vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-15 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: NY

Complaint narrative:
i have log into my Experian account and i see that theres a debt collection that i have nothing to do with where the amount is {$1100.00} from a company call ... .... XXXX XXXX XXXX,XXXX Original Creditor XXXX XXXX XXXX  XXXX XXXX XXXX and it gose back all the way from XX/XX/2012. i told the company i dont have nothing to do with this debt and i aslo send a letter to Experian i dont recognized that debt. So please i would like for this debt collection taken off my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15 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: NV

Complaint narrative:
To whom it may concern, I am highly disgusted with the practice of this company that continues to list a dismissed Bankruptcy on my credit report. The Bankruptcy was dismissed due to me changing my mind, and my mother helping me pay off some of my bills. I have disputed this issue with Transunion and XXXX multiple times now only for them to send back the same automated letter stating that their policy is to keep reporting Bankruptcies that are filed, adjudicated or dismissed for ten years. Not only have I received the same response from both companies but I also received a letter from a 'XXXX   XXXX ' from Transunion stating they never received a dispute letter from me which is a LIE ( and I have the responses in my possession ) and that I need to send in verifying documents AGAIN because I'm not reported in their database. How is that even possible when I've been disputing this for months? and a pretty similar response from XXXX XXXX from XXXX. The problem with this is not only is it severely hurting my credit and ultimately hindering my livelihood, the Fair Credit Reporting Act mentions absolutely nothing in Section 1681c regarding bankruptcy about dismissals and filings despite XXXX and XXXX mentioning that in the Fair Credit Reporting Act " allowing '' it to be reported for 7 years. However the law CLEARLY states from " Date of adjudication '' or date of " order of relief '' ANY case, civil or otherwise which is dismissed no longer exists in the eye of the law, and a case filed may never have actually been adjudicated. Therefore this company has no right to maintain any information that the government has deemed nonexistent. Therefore pursuant to section 1681 ( a ) ( 5 ) of the FCRA, they must delete this information from my credit report and send to me an updated copy of my  credit report when this action has been completed. Not only with this information from the law please also note that the dates listed as the dismissal is NOT correct, which I also have told Transunion and XXXX in a previous dispute leading to the fact and practice that ALL erroneous information reported calls for removal as well. It's quite ridiculous and a horrible practice from the company that with absolutely no remorse they have denied the dispute every time and not done the proper investigation nor resolution, it's unacceptable.

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 2019-02-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
Please note that the dispute case number is XXXX. 
In XX/XX/2018, a service was paid for using PayPal for services to be expected from Mrs. XXXX XXXX DBA XXXX XXXX XXXX XXXX XXXX. However, this person did not complete the service. The protection of PayPal in an instance like this was the only reason for using such a payment method. PayPal is aiding the seller of a service, rather than protecting the consumer who used hard earned money to pay for what is sought to be a scam. Mrs. XXXX was allowed to keep the money for a service that she advertises as organizing with PayPal as her preferred method of payment. I opened a dispute with PayPal and they denied my case and decided in the favor of XXXX XXXX. There isn't too much to report and confuse things. It's simple XXXX XXXX charged me for a service using PayPal and she did not fulfill the commitment, therefore, I the consumer are titled to my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15 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:
I have ( 1 ) late payment and ( 1 ) deliquent account and my credit score still remains below 600.

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 2019-02-15 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: NJ

Complaint narrative:
I have ( 1 ) late payment and ( 1 ) deliquent account and my credit score still remains below 600.

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 2019-02-15 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: LA

Complaint narrative:
I don't even remember the dates but they keep threatening and harassing me. I'm not even sure of the amount. It was over 5 years ago and they took unauthorized money out of my account which after I had to close the account to stop from getting charged by my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15 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:
I have personally been affected by several data breaches. I have found serval fraudulent accounts on my report and I am requesting the are removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Firstsource Business Process Services, LLC
State: AZ

Complaint narrative:
I was called on my home land line on XX/XX/XXXX at XXXX from a XXXX XXXX at First Source asking to speak with me. My spouse answered the call and advised I was unavailable. XXXX XXXX asked my spouse for another number to reach me at and she declined but let him know that he was calling our home number and could call back later. The next day on XX/XX/XXXX, a person from this same company called my spouses brother and left a message indicating the call was for me. A recorded message was left indicating the call was from a debt collector. XXXX XXXX from First Source intentionality called a family member knowingly even though he had confirmed the day prior that he had my correct home phone number. This collector and collection company used this tactic of intentionally calling a nearby relative for the purpose of creating false urgency and embarrassment hoping it would trigger me to make payment.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo is in breach of our mortgage contract. They are withholding more in our escrow account then what is clearly agreed upon. They flat out refuse to explain why. I have tried to get a explanation out of them but all they do is deflect and double talk every time I ask a direct question about why they are with holding more then what is required. This is typical for this company. They have a bad reputation and I feel uneasy dealing with them.

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 2019-02-15 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:
I have personally been affected by several data breaches. I have found serval fraudulent accounts on my report and I am requesting the are removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-15 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: NC

Complaint narrative:
I have personally been affected by several data breaches. I have found serval fraudulent accounts on my report and I am requesting the are removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-15 00:00:00
Product: Credit card or prepaid card — Store credit 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: CA

Complaint narrative:
On XX/XX/XXXX, I was making a purchase at XXXX XXXX. The total charge was {$50.00}. I initially tried to pay by XXXX XXXX credit card. The new cashier in training told me she could not process my credit card and asked me to pay cash. I then paid {$60.00} in cash and I got {$10.00} for change. 


After two months, I got a bill stating I owe {$78.00} including the late fee. That means I was charged twice on XX/XX/XXXX and I paid twice ( XXXX credit card and my cash ) for the same items.I did not even got the first bill of {$50.00} in the first place. 


Since I have already paid the items by cash, I am not responsible for the {$78.00} card payment. I called XXXX XXXX and filed a dispute. I was told I would not be charged the interest during the investigation. I faxed my letter explaining the situation and faxed a copy of the receipts. 


However, I got three letters today on XX/XX/XXXX from XXXX XXXX. The first one stated they got my request for the dispute. The second one I got was asking me to call them to provide further info. The third one was the statement asking me to pay {$110.00} now including the additional late fee again. I called XXXX XXXX   again and the representative twisted the story. She said the cash payment was cancelled and the credit card was charged. I discussed about the receipts I sent them earlier by fax but the info was ignored. 


Therefore, pls follow up and waive all the charges and fees.

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 2019-02-15 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: CREDIT ACCEPTANCE CORPORATION
State: AL

Complaint narrative:
I have a loan with CREDITACPT. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX  and CREDITACPT with no successful resolution. XXXX  and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late.

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 2019-02-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: GA

Complaint narrative:
I attended XXXX University from XX/XX/XXXX to XX/XX/XXXX online out of state. They are currently under a lawsuit settlement & have paid off or forgiven former students loans. I'm wondering why I have not been contacted & this outstanding loan of {$69000.00} is showing on my credit incurring interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15 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: NV

Complaint narrative:
To whom it may concern, I am highly disgusted with the practice of this company that continues to list a dismissed Bankruptcy on my credit report. The Bankruptcy was dismissed due to me changing my mind, and my mother helping me pay off some of my bills. I have disputed this issue with XXXX   and Experian multiple times now only for them to send back the same automated letter stating that their policy is to keep reporting Bankruptcies that are filed, adjudicated or dismissed for ten years. Not only have I received the same response from both companies but I also received a letter from a 'XXXX   XXXX ' from XXXX stating they never received a dispute letter from me which is a LIE ( and I have the responses in my possession ) and that I need to send in verifying documents AGAIN because I'm not reported in their database. How is that even possible when I've been disputing this for months? and a pretty similar response from XXXX XXXX from Experian. The problem with this is not only is it severely hurting my credit and ultimately hindering my livelihood, the Fair Credit Reporting Act mentions absolutely nothing in Section 1681c regarding bankruptcy about dismissals and filings despite XXXX and XXXX mentioning that in the Fair Credit Reporting Act " allowing '' it to be reported for 7 years. However the law CLEARLY states from " Date of adjudication '' or date of " order of relief '' ANY case, civil or otherwise which is dismissed no longer exists in the eye of the law, and a case filed may never have actually been adjudicated. Therefore this company has no right to maintain any information that the government has deemed nonexistent. Therefore pursuant to section 1681 ( a ) ( 5 ) of the FCRA, they must delete this information from my credit report and send to me an updated copy of my credit report when this action has been completed. Not only with this information from the law please also note that the dates listed as the dismissal is NOT correct, which I also have told XXXX and Experian in a previous dispute leading to the fact and practice that ALL erroneous information reported calls for removal as well. It's quite ridiculous and a horrible practice from the company that with absolutely no remorse they have denied the dispute every time and not done the proper investigation nor resolution, it's unacceptable.

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 2019-02-15 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: AZ

Complaint narrative:
My loan payments were always sent on time. I keep explaining this to Transunion but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. 

XXXX XXXX XXXX and XXXX  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 explanation
Consumer complaint received 2019-02-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: SC

Complaint narrative:
National Credit adjusters has reported a delinquent debt of {$1500.00} on my credit report from XXXX. I have no knowledge of this account and was never informed of this being reported. I recieved zero letters about this collection, I only found out about it after checking my credit report in XXXX of XXXX. I sent a letter to the company asking for validation of this debt in XXXX of XXXX. The company never responded. It is now two years later and this remains on my report and I have no idea where this came from. This debt is not mine and I want this removed off of all my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15 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: MS

Complaint narrative:
There are inaccurate addresses, spelling of my name and Chapter XXXX Bankruptcy reporting on my credit reports. After viewing my credit reports on XXXX XXXX and XXXX XXXX both are showing inaccurate reporting of Chapter Bankruptcy XXXX discharged. On XXXX XXXX it's showing the Bankruptcy XXXX discharged on XXXX and XXXX   and not Equifax. On XXXX XXXX it's showing on Equifax and not XXXX ( attached ). 

So I contacted the couthouse in XXXX Mississippi listed on my Equifax report because on XXXX has it listed as " Federal Court ''  this bankrupcty was dismissed, not discharged and is not reporting 100 % clear and accurate information FCRA 609 ( a ) ( 1 ). The Date of filing is inaccurate also. 

After more research I found that this was also a violation of all 3 companies to insure that grave responsibilities with fairness, impartiality, and a respect for my right to privacy. 15 U.S.C. 1681 ( a ) ( 4 ). In the case of XXXX Vs XXXX  " reasonable procedures should be carried out to assure maximum possible accuracy '' on my credit report 15 U.S.C. 1681e ( b ). 

And THE ELECTRONIC CODE OF FEDERAL REGULATIONS 660.4 Direct disputes. ( iv ) Information derived from public records, such as judgments, bankruptcies, liens, and other legal matters ( unless provided by a furnisher with an account or other relationship with me, the consumer ). I had no relationship with the courthouse or whatever company furnished this information. 

FDIC 600.1 Authority and purpose ( b ) The Fair Credit Reporting Act requires that XXXX, Equifqx, and XXXX provide information to be fair and equitable towards me with regard to the confidentiality, accuracy, and proper use of any information reporting on my credit profile. 

And first-hand knowledge, which means XXXX, Equifax, and XXXX should have on file, if this Bankruptcy was accurately reporting, the actual petition of the bankruptcy, bearing my signature in BLUE INK according to FCRA 603 ( 2 ) Verification ( I ) made in connection with an application that was made by, or a transaction that was initiated by me, or in connection with a review of an account under section 604 ( a ) ( 3 ) ( F ) ( ii ) [ 1681b ]. 

FCRA 604 15 U.S.C. 1681b XXXX, XXXX and XXXX   maintains under my social security number ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order. Making this BANKRUPTCY FILING INCORRECT, INACCURATE AND UNVERIFIABLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION
State: NY

Complaint narrative:
XXXX XXXX increased my $ XXXX  monthly payment to {$150.00} with no notice, and will not allow me to lower the rate back down. I don't make enough money to pay that, and only want monthly payments of {$100.00} at a time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15 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: Ditech Financial LLC
State: GA

Complaint narrative:
My husband & I were previously with Greentree in XX/XX/XXXX when we purchased our mobile home and then Di-tech Financing took over. Greentree did not give a notice or notify us ahead. We have had our home since XX/XX/XXXX. Our total principal balance was XXXX & we still currently owe still XXXX yr of XX/XX/XXXX. Less than 1/2 of our payments goes towards the principal balance. ( XXXX Monthly ) They are under a lawsuit @ this time and some consumers or customers mortgage loans has been paid off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15 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: AZ

Complaint narrative:
My loan payments were always sent on time. I keep explaining this to Equifax but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. 

XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation