vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-02 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:
The bureaus are reporting this XXXX XXXX account inaccurately. 

TransUnion reports XX/XX/XXXX for the date of last activity while XXXX reports the date as being XX/XX/XXXX and XXXX reports the date as being XX/XX/XXXX. 

Also, TransUnion has not legally investigated this account as XX/XX/XXXX is the last reported date. 

XXXX has never legally investigated this account as XX/XX/XXXX is listed as the last reported date, either. 

XXXX has clearly illegally re-aged this account. Also, XXXX reports additional positive payment history on a closed account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-02 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:
The bureaus are reporting this XXXX XXXX account inaccurately. 

XXXX reports XX/XX/XXXX for the date of last activity while XXXX reports the date as being XX/XX/XXXX and Experian reports the date as being XX/XX/XXXX. 

Also, XXXX has not legally investigated this account as XX/XX/XXXX is the last reported date. 

Experian has never legally investigated this account as XX/XX/XXXX is listed as the last reported date, either. 

XXXX has clearly illegally re-aged this account. Also, XXXX reports additional positive payment history on a closed account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-02 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: FL

Complaint narrative:
My name is XXXX XXXX. i am the same person who filed a complaint last XX/XX/2022 with complaint number XXXX. I am filing another one to prove that it is me making a complaint against this credit bureau for not responding to the letters I had sent. I will attach the same letter here and hope they will work on it this time, if not then I guess I will need to take it to the next step and seek litigation.

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 2022-08-02 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:
I have been battling with the bureaus over this XXXX XXXX account for months and months! 

XXXX has illegally re-aged this account multiple times and currently lists the date of last activity as XX/XX/XXXX while Experian lists the date of last activity as XX/XX/XXXX. 

Obviously, this all is incorrect and violates the FCRA. XXXX has already removed this account from 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 2022-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Equifax is stating on my report that I am deliquent and they are not providing me with reasons why is the case. 

I have called them and they are not providing me with the information. With the other two credit agencies, there are no reports of this deliquency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I believe your company is using stall tactics while looking into my claim. your inaccurate reporting of consumer file is hurting my ability to obtain credit and i need this issue resolved immediately. according to the FCRA you have 30 days to review a claim and provide proof I verified my identity initially and need my claim resolved. be mindful i am keeping record of all responses and will file a complaint with the Federal trade commission if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 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:
I have been battling with the bureaus over this XXXX XXXX account for months and months! 

TransUnion has illegally re-aged this account multiple times and currently lists the date of last activity as XX/XX/XXXX while XXXX lists the date of last activity as XX/XX/XXXX. 

Obviously, this all is incorrect and violates the FCRA. XXXX has already removed this account from 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 non-monetary relief
Consumer complaint received 2022-08-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have disputed the addressXXXX XXXX XXXX with XXXX and have provided a utility bill and it still has not been removed. The correct address is the XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-08-02 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 ask the TRANS UNION & XXXX to investigate accounts on my credit report that where inaccurate. when the investigate was completed i find that there investigation was one sided and went against the FCRA when they didn't get my side or anybody that was at the transaction. Which is a violations of federal LAWS. i send in a affidavit address these concerns to all the violations i found on 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 non-monetary relief
Consumer complaint received 2022-08-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: AES/PHEAA
State: MS

Complaint narrative:
Please remove all late payments as a good faith act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 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: CT

Complaint narrative:
I went into XXXX hospital for a XXXX XXXX, within XXXX mins of getting to the room in the ER, the hospital admin comes around to collect insurance info. which I happily gave. The ENTIRE visit was covered under my insurance EXCEPT for some reason the XXXX XXXX Cat scan ( which is covered under my insurance ) I guess they were just too lazy to run the insurance. ever since then I have fought this in EVERY way possible, disputed it with XXXX XXXX directly, then their collection agency Eastern accounts, I have disputed it with ALL 3 credit bureaus .... Shown proof that 1. That entire hospital visit was covered OTHER then this 2. My insurance was 100 % active and 3. My insurance covers 100 % of radiology.. no one cares, they just want to get money from hard working people.

Then to add insult to injury when you call and dispute it directly they ask for " information '' about you pretending to help THEN on the next dispute the info you gave them shows up proving its your debt!!!! underhanded

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 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: CT

Complaint narrative:
I went into XXXX hospital for a XXXX XXXX, within XXXX mins of getting to the room in the ER, the hospital admin comes around to collect insurance info. which I happily gave. The ENTIRE visit was covered under my insurance EXCEPT for some reason the XXXX XXXX Cat scan ( which is covered under my insurance ) I guess they were just too lazy to run the insurance. ever since then I have fought this in EVERY way possible, disputed it with XXXX XXXX directly, then their collection agency Eastern accounts, I have disputed it with ALL 3 credit bureaus .... Shown proof that 1. That entire hospital visit was covered OTHER then this 2. My insurance was 100 % active and 3. My insurance covers 100 % of radiology.. no one cares, they just want to get money from hard working people.

Then to add insult to injury when you call and dispute it directly they ask for " information '' about you pretending to help THEN on the next dispute the info you gave them shows up proving its your debt!!!! underhanded

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 2022-08-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
Sps servicing has held my mortgage since XX/XX/XXXX and still does. They paid for the insurance part in escrow until XX/XX/XXXX when they dropped it, still paying for other taxes included. Payment is paid a year in advance so the insurance part of escrow was paid till XX/XX/XXXX, payment was suppose to be made for XX/XX/XXXX but was not, I`m now paying for this. XXXX, the insurance company for the property sent me a bill for it as documents attached confirm. I told them that Sps is suppose to pay for that and XXXX said they agree but Sps refuses to pay it. 

I talked with Sps on many calls in XXXX to XXXX and made over XXXX calls asking them to return the insurance to escrow as all taxes were to be included in the payment as agreed when the property was purchased in XXXX. XXXX said they never saw this before. Attached document from Sps shows they no longer do this coverage for condos. 

I filed also with the XXXX XXXX XXXX and the State Attorney Generals Office in Florida, both forwarded my complaint to Sps and they are awaiting responses from Sps on this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 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: TX

Complaint narrative:
Please see the attached letter from the court your company " verified '' the inaccurate bankruptcy on my consumer file confirming they do not verify any information with the 3rd party. are you aware that removing any information on a consumer file and then later adding it back without written notice is in direct violation of the FCRA? i'm giving your company a chance to fix this error before i seek litigation. i am keeping record of all responses from your company as evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 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: NC

Complaint narrative:
I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX and contacted the police department however I was unable to file a report due to lack of information as to who may have stolen my identity.

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 2022-08-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Management Partners, LLC
State: TX

Complaint narrative:
A collections account was placed several years ago stating I owed balance of {$150.00} for treatment @ XXXX XXXX XXXX in XXXX XXXX Tx where I previously resided. I have contacted XXXX & XXXX on multiple occasions stating I have XXXX balance and I have the billing statement that reflects that. Ive contacted RMP services multiple times stating this info and Ive provided documentation to the collections co, Ive also disputed many times with XXXX with no satisfactory results. This fraudulent collections had stayed on my credit report for years and continues to show delinquent payment even thow Ive shown proof this amount of {$150.00} is not owed by me.I spoke to a CS rep on XX/XX/2022 and stated these same facts again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: PA

Complaint narrative:
I had lost a portion of my business in the beginning on XXXX of XXXX. 
I started to fall behind on my mortgage payments an called Amerisave which is who my mortgage is with. They were of no help what so ever. Then I got XXXX really bad, so bad I could not work at all for months, could not do anything. I started to feel better in XXXX XXXX and had noticed I had no communication sent back to me about the loan. I tried to log on to my account to see what options were available to me I was unable too. I then called to find out why I was unable to access my account online and this is what was told to me. 
Since I am using a XXXX  account my emails where going into a " special folder ''. I told the representative that is something I think you should tell your customers, dont you think? 
Then she tried to show me how to get to the folder but still no correspondence there. XXXX proceeds to put me on hold to find a solution, she comes back on and tells me I have no access to my account because we have started the foreclosure procedures. 
I told them I was sick for a long time and was unable to do anything and now I am much better shape to make arrangements to get my account in good standing again but they were not interested in helping me at that point. This conversation took place XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Central Portfolio Control Inc.
State: UT

Complaint narrative:
I have an old account on my credit from XXXX XXXX XXXX that was charged off in XX/XX/XXXX it was sold to XXXX collection agency and then another called Central Portfolio XXXX XXXX of XXXX and they show it as being chared off in XXXX of XXXX which is wrong and everytime I go to credit bureau to make them put the original date of the collection they up date it to that day so in XXXX months i have ask XXXX to fix it they have shown the date as that month and I read by law the original date has to be on the collection on my bureau and they only date they show is one and a month ago, no account numbers no original file date and everytime I try to fight it because it comes off my credit next year and they cant collect they make it look like it just happened I know they can keep updating it but they have to show the original date, Yesterday they put the date on XXXX as XX/XX/XXXX and its not is a debt from almost XXXX XXXX XXXX. there angry they cant collect and are just harassing me to no end. please help. Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
The bank puts a freeze on my XXXX  deposits. The last one I sent was credited to my account on.XXXX  XXXX and they won't release the funds to my 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 2022-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
XX/XX/XXXX My Citibank checking account balance was {$50000.00}. I initiated a {$25000.00} transfer to my XXXX XXXX account. The money went to XXXX XXXX and they disbursed it as I requested. On XX/XX/XXXX at XXXX p.m. I received insufficient funds notice from XXXX XXXX that Citibank had reversed the transfer. At XXXX p.m. I received e-mail from Citibank that my transfer had been canceled. I called Citibank immediately and was told I would have to wait till Monday & call a different number. On Monday I called & first XXXX people I talked to hung up on me because I was asking why transfer was canceled. Next person I talked to transferred me to an " account specialist '' who transferred me to someone named XXXX who also hung up on me when I wouldn't accept his answer that he couldn't tell me why transfer was canceled. He said he could see the account but would not tell me anything. He said a letter was sent to me on XX/XX/XXXX. I called back and got someone else who said they were sending a letter that day & they couldn't tell me anything until I got the letter. Said I will get it 7-10 business days. I asked for a supervisor & was told a fraud supervisor would call me back in XXXX hour. I got no call. Called again & XXXX said he would call me right back. He did not. I had now been on the phone all day. I called back at XXXXXXXX XXXX. & XXXX told me supervisor XXXX would call me back in XXXX minutes. She did not. At XXXX p.m. after holding for XXXX minutes XXXX said someone would call me back. No one did. I started all over again the next day & spent all day on the phone again. Someone who said his name was XXXX transferred me to another fraud department. I got XXXX who told me no one can see my account until I get the letter they supposedly sent on the XXXX. I finally gave up and decided to wait the 10 days to receive the letter they supposedly sent. It has now been 14 days and I still haven't received a letter. During this whole process I had asked several times if they could send me a certified letter or XXXX so I could go ahead and get this mess straightened out. They always refused. I called back once more today ( XX/XX/XXXX ) and got a recording that the bank was closed. NO ONE WOULD TELL ME WHY THE TRANSFER WAS CANCELED AND THEY STILL HAVE NOT RETURNED THE FUNDS TO MY CITIBANK 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 2022-08-02 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: MD

Complaint narrative:
I have sent in a letter to get medical accounts removed that are in collections and have no updates. Also, they are not able to verify accounts that have medical information on them, so when they do an investigation where do they get this information from? Also I would like to have proof of this being verified and connected 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 non-monetary relief
Consumer complaint received 2022-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please see the attached letter from the court your company " verified '' the inaccurate bankruptcy on my consumer file confirming they do not verify any information with the 3rd party. are you aware that removing any information on a consumer file and then later adding it back without written notice is in direct violation of the FCRA? i'm giving your company a chance to fix this error before i seek litigation. i am keeping record of all responses from your company as evidence.

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