vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-22 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Greetings, For the past XXXXwo years or so, I have been going back and fourth with Experian.com because they refused to remove two negative accounts on my credit report. The accounts are showing charged off. I spoke to both credit card companies and they told me it's up to the credit bureau to remove the accounts. My mother just passed on XX/XX/2018. I do not have a job at the moment. The credit card companies understood this because they saw I was making payments on time before the company I worked for went out of business. Since then, I have not been able to cope with this lost. After that, it was unfortunate events after another. These accounts are not only a weight over my shoulders but these are blocking me from moving forward or even have a new start. Keeping this on my credit report is some sort of punishment. I have been punish enough so please help me get these solve. 

According to the fair credit act, the statute of litigation on debt in XXXX  is 3 yrs. and 5 yrs in XXXX. These two accounts are too old to be on my credit report. They are going with the statute of litigation in XXXX. However, I didn't have a verbal agreement with any company in XXXX. The verbal agreements I had was with two companies one located in XXXX and the other in XXXX. On top of that, there so many errors that they refused to fix. Experian had different stories every time I called them. A month and half ago I called them because they sent me a letter stated the accounts were deleted. I looked at my accounts and it was still showing. The agent I spoke to, she told me she wasn't able to see the accounts on her end. But I was able to see them on my end. I have proof of the letter they sent me stated the account was deleted. They continues to lie every time I called. Please help me with this matter. Thank you! 

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 2018-05-22 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: NY

Complaint narrative:
I am in the process of building a legal case for intentional, reckless, malicious and willful violations of the FCRA as well as defamation from TransUnion, A copy of this dispute will be used as evidence if needed. The following information is being reported inaccurately, falsely and unfairly by TransUnion. XXXX XXXX ... On XX/XX/2018, I wrote TransUnion directly and once again provided them with additional information proving the inaccuracies with the XXXX XXXX listing. Once again they did not reinvestigate or send me results of the dispute within the 30 day FCRA time frame. Attached you will find copies of the letter and the proof that TransUnion received the dispute. A copy of this complaint as well as past CFPB complaints on TransUnion is going to the FTC, Illinois Attorney General, New York Attorney General, XXXX XXXX XXXX and my legal counsel.

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 2018-05-22 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NE

Complaint narrative:
I am writing to file a complaint against Experian XXXX. 
What kind of investigations they did because my last letter of disputed that I sent to Experian, they were received on XX/XX/XXXX at XXXX and I received a Disputed Results with Report # : XXXX dated XX/XX/XXXX? only they take four days to re-investigate my dispute letter, for my knowledge Experian works from Monday to Friday you do not work on weekends. 
The same way Experian defamation of character, because in the statement and fraud alerts they are publishing in my profile without my authorization, I never request any fraud alerts and I never request to put any statement on my credit profile. All this looks suspicious is the reason that I am writing to you ; how could I believe if they are doing the same with those accounts that they are posting that are repeat in my credit profile. What are they doing is a violation of my rights? 
Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Violation of Statute of Limitations by State on that debt Violation of the Fair Credit Billing Act Defamation of Character. 
I'm asking you to stop defamation on in my credit profile because this message that appears in my credit profile of any circumstance I never have asked to put any fraud alert or any statement even that phone number in the statement I do not recognize it, this is what you are posting in my credit profile. 
Bureau Message : XXXX &XX/XX/XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XX/XX/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 2018-05-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
I have contacted GM Financial to update my credit reporting. This account has not been updated since XX/XX/2016. The balance and payment histories are inaccurate and they refuse to update it. I have written to them and contacted XXXX in the message center.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I contacted Equifax, and XXXX XXXX/XXXX on XX/XX/XXXX about an unauthorized inquiry on my credit report, that was reported by XXXX XXXX/XXXX on me on XX/XX/XXXX. I requested that the inquiry be deleted. I have attached a copy of both letters that I mailed certified. Equifax responded that the inquiry was updated. I have never received a response from XXXX XXXX/XXXX on the matter. However the inquiry has not been deleted by XXXX XXXX/XXXX or by Equifax. I have never applied or purchased anything from XXXX XXXX/XXXX. I have had previous issues with my personal information being compromised by Equifax. I am not sure if the 2 incidents are related, but I am sure that this was not an authorized inquiry by me and it needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: United PanAm Financial Corp.
State: TX

Complaint narrative:
I went to car dealer and signed a contract on the XX/XX/2018 and made the agreed payment dait of the first of every month because I am on social security told XXXX XXXX XXXX I was on XXXX so car dealer and them were aware of me being paid the first of the month the person that called me they said they dont care about my XXXX then told me pay by the XX/XX/XXXX or they take the truck but have a 3 day grace period and they said they dont care my XXXX has no barring on the contract by law I have a verble contract with the dealer so now I pay on the first only or I get you for XXXX discrimination and file on my bankruptcy, The dealer said we can sign the contract now get my insurance pay first payment on the first they said they set it that way so we can pay for the truck without any problems like XXXX XXXX XXXX putting all [ payments late have witness to the fact and verbal contracts hold up in the court of law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22 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: NY

Complaint narrative:
Greetings, For the past two years or so, I have been going back and fourth with XXXX because they refused to remove two negative accounts on my credit report. The accounts are showing charged off. I spoke to both credit card companies and they told me it's up to the credit bureau to remove the accounts. My mother just passed on XX/XX/2018. I do not have a job at the moment. The credit card companies understood this because they saw I was making payments on time before the company I worked for went out of business. Since then, I have not been able to cope with this lost. After that, it was unfortunate events after another. These accounts are not only a weight over my shoulders but these are blocking me from moving forward or even have a new start. Keeping this on my credit report is some sort of punishment. I have been punish enough so please help me get these solve. 

According to the fair credit act, the statute of litigation on debt in XXXX is 3 yrs. and 5 yrs in XXXX. These two accounts are too old to be on my credit report. They are going with the statute of litigation in XXXX. However, I didn't have a verbal agreement with any company in XXXX. The verbal agreements I had was with two companies one located in XXXX and the other in XXXX. On top of that, there so many errors that they refused to fix. XXXX had different stories every time I called them. A month and half ago I called them because they sent me a letter stated the accounts were deleted. I looked at my accounts and it was still showing. The agent I spoke to, she told me she wasn't able to see the accounts on her end. But I was able to see them on my end. I have proof of the letter they sent me stated the account was deleted. They continues to lie every time I called. Please help me with this matter. Thank you! 

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 2018-05-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: AZ

Complaint narrative:
I have been trying to get a satisfaction of mortgage letter for over FOUR months. Numerous phone calls with NO RESULTS. Closest thing I received is a verification of mortgage 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 2018-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: TX

Complaint narrative:
This account should be removed from my credit profile of all three bureaus because the creditor has failed to provide documentation of the debt as well as their right to collect for the third party. I have never heard of the third party company which this creditor is collecting for.

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 2018-05-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
American Express declined to increase my limit, they provided me with incorrect reasoning and a false credit score. When contacting customer service on multiple occasions they told me they were transferring me to the correct department when they were realistically sending me to start a new call. This was on XX/XX/XXXX. The date the credit limit increase was requested was on the XX/XX/XXXX and they claim the request was made on the XX/XX/XXXX. This is for a corporate credit card. At this point I feel I am being discriminated against for my age or for their knowledge of my previous credit scor prior to corrections. Also, with my previous employer my credit limit was set at XXXX and now this is set at XXXX. Im being forced to utilize this credit card through my employer. I need them to correct this and provide me what is provided to the rest in my company without discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22 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: NM

Complaint narrative:
XXXX XXXX, Equifax and XXXX  are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This account should be removed from my credit profile of all three bureaus because the creditor has failed to provide documentation of the debt as well as their right to collect for the third party. I have never heard of the third party company which this creditor is collecting for.

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 2018-05-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I made several payments to my Wells Fargo Home Mortgage account via XXXX Ca Branches, back in XX/XX/XXXX and XX/XX/XXXX that they did not apply my funds to the account. On my statement it states, UNAPPLIED FUNDS. In XX/XX/XXXX Wells Fargo changed my loan number without my consent. Theyve been threating me and my property of default foreclosure and now eviction. Earlier this year they were trying to sell my property in a Public Auction which stated that I initiated the auction. Prior to that I attempted to bring my loan current with the amount they are saying I owe, by going to all three XXXX Ca Wells Fargo Bank branches and make payment. All 3 WFB refused my payment stating the loan number account does not exist. The Bank manager stated I shouldve been out of my house since XX/XX/XXXX. He pulled up my account somehow and it stated that I only have paid {$1000.00}. When I purshased my home in XXXX I made over 20 % down payment. How can this be? Now currently XX/XX/XXXX the XXXX XXXX Sheriffs are coming to my home and Evicting me. I hope we can resolve this because I have documentation to prove my case.

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 2018-05-22 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: NM

Complaint narrative:
Trans Union, XXXX and XXXX are ignoring my requests to investigate, verify and remove accounts from my credit reports that do 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
Consumer complaint received 2018-05-22 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: NM

Complaint narrative:
XXXX XXXX, XXXX and Experian are ignoring my requests to investigate, verify and remove accounts from my credit reports that do 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
Consumer complaint received 2018-05-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America ; what name the banker who witness me sign application to open up account? If you do not have witness, I am request you deleted this 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 2018-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I am frustrated in regards to the accounts that are not associated with me, I have filed an identity theft report and faxed it over to all 3 bureaus, I have contacted XXXX, Transunion, and XXXX via phone, fax, and certified mail. I haven't had any luck in getting anything resolved. I am trying to buy a home, and accounts that are not associated with me are coming back and reporting negatively which is impacting my score tremendously. These accounts have been lingering on my account since 2014 The following accounts where tied to my name which I havent opened : XXXX XXXX in the amount of {$590.00} XXXX XXXX in the amount of {$450.00} XXXX XXXX XXXX in the amount of {$450.00} XXXX XXXX XXXX in the amount {$220.00} XXXX XXXX XXXX XXXX in the amount of {$550.00}

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 2018-05-22 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Riverwalk Financial Corporation
State: SC

Complaint narrative:
I don't owe this debt because this school closed before I was able to take my test and I had no knowledge of this balance until this account become in collections. I called to see about this debt and the collectors were rude and couldn't explain why this debt belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I contacted Transunion, and XXXX XXXX XXXX on XX/XX/XXXX about an unauthorized inquiry on my credit report, that was reported by XXXX XXXX XXXX on XX/XX/XXXX. I requested that the inquiry be deleted. I have attached a copy of both letters that I mailed certified. Neither Transunion nor XXXX XXXX XXXX have responded to my correspondence, nor has the inquiry been deleted from my credit report. Transunion did send me an updated credit report per my request in my letter, but did not address the deletions of the inquiry. I have never applied to, nor do I have any inactive or active accounts with XXXX 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 2018-05-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: OH

Complaint narrative:
Ocwen has problems with their website. I finally was able to get logged in to make a payment and it am being forced to electronically sign an admendment. Ocwen has noted that the ageeement is in lieu of documents but clearly mention charging XXXX per document. I can not make a paymet on line or by phone unless I agree. My loan is due to be paid in 2021, this is a clear attempt to punish me as my loan is due to be paid, my balance is just over {$13000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22 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: NY

Complaint narrative:
My name is XXXX XXXX and I am contacting you regarding account XXXX Reported : XX/XX/2018 - {$420.00} Closed showed up on my Equifax credit report. It is fraud and it does not belong to me and I would like it removed from my credit report at once. I am a victim of identity theft but it seems like every time Equifax is forced to remove something off my credit report they find something else to add to drop my score. Please make them remove this fraudulent account because it doesn't belong to me. Also I have asked them several times to add my employer which they refuse to do my employer is XXXX XXXX XXXX XXXX. My credit score should be at almost 700 if things were reported correctly by Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: American Recovery Service Incorporated
State: LA

Complaint narrative:
I settled a debt with XXXX through their collection agency XXXX XXXX ph : XXXX. I made payments as agreed upon. Recently I received a mail from a different collection agency ARSI ph : XXXX for the " remaining amount ''. That amount was agreed to be cancelled based on the settlement. I called XXXX and was told to call XXXX because the file is no longer with them. I called XXXX and was told to call ARSI. I called ARSI and was told to call 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