXXX XXXX XXXX, and I hve over 30 years inj XXXX  and XXXX. 

Best regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
There was a pending charge on my Navy Federal credit card on XX/XX/2018 for {$63.00}. 
I called NFCU and spoken with XXXX who stated that they have to wait until it posted before taking any action. She was not helpful as I emphasized that this was an unauthorized charge of {$63.00} for XXXX antivirus subscription renewal that I was unaware of. 
In addition, I never rcv 'd an email from XXXX regarding this renewal. 
I also never rcv 'd any service from XXXX either. 
On XX/XX/2018, I viewed my cc charges on my phone and saw the charge was posted for {$63.00} and no action was taken by NFCU as they said they would do " something '' to remove and investigate this charge. 
I contacted NFCU again, attaching proven emails that I have contacted XXXX   and their 3rd party vendor XXXX. All parties, XXXX, XXXX and NFCU, are not cooperating with my wishes to refund my money and investigate this fraudulent transaction of XXXX..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: PA

Complaint narrative:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future  information until further notice including the XXXXReport and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX I have unknown or fraudulent addresses, appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses:XXXX XXXX XXXX XXXX XXXX, XXXX , PA XXXX-XXXX,XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX-XXXX ,XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX-XXXX,XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX-XXXX. This 2nd tempt to remove the items and requesting a freeze.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNTRUST BANKS, INC.
State: CA

Complaint narrative:
The collection department of Suntrust Bank Mortgage has contacted me over the telephone several times the past month, yesterday, and today XX/XX/2018 alleging that my mortgage payment is due and delinquent, when it is not. Their collector uses intimidating warning language and false facts ( ... this call is being recorded for debt collection puposes, your mortgage is due as of the first ... or someting like that ). They bought my loan recently, and as a result one of my payments went to the old mortgage company, which I guess put me on their bad list. I corrected the mistake as soon as I could, but they have blacklisted me and therefore the baseles, harassing and bulling calls started. The calls are harassing and demeaning ( one of their agents demeaned me by mocking my accent and pretending to speak mocking XXXX  ). I tried requesting them on the telephone to stop, with no avail.

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 2018-12-06 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: FL

Complaint narrative:
XX/XX/XXXX, I contacted my credit card company to inquire as to why my Experian credit report failed to show any record of my credit card account that was opened in XX/XX/XXXX and is still open to date. I was told by my credit card company that they were reporting it to all three credit bureaus every month and that I should contact Experian, and file a dispute with the credit card company to have it thoroughly investigated, which I did both. When I initially contacted Experian I was told that they had no record of my XXXX credit card account, so I needed to contact XXXX. At that time I submitted the dispute form to the credit card company, XXXX, and I received communication that they were accurately reporting to all three credit bureaus and that I should contact Experian. Today, XX/XX/XXXX, I contacted Experian again after noticing that my XXXX credit card account still has not been displayed on their report. I was told this time, that the account was removed from my credit profile, by Experian. I was told that it was an internal policy that they remove any accounts that has potentially negative information for anyone who is listed as an authorized user. Experian proceeded to explain that if there were no negative marks on the account, in my case one 30 day late payment reported in XX/XX/XXXX, they would keep the account displayed on my credit report. I was told by Experian that if I was added as a joint member on the credit card, all of the credit history with it would return to my Experian credit report. This seemed to be an easy fix, but my credit card company enforced a policy, without notifying consumers, that they will no longer provide joint credit accounts, and this attempt was failed when I reached out to my credit card company. 
With this internal policy that Experian has, I find it unfair, contradictory, and untruthful. What this policy allows is for authorized users to take credit for positive behavior that " does not belong to them '' when good marks on accounts are posted. This policy also allows for authorized users to not be held responsible for the account when negative marks are made because it " does not belong to them ''. In my situation, this policy is hurting my credit report because it is the majority of my credit history. Although I asked that it is reported on my Experian credit report with all of its positive and negative markings, to reflect the honest credit history, I was told they will not do so because this policy is in place. In this case this policy is hurting my credit score by not reporting my nearly 48 months of history because of one late payment. This policy is dishonest and misleading.

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 2018-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I want to file a formal complaint about TransUnion credit reporting agency. After 13 years of being divorce my credit report still states my married name. I provided TransUnion with a copy of my XXXX XXXX of California dissolution papers stating that line item on the legal document states my name to be restored to my maiden name and a copy of my California Driver 's license. TransUnion stated this is not sufficient enough ... ... they would not change my name back because it's not a 'legal document ' ... ..

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