vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-21 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: MO

Complaint narrative:
Topic : Transunion removed ( incorrectly! ) the most positive item on my credit report. 

On XX/XX/XXXX, I sent Transunion a letter disputing three items on my credit report. They did not respond, so I sent the letter again on XX/XX/XXXX. The letter included a copy of the credit report with the disputes cross referenced to that report. 

They corrected one item, ignored one item, and decided on item was correct ( so this will be escalated further. ) But then - they took it upon themselves to decide that I had disputed two more items, which most definitely were not in the letters. One of these, a current XXXX XXXX credit card which is always paid on time, was the most positive influence on my credit report. They DELETED that credit card and subsequently my credit score as reported by them went down 12 points.

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 2020-06-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: AL

Complaint narrative:
CONVERGENT OUTSOURCING INC . I RECEIVED LETTER FROM THEM IN XX/XX/2019. THE BILL WAS {$700.00}. I SETTLE WITH THE COMPANY FOR {$500.00} DOLLARS.THIS WAS PAID WITH MY DEBIT Card XX/XX/2019 THEY SAID BILL WAS NOT PAID. I SENT THEM A COPY OF MY BANK STATEMENT WHERE IT WAS TAKEN OUT OF MY ACC [ 'T.THEN THEY WANTED TO HAVE A CONFIRMATION NUMBER. I STATED THAT I NEVER RECEIVED ONE. THIS IS STILL ON MY SPOUSE AND MY CREDIT, AFTER ALL THESE MANY MONTHS UNPAIDED

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 2020-06-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I applied for an American Express Delta Sky Miles Card while I was on a Delta flight in XX/XX/2019, and started using it in XX/XX/2019. 

Regrettably, I had ONE mistake when I forgot a payment, but, I paid it off in full before the 60 Day Mark ( XX/XX/XXXX/XX/XX/2019. ) I have since set up autopay so I have never missed and will never miss a credit card payment instead.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21 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: VA

Complaint narrative:
THIS COMPLAINT IS ON EQUIFAX. I HAVE CONTACTED THEM SEVERAL TIMES TO FIX INACCURACIES ON MY CREDIT REPORT. INSTEAD OF THEM FIXING THE INACCURACIES THEY KEEP UPDATING THE COMMENTS " CONSUMER DISPUTES, REINVESTIGATION IS IN PROCESS '' I HAVE NOT REQUESTED ANY DISPUTES. EACH TIME THEY UPDATE REMARKS ON MY ACCOUNT. MY SCORE DROPS. I PAY XXXX A MONTH TO THEM TO BE ABLE TO SEE WHATS GOING ON WITH MY CREDIT REPORT. I HAVE SENT THEM COPIES OF MY DRIVERS LICENSE AND SOCIAL SECURITY CARD ON XX/XX/XXXX XX/XX/XXXX. NOW THEY ARE SAYING I CAN NOT HAVE ACCESS TO MY INFORMATION BECAUSE MY IDENTITY CANT BE VERIFIED. I LAST SPOKE WITH SOMEONE XX/XX/XXXX, PRIOR TO TODAY I SPOKE WITH SOMEONE XX/XX/XXXX I HAVE SEVERAL CONFIRMATION NUMBERS BUT THEY STILL WILL NOT DELETE OR FIX THE INACCURACIES ON MY CREDIT REPORT. KEEP IN MIND MY NAME AND PERSONAL INFORMATION WAS LISTED IN THE DATA BREACH. ERRONEOUS COMMENTS AND ACCOUNTS THAT NEED TO BE DELETED ARE XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX. HAVE SPOKEN WITH THEM SO MANY TIMES THAT I RECEIVE SURVEY REQUESTS BUT THEY CLAIM THEY CANT VERIFY MY IDENTITY, HOWEVER THEY HAVE NO ISSUES DEDUCTING XXXX OUT OF MY ACCOUNT FOR THE EQUIFAX COMPLETE PLAN

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Accounts Management, Inc
State: MN

Complaint narrative:
First off I was never aware of this debt until it was too late and in collections which I tried to dispute with them, they were extremely disrespectful to me when I was just trying to explain what happened, then I said would be willing to pay money down then monthly installments but that was contingent on them giving me a letter that they wont report it to the credit bureaus if I pay it off, this debt could destroy my credit and it should never of been placed in collections. They refused to provide a letter. Ive also had 3 phone calls at my workplace

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21 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: NJ

Complaint narrative:
After several attempts TransUnion credit report agency neglected to update wrong information in my files related to chapter XXXX Bankruptcy Because of that bad information when I applied for credit it has been denied because it said in my report that a public record appears in my file I sent TransUnion a letter from the court showing that the Bankruptcy case was dismissed but they insisted that my case was granted In the other side, XXXX  and XXXX had updated that information already I explain to them that I was ineligible to receive a discharge but them do not want to do nothing I would like you to force them to update my files with evidence I have at hand

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 2020-06-21 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: MI

Complaint narrative:
XXXX, Transunion and XXXX  not responding properly to false and incorrect information on my credit report that is related to XXXX XXXX loan. My address has been the same for 7 years and the address I use on my IRS tax forms so that neither XXXX   TransUnion or XXXX  can use the excuse that my address doesn't match when it does in fact match and they have mailed me copies all three of them recently of my credit report. There is incorrect information that is inconsistent across all three bureaus and I am disputing and taking to court XXXX for their illegal practices and contract violations. The credit bureaus need to ensure that when a company submits data they are doing so accurately. With XXXX auto loans all they would have to do is look at my original loan contract and they would see that XXXX is falsifying documents and lying about the information. For example my loan was only a 72 month loan and documented on a contract. However, all 3 credit  bureaus report the loan length at 80 months. Also, the account has not been charged off but paid in full. Dates, term amounts, amount owed and status are all inconsistent across all bureaus. The credit bureaus need to validate their source of information. I want all documents associated with XXXX XXXX XXXX that each bureau has recieved to validate the debt, sent to me within 30 days. 

If the credit bureaus can not validate the information they have to report the data on my report my next step will be legal action.

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 2020-06-21 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: AR

Complaint narrative:
Despite numerous dispute requests, letters, and identity theft affidavits, I've been unable to resolve this particular matter or issue with XXXX, XXXX, and Equifax in regards to inaccurate and fraudulent information appearing on my credit file. There is an account listed as XXXX on my credit file which displays an address of XXXX XXXX XXXX which is clearly the wrong address upon recent research. Another account by the name of XXXX XXXX does not show a date opened nor has XXXX XXXX  ever provided any HIPPA Release Documentation upon request. A XXXX XXXX XXXX   and XXXX XXXX account which both were opened as a result of identity fraud/theft continues to appear on my credit file despite after the credit bureaus were notified and also denied to block the information upon receiving notification within 4 business days. I believe this a deliberate denial and my consumer rights continue to be violated under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21 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: AR

Complaint narrative:
Despite numerous dispute requests, letters, and identity theft affidavits, I've been unable to resolve this particular matter or issue with Experian, XXXX, and XXXX  in regards to inaccurate and fraudulent information appearing on my credit file. There is an account listed as XXXX on my credit file which displays an address of XXXX XXXX XXXX which is clearly the wrong address upon recent research. Another account by the name of XXXX XXXX does not show a date opened nor has XXXX XXXX ever provided any XXXX Release Documentation upon request. A XXXX XXXX XXXX   and XXXX XXXX account which both were opened as a result of identity fraud/theft continues to appear on my credit file despite after the credit bureaus were notified and also denied to block the information upon receiving notification within 4 business days. I believe this a deliberate denial and my consumer rights continue to be violated under the Fair Credit Reporting 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 non-monetary relief
Consumer complaint received 2020-06-21 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: Federal Financial Services Inc
State: OH

Complaint narrative:
I had a collection appear on my XXXX  credit report from this company. I have no knowledge of this collection. I have sent multiple letters asking to verify the debt, I have called and received no help in verifying this debt. Multiple attempts have been made over the last 4 months with no success. This account is not mine and needs removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21 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: AR

Complaint narrative:
Despite numerous dispute requests, letters, and identity theft affidavits, I've been unable to resolve this particular matter or issue with XXXX, Transunion, and XXXX  in regards to inaccurate and fraudulent information appearing on my credit file. There is an account listed as XXXX on my credit file which displays an address of XXXX XXXX XXXX which is clearly the wrong address upon recent research. Another account by the name of XXXX XXXX does not show a date opened nor has Mid-South Adjustment ever provided any HIPPA Release Documentation upon request. A XXXX XXXX XXXX   and XXXX XXXX account which both were opened as a result of identity fraud/theft continues to appear on my credit file despite after the credit bureaus were notified and also denied to block the information upon receiving notification within 4 business days. I believe this a deliberate denial and my consumer rights continue to be violated under the Fair Credit Reporting 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 2020-06-21 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: MI

Complaint narrative:
Equifax, XXXX  and XXXX  not responding properly to false and incorrect information on my credit report that is related to XXXX XXXX loan. My address has been the same for 7 years and the address I use on my IRS tax forms so that neither Equifax XXXX  or XXXX  can use the excuse that my address doesn't match when it does in fact match and they have mailed me copies all three of them recently of my credit report. There is incorrect information that is inconsistent across all three bureaus and I am disputing and taking to court XXXX for their illegal practices and contract violations. The credit bureaus need to ensure that when a company submits data they are doing so accurately. With XXXX auto loans all they would have to do is look at my original loan contract and they would see that XXXX is falsifying documents and lying about the information. For example my loan was only a 72 month loan and documented on a contract. However, all 3 credit bureaus report the loan length at 80 months. Also, the account has not been charged off but paid in full. Dates, term amounts, amount owed and status are all inconsistent across all bureaus. The credit bureaus need to validate their source of information. I want all documents associated with XXXX XXXX XXXX that each bureau has recieved to validate the debt, sent to me within 30 days. 

If the credit bureaus can not validate the information they have to report the data on my report my next step will be legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX, XXXX  and Experian not responding properly to false and incorrect information on my credit report that is related to XXXX XXXX loan. My address has been the same for 7 years and the address I use on my IRS tax forms so that neither XXXX   XXXX  or Experian can use the excuse that my address doesn't match when it does in fact match and they have mailed me copies all three of them recently of my credit report. There is incorrect information that is inconsistent across all three bureaus and I am disputing and taking to court XXXX for their illegal practices and contract violations. The credit bureaus need to ensure that when a company submits data they are doing so accurately. With XXXX auto loans all they would have to do is look at my original loan contract and they would see that XXXX is falsifying documents and lying about the information. For example my loan was only a 72 month loan and documented on a contract. However, all 3 credit bureaus report the loan length at 80 months. Also, the account has not been charged off but paid in full. Dates, term amounts, amount owed and status are all inconsistent across all bureaus. The credit bureaus need to validate their source of information. I want all documents associated with XXXX XXXX XXXX that each bureau has recieved to validate the debt, sent to me within 30 days. 

If the credit bureaus can not validate the information they have to report the data on my report my next step will be legal action.

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 2020-06-21 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: TX

Complaint narrative:
Good Afternoon, On several Ocassions I have notified Equifax to remove unauthorized credit inquires from my credit report and they are the worse credit bureau ever. They always hang up the phone when you call them, they refuse to help you, they never ever respond to any mail that you send them. I understand that we are all going through a crisis right now and more than ever these credit reporting agencies need to be trying to help people instead of hurting them even more. I pray that you all have them to remove these erroneous inquires from my credit report today. Thank You, XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
account won't link anymore. Did before but now wont

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21 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: AES/PHEAA
State: OH

Complaint narrative:
I have 18 missed payments from this company. 6 loans showing 3 missed payments each. I have never missed a payment and this is  reported incorrectly. I have filed multiple disputes with this company as well as with the credit bureaus with no response. During this time the company states I missed payments, I was currently enrolled into school which would have kept my loans in deferment. I have contacted the company for validation and help in resolving this matter with no luck. They are unable to provide me with an answer or validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21 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: HYUNDAI CAPITAL AMERICA
State: NJ

Complaint narrative:
I don't have Hyundai motor finance or XXXX XXXX  any longer. They are still lowering my credit score. The account I had with Hyundai motor finance was canceled when I upgraded my at the time vehicle ( XXXX XXXX XXXX ) which at that time I used XXXX XXXX  for the XXXX XXXX. The account with XXXX XXXX  has been paid in full in XXXX if XXXX. I no longer have any affiliation with either company and I want my credit score fixed.

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 2020-06-21 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I wrote a letter to Equifax regarding inaccurate information reporting on my credit report on XX/XX/2020. I asked for the information to be verified and updated. I have not received a response from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
I received a call from Freedom Mortgage in early XXXX that my mortgage was 30 days late. I instantly paid it. I told them I was affected directly by Covid 19 and was self quarantining and stuck in Massachusetts during that time and had thought I set up automatic payments back in XXXX. They were very unprofessional and the guy I spoke to XXXX was working from home and spoke to his wife the entire time. He assured someone higher up would call me back about deleting the 30 day late payment due to the pandemic and the fact I never missed a payment before and was frantic that month due to my sister having covid 19 and me being a single mom of XXXX kids and being stuck in another state that had a shelter in place. I have proof of being in the other state by plane and couldnt return home. I emailed the CEO and he forwarded my request to a vice president and she said she can't do anything to help me. I find this company is very unreasonable and now I can not buy the 2nd home I was trying to purchase. 

If I had received a call before the 30 days which I have proof of the voicemails from the entire month I would never be in this situation.

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 2020-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I opened a Bank of America Advantage Plus checking account on XX/XX/XXXX, with a {$100.00} deposit. I had two direct deposits, greater than {$250.00} each : XX/XX/XXXX DD {$580.00}, and XX/XX/XXXX DD {$590.00}. These were the criteria for the {$100.00} bonus. 

No bonus has been received. I called to complain and was told I was a customer within the last six months. My previous account ending in XXXX was closed on XX/XX/XXXX, 238 days before the new account, checking ending in XXXX, was opened. 

So I made the two direct deposits within 90 days, made the opening deposit, and was not a customer within six months. They owe me {$100.00}. Please assist me in collecting this bonus. 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