vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-24 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: TX

Complaint narrative:
I have submitted letters in XX/XX/2017, XX/XX/2017, XX/XX/2017 .... These companies still have fraudulent information on 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 2018-07-24 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: Ad Astra Recovery Services Inc
State: OH

Complaint narrative:
Just found out tonight that I have a social security variation on my XXXX credit file. I called XXXX and asked for the name of the creditor supplying the social security variation. They told me is was a debt collection company called Ad Astra Recovery. Id like to state I have the right to have correct and accurate information on all of my credit files. The social security number Ad Astra Recovery is using under my name puts me at risk for having my files mixed with this other person. They are blatantly ignoring the FCRA law. This social security number does not identity me on this account. I demand for Ad Astra Recovery to correctly update my personal identification number with all three credit bureaus or delete the account. The social security number Ad Astra Recovery is using in connection with this account does not identify me. They are reporting another individuals social security number under my name with all the credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have submitted letters in XXXX  2017, XXXX 2017, XXXX  2017 .... These companies still have fraudulent information on 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 2018-07-24 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: TX

Complaint narrative:
I have submitted letters in XXXX 2017, XXXX  2017, XXXX  2017 .... These companies still have fraudulent information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 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: OK

Complaint narrative:
On XX/XX/2018 I received a phone call from XXXX at XXXX XXXX in XXXX, Oklahoma where I currently have a loan. As they do every month, she called to offer additional funds if I wanted to come in and renew my loan. This time I decided to follow up on the offer. I went into the store. I made it very clear to XXXX that I did not want my credit run again as we were beginning the process of buying a home. XXXX advised that because I was renewing that my credit would not be run again. There would be NO hard inquiry. I ended up not getting the loan renewed that day. 
However, just a few days later on XX/XX/XXXX I learned that my credit had been run anyway and that a hard inquiry was made. I called XXXX to advise her of this and she apologized and said no that she had not run my credit. I advised that was not true because my credit monitoring had picked it up the inquiry. She advised that she would call the main office and get back to me. XXXX called back that day and again apologized and said that changes were made in the system and was told by the main office that because of this my credit had been run again. However, she stated that was in error and she advised that the FCRA Team at the main office told her that they would have it submitted for removal within 72 hours. She stated that she would call me that following Monday to confirm. She never called. Fast forward to over a month later and today on XX/XX/18 I called XXXX and asked why she never called me back. She apologized and said that she has been so busy over the past several weeks that she didnt have time to call. She stated that she was sent a letter from the main office and was told that the new procedure was that the system would pull a hard inquiry even though " they '' in the office are saying otherwise. She advised that she will get back with their main office but says she can not force them to do this removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 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:
My previous CFPB complaint ID is -XXXX. ( XXXX ) -XXXX. ( XXXX ) -XXXX. ( EXPERIAN ) Also, XXXX XXXX Account Number : XXXX CFPB Case Number : XXXX I will file a complaint again because it has not been resolved yet. Anyhow, I have received a confirmation letter from XXXX XXXX on XX/XX/XXXX. 

They told that In your letter, you indicated our credit furnishing is still showing as Settled in Full. We regret any inconvenience this matter may have caused. As a result of your inquiry, we have asked the credit reporting agencies to update their records regarding your XXXX XXXX account to reflect it as Paid in Full ''. 

But after 30 days I looked at the credit reports for each agencies and found out that they were still not yet correct. 

Please, refer the following statements to my previous complaints. 

- XX/XX/XXXX ; XXXX XXXX was charging $ XXXX.Claim for Excess Wear & Tear, after returning leased car. 

- XX/XX/XXXX ; Made for Total Settlement Amount Due {$1200.00} ( Account Balance {$1600.00} ) Payment Installment Plan with XXXX XXXX Down Payment Promise Date XX/XX/XXXX -  {$610.00} ( Paid on time ) Final payments @ {$610.00} XX/XX/XXXX {$610.00} ( Paid on time ) Total Payment Installment Plan : {$1200.00} -XX/XX/XXXX ; XXXX XXXX credit report to Potentially Negative Account with late payment. 

- XXXX XXXX XXXX sent confirmation mail, " XXXX has been settled and you are released from any and all obligations ''. ( Attached Documents with copy of check ). 

-XX/XX/XXXX Made a phone call with XXXX XXXX discussing why my credit report was negative when I already payed off the settlements on time. The reply was if I paid off my remaining balance, the credit report wouldn't be negative anymore. 

-XX/XX/XXXX *Payed off remaining balance of {$400.00}.

*XXXX XXXX sent confirmation mail, " XXXX is now satisfied and you are released from any and all obligations ''. ( Attached Documents with copy of check ). 
*Credit report remained negative even after receiving these confirmation letters. 
*Made a call to XXXX about this issue ; wasn't given a solution. 

-XX/XX/XXXX *Disputed to 3 Credit Bureau for issue ( See above ). 
*Received dispute result from EXPERIAN , " Completed investigation of FCRA dispute - consumer disagrees '' AND XXXX XXXX , " DISP INVG COMP-CONSUM DISAGRS ; >SETTLED-LESS THAN FULL BLNC< ; CLOSED. '' * Also, XXXX " Account paid for less than full balance. '' Thank you.

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 2018-07-24 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: OH

Complaint narrative:
I have fraud alerts on my credit files with all 3 credit bureaus and I placed a freeze on my Equifax credit report along with locking my XXXX and XXXX. On XX/XX/2018 I was notified by XXXX   for an account that was flagged and placed on my credit report. This account was XXXX XXXX. I immediately disputed the account as fraudulent with all three bureaus. Equifax refuses to delete the fraudulent account even after submitting my identity theft report to them. I was never notified of this account by Equifax not was I ever sent a bill summary showing or a notice of my rights to dispute. I have disputed the account countless times with Equifax, I recently received mail from Equifax stating they wouldnt reinvestigate the account any further. I have also sent my Identity Theft report to XXXX XXXX. Equifax is now ignoring any further communication with me as a result of me disputing the account. I have sent certified mail to them of my identity theft report along with the letter the FTC told me to send including copy of credit report, drivers license, social security card and proof of residency. I do not have the right to be ignored by this credit reporting agency for thier poor job into the investigation of this account that is known the be from identity theft. I have submitted to them proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA

Complaint narrative:
Called Carrington Mortgage spoke to 2 managers sent DM on XXXX on XX/XX/18. Credit report shows missed XX/XX/2018 payment, payment was made on XX/XX/2018 not the first time reporting incorrect information, their process is to file dispute wait 30 days. This seems to be a reoccurring problem

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Eastern Account Systems of Connecticut, Inc.
State: FL

Complaint narrative:
In 2015 I went in to have some dental work done by XXXX XXXX. We began the process but was unable to finish because I moved to the state of Florida. Though we did not complete the process I was still charged in full. I was unaware until I received the bill from the collection agency that I still owed XXXX XXXX 's office. Despite not agreeing with the charge I still payed in full immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On XX/XX/2018 I pulled my credit report from credit check total. To my surprise I stumbled upon 3 Bankruptcy Accounts reporting in public records. So I wrote a letter to the Bankruptcy Court In Illnois informing them of the inaccuracies of these accounts reporting on my credit file. And on XX/XX/2018 The Bankruptcy Court Of Illnois informed me that they do not provide information to the credit bureaus. So on XX/XX/2018 I wrote to all three credit bureaus informing them of the letter I received from the Bankruptcy court of Illnois stating they do not furnish information to none of the three 3 credit bureaus. And on XX/XX/2018 XXXX removed all 3 Bankruptcy accounts from my credit file. I recently checked my credit file an seen that Equifax had removed the Bankruptcy from my credit file between XX/XX/2018 and XX/XX/2018. And then Equifax added the bankruptcy back to my credit file between XX/XX/2018 and XX/XX/2018. In  accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), they are required to notify e in writing within 5 business days. I received no notification. This is a very serious violation for Equifax. XXXX have yet to respond to my letter I sent certified mail on XX/XX/2018 in which certified mail states they received my letter XX/XX/2018. I herby demand that you immediately delete the items from my credit report. Bankruptcy Reference # XXXX Bankruptcy # XXXX Bankruptcy # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
My name is XXXX XXXX, I've reached out to Sears Master Card services, to resolve a promotional balance program. I didn't sign up for this protional program and I requested that Sears show me proof of signature or evidence to my involvement in a promotional balance. I went on a cruise during The month of XX/XX/2017. I consumed a XXXX during that trip and Sears Master Card placed me in a promotional balance program that I didn't sign up for. I've been with this company for about 5 years and I've never missed a payment. I'm being charged outrageous high interest rates that's additionally added to my monthly note. I have audio proof of contact with Sears discussing my concerns. They can't show any signatures of me signing up for this program. I'm struggling to pay this, Sears is trying to charge me XXXX month plus, this amount is basically XXXX additional to my monthly note. My automatic payment went from XXXX to XXXX. I need proof I sign up for this program I wasn't aware of.

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 2018-07-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: FL

Complaint narrative:
I HAVE TRIED TO CONTACT THE BANK OF AMERICA SINCE, XXXX XXXX, XXXX XXXX, XXXX XXXX, AND THE LAST ON XXXX XXXX I ASK THE BANK OF AMERICA TO SEND ME A COPY OF THE APPLICATION OF THE ORIGINAL CREDIT CARD WITH MY SIGNATURE, BANK OF AMERICA I HAVE NOT BEEN ABLE TO PROVIDE IT, AND I HAVE ALREADY PASSED MORE THAN 90 DAYS AND I CONTINUE TRYING TO BE SENT THAT APPLICATION FROM THE ORIGINAL CREDIT CARD ACCORDING TO THE LAW THE BANK HAVE A PERIOD OF UP TO 30 DAYS TO PROVIDE THIS INFORMATION OR SHOULD BE REMOVED FROM MY CREDIT REPORT, VILOLACION OF THE FAIR DEBT COLLECTION PRACTICES ACT ( INCLUDING BUT NOT LIMITED SECTION 807-8 ) VIOLATION OF THE FAIR CREDIT REPORTING ACT ( INCLUDING BUT NOT LIMITED TO SECTION 623-B

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 2018-07-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
Ditech Financial assumed my home loan from Greentree, who previously assumed my loan from XXXX. I have excellent credit that has been threatened by Ditech representatives for their gross negligence. In XX/XX/XXXX, I made a payment of {$1400.00} on XX/XX/XXXX, received by Ditech on XX/XX/XXXX. I later noticed that my payment had increased, therefore, I made an additional payment of the difference of {$86.00} on XX/XX/XXXX, received by Ditech on XX/XX/XXXX. I wanted to make sure that they received their payment by the cutoff of their late due date of XX/XX/XXXX. However, I was sent a letter with a late fee charge of {$40.00}. The difference was paid before the cutoff, therefore, there should be no late fee. I then made my XXXX payment early because of issues stemming from XX/XX/XXXX. I was informed during that time that my payment was late because it was received after the first of the month. I spoke with several different representatives, whom were all demanding of an unwarranted late fee, and finally spoke with a belligerent manager. She said the same thing ... 'your payment was received after the first of the month, and it is therefore late and you are being charged a late fee '. I was threatened that I would be turned over to the credit bureau if I did not resolve " their '' issue and pay a penalty. Therefore, I started paying earlier than usual. However, since I made two payments in XXXX of XXXX, they decided to apply the early XXXX payment towards principal. Therefore, I have been assessed with a monthly late fee of {$40.00}, that is now equivalent to {$160.00} per their misconception in paying my monthly payment a little early so I could avoid these preposterous late fees. 

This company is affecting my credit and utilizing unscrupulous tactics to collect unjustifiable late fees. The representatives for this company are irrational and do not aid in solving the problem. They will only ask for payment. I am done dealing with this company - please listen to all the complaints you receive. I wish XXXX had never sold my loan - I NEVER would have chosen Greentree or Ditech. I hope something is done to change their unjust late fees. I refuse to pay something I do not owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX I pulled my credit report from credit check total. To my surprise I stumbled upon 3 Bankruptcy Accounts reporting in public records. So I wrote a letter to the Bankruptcy Court In Illnois informing them of the inaccuracies of these accounts reporting on my credit file. And on XX/XX/XXXX The Bankruptcy Court Of Illnois informed me that they do not provide information to the credit bureaus. So on XX/XX/XXXX I wrote to all three credit bureaus informing them of the letter I received from the  Bankruptcy court of Illnois stating they do not furnish information to none of the three 3 credit bureaus. And on XX/XX/XXXX XXXX removed all 3 Bankruptcy accounts from my credit file. I recently checked my credit file an seen that XXXX had removed the Bankruptcy from my credit file between XX/XX/XXXX and XX/XX/XXXX. And then XXXX added the bankruptcy back to my credit file between XX/XX/XXXX and XX/XX/XXXX. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), they are required to notify e in writing within 5 business days. I received no notification. This is a very serious violation for XXXX. Experian have yet to respond to my letter I sent certified mail on XX/XX/XXXX in which certified mail states they received my letter XX/XX/XXXX. I herby demand that you immediately delete the items from my credit report. Bankruptcy Reference # XXXX Bankruptcy # XXXX Bankruptcy # 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 2018-07-24 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:
My previous CFPB complaint ID is XXXX. ( TRANSUNION ) XXXX. ( XXXX ) XXXX. ( XXXX ) Also, XXXX XXXX  Account Number : XXXX CFPB Case Number : XXXX I will file a complaint again because it has not been resolved yet. Anyhow, I have received a confirmation letter from XXXX XXXX on XX/XX/XXXX. 

They told that In your letter, you indicated our credit furnishing is still showing as Settled in Full. We regret any inconvenience this matter may have caused. As a result of your inquiry, we have asked the credit reporting agencies to update their records regarding your XXXX auto account to reflect it as Paid in Full ''. 

But after 30 days I looked at the credit reports for each agencies and found out that they were still not yet correct. 

Please, refer the following statements to my previous complaints. 

- XX/XX/XXXX ; XXXX XXXX was charging $ XXXX for Excess Wear & Tear, after returning leased car. 

- XX/XX/XXXX ; Made for Total Settlement Amount Due {$1200.00} ( Account Balance {$1600.00} ) Payment Installment Plan with XXXX XXXX Down Payment Promise Date XX/XX/XXXX - {$610.00} ( Paid on time ) Final payments @ {$610.00} XX/XX/XXXX {$610.00} ( Paid on time ) Total Payment Installment Plan : {$1200.00} -XX/XX/XXXX ; XXXX XXXX credit report to Potentially Negative Account with late payment. 

- XX/XX/XXXX XXXX XXXX sent confirmation mail, " XXXX has been settled and you are released from any and all obligations ''. ( Attached Documents with copy of check ). 

-XX/XX/XXXX Made a phone call with XXXX XXXX discussing why my credit report was negative when I already payed off the settlements on time. The reply was if I paid off my remaining balance, the credit report wouldn't be negative anymore. 

-XX/XX/XXXX *Payed off remaining balance of {$400.00}. 
XXXX XXXX sent confirmation mail, " XXXX is now satisfied and you are released from any and all obligations ''. ( Attached Documents with copy of check ). 
*Credit report remained negative even after receiving these confirmation letters. 
*Made a call to XXXX about this issue ; wasn't given a solution. 

-XX/XX/XXXX *Disputed to 3 Credit Bureau for issue ( See above ). 
*Received dispute result from XXXX  XXXX " Completed investigation of FCRA dispute - consumer disagrees '' AND TRANS UNION XXXX " DISP INVG COMP-CONSUM DISAGRS ; >SETTLED-LESS THAN FULL BLNC< ; CLOSED. '' * Also, XXXX  " Account paid for less than full balance. '' Thank you.

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