vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-16 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: HW Holding, Inc
State: CA

Complaint narrative:
I am disputing a negative collection mark on my XXXX  and XXXX credit reports in the amount of {$140.00}. The original creditor for this amount is XXXX at XXXX XXXX Apartments. The debt now belongs to Hunter Warfield. 

The reason I am disputing this collection is because the original creditor, XXXX at XXXX XXXX, is attempting to charge me for an expense they incurred before I was a resident at their apartment complex. 
I have attached two supporting files : File # XXXX is the move out statement and ledger that the original creditor, XXXX at XXXX XXXX, mailed to me upon vacating the apartment. The ledger indicates there is a move out balance of {$130.00} ( the actual amount on my report is now {$140.00} due to added interest charges from Hunter Warfield. ) File # XXXX is an invoice from XXXX XXXX XXXX charged to the original creditor, XXXX at XXXX XXXX. This invoice was provided to me by the original creditor, XXXX at XXXX XXXX, as part of my move out statement. The invoice is for carpet replacement in the apartment unit I resided in. 

Per File # XXXX my lease agreement began on XX/XX/2018. Per File # XXXX the invoice was generated and dated on XX/XX/2018. This means that the carpet in the apartment unit was replaced before my lease agreement began. 

I have disputed this issue with XXXX  and they quickly removed the negative collection mark from my credit report. As quoted by XXXX  on page # 1 of the attached file XXXX  Dispute Results, Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). Please feel free to review the XXXX Dispute Results attached file for your reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Hello, i have sent multiple letters to both XXXX  and transunion but have not received any responses from them. i am aware that they have 45 days now during the covid 19 pandemic but they are ignoring my requests. The letters were received XXXX and i have the tracking number to prove. That is for second letter indicating that they have not responded to previous letter.

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 2021-02-16 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: PA

Complaint narrative:
I submitted a dispute letter to XXXX, Equifax, and XXXX  to remove a few late payments from my credit report. It's been over 45 days and I still have yet to receive from any of the bureaus. The negative items on my credit report are causing me emotional and financial stress. I demand the negative items on my credit report to be deleted immediately or I will file for litigation due to the stress that you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Since XX/XX/XXXX I have been requesting that transunion provide me with the proof of their right to report UNverified accounts on my credit file in the form of physical contracts stored within their computer database. I submitted requests disputing these UNverified accounts via certified mail on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Every account I disputed was investigated by Transunion and the results were " verified ' and updated, however transunion did NOT provide me with their method of verification and they FAILED to provide me with the copies of any original documentation of a physical consumer contract with my signature on it. Accounts I am disputing : # XXXX XXXX XXXX open date XX/XX/XXXX original amount {$1600.00}, # XXXX XXXX XXXX open date XXXX XXXX original amount {$6000.00}, # XXXX XXXX XXXX open date XXXX XXXX original amount {$3500.00}, # XXXX XXXX XXXX open date XX/XX/XXXX original amount {$2700.00}, # XXXX XXXX XXXX open date XXXX, XXXX original amount {$4700.00}, # XXXX XXXX XXXX open date XXXX XXXX original amount {$790.00} According to the FCRA if transunion does NOT have a copy of the documents used to verify the accounts they are required to delete all unverified items. Trans Union has exceeded their 30 day response window for my XX/XX/XXXX requestt

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 2021-02-16 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX contracts verse month to month service XXXX XXXX are reporting a bill ov {$3100.00} this company never sent any mail explaining my bill ov this amount now XXXX  XXXX was removed from my credit report months ago this company is currently accessing my ssn without any authorization from myself the XXXX holder this company has not write to access my score without my authriazation I have it spoke or dealt with version in the last yr or longer my Experian credit file indacaited that XXXX  XXXX has accessed my Experian report by putting the same bill ov {$3100.00} that Experian customer service apperatly remove in the past cause XXXX  XXXX couldnt validate or show any type ov valid info on myself the ssn holder that this amount is actually owed when I spoke to XXXX  XXXX executive managers department they explained the XXXX  XXXX does not collect on customers who could not afford the bill because they are a month to month pay as u go service I really believed Im being attacked because Im XXXX and has been XXXX over 20 yrs now I dont have {$3100.00} to pay thus so called amount I fill my credit and having a XXXX Im being token advaantage ov because Im XXXX XXXX in one XXXX ov my XXXX I fill this company may be using my ssn to access my credit files according to Experian credit reporting after being disputed can someone help me to get these unnessary and inaccurates bills off my credit file I fill Im being made a fool ov I only had to lines ov service so how can I billed {$3100.00} when XXXX XXXX never not once sent a bill to my home address

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 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 — Investigation took more than 30 days
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I have file a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not any investigation results.

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 2021-02-16 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: NC

Complaint narrative:
I recently looked over my credit reports and found some incorrect information. I sent a dispute to the 3 bureaus regarding these accounts and did not receive a response at all. I waited 50 days and resent my letters again. I even checked online to confirm that I sent them to the correct address. It is now the 40th day and I have yet to receive a response for the 2nd time. I am only try to fix my credit report as it is showing incorrect information without paying {$1000.00} for a company to do it for me and I am getting nowhere.

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 2021-02-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/20 an unauthorized purchase was made to my credit card. Upon seeing the charge I made a call to Citi Bank to tell them it was not my charge They cancelled the card ending in XXXX and issued a new card ending in XXXX. They allowed the charge again on the new card and kept allowing charges. 
The company that made the charges XXXX XXXX XXXX XXXX. The thief had my social security number probably due to the XXXX  breach. So Citi Bank determined I must have made the charge. I requested the product description and they refused to provide it, supposedly for privacy purposes. I did not make the purchases and both Citi Bank and the XXXX company refused to find the thief. 
charges XX/XX/20 {$60.00} XX/XX/20 {$180.00} XX/XX/20 XXXX new card XX/XX/20 {$180.00} XX/XX/20 {$12.00} XX/XX/20 {$160.00} XX/XX/20 {$20.00}. 
I filled out every form they sent both in e-mail and USPS. They still made me pay me all the charges. I finally closed the acct. I want my money returned to me and the thief found. I have also spent tons of time and expense returning the forms and many phone calls. 
Transaction Details Transaction Date : XX/XX/20 Transaction Amount : {$180.00} Merchant/Description : XXXX XXXX Dispute Details Dispute Date : XX/XX/20 Dispute Amount : {$180.00} Dispute ID : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Experian. 


1. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft 3. Company Name : FACTUAL DATA Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft 4. Company Name : FACTUAL DATA Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft XXXX. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 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 — Investigation took more than 30 days
Company: Nelnet, Inc.
State: GA

Complaint narrative:
I have filled a dispute in regards to the incorrect items on my credit report. It has been well over 45 days and i havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 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 — Investigation took more than 30 days
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I have filled a dispute in regards to the incorrect items on my credit report. It has been well over 45 days and i havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: AZ

Complaint narrative:
Our loan originally with XXXX XXXX  was sold to PNC. XXXX paid our homeowners insurance in error as part of a bulk payment to XXXX XXXX XXXX XXXX XXXX Before XXXX made this error, we had already paid our insurance policy separately on XX/XX/XXXX. 2020. XXXX 's error resulted in a double insurance payment for 2020 with XXXX asking us to ask the insurance company to refund XXXX 's money. 

However, just after this double payment, the error was transferred over to PNC Bank, rather than being resolved when our mortgage was sold in XX/XX/2020. Instead of a resolution, XXXX and PNC created an escrow on the account for their incorrect insurance payment. My wife and I have spent hours calling all three parties ( insurance company, XXXX, and PNC ) and emailed PNC numerous times to ask them to remove the escrow from our account. We have emailed proof of the error ( email from XXXX ), plus a Credit Card Statement as supporting evidence to show that payment had been made twice and there should not be an escrow. After months of this process between the three entities, PNC still refuses to remove the escrow from our account. Now, essentially the escrow is asking for a third payment for the insurance. 

We pay a fixed amount each month which includes a additional principal payment. When the banks added the inaccurate/unnecessary escrow to our account, it reduces the additional principal payment and increases the net interest collected by PNC. Again, instead of the banks correcting their error, they merely added a second error and pass the issue between various departments and never answer or address the issue of correcting the error and eliminating the escrow. PNC is not taking accountability for their errors and are not responding to consumer outreach. 

Any help you can provide will be greatly appreciated. thank you, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
I applied for a program that Huntington Bank is offering called XXXX in XX/XX/XXXX, the program is designed to help small businesses during the XXXX. The qualifications are simple you must be a minority or a veteran and you must per the loan banker have a XXXX credit score although my personal credit score was XXXX. I applied and was told I was denied credit due to items listed on a XXXX XXXX credit report of items reporting in XXXX, and XXXX. I was told if I had a bankruptcy it was ok it was not a disqualification, however, I did indeed file bankruptcy in XXXX and it was removed from my credit reports in XXXX. Huntington has begun to forego the typical credit reports ie : XXXX, XXXX, XXXX, but I was told have began to lean on XXXX XXXX and I asked how is it that items from XXXX can be used against me and XXXX, I was even told the underwriter noted my bankruptcy that should not be even be showing on a credit report and definitely should not be used against me being that I have maintained my credit since filing in XXXX. The loan representative said my credit score was not the issue but rather the dated credit issues from years past. I then went on to ask who are they lending to under this program because with the so-called qualifiers I should have been approved, she explained but then XXXX does a secondary qualification on their own without notifying the consumer. I was unaware of this and I feel frankly it is another way to disqualify minority groups from funding. I do not understand how credit blemishes from many years ago were used versus good credit history of present. This program is being advertised as a way to help disadvantaged communities with small businesses in mind and they definitely are not assisting those communities with these bogus unfair practices. It seems XXXX and it seems unfair and lopsided in the information being provided to customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 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 — Investigation took more than 30 days
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: AR

Complaint narrative:
MY PAYMENT WITH BAYVIEW WAS REPORTED 30 DAYS LATE ON XXXX  IN XX/XX/2017. THAT IS NOT CORRECT. MY PAYMENT WAS NOT LATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
My name is XXXX XXXX XXXX and I am filling this complain because equifax does not intends fix my personal information and my online access to the credit report. 
Since last XX/XX/2020 I have submitted at least 5 disputes informing Equifax that one the address showing in my credit report was not correct. the address in question is : XXXX XXXX XXXX, XXXX, TX XXXX. This address belong to one of my best friend in Texas. Not even mentioned that i have never been in Texas. I have submitted several dispute and they replied to me that the rorer was fixed but It still showed in my report. I also sent written request for confirming my Identity but stil the issues is not fixed. I also asked several time to update my online information so I could frozen and unfrozen my credit by myself but still it shows a technical error. Despite confirmation : XX/XX/2020 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Illinois Collection Service, Inc.
State: IN

Complaint narrative:
OnXX/XX/XXXX I received a call from a person claiming to be from a collection agency asking me to verify my social and birthday. I asked the lady who she was and what company she was calling me on behalf of. She said ICS Collection Service and before she could tell me anything else I needed to give her my social and date of birth. I told her that I can not just give my social out because people are scamming. She very rudely told me that I owed money and she needed to verify it was me before she could tell me to whom. I hung up and called the number back to see what the call was about. I was told that a medical bill was sent to their office for non payment from the XXXX XXXX for XXXX in XXXX one month before the pandemic hit. I told the guy that I have insurance and that I had not received any calls or mail stating that I owed any money to the XXXX XXXX. At that time he verified the address that they had was indeed wrong. I asked him at that time to please send me this bill so that I can send it to my insurance company. On today 's date XXXX, not even 30 days later I receive notice from XXXX  that this collection agency has flagged my credit in collection. I have GOOD credit and pay all of my debt in full every month. I worked very hard through the pandemic to ensure that everyone gets paid. I was not given fair notice, time, or the opportunity to settle this debt before this collection company placed it on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
MY PAYMENT WITH XXXX WAS REPORTED 30 DAYS LATE ON EQUIFAX IN XX/XX/2017. THAT IS NOT CORRECT. MY PAYMENT WAS NOT LATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 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: CBC Companies, Inc.
State: TX

Complaint narrative:
I requested that innovis provide me with the proof of their right to report UNverified accounts on my credit file in the form of physical consumer contracts stored within their computer database via notarized and certified mail on XX/XX/XXXX. Every account I disputed was investigated by innovis and the results were " verified ' and updated, however innovis did NOT provide me with their method of verification and they FAILED to provide me with the copies of any original documentation of a physical consumer contract with my signature on it. Accounts I am disputing : # 1 XXXX XXXX open date XX/XX/XXXX original amount {$1600.00}, # 2 XXXX XXXX open date XXXX XXXX original amount {$6000.00}, # 3 XXXX XXXX open date XXXX XXXX original amount {$3500.00}, # 4 XXXX XXXX open date XX/XX/XXXX original amount {$2700.00}, # 5 XXXX XXXX open date XXXX, XXXX original amount {$4700.00}, # 6 XXXX XXXX open date XXXX XXXX original amount {$790.00} According to the FCRA if innovis does NOT have a copy of the documents used to verify the accounts they are required to delete all unverified items.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 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: NJ

Complaint narrative:
XXXX XXXX ( Auto Financing Companies ) Inquiry date : XX/XX/2019 - This inquiry does not belong to 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