vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-01 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: GA

Complaint narrative:
I have the same payment reported 4 times on my credit report inaccurately. I have tried calling and sending letters. These negative remarks are damaging my credit. The errors are keeping me from renting a house or apartment. My family is displaced from our home because of these errors.

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 2018-11-01 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have the same payment reported 4 times on my credit report inaccurately. I have tried calling and sending letters. These negative remarks are damaging my credit. The errors are keeping me from renting a house or apartment. My family is displaced from our home because of these errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01 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: GA

Complaint narrative:
I have the same payment reported 4 times on my credit report inaccurately. I have tried calling and sending letters. These negative remarks are damaging my credit. The errors are keeping me from renting a house or apartment. My family is displaced from our home because of these errors.

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 2018-11-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On XX/XX/2018 I received a bill for XXXX from Chase XXXX XXXX XXXX credit card. I called them at XXXX and was told it was for a annual fee that I got the first year for free and after that it automatically charged my credit card XXXX. I was told a bill was sent XX/XX/XXXX but I did not receive a bill. An interest charge of {$.00} was added to the XXXX charge because I didnt pay the bill in XX/XX/XXXX. Absolutely no communication was sent to me prior to the charge. I dont have this card and if I was going to be charged for a fee I wasnt aware of it. The guy I spoke to said it was in the fine print in the paperwork that came with the card over a year ago. Ive never used it and didnt know I even had it. When I try to setup an account online it asks for my social security number and I dont feel comfortable giving that out. When I said I wanted the card cancelled, I was told Id still have to pay the {$49.00} since it was more than 90 days when I called them. So they agreed to cancel the card but I still had to pay the {$49.00}. So Im paying for something I dont have. Can anything be done

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: FL

Complaint narrative:
I applied for 2 loans with the same lendee. Loan Depot. They took all my information via phone, told me everything looked good. 
They asked me for {$850.00} to appraise, both properties. 
Then they denied my loan. 
They never bothered compensating me the {$850.00}. 
What can I do???

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01 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: PA

Complaint narrative:
XXXX XXXX XXXX reported me as a delinquent debtor on my credit reports in XX/XX/XXXX without ever contacting me to inquire about the ( erroneous ) debt of {$430.00} They got the collection assignment from XXXX for service to a residence in XXXX XXXX between XX/XX/XXXX and XX/XX/XXXX ( account XXXX ). I have lived in XXXX XXXX, Pennsylvania since XX/XX/XXXX! This account was fraudulently put in my name. When I contacted XXXX this past spring to inform them that the debt wasn't mine they refused to remove the bad debt report from my credit record and said I would have to take it up with XXXX without providing any information about the XXXX account. I, again, called XXXX in XXXX of this year and insisted that they research the bad debt. They gave me a XXXX phone number and XXXX gave me an account number. I, then, filed a fraud report with XXXX but purposely left off my Social Security number ( which they really don't need to resolve this issue as they had the account number, my PA driver 's license, my address and my phone number ). XXXX called to say they would not process my fraud claim without a full SS #. I offered to give it to them over the phone. They refused, and said I could fax it to them. My fax doesn't work, so I mailed it to them. They then refused to process it bc it wasn't on their " fraud form ''. I have resubmitted a complete fraud form by registered mail to XXXX but it is clear to me all their privaricating is simply to delay processing my fraud claim and their data collection is solely meant to get my current personal information so their collection agency can harass me. This was proven out because XXXX, who had never sent me a single piece of mail in the interim four years, immediately sent me a collection notice. How is it legal for a collection agency to defame one 's credit rating to a credit rating agency without EVER contacting a person for collection or to determine whether the claim is, in fact, genuine? And how can XXXX claim I owe them money when I haven't had their service since I moved to PA in XX/XX/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 2018-11-01 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: FL

Complaint narrative:
OnXX/XX/2017, I send Equifax a dispute letter to take off the current bankruptcy on my credit report. Equifax responded back to me saying XXXX  Bankruptcy Court reply back verifying this bankruptcy on my credit report. And then I sent a 2nd dispute letter on XX/XX/2017. After that Equifax again sent a letter saying the bankruptcy court again verified this on my account. This is clearly a violation under Fair Credit Report Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Relin, Goldstein & Crane, LLP
State: NY

Complaint narrative:
Voluntarily returned vehicle could no longer afford. Sold amount remaining XXXX Debt collector already took well over 6000 we are always told a higher amount when we call They take a huge amount weekly where we are facing eviction company says no hardship pay the bill /welfare food stamps goes by gross we don't qualify will be homeless..credit report and paystubs says this debt should be pd off as ofXX/XX/2018 still taking money saying now we owe another XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Father diedXX/XX/XXXX XXXX XXXX, has a Wellsfargo Checking and Savings account, I XXXX XXXX  am the daughter and trustee, ( see proof ) went into Wellsfargo bank in XXXX   Ga said cant give money!!!!!! I am the trustee see proof! And Mr XXXX was a veteran!

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 2018-11-01 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: Waypoint Resource Group, LLC
State: PA

Complaint narrative:
Waypoint Resource Group reported me as a delinquent debtor on my credit reports in XX/XX/XXXX without ever contacting me to inquire about the ( erroneous ) debt of {$430.00} They got the collection assignment from XXXX for service to a residence in XXXX XXXX between XX/XX/XXXX andXX/XX/XXXX ( account XXXX ). I have lived in XXXX XXXX, Pennsylvania since XX/XX/XXXX! This account was fraudulently put in my name. When I contacted Waypoint this past spring to inform them that the debt wasn't mine they refused to remove the bad debt report from my credit record and said I would have to take it up with XXXX  without providing any information about the XXXX account. I, again, called Waypoint in XX/XX/XXXX of this year and insisted that they research the bad debt. They gave me a XXXX  phone number and XXXX gave me an account number. I, then, filed a fraud report with XXXX  but purposely left off my Social Security number ( which they really don't need to resolve this issue as they had the account number, my PA driver 's license, my address and my phone number ). XXXX  called to say they would not process my fraud claim without a full SS #. I offered to give it to them over the phone. They refused, and said I could fax it to them. My fax doesn't work, so I mailed it to them. They then refused to process it bc it wasn't on their " fraud form ''. I have resubmitted a complete fraud form by registered mail to XXXX  but it is clear to me all their privaricating is simply to delay processing my fraud claim and their data collection is solely meant to get my current personal information so their collection agency can harass me. This was proven out because Waypoint, who had never sent me a single piece of mail in the interim four years, immediately sent me a collection notice. How is it legal for a collection agency to defame one 's credit rating to a credit rating agency without EVER contacting a person for collection or to determine whether the claim is, in fact, genuine? And how can XXXX   claim I owe them money when I haven't had their service since I moved to PA in XX/XX/XXXX!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I noticed a negative account on my credit report from Bank of America for {$1700.00}. I sent BOA a debt validation request letter on XX/XX/XXXX which they did receive on XX/XX/XXXX @ XXXX. It is now XX/XX/XXXX & BOA has chosen to ignore this letter. They have NOT responded. I want this deleted from my credit reports Immediately & for them to cease. This is not my debt.

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 2018-11-01 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: FL

Complaint narrative:
OnXX/XX/2017, I send XXXX a dispute letter to take off the current bankruptcy on my credit report. XXXX responded back to me saying XXXX  Bankruptcy Court reply back verifying this bankruptcy on my credit report. And then I sent a 2nd dispute letter onXX/XX/2017. After that XXXX again sent a letter saying the bankruptcy court again verified this on my account. This is clearly a violation under Fair Credit Report Act.

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 2018-11-01 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: AES/PHEAA
State: MI

Complaint narrative:
On XX/XX/XXXX I disputed the inaccurate date of deliquency with XXXX  and this company responded on XX/XX/XXXX with no correction of the information provided to the credit bureau. I have emails stating the first date of deliquency for loans sequence XXXX,XXXX,XXXX,XXXX was XX/XX/XXXX and XX/XX/XXXX prior to me filing a Chapter XXXX bankruptcy in which these loans were included. I spoke to the company and they stated they sent a request to the owner of the loans and hadn't received a response however AES still reported inaccurate information to XXXX  that is negatively and inaccurately reporting on my credit report. AES also sent me information on XX/XX/XXXX showing the current loan status for each loan and it states " claim paid '' but this is not what is showing on my credit report as of date. These loans are beyond the 7 year reporting period, no payments have ever been made by me for any loan. I dont have a contract with AES and never have held a contract with them regarding these loans. My credit report payment history legend is incomplete and missing payment data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AmeriHome Mortgage Company, LLC
State: GA

Complaint narrative:
I would like to file a complaint about AmeriHome mortgage, based in CA.

We closed on our home and paid off our mortgage in full on XXXX. Prior to selling our house we had to pay all liens on it or the paperwork wouldn't go through. Because of this, we had to pay $ 3000+ in XXXX  county taxes that otherwise would have been covered by escrow prior to closing. Amerihome paid our tax bill to XXXX  County after we already paid it, so they were refunded the same day, XX/XX/XXXXir.

When XXXX County refunded our tax bill they did it in a lump sum, and I was given the amount that I had to reference by the county representative ( approx {$200000.00} ) in order for them to find it faster in their system. I called on the XX/XX/XXXXasking for an update and I talked to a representative that said they had to open a ticket and that they had 15 business days from the time they received the check to send out my payment - which would be by XX/XX/XXXX. I called back on the XXXX to verify - and that representative said the same thing.

On XX/XX/XXXX ( today ), I called Amerihome back, after I didn't get the check in the mail, to verify that I would be getting it by the next day. The representative that answered, XXXX, told me that what the previous two people had told me was not correct, and that although my ticket was opened on the XXXX, I would not be getting my money back until 15 business days AFTER their ticket was resolved on the XXXX. I understand policies are policies, but they can't go holding over {$3000.00} hostage for OVER A MONTH, when they received a wire transfer from XXXX  County on XX/XX/XXXX.

Please help/investigate. I'm sure I'm not the only one in GA having problems with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01 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: CA

Complaint narrative:
I have submitted multiple disputes via Certified Mail since XX/XX/XXXX requesting XXXX  ( as well as the other Credit Reporting Bureaus ) to verify incorrect late payments showing on four of my accounts. They have failed to provide me Verifiable Proof in which I have repeatedly asked for per Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ). They have also failed to provide me with the method of verification as required under FCRA Section 611 ( a ) ( 7 ). My accounts are in good standing and the inaccurate late payment reporting is negatively affecting my credit scores. I have four accounts that show inaccurate late payments and am demanding they be deleted immediately : XXXX_ 30 day late ( XX/XX/XXXX ) ( XX/XX/XXXX ) XXXX XXXX XXXX_ 30 day late ( XX/XX/XXXX ) ( XX/XX/XXXX) & 60 day late (XX/XX/XXXX ) * my credit report is showing different months of late payments from all the Credit Bureaus XXXX XXXX XXXX_ 30 day late ( XX/XX/XXXX ) XXXX XXXX_ 30 day late ( XX/XX/XXXX), 60 day late ( XX/XX/XXXX ), 30 day late ( XX/XX/XXXX ), 60 day late ( XX/XX/XXXX ) Again this is inaccurate and incorrect reporting and I have yet to receive verifiable proof on the accounts listed. They have had more than enough time to do a proper investigation on the accounts yet they have refused to comply per FCRA rules and regulations.

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 2018-11-01 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: CA

Complaint narrative:
I have submitted multiple disputes via Certified Mail since XX/XX/XXXX requesting XXXX ( as well as the other Credit Reporting Bureaus ) to verify incorrect late payments showing on four of my accounts. They have failed to provide me Verifiable Proof in which I have repeatedly asked for per Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ). They have also failed to provide me with the method of verification as required under FCRA Section 611 ( a ) ( 7 ). My accounts are in good standing and the inaccurate late payment reporting is negatively affecting my credit scores. I have four accounts that show inaccurate late payments and am demanding they be deleted immediately : XXXX 30 day late ( XX/XX/XXXX ) ( XX/XX/XXXX) XXXX XXXX XXXX   30 day late (XX/XX/XXXX) ( XX/XX/XXXX ) & 60 day late ( XX/XX/XXXX ) * my credit report is showing different months of late payments from all the Credit Bureaus XXXX XXXX XXXX_ 30 day late ( XX/XX/XXXX ) XXXX XXXX_ 30 day late ( XX/XX/XXXX ), 60 day late ( XX/XX/XXXX ), 30 day late ( XX/XX/XXXX), 60 day late ( XX/XX/XXXX ) Again this is inaccurate and incorrect reporting and I have yet to receive verifiable proof on the accounts listed. They have had more than enough time to do a proper investigation on the accounts yet they have refused to comply per FCRA rules and regulations.

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 2018-11-01 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: CA

Complaint narrative:
I am in the process of trying to refinance my two Mortgage Loans that are presently with XXXX XXXX XXXX ; a first mortgage and a HELOC. 

Unfortunately, the 3 Credit Reporting Agencies will only show information provided by XXXX that shows both mortgage accounts are Closed, there is {$0.00} balance and there has been No Payment since XX/XX/XXXX/XX/XX/XXXX. 

This is playing havoc with my FICO scores and credit history. It is making it extremely difficult to obtain a new Mortgage when the current Mortgage Loans are not being accurately reported. Moreover, any potential new lender doesn't even know what the current payoff amount would be. Should it be {$0.00}, since that is what XXXX is reporting? 

I have a First Mortgage with a balance of {$260000.00} that started XX/XX/XXXX, and a Home Equity Line of Credit with a balance of {$150000.00} that started XX/XX/XXXX with XXXX XXXX XXXX XXXX   for a total mortgage debt of {$410000.00}. As noted herein, both accounts were open in XX/XX/XXXX, but not at the same time - and both should reflect a perfect payment record with the 3 Credit Reporting Bureaus. But they do not! 

I filed a Chapter XXXX Bankruptcy in XX/XX/XXXX and all debt was discharged and closed in XX/XX/XXXX, including the two XXXX XXXX  mortgages. XXXX XXXX the current lien holder for both mortgages, will not report any financial information to the 3 Credit Reporting Agencies, because a Letter of Affirmation was never executed within the first 60 days after the initial 341 meeting with the Federal Bankruptcy Court ( Federal Rule Bankruptcy Procedure 4008-A ). 

I spoke with several people at XXXX XXXX, the latter part of XX/XX/XXXX and they could not or would not help. That is their policy and at present there is nothing I can do to have them reconsider their position. The 3 Credit Reporting Agencies will only show information provided by XXXX that indicates both mortgage accounts are Closed, there is {$0.00} balance and there has been No Payment since XX/XX/XXXX/XX/XX/XXXX. 

The information reported is totally inaccurate and does not reflect that I have been making on-time payments for the last 13-14 years, since the loans were originated. I have filed disputes with all 3 Credit Reporting Agencies - that were fruitless. So now I am turning to you. 

However, attached, you will find 2 documents provided to me by XXXX that contradicts what they report and does show my excellent payment history for both accounts. I also included the latest monthly Statements provided to me by 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