vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is my second complaint on this website against XXXX XXXX XXXX. The first complaint { XXXX } was issued on XX/XX/XXXX. XXXX   replied on XX/XX/XXXX { case # XXXX } { reference # XXXX } stating they were sorry for their mistake, they were going to have Modification documents sent to me within one week, and they were going to immediately contact all credit reporting agencies to have my false late payments removed from my credit report.

Today is XX/XX/XXXX, XXXX has done nothing. XXXX  is still harrassing me for back payments, they haven't sent me loan modification documents, and my credit is still showing that I'm 90 days late on my mortgage. I've informed XXXX  that I am attempting to purchase a new home, and I need the lateness 's removed. XXXX has assigned me a point of contact by the name of XXXX XXXX XXXX. Mr. XXXX  rarely responds to emails, phone calls, and always indicates the issue of the modification and false credit reporting are out of his hands. He refers me to his supervisor XXXX XXXX. XXXX replies to phone calls and emails even less than Mr. XXXX. The times XXXX  has replied to me, she's made promises to handle escalate the matter to have my modification documents sent to me and fix the credit report, but still nothing is ever done.

If this complaint does not get the issue resolved, I will have to resort to legal action. I will sue for damages, harassment, ruining my credit, and the time it's taken to get this cleared up.

Attached please find XXXX   's response clearly stating this matter would be cleared up within one week, and this was over 3 months ago. Also, I've attached proof of all payments, modification documents, and bank statements showing payments coming out of my checking account.

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 2019-01-22 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: FL

Complaint narrative:
This is my second complaint on this website against XXXX XXXX XXXX. The first complaint { XXXX } was issued on XX/XX/XXXX. XXXX   replied on XX/XX/XXXX { case # XXXX } { reference # XXXX } stating they were sorry for their mistake, they were going to have Modification documents sent to me within one week, and they were going to immediately contact all credit reporting agencies to have my false late payments removed from my credit report.

Today is XX/XX/XXXX, XXXX  has done nothing. XXXX  is still harrassing me for back payments, they haven't sent me loan modification documents, and my credit is still showing that I'm 90 days late on my mortgage. I've informed XXXX that I am attempting to purchase a new home, and I need the lateness 's removed. XXXX  has assigned me a point of contact by the name of XXXX XXXX XXXX. Mr. XXXX rarely responds to emails, phone calls, and always indicates the issue of the modification and false credit reporting are out of his hands. He refers me to his supervisor XXXX XXXX XXXX replies to phone calls and emails even less than Mr. XXXX. The times XXXX has replied to me, she's made promises to handle escalate the matter to have my modification documents sent to me and fix the credit report, but still nothing is ever done.

If this complaint does not get the issue resolved, I will have to resort to legal action. I will sue for damages, harassment, ruining my credit, and the time it's taken to get this cleared up.

Attached please find XXXX   's response clearly stating this matter would be cleared up within one week, and this was over 3 months ago. Also, I've attached proof of all payments, modification documents, and bank statements showing payments coming out of my checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-22 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: FL

Complaint narrative:
This is my second complaint on this website against XXXX XXXX XXXX. The first complaint { XXXX } was issued on XX/XX/XXXX. XXXX   replied on XX/XX/XXXX { case # XXXX } { reference # XXXX } stating they were sorry for their mistake, they were going to have Modification documents sent to me within one week, and they were going to immediately contact all credit reporting agencies to have my false late payments removed from my credit report.

Today is XX/XX/XXXX, XXXX  has done nothing. XXXX is still harrassing me for back payments, they haven't sent me loan modification documents, and my credit is still showing that I'm 90 days late on my mortgage. I've informed XXXX  that I am attempting to purchase a new home, and I need the lateness 's removed. XXXX has assigned me a point of contact by the name of XXXX XXXX   XXXX. Mr. XXXX rarely responds to emails, phone calls, and always indicates the issue of the modification and false credit reporting are out of his hands. He refers me to his supervisor XXXX XXXX. XXXX  replies to phone calls and emails even less than Mr. XXXX. The times XXXX has replied to me, she's made promises to handle escalate the matter to have my modification documents sent to me and fix the credit report, but still nothing is ever done.

If this complaint does not get the issue resolved, I will have to resort to legal action. I will sue for damages, harassment, ruining my credit, and the time it's taken to get this cleared up.

Attached please find XXXX   XXXX response clearly stating this matter would be cleared up within one week, and this was over 3 months ago. Also, I've attached proof of all payments, modification documents, and bank statements showing payments coming out of my checking account.

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 2019-01-22 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 — Was not notified of investigation status or results
Company: Access Receivables of NC Inc.
State: TN

Complaint narrative:
I would like to address this issue of this inaccurate account on my credit report. I followed your advice about contacting the collector.I sent them a letter by certified mail and it was received on XX/XX/2018 and asked them to verify the debt and investigate. As oftodaythey still have not responded to me.The company has not responded in any way. None of the credit bureaus have remedied this issue. I thought they had 30 days to investigate and fix the inaccurate account listed. It has been over 45 days and this debt has not been verified nor has it been removed from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY

Complaint narrative:
I received a notification that my home owners would be in default as it was not paid in XX/XX/XXXX. I went to the bank servicing my mortgage which had an escrow to pay my insurance on XX/XX/XXXX and was told they had hired a new 3rd party to handle these transactions and was having troubles. They contacted my insurance agent on XX/XX/XXXX that it was the bank error and that payment would be expedited. 

As of XX/XX/XXXX, payment still not received so I have paid in full against my credit card to avoid cancellation which would be on XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I was checking my credit report and I noticed a new collection was added to my report without my knowledge. The collection agency still has not notified me of this debt and according to them it has been in my report since XX/XX/2018 without me knowing or any notifications. This practice violates my FCRA rights and FDCRA

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 2019-01-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On XX/XX/XXXX, I logged into my Bank of America account even though I had paid the entire bill the previous month, and was surprised to see a balance due of {$28.00}. The sum, {$27.00} late fee plus {$1.00} interest charge, was due to paying 3 days late. What I must have done is scheduled the payment for when the promotional period expired, XX/XX/XXXX, instead of when the payment was due, XX/XX/XXXX. 

Every person with whom I spoke informed me that their system would not allow the late fee to be waived, an assertion I found surprising but seemingly legitimate after talking to numerous people. One supervisor claimed the fee was required by law ; he gave the impression that it also could not be removed. Things got really absurd when he acted as though he caught me in a lie when I told him that I had a late fee removed by another credit card company years ago. No, I am not in the habit of paying late, as he should have been able to see from my records. 

Anyhow, Bank of America 's action has made it abundantly clear that I am not the type of customer they want or need, so I am glad to be paying any future fees to other institutions.

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 monetary relief
Consumer complaint received 2019-01-22 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: RoundPoint Mortgage Servicing LLC
State: TX

Complaint narrative:
This was sent to resolve the issue : Information : Sent on XX/XX/XXXX at XXXX I need an email stating the reason for 90 past due was because of a forbearance -modification period. This was supposed to be corrected by Roundpoint Mortgage just like my other account after the trial period was completed. I full filled all my obligations on time based on the guidelines of the forbearance -modification. This is a reporting error, as a result it has affected my credit rating negatively. There have several recorded phone conversations stating that the forbearance -modification wasnt suppose to impact by credit negatively. Thanks What do I need : An email giving an explanation for the 90 days past due within 24 hours.

Action : If I dont receive the email with 24 hours stating the inaccurate reporting, I will file a complaint with the Consumer Financial Protection Bureau at the end of business on Friday XX/XX/XXXX XXXX. Simply waiting for the matter to be vetted and resolve later is not an option. Its been months since the forbearance -modification was completed. Thanks. 


Sent XX/XX/XXXX XXXX All, I received a phone call on XX/XX/XXXX satiating my account was never late but there were no documentation ( email ) to support that. Im in the process of filing a complaint with Consumer Financial Protection Bureau as we speak.

Action : I need an email within 2-4 hours from Roundpoint delivering on their promise that the issue was resolved via email. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-22 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: Real Time Group, Inc.
State: FL

Complaint narrative:
There is an account reporting on my XXXX and XXXX  that is past the statue of limitations yet this Realtime Resolution continues to report it as a collection account when it was charged off with XXXX over 7 years ago. They continuously report an aged account and that is against the FCRA! This is absolutely insane and they report the account as being past due of {$45000.00} and balance of {$130000.00} if the account is a charged off account then how could the balance be any different than the past due?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-22 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: GREAT LAKES
State: NV

Complaint narrative:
The three request letters that has been sent to the following organizations has resulted in little success. All letters have been mailed with copies of my ID and Social Security Card for verification. In my letters I've demanded Great Lakes to send me documents showing that the accounts on my credit report belongs to me and to verify the balance. I've also reached out to Great Lakes via email to fix the error. Great Lakes is violating Federal Law in regard to Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) of FCRA. I have sent these letters in disputes to XXXX XXXX, XXXX, and XXXX  in the beginning of XXXX with the last letters being sent on XX/XX/XXXX. XXXX  has removed the account from my credit report while XXXX XXXX and XXXX  has sent me dispute result saying the account had been verified without correcting the error. However, I'm confused as for as how was Great Lakes about to verify with XXXX XXXX and XXXX  but wasn't able to verify the account with XXXX. Due to the information that I have and the fustating process I plan to seek litigation for relieve and monetary damages.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-22 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
After sending information to verify myself with my disputes ( XX/XX/2018 ), Equifax, XXXX, & XXXX, in concert, have failed to investigate or respond to issues on my credit report. They have violated the FCRA 30-day-to-respond regulation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-22 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I would like to address this issue of this inaccurate account on my credit report. I followed your advice about contacting the collector.I sent them a letter by certified mail and it was received on XX/XX/2018 and asked them to verify the debt and investigate. As oftodaythey still have not responded to me.The company has not responded in any way. None of the credit bureaus have remedied this issue. I thought they had 30 days to investigate and fix the inaccurate account listed. It has been over 45 days and this debt has not been verified nor has it been removed from my credit profile.

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 2019-01-22 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I would like to address this issue of this inaccurate account on my credit report. I followed your advice about contacting the collector.I sent them a letter by certified mail and it was received on XX/XX/2018 and asked them to verify the debt and investigate. As oftodaythey still have not responded to me.The company has not responded in any way. None of the credit bureaus have remedied this issue. I thought they had 30 days to investigate and fix the inaccurate account listed. It has been over 45 days and this debt has not been verified nor has it been removed from my credit profile.

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 2019-01-22 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: TN

Complaint narrative:
Account Name : XXXX XXXX ( XXXX ) I would like to address this issue of this inaccurate account on my credit report. I followed your advice about contacting the collector.I sent them a letter by certified mail and it was received on XX/XX/2018 and asked them to verify the debt and investigate. As oftodaythey still have not responded to me with sufficient information.The company responded by sending me a copy of an old bill from the original company I had services with that had no other information on it stating they were authorized to collect on it. The old bills don't match the amounts that are being reported on my credit report. They also didn't provide proof that they are authorized to collect on a debt. This debt was not properly verified and I don't believe that it is mine. None of the credit bureaus have remedied this issue. I thought they had 30 days to investigate and fix the inaccurate account listed. It has been over 45 days and this debt has not been verified nor has it been removed from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-22 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: TX

Complaint narrative:
to CFPB please investigate this complaint that I disputed XXXX Transunion response they state there reason for lowering score, But when I pay down on a account my score should go up not down in there own documentation they state if you pay down account your score will go up enclosed evidence, But they lower my score this is deceptive tactic. With this type of practice they hold the consumer hostage on credit and interest on accounts

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 2019-01-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MA

Complaint narrative:
carrington latest specialist XXXX XXXX stated she refuses to deal with us .we do not have a specialist.oiut concerns have not been address and now carrington refuses to enter nto loss mitigation negotiations as payback for borrower making complaints for borrower not getting information ie complaete breakdown of arrearages. this is not fair, why should borrower be precluded from assistance

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: General Motors Financial Company, Inc.
State: IL

Complaint narrative:
This account was showing open for the longest on my credit report. This account now shows closed, but with a XXXX balance. I have no contract with this company verbally or written. I do not do business with this company and it should not even be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-22 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: FL

Complaint narrative:
There is an account reporting on my Equifax and XXXX that is past the statue of limitations yet this XXXX XXXX continues to report it as a collection account when it was charged off with XXXX over 7 years ago. They continuously report an aged account and that is against the FCRA! This is absolutely insane and they report the account as being past due of {$45000.00} and balance of {$130000.00} if the account is a charged off account then how could the balance be any different than the past due?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-22 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There is an account reporting on my XXXX  and Experian that is past the statue of limitations yet this XXXX XXXX continues to report it as a collection account when it was charged off with XXXX over 7 years ago. They continuously report an aged account and that is against the FCRA! This is absolutely insane and they report the account as being past due of {$45000.00} and balance of {$130000.00} if the account is a charged off account then how could the balance be any different than the past due?

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 2019-01-22 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
After sending information to verify myself with my disputes ( XX/XX/2018 ), XXXX, XXXX, & Transunion, in concert, have failed to investigate or respond to issues on my credit report. They have violated the FCRA 30-day-to-respond regulation.

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