vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-06 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax is reporting incorrectly a charge-off in the amount of {$1700.00} on the XXXX partial account number XXXX. ( Please see page 2 of the attached credit report. ) This account is reporting an incorrect balance and I have not been provided with an itemized statement on this account even though I have requested one. 
This incorrect reporting of a charge-off is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to fix this, however I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
My name is XXXX XXXX SS # XXXX Re : XXXX University acct # XXXX UAS ; XXXX account opened : XX/XX/XXXX I talked to a lot of peoples over a 3 month period. My student loan was put in collections, and all of a sudden I noticed it showing back as updated on my credit. I am in the process of getting a house and called my credit consultant and she told me to call them and ask why it is showing up and request it to be removed due to it being over 7 years. It was removed from collections and updated to my credit report. This caused my score to come down and it shows about 21 late on my credit history. I talked to XXXX University who referred me to collections, who referred me to talk to UAS. I was told that I could apply for hardship to get this payment decreased or removed all together. I was denied for some reason. I sent in letter to request this be removed from my credit due to this bill being since XXXX. I was told if I paid the XXXX they would remove it from my credit. I paid this amount and asked them several times during the conversation in XXXX and In XXXX will this be removed and I was told yes that once I made payment they would contact credit bureau and remove it. I paid this on XX/XX/XXXX. I called back in the next day and asked them when would it be removed and the lady told me they would update but would not remove. I told her that's not what I was told and I am upset because I explained to the guy that my credit consultant told me to ask them to remove if I paid it and if they were not going to remove it I would not pay it because it would not help my credit. I asked to talk to supervisor and got the same response. I called my credit consultant and she told me to call back and request it be removed because they should not have told me this in the first place. If they refuse to remove to le them know I would file complaint with CFPB. I didn't know the exact date the guy told me they would remove and I suggested that they listen to the calls and they would hear him telling me this. There was a language barrier and I explained to him several times and he said pay and we will remove not update. The supervisor said he would investigate and call me back. He called me on XX/XX/XXXX and said he listened to the calls and I did ask them to remove and was told they would update my credit. That is not true and I don't believe he listened to all the calls or he just not admitting the truth. I am very upset because I feel like I was mislead to pay just to get my money. I strongly feel they should remove this account from my credit due to their mistake. They updated it in XXXX they said and I don't know why. the 7 years statue of limitations would have been over in XXXX. Please review this case and ask to hear all the recordings and you will hear where the guy told me this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA

Complaint narrative:
I need a copy of my statements from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. They never sent them to me and refuse to allow me access to my closed account to view them myself. On XX/XX/XXXX, at XXXX PDT, I spoke with a very unprofessional and abrasive agent named XXXX XXXX. She was combative and abusive on the phone call, used profanity and insults and hung up on me. 

I need a copy of these statements, since they were never mailed to me, or to regain access to my account to view them. 

It is illegal to deny me access to my own statements, of my own financial history. It is my legal right to view my financial statements and you can not deny me access to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XX/XX/2019 - I was notified through my credit reporting service that XXXX XXXX is reporting me as late for XX/XX/2019. 

I made 2 payments that month. 
XX/XX/XXXX for {$230.00} made over the phone. 
XX/XX/XXXX - From email from XXXX advising me the payment posted. 
I did not notice For some reason the payment never hit my bank account. I did not notice {$230.00} still in my bank account. 
XXXX failed to alert me the payment did not go through. 
They have a messaging system through the app and as of today, there is no messages about this payment. 

I paid them. Not sure what they did with the payment information. I pay every month the same way and never had an issue.

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 2019-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Meridian Financial Services, Inc.
State: MO

Complaint narrative:
This account with XXXX is in dispute, the collection agency has been notified twice by registered mail that the account is in dispute. It was my understanding that the collection agency was barred from reporting the account to credit reporting agencies while an account is in dispute per Missouri State law. As you can see, I have excellent credit and none of this would have happened if XXXX XXXX had lived up to their agreement with me. I have retained the services of XXXX XXXX XXXX, XXXX XXXX, Mo. They have identified several incidents of fraudulent activity by XXXX against us.

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 2019-08-06 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: MARINER FINANCE, LLC
State: MO

Complaint narrative:
On XX/XX/2019 at exactly XXXX, I received a phone call from a Ms XXXX XXXX the phone number XXXX. This individual did not verify my identity in any way. I never during this phone call confirmed my name. However, after requesting to receive any communications via mail, this person started to threaten me with garnishment of my wages. I have requested any communications regarding the reason for thw call be sent via mail to the address the company had on file. I have requested this several times and still continue to receive harassing calls. When I requested a mailing address to make this request in writing, the caller " Ms XXXX '' continued to threaten me and would not provide a mailing address.

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 2019-08-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P.
State: CT

Complaint narrative:
i called southwest credit systems since they are reporting a balance owed from XXXX on an account closed in 2015. Southwest credit systems has never contacted me about this debt but have been reporting and damaging my credit for almost 2 years. they have an address from 2015 where they claimed they have been sending mail when I moved from that location in 2015. southwest has had more than one account for me so they had valid contact addresses before today. that is a tactic to state that they could not reach me when they are purposefully sending the communication to the wrong address also the gentleman I spoke to had my cell phone # because it is the same cell # I had when I had the account -- he actually asked me is that still a good # -- so they had it all along and they could have called to verify if by some strange chance they did not get the flipping memo. This company is using workarounds to report and damage peoples credit and they need to be stopped, I have rights that were violated by them not notifying me at the correct address and I do not recall EVER receiving a phone call from this agency. they need to make corrections to my credit report for not following the law.. also my address has been updated through the postmaster on my credit reports and public information if they bothered to check instead of sending correspondence to a 4 year old address -- and the balance is wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX at XXXX XXXX and on XX/XX/XXXX at XXXX I received 2 text messages on my phone about my credit report being unlocked for 49 minutes! When I call the representative from Equifax He stated to me that they have no record of my credit report ever being unlocked! If you view the screenshot below You will see the to text messages that I received from Equifax on my phone stating that my account was on unlocked for 49 min then locked back at XXXX XXXX! I will take Legal action unless Equifax Can reach a settlement agreement! I feel this will be fair! Because no one should be allowed to access your credit report when it's locked.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
TransUnion is reporting lates on XXXX XXXX that should no longer be there, these lates have been removed off of other bureaus and I have a deletion letter from XXXX. I have disputed this multiple times and sent proof that I was not late 3 times now. They have responded claiming the lates are valid again and again and they are not.

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 2019-08-06 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I had disputed 8 erroneous late payments that were showing up on my credit reports, and Equifax finally removed 7 of them a few month ago. NOW, I pulled my credit report again, and they have illegally REINSERTED the same late payments again without notifying me at all, which is a violation of the FCRA. Not only did they REINSERT them, they also are reporting that they were 90 days late, but not reporting 60 or 30 days late before that. That is also a violation of the FCRA, and inaccurate. I was never late on these accounts, and they had removed the late payments for MONTHS, and then suddenly reinserted them. The accounts are all " Dept of Ed/XXXX '' accounts. The account numbers are as follows : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
i have my checking account linked into my XXXX for XXXX and XXXX. I had only my XXXX   account preferred for payment, XXXX used my bank of america account. i put in a dispute with XXXX. i been on hour wait call with bank of america , bank of america refuse to drop XXXX overdraft fees, i explained to the representative she said no. and also said feel freeto put in a complaint that i will still be held accountable. I am very upset.

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 2019-08-06 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN DESTROYED. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I was legally allowed by the federal bankruptcy court on XXXX XXXX in XXXX maryland to be allowed to discharge approx XXXX in unsecured credit card debt owed capital, one a limited llc, corporation.The bankruptcy final judgement occurring on or about the end of XXXX or the being of XXXX The legal department of Capital one credit in a capricious, illegal and retaliatory manner attached a lien again me and my then wife XXXX XXXX XXXX XXXX XXXX then home at : XXXX XXXX XXXX XXXX md XXXX This prevented us when our fledgling XXXX of only 7 years failed, from us selling in a free market our business and home in a timely manner. The illegal lien placed by capital one upon our principal residence prevented such a sale by us, because we lacked the funding necessary to secure legal counsel against this giant corporation. Although such action was seriously considered by us. 

As a result our entire equity in our principal residence which was close to XXXX XXXX was lost when the bank who held our mortgage note foreclosed and privately sold our home to an undisclosed third party I demand this XXXX sleepy companies practices be exposed and all legal damages be paid to me XXXX XXXX XXXX and my formal spouse at the time XXXX XXXX. 

Capital ones knowingly went gainst the direct court order of the federal administrative judges final verdict and the executives should be found culpable of criminal conspiracy to defraud a small business owner of their sole key asset, their home XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: KEYCORP
State: CT

Complaint narrative:
Last year my student loans held by Key Bank were changed from being serviced through XXXX XXXX to XXXX. Yesterday, XX/XX/2019, I received a letter from XXXX informing me that one of my Key Bank loans had been moved to collections and I need to pay them a little more than {$21000.00}. Today, XX/XX/2019, I called Key Bank. They told me that one of my accounts with them had been cashed out back in XXXX due to lack of payment. This makes no sense as I've been making my monthly payments. Key Bank went on to tell me that they have records of attempting to contact me on the phone. I have received calls from them in the past, however, these were all automated calls regarding various times that I have occasionally been a little late with my payment. On all of these occurrences I made the appropriate payments via the XXXX website I was instructed to use and then the automated calls stopped. I have not received any other notices that I had any accounts in delinquency. In fact, both XXXX and Key Bank simply stopped sending me bills for the problematic account and it does not show up at all on the website I use for payments. I went on to call XXXX following my conversation with Key Bank as Key Bank instructed me to. They said that I had stopped paying that one account last XXXX. I asked them how that was possible since all my other accounts are up to date and they take a single payment from me to pay all of them. I was told that I'd need to speak to a supervisor about that, but they'd have to call me back because they're too busy. I'm currently waiting for their call back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC
State: NV

Complaint narrative:
Sequim Asesst Solutions, LLC collected {$180.00} from me on XX/XX/19 to resovle an outstanding disputed bill with XXXX XXXX XXXX XXXX XXXX. They then recently contacted me on XX/XX/19 wanted to collect an additional {$100.00} after the account was settled and of course their collection tactic is were going to damage my credit and report the account to the reporting agencies if I don't pay.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: NJ

Complaint narrative:
Existing conventional mortgage transferred from XXXX XXXX 2019 to XXXX XXXX. Since transfer I have been paying the mortgage on time with the necessary funds.I have included the correct loan number and address for payment. ISSUE : I have confirmed with my banking institution that the money was paid and the checks were cashed. However, during two of the last three months XXXX has claimed they have not received my payments. I have made multiple call to XXXX XXXX XXXX and they have not resolved the issue.

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 2019-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently reviewed my credit report an noted some unauthorized inquiries. Unauthorized inquiries are listed as : XXXX  Inquiry Date XX/XX/XXXX XXXX  XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX   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 explanation
Consumer complaint received 2019-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I recently reviewed my credit report an noted some unauthorized inquiries. Unauthorized inquiries are listed as : XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 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:
fcra violation giving off fulse information on credit report that are not accurate i paid for all 3 on all 3 company and only one even close is experian

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 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:
fcra violation giving off fulse information on credit report that are not accurate i paid for all 3 on all 3 company and only one even close 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 2019-08-06 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:
fcra violation giving off fulse information on credit report that are not accurate i paid for all 3 on all 3 company and only one even close is experian

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 2019-08-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Radius Global Solutions LLC
State: PA

Complaint narrative:
Repeatedly told them to not contact. They refused to listen unless I offer them my identity. Why would I give you my information when you call me from 500 different phone numbers, 17 times in 22 minutes. I've been threatened, screamed at, hung up on, and the calling for 1 ring and hanging up is getting old. I am not the person you're calling about and you illegally harass me because I won't tell you who I am? I'm in contact with a lawyer that is handling a mass suit against your companies illegal practices.

Company response to consumer: Closed with explanation