vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-22 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: PA

Complaint narrative:
i have submitted multiple disputes to the 3 credit bureaus as well as XXXX XXXX and they just come back verified ... how did they all conduct proper investigations when all of most of the information is inconsistent across all 3 bureaus reporting? they didnt conduct a proper investigation ... i am attaching a snip of my 3 bureau report as well as a few of the letters i sent ... .they are in violation and i need this deleted now ... they are reporting different balances, different highh credit, different credit limits, different past dues, it has been re-agaged, and take a look at that inconsistent 2 year history ....

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 2020-12-22 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: PA

Complaint narrative:
i have submitted multiple disputes to the 3 credit bureaus as well as XXXX XXXX and they just come back verified ... how did they all conduct proper investigations when all of most of the information is inconsistent across all 3 bureaus reporting? they didnt conduct a proper investigation ... i am attaching a snip of my 3 bureau report as well as a few of the letters i sent ... .they are in violation and i need this deleted now ... they are reporting different balances, different highh credit, different credit limits, different past dues, it has been re-agaged, and take a look at that inconsistent 2 year history ....

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 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: PA

Complaint narrative:
i have submitted multiple disputes to the 3 credit bureaus as well as XXXX XXXX and they just come back verified ... how did they all conduct proper investigations when all of most of the information is inconsistent across all 3 bureaus reporting? they didnt conduct a proper investigation ... i am attaching a snip of my 3 bureau report as well as a few of the letters i sent ... .they are in violation and i need this deleted now ... they are reporting different balances, different highh credit, different credit limits, different past dues, it has been re-agaged, and take a look at that inconsistent 2 year history ....

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 2020-12-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
This complaint goes back to 2010 when Wells Fargo wrongfully denied me for a loan modification on my XXXX XXXX owned loan. I have spent the last 10 years seeking an explanation and resolution from Wells Fargo. At the time of the request for a loan modification I was paying my own escrow and I was only paying the principle and interest to Wells Fargo ( PI ). When Wells Fargo reviewed my application it used the current PI and compared the payment to a full PITI ( principal, interest, taxes and insurance ) payment. Wells Fargo clearly committed an error in denying me my application for a modification by stating that the proposed modified payment would be greater than the current payment. This statement is false and based on faulty numbers. As is evidenced by the attachments, Wells Fargo refuses to admit it committed an error. Wells Fargo has changed the reason ( s ) for denials for modification in every letter it has issued. WF wants to claim no harm no foul because I was able to eventually secure a refinance. However, that does not take away from the fact that Well Fargo 's numbers were wrong. It appears to be a flaw in Wells Fargo 's software utilized in reviewing a loan modification. Wells Fargo incorrectly relied on current payment, even if only PI to compare a modified payment which was PITI. This mistake could have far reaching ramifications in that thousands of borrowers could have lost their homes due to the use of incorrect numbers. On top of Wells Fargo 's mistake in utilizing incorrect numbers to determine PITI, it to date falsely claims that XXXX XXXX never approved me for a loan modification when in fact XXXX XXXX did approve me for a standard modification. I have had several conversations with XXXX XXXX directly where I was informed I was in fact approved and they even supplied me with the terms I was approved for. Wells Fargo claims XXXX XXXX was incorrect in stating I was approved and claims that XXXX XXXX used the wrong numbers ( numbers which they refuse to give me ). Now WF is claiming that XXXX XXXX never approved me. In typical fashion, WF changes its reason for denial as it sees fit not based on what actually occurred. WF is now stating it does not have the XXXX inputs it utilized in determining that I was denied yet WF is refusing to provide XXXX inputs claiming it doesn't have them which is false. WF has the numbers because it stated in a recent email what the proposed modified payment would be. Wells Fargo is lying.

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 2020-12-22 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: National Credit Systems,Inc.
State: CA

Complaint narrative:
My private information was sold to National Credit Systems by the XXXX XXXX and it should not have been. I don't have any history with National Credit Systems and did not agree to have my information sent to them. Furthermore a balance should not be owed with XXXX XXXX XXXX or National Credit Systems as I went to court on the filing. I provided the judge proof of an XXXX environment after the apts failed to provide my son and I with a upgraded unit leaving us to live in a bldg that XXXX XXXX then subsequently developed XXXX, XXXX, and XXXX XXXX. The apts failed to do anything about this. I had to even result in contacting the XXXX XXXX  XXXX. This information was provided to the court which the XXXX of the XXXX XXXX  failed to appear which led to the XXXX to dismissed the case ( including the charges ) against me. National Credit Systems have been reporting inaccurate information to the Credit Bureaus and they should have record of my complaints with The XXXX XXXX. The balance/acct is invalid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 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: NC

Complaint narrative:
After reviewing my credit report, I've noticed accounts and inquiries that weren't authorized by me. I've received multiple calls in regards to these debts that were never initiated or even known by me.

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 2020-12-22 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: NC

Complaint narrative:
After reviewing my credit report, I've noticed accounts and inquiries that weren't authorized by me. I've received multiple calls in regards to these debts that were never initiated or even known by me.

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 2020-12-22 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am doing this on my own behalf and really need someone to help me with this.

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 2020-12-22 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. I am doing this on my own behalf and really need someone to help me with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I used to have a XXXX card ( XXXX XXXX  XXXX and XXXX went bankrupt.When XXXX went out of buisness my XXXX card was transferred to " XXXX XXXX XXXX '' which I never applied for, asked for etc., ..Also, I never had a option to opt in or out.After filing complaints to XXXX XXXX  XXXX XXXX XXXX is saying that they made a buisness decission and there was no opt out option.According to CFPB, I have the right to opt out of newly changed terms which i never had that option.XXXX XXXX  XXXX XXXX XXXX XXXX  ) closed my account with out any knowledge or paper work sent.Because of XXXX closing my account, it has caused a negative on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 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: MI

Complaint narrative:
I used to have a XXXX card ( XXXX XXXX  XXXX and XXXX went bankrupt.When XXXX went out of buisness my XXXX card was transferred to " XXXX XXXX XXXX  '' which I never applied for, asked for etc., ..Also, I never had a option to opt in or out.After filing complaints to XXXX XXXX   XXXX XXXX XXXX  is saying that they made a buisness decission and there was no opt out option.According to CFPB, I have the right to opt out of newly changed terms which i never had that optionXXXX XXXX XXXX XXXX XXXX XXXX  ) closed my account with out any knowledge or paper work sent.Because of XXXX closing my account, it has caused a negative 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 2020-12-22 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: ALLY FINANCIAL INC.
State: CO

Complaint narrative:
I lost my job a month before a payment was due, I called them and set up a payment plan with them to where I had two months for coronavirus leave because I lost my job over the coronavirus that I didnt have to make my payments till XXXX next thing I know they hit me for two months of late payments I called him up asked him what was going on they didnt make any notes in their computers about the arranged plan that I had with them they said as well it didnt go through so we could try again and do it again so we did that we went ahead and renewed the plan they asked for a payment of XXXX which I gave them and now theyre still expecting a payment for this month which Im going to do but as part of the plan that we had talked about last month and this month I wasnt supposed to make any car payments so something in their system is not getting updated when they do these things with me therefore I cant keep up on top of it not hitting my credit reports and its kind of driving me insane because every month Ive been talking to these people and nothing seems to be written down in notes nobody seems to see what someone else is done or talk to me about and its its very frustrating to work with a company that taking notes in their computer system and making the statements right as well one of the gentleman I talk to said that when I asked him about my credit being impacted by them he said " oh we have nothing to do with impacting late payments on your credit report '', we cant change that we cant do anything to help you and my biggest thing is what do you mean you cant help me fix the late payments or get off my credit report and what do you mean you guys dont impact my credit how does that make any sense I dont know. The late payments should've never been there and they aren't helping me. Please help

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 2020-12-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: TX

Complaint narrative:
It has come to my attention that Enhanced Recovery Company recovered a payment for a debt that I never owed.Enhanced Recovery Company reported a collection account to my consumer credit file on XXXXand XXXX. I have learned that I do not owe this alleged debt. If Enhanced Recovery Company had the right to collect this debt in accordance with the FDCPA I am asking for validation of this account. This includes ALL contractual documents stating and proving that I am responsible for this account that I agreed to and authorized the alleged debt that Enhanced Recovery Company collected. Enhanced Recovery had no legal right to attempt to collect a debt as I never authroizedan account with XXXX. Enhanced Recovery never validated this debt nor sent me a notice of collection. I have learned that Enhanced Recovery is in violation of the FCRA and the FCDPA. At this point I ask that this non - validated derogatory account be removedfrom the credit bureaus immediately as this should not have ever been reported to my consumer credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 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: CITIBANK, N.A.
State: GA

Complaint narrative:
These credit inquiries are unauthorized and need to be removed from my credit report immediately.

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 2020-12-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Card Issuer : Citibank I had taken advantage of two low-interest offers ( " XXXX  XXXX '' and " XXXX XXXX '' ) on this card, both of which expired on XXXX XX/XX/XXXX, and moved to my regular " purchases '' balance, which had a higher interest rate, on XXXX XXXX ( amounts of {$2800.00} and {$39.00}, respectively ). On XXXX XX/XX/XXXX, I made a payment of {$3000.00}, which was more than sufficient to cover the balances plus any interest that should have accrued on them in 3 days ( 24.99 % * 3/365 * [ {$2800.00} + {$39.00} ] = {$5.00} in interest ), and which should have been credited toward the highest interest balance portion of my account, the " purchases '' balance. I also had another low-interest balances on this account which had not yet expired ( " XXXX  XXXX '' of 0.99 % until XXXX ). 

Although XXXX  XXXX was not the highest-interest portion of the account on XXXX XXXX, the payment was improperly credited toward that portion of the balance. I noticed on XXXX XXXX that interest was accruing on this card, and found that this had occurred. 

I contacted customer support ( XXXX, XXXX XXXX  PST ) to complain, and spoke to XXXX XXXX He informed me that the amount had not yet moved into my " purchases '' balance, and that that was why the payment was credited to XXXX XXXX. I told him I understood that that was what had happened, but that it was not correct and requested that he fix it. He said that there was not an option to do that. I immediately requested a supervisor, and he got XXXX on the line. 

XXXX explained the same thing, and then offered to put my Purchases balance on 0 % for 6 months. I told her that was inadequate, and that the interest that has accrued needed to be refunded as well. Eventually, she agreed to do that and stated that a credit of $ XXXX would appear on my statement within a few days, and that my purchases balance would be at 0 % until XXXX XX/XX/XXXX. 

This was acceptable to me, and while it resolves this immediate issue, does not resolve the fact that Citibank is systematically doing this, and thereby charging unknown numbers of customers hundreds or thousands of dollars in improper interest charges. 

This was, in fact, at least the second time this issue has occurred to me. Previously, I had a similar situation in which I made the payment on the same day that the low rate expired, which is why I intentionally scheduled this payment 4 days later. ( Citi did eventually resolve that particular issue to my satisfaction, but their system is still clearly set up to charge improper interest. )

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 2020-12-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
This is like playing the child 's game Hokey Pokey. Medical Data Systems puts the debt and then they take it off. Since XXXX I've been disputing this account and now it pops back up on a recent credit monitoring report. I want this removed and all references to this account with any credit or medical bureau. Enough is enough!

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 2020-12-22 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: LEXISNEXIS
State: FL

Complaint narrative:
I initially filed complaint ID XXXX with CFPB in XXXX of XXXX hoping for a resolution of the original problem of a reported but INCORRECT auto insurance policy lapse. I have tried several times before to resolve the complaint with LexisNexis to no avail. This last time, in the complaint listed above, I used CFPB and got word that LexisNexis resolved the issue. Turns out they only said they resolved the issue, it still remains. Their correspondence to me tells of a resolution and yet when logging in to their website, looking at the pertinent info on page 31, under the heading Section 7, Record 1, Automobile Insurance Policies, under the heading " Policy Holder Details '' and under the sub-heading " Number of Policy Lapses '' it now correctly states 0 ( zero ) instead of the number 1 that used to be displayed. Problem now is that under policy lapse dates it STILL gives a Lapse Start Date of XX/XX/XXXX and a Lapse End Date of XX/XX/XXXX. 
THERE WAS NEVER A POLICY LAPSE! The letter I submitted from XXXX XXXX states this and now LexisNexis 's own report states 0 lapses and yet the report STILL gives these two start and end dates.

Company response to consumer: Closed with explanation