vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-16 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: EQUIFAX, INC.
State: TX

Complaint narrative:
INFORMATION Inquiries are not currently disputable online through the Dispute Center. If you believe an inquiry is the result of identity theft, the inquiry can be disputed by phone through an XXXX Specialist by  calling XXXX. 

SORT BY Recent Alphabetical Hard Inquiriesshow tooltip button XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Mortgage. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Real Estate on behalf of XXXX XXXX - XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX Real Estate on behalf of XXXX XXXX XXXX XXXX   This inquiry is scheduled to continue on record untilXX/XX/XXXX. 

Not disputable online XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Monterey Financial Services LLC
State: CA

Complaint narrative:
This complaint is toward Monterey Collections. I would like to state that I have never signed a contract with them nor have I ever requested to deal or communicate with them. Their communications to me have been extremely harassing, stating that they will obtain a judgment in 30 days and telling me to " govern myself accordingly ''. The calls I've received from them are from their " lawyer '' asking for money. The number they call from is XXXX. I have contacted the original creditor for years regarding the cancellation of my account being that they pushed this contract on me with extremely high pressure and being riddled with lies about the contract. This contract was a complete misrepresentation to me just to take my money, while also increasing the amount I have to pay each year. I have also expressed to them that I have been extremely sick, going into the emergency room several times at XXXX. I am continuously ignored, dismissed, harassed, and never once assisted in the resolution I am seeking. Now after years, they bring on the idea of putting a judgment on me? They misrepresented this entire contract, never provided assistance, and now want to place a judgment and destroy my credit. This is baffling! At this point, I am demanding that my report be cleared with anything from this company and that they remove me from their files and cancel all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-16 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: I.A.C. INC
State: MA

Complaint narrative:
Hello and How are you? Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info for Acct XXXX XXXX Acct # XXXX. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 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: TX

Complaint narrative:
INFORMATION Inquiries are not currently disputable online through the Dispute Center. If you believe an inquiry is the result of identity theft, the inquiry can be disputed by phone through an Experian Specialist by calling XXXX. 

SORT BY Recent Alphabetical Hard Inquiriesshow tooltip button XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MO XXXX Mortgage. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Real Estate on behalf of XXXX XXXX - XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX Real Estate on behalf of XXXX XXXX XXXX XXXX   This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
XXXX XXXX XXXX and Transunion should not be reporting that I am ( 120-180 ) days late on the XXXX partial account numbers XXXX ; XXXX ; XXXX ; and XXXX. ( Please see pages attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an XXXX. These accounts should be coded as an XXXX. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
XXXX  ; Experian and XXXX should not be reporting that I am ( 120-180 ) days late on the XXXX partial account numbers XXXX ; XXXX ; XXXX ; and XXXX. ( Please see pages attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an XXXX. These accounts should be coded as an XXXX. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Hello and How are you? Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info for Acct XXXX XXXX Acct # XXXX. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of 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 2020-09-16 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Hello and How are you? Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info for Acct XXXX XXXX Acct # XXXX. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of 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 2020-09-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Please refer to the attached Letter dated XX/XX/2020. The Table, Column Two ( 2 ) labeled Note 1, Line 2 indicates XX/XX/2020. ( Note 2 ). What does this reading mean. Is there a date like this? This is confusing. 

You have not addressed the issue. How do you justify interest rate increase during COVID19 crisis?. Is this fair to raise the interest rate from XXXX XXXX XXXX XXXX XXXX while the COVID 19 has adversely affected me as well? 

I request that Wells Fargo reconsider the current interest rate and restore the prior interest rate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
ACH Deposit of {$11000.00} from XXXX Arkansas XXXX XXXX to my BofA small bussines account ( an LLC ), ordered by a client, XXXX XXXX, was rejected as fraud by BofA after 10 days. 
Near XXXX ( {$8800.00} ) were withdrawn on that money and Were Sent to the client, who now denies having it. 
1 ) Why a bank agent said 3 days after the deposit ( XX/XX/XXXX ) was good but one week after ( XX/XX/XXXX ) another bank agent said the deposit was rejected. 
2 ) Why did the bank consider the deposit bad? 
3 ) What did BofA do with that {$11000.00} deposit money?. 
My account was frozen and closed. The Money deposited XXXX {$11000.00} XXXX plus that sent to client XXXX {$8800.00} XXXX were excluded from transfer to a new account. 
4 ) Can BofA request the cash transferred out of the account from XXXX to XX/XX/XXXX XXXX to XXXX and XXXX to be refunded?. 

Thanks for any help you can provide.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 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: CORELOGIC INC
State: TX

Complaint narrative:
ftc showing that I disputed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses show tooltip button Select as many as apply XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX PARK XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX   XXXX potentially negative icon Potentially Negative StatusClosed. {$610.00} written off. 
Account TypeCredit card Balance- Date XXXX Dispute XXXX XXXX   XXXX XXXX potentially negative icon Potentially Negative StatusPaid in settlement. {$1000.00} written off. 
Account TypeCredit card Balance- Date XXXX Details under dispute icon Currently Under Dispute show tooltip button XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$170.00} written off. {$170.00} past due as of XX/XX/2020. 
Account TypeSecured Loan Balance {$170.00} Date XXXX Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$610.00} written off. {$510.00} past due as of XX/XX/2020. 
Account TypeSecured Loan Balance {$510.00} Date XXXX Details under dispute icon Currently Under Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$210.00} written off. {$210.00} past due as of XX/XX/2020. 
Account TypeSecured Loan Balance {$210.00} Date XXXX Details under dispute icon Currently Under Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$2600.00} written off. 
Account TypeAuto Loan Balance- Date XXXX Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusOpen. 
Account XXXX XXXX XXXX {$7800.00} Date 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 2020-09-16 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: TX

Complaint narrative:
General Account Info Report Number : XXXX Date Generated : XX/XX/2020 Account XXXX XXXX Account XXXX Account TypeLease ResponsibilityJoint Date XXXX StatusPaid, Closed. {$3900.00} written off. 
Status UpdatedXXXX XXXX Balance- Balance Updated- Recent Payment- Monthly Payment {$0.00} Original Balance {$5900.00} Highest Balance {$0.00} XXXX Months Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX SINGLE 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 2020-09-16 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This Is my second complain! 
Try to get a loan from my local bank, when they polled my credit form Equifax, my name show incorrectly and my social security number did not show on my file. I contacted Equifax to get the problem resolved. Even though they verified who I was over the phone the told me that I need it to file a dispute sending them a copy of my License, Social Security Card and prove of address. on XXXX XXXX I file the the dispute and I uploaded the documents they asked for and I received the confirmation # XXXX witch it shows on the Equifax web-site under my profile as a depute being process. ( I have a picture ) Since the dispute had a resolved date of XXXX XXXX I called today XXXX XXXX XXXX to see if the matter was corrected in there system. The first thing they asked when I called was about the first complain I file with CFBP and after that I got transfer to two different people XXXX who couldn't fine my file and told me that she couldn't help me and did not want to give a last name or employee # and XXXX who also refuse to give his last name or employee # after more than 30 minutes on the phone going true the validation of my identification shortly after, this gentleman informed me that they had not received the dispute I had file and the dispute # I was proving for him from the Equifax website wasn't showing on his screen there for I need it to file another dispute. In the meantime the loan I need it from the bank for this week is not going to get process because they can't verify the correct information from the documents I uploaded on the Equifax website on XXXX XXXX Please help!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
Good Morning and hope you're doing well during Covid19 ... ..I was shocked when I reviewed my credit report and found late payment on the dates on XX/XX/2020 for 30 days. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion should not be reporting that I am ( XXXX ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I contacted XXXX XXXX and due to a hardship caused by COVID, XXXX XXXX agreed for me to defer payments. I have attached a copy of their correspondence for verification of my conversation with a XXXX XXXX representative. This false reporting of a late is seriously harming my credit score and this line item needs to be updated to report accurate information. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureau to fix this however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 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: NE

Complaint narrative:
My credit score has been consistently fluctuating by large numbers ( up to XXXX points at a time ) since XXXX of 2020. My Transunion report states that my Federal Student Loan balance ( Serviced by XXXX XXXX XXXX has increased by upwards of {$2500.00} and the following month decreased by the same amount which shouldn't happen due to the fact that my student loan payment comes out of my payroll and is matched by my employer. Transunion has decreased my score by XXXX - XXXX points everytime XXXX has reported my balance increasing ( which is inaccurate because my balance hasn't increased and i've never had a late payment ) but when XXXX reports my balance decreasing, the points are not given back. My credit score SHOULD NOT BE FLUCTUATING due to my student loans. I have contacted both Transunion and XXXX. 

Transunion - When i contacted the company, i received THE WORST CUSTOMER SERVICE i have EVER experienced. That is saying a lot, considering i have been employed in customer service and loan servicing industry my entire adult life. Not only was the agent rude and combative, but he then explained that there was absolutely nothing he could do for me. When i asked to speak to his supervisor, i was placed on hold for 5 HOURS! Unbelievable! Unacceptable! 

XXXX - The customer service agent was very nice and helpful but i was told that there seems to be nothing wrong with my account and he didnt understand why i was being negatively reported. 

This situation is in direct violation of UDAPP and FCRA guidelines. I have been dealing with this issue for 8 months and, quite frankly, i don't understand where the issue lies. I need this issue to be resolved as it is adversely affecting my ability to live in today 's society as a single individual. Please help 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