vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-09 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: NC

Complaint narrative:
THESE ACCOUNTS LISTED DON'T BELONG TO ME AND NEED TO BE REMOVED FROM MY REPORTS.

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 2020-11-09 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: NC

Complaint narrative:
THESE ACCOUNTS LISTED DON'T BELONG TO ME AND NEED TO BE REMOVED FROM MY REPORTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 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: NV

Complaint narrative:
Thank you for your help. Even if nothing happens I already feel better that someone will try to help. I have an issue with Transunion they have me fixed at XXXX or D rating. XXXX  has me at XXXX A rating and XXXX  has me at XXXX B Rating. 
I consider myself a very low risk for lenders. XXXX  has it absolutely correct while Transunion is almost criminal in keeping me so low. I signed up with them to see if that would change my score. Instead there has been no movement despite the fact that both XXXX  and XXXX  has gone up. The only consistent thing I have gotten from Transunion is marketing of products for people with low credit scores. I tried to call them and go over their metric system to see if we can detect where there was a flaw. I also advance up the ladder of managers and they were a broken record. There can ot be a glitch in our system and the computer is not wrong. 

I have no debt aside for mortgage. XXXX revolving available for purchase in 3 credit cards. My house is worth XXXX times the mortgage, and I have low mortgage payments. Cars are paid off. I have XXXX figures savings in the bank. I am not rich but I am not 'D ' paper. Does that sound like D paper? 

If they are doing this to me, I can only imagine how badly they are hurting the XXXX  Americans. I hope that someone brings a class action against them. They are so out of control and with no checks and balances they are dangerous to the American Economy

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 2020-11-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: HEARTLAND PAYMENT SYSTEMS INC
State: CA

Complaint narrative:
A month ago I was made aware that I had XXXX outstanding late payments from a student loan. This loan had outdated information and I did not receive any of the late notices. I had to recover my password for the email account they had on file in order to reopen my online account with them. This loan also did not appear in any of my credit reports I routinely access to for some reason. I paid off the loan as soon as I was made aware of it. All the other student loans have been able to contact me and I have received timely information about them. I even opened a repayment plan for all my student loans and this particular loan was missing from that list. This company, Heartland ECSI, did not. After I paid the loan in full, including all late fees, I requested the company to remove the late payments from my credit report since I did not have access to any of the notices about the payments. The company did not accept my request, in fact, they did not even consider it and they denied my right to speak to another person that could have the authority to help me with this. The customer service representative refused to transfer me to speak with somebody else and also refused to answer my questions clearly. It is my understanding that because I paid the loan in full already, they're refusing any other help with this account as well as my right to dispute the unfair late payment reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 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: States Recovery Systems, Inc.
State: IL

Complaint narrative:
Dear XXXX, In the results of your Third investigation, you stated in writing that you verified that this item ( XXXX XXXX  ) ( STATES RECOVERY SYSTEM INC ) and ( XXXX  XXXX  XXXX  XXXX  ) is being reported correctly? with XXXX INCONSISTENCIES reported on this account how could you verify it? Who verified this account? This is not a request for VERIFICATION or proof of mailing address but a request for VALIDATION made pursuant to the above-named Title and Section. Now, I respectfully request that XXXX  provide me with competent evidence that I have any legal obligation to pay this debt OR DELETE THIS FRIVOLOUS ACCOUNT IMMEDIATELY 1. ) Please provide a valid basis for the debt, such as the original contract/agreement, the promissory note between Consumer and original creditor, bearing Consumer wet-ink signature ; 2. ) Please provide the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. Such as XXXX XXXX  balance sheet ( XXXX # 's XXXX, XXXX, XXXX XXXX, XXXX XXXX report, XXXX registration statement, XXXX prospectus, XXXX, and XXXX call schedules ;

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 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: NCS, Inc
State: IL

Complaint narrative:
Dear XXXX, In the results of your Third investigation, you stated in writing that you verified that this item ( XXXX  XXXX ) ( XXXX XXXX XXXX XXXX XXXX and XXXX XXXX  XXXX  XXXX XXXX  ) is being reported correctly? with SEVERAL INCONSISTENCIES reported on this account how could you verify it? Who verified this account? This is not a request for VERIFICATION or proof of mailing address but a request for VALIDATION made pursuant to the above-named Title and Section. Now, I respectfully request that XXXX  provide me with competent evidence that I have any legal obligation to pay this debt OR DELETE THIS FRIVOLOUS ACCOUNT IMMEDIATELY 1. ) Please provide a valid basis for the debt, such as the original contract/agreement, the promissory note between Consumer and original creditor, bearing Consumer wet-ink signature ; 2. ) Please provide the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. Such as XXXX XXXX balance sheet ( XXXX # 's XXXX, XXXX, XXXX XXXX, XXXX XXXX report, XXXX registration statement, XXXX prospectus, RC-S, and RC-B call schedules ;

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I was recently turned down for a new car loan because of an unknown credit entry on my " Experian '' credit report. I contacted " Experian '' this past Friday and asked them to mail me my " Free '' annual " Experian '' credit report. They said, " No. That I had to PAY for it! ''

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 2020-11-09 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: MI

Complaint narrative:
XXXX  XXXX is reporting multiple lates on a current account with the credit limit of {$500.00}. They have reported to the credit bureaus late payments in XX/XX/XXXX, XXXX and XXXX XXXX and has not supplied any proof to me. They is no proof of documents from the creditor or the credit bureaus. I have yet to hear back from the credit bureaus after requesting a REINVESTIGATION. It has been over 90 days since the initial dispute. By law, the maximum time to respond is 30 days for a re-investigation.

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 2020-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have disputed the bankruptcy twice with the credit bureau that it's inaccurate and needs to be verified. They keep responding that it has been verified but I have yet to receive something in writing verifying that it's accurate. This is for all three credit bureaus. I want the information to be properly verified and if not removed. 
There is also a XXXX  XXXX  account for {$130.00} XXXX that I asked for verification and still have yet to receive the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 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: FL

Complaint narrative:
I want to report that in a trip back some years ago my document where loss, I didn't report the incident at the moment because I didn't know about the severity of this event, sometime after I realize that my identity was been use by someone who had opened account in my name, that's why I'd like to note this to try to correct this in my credit record. 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 2020-11-09 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: CBC Companies, Inc.
State: FL

Complaint narrative:
I want to report that in a trip back some years ago my document where loss, I didn't report the incident at the moment because I didn't know about the severity of this event, sometime after I realize that my identity was been use by someone who had opened account in my name, that's why I'd like to note this to try to correct this in my credit record. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: NY

Complaint narrative:
XXXX services my mortgage loan and escrows for both homeowner 's insurance and flood insurance. XXXX failed to pay the homeowner 's insurance and stated that they never received evidence that homeowner 's was paid and therefore they were going to force place insurance on me. My insurance broker called me up and informed me that the mortgage company had not paid. I paid directly the insurance premium. I called XXXX and specifically requested that they pay the homeowner 's policy. They insisted they were going to force place unless I showed them proof of insurance, even though they had the obligation to pay the insurance premium as they were escrowing for my insurance. After raising issue to a resolution specialist, I was assured that they had evidence of insurance ( even though I paid for the insurance premium effectively twice ). 

Now I just received another letter saying that there was a lapse in coverage from XXXX. XXXX was required to pay the premium ... if there was any lapse in coverage it is their responsibility. And now they are claiming that I need to pay them {$28.00}.

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 2020-11-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: PA

Complaint narrative:
Credence RM is sending me letters stating I owe XXXX-XXXX  money which is the amount of {$1000.00} but have failed to verify the debt and amount that I owe. I sent a certified letter asking for verification and they have failed to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-09 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: Local Data Recovery, LLC
State: KS

Complaint narrative:
received a phone number from XXXX on XX/XX/XXXX saying they are from lgr wanted me to verify my date of birth to verify to see what this was even about I have no idea who ldr is and I have received six phone calls within XXXX minutes on XX/XX/XXXX which is a violation of the fair deck collection act I have filed a complaint with the attorney general office of Kansas about this also I received another phone call today that was rejected by my phone sent directly to voicemail stating that I had to call if I didn't call they would send it to the shared server would come to my door and issue me a summons I've researched this account online and I found out that other people have had similar experiences as mine have they are completely in violation of the protection act as well as harassing people they will not give you any information unless you're willing to give them your personal information if they're truly were they can provide limited information such as who they are and what they're calling about or anything all they ever tell you is that regarding allegations against you but nothing specific

Company response to consumer: Untimely response
Consumer complaint received 2020-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have disputed the bankruptcy twice with the credit bureau that it's inaccurate and needs to be verified. They keep responding that it has been verified but I have yet to receive something in writing verifying that it's accurate. This is for all three credit bureaus. I want the information to be properly verified and if not removed. 
There is also a XXXX  XXXX  account for {$130.00} XXXX that I asked for verification and still have yet to receive the information.

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 2020-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have disputed the bankruptcy twice with the credit bureau that it's inaccurate and needs to be verified. They keep responding that it has been verified but I have yet to receive something in writing verifying that it's accurate. This is for all three credit bureaus. I want the information to be properly verified and if not removed. 
There is also a XXXX XXXX  account for {$130.00} XXXX that I asked for verification and still have yet to receive the information.

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 2020-11-09 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: FL

Complaint narrative:
I want to report that in a trip back some years ago my document where loss, I didn't report the incident at the moment because I didn't know about the severity of this event, sometime after I realize that my identity was been use by someone who had opened account in my name, that's why I'd like to note this to try to correct this in my credit record. 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 2020-11-09 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 want to report that in a trip back some years ago my document where loss, I didn't report the incident at the moment because I didn't know about the severity of this event, sometime after I realize that my identity was been use by someone who had opened account in my name, that's why I'd like to note this to try to correct this in my credit record. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CMI Group, Inc.
State: NC

Complaint narrative:
Recently, a collection agency named XXXX XXXX XXXX contacted me about an outstanding balance I had with another company for {$250.00}. I informed them that the balance was due to equipment that was unreturned, but I had since returned the equipment, which negated the balance that was owed. But despite that, this collection agency reported this negated debt anyway.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-09 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: LEXISNEXIS
State: FL

Complaint narrative:
I want to report that in a trip back some years ago my document where loss, I didn't report the incident at the moment because I didn't know about the severity of this event, sometime after I realize that my identity was been use by someone who had opened account in my name, that's why I'd like to note this to try to correct this in my credit record. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 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: ID Analytics, Inc.
State: FL

Complaint narrative:
I want to report that in a trip back some years ago my document where loss, I didn't report the incident at the moment because I didn't know about the severity of this event, sometime after I realize that my identity was been use by someone who had opened account in my name, that's why I'd like to note this to try to correct this in my credit record. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
Took out a bank loan to pay off balance of MBNA card. Called MBNA representative on XX/XX/XXXX and spoke in detail that I wanted to pay off everything to have a {$0.00} balance, with nothing due beyond the payment to pay off. We discussed that the due date for payment was XX/XX/XXXX so all interests and fees would be accounted for in the amount to be paid. 

The amount I was told was due was {$10000.00}, and I was specifically told that nothing else would be due beyond this amount. 

The next month I received a bill for interest and fees. I contacted MBNA and was told that credits were being provided on my account. I specifically asked would this mean the card was paid off and nothing else was due. The woman did not state explicitly but implied that everything was being cleared up. 

I received a new bill that indicates interests charges in XXXX have been $ XXXXand fees are {$180.00}. I called MBNA again today to get information. I know there has been a charge or two for small items and I would like to make payment. However, I have not received a bill statement in the mail to show how much was charges, the amount, transaction, or date. 

I held on the line for MBNA for over 15 minutes. At 11 minutes it sounded as if someone answered the line but said nothing. For over 4 minutes of the call from 11 to over 15 minutes I held on and finally hung up. 

If there is interest and fees tied to the account pay off, these need to be removed as promised. If there are charges, I need information as to the charge so I can make payment.

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 2020-11-09 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: MI

Complaint narrative:
XXXX  XXXX is reporting multiple lates on a current account with the credit limit of {$500.00}. They have reported to the credit bureaus late payments in XXXX  XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and has not supplied any proof to me. They is no proof of documents from the creditor or the credit bureaus. I have yet to hear back from the credit bureaus after requesting a REINVESTIGATION. It has been over 90 days since the initial dispute. By law, the maximum time to respond is 30 days for a re-investigation.

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