vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-11 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: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
have written this letter in the hopes you would be willing to make a goodwill adjustment on the reporting account. During the time period in which my bills became past due, my father becomes ill and I lost my job all within the same time period. He later died and I was grateful to have those last moments with him but between hospital visits and funeral expenses I simply could not sustain a way of life in order to pay my bills and all of my accounts suffered until this moment. If you review my account I paid extra and sometimes over the balance dues. I filed for bankruptcy in 2020 as a way to finally get a fresh start. 

I take full responsibility and am by no means trying to justify my actions or my financials tardiness. However, I was hoping you might review my records and the circumstances and consider removing the negative line from my credit. This negative line on my credit is preventing me from buying my first home and it would make a huge difference if you were able to eliminate it from my record. I would like to stress that the fact that the information currently being reported is accurate. I am simply asking for a courtesy gesture of goodwill in having the credit bureaus remove this account from my report because of the circumstances in which the item occurred. I recognize that this request is unique and it may not be a normal business policy, however, it would make a huge difference in my life. 

Your kindness and consideration is appreciated in this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 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: CITIBANK, N.A.
State: IL

Complaint narrative:
have written this letter in the hopes you would be willing to make a goodwill adjustment on the reporting account. During the time period in which my bills became past due, my father becomes ill and I lost my job all within the same time period. He later died and I was grateful to have those last moments with him but between hospital visits and funeral expenses I simply could not sustain a way of life in order to pay my bills and all of my accounts suffered until this moment. If you review my account I paid extra and sometimes over the balance dues. I filed for bankruptcy in 2020 as a way to finally get a fresh start. 

I take full responsibility and am by no means trying to justify my actions or my financials tardiness. However, I was hoping you might review my records and the circumstances and consider removing the negative line from my credit. This negative line on my credit is preventing me from buying my first home and it would make a huge difference if you were able to eliminate it from my record. I would like to stress that the fact that the information currently being reported is accurate. I am simply asking for a courtesy gesture of goodwill in having the credit bureaus remove this account from my report because of the circumstances in which the item occurred. I recognize that this request is unique and it may not be a normal business policy, however, it would make a huge difference in my life. 

Your kindness and consideration is appreciated in this matter

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 2020-11-11 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: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
have written this letter in the hopes you would be willing to make a goodwill adjustment on the reporting account. During the time period in which my bills became past due, my father becomes ill and I lost my job all within the same time period. He later died and I was grateful to have those last moments with him but between hospital visits and funeral expenses I simply could not sustain a way of life in order to pay my bills and all of my accounts suffered until this moment. If you review my account I paid extra and sometimes over the balance dues. I filed for bankruptcy in 2020 as a way to finally get a fresh start. 

I take full responsibility and am by no means trying to justify my actions or my financials tardiness. However, I was hoping you might review my records and the circumstances and consider removing the negative line from my credit. This negative line on my credit is preventing me from buying my first home and it would make a huge difference if you were able to eliminate it from my record. I would like to stress that the fact that the information currently being reported is accurate. I am simply asking for a courtesy gesture of goodwill in having the credit bureaus remove this account from my report because of the circumstances in which the item occurred. I recognize that this request is unique and it may not be a normal business policy, however, it would make a huge difference in my life. 

Your kindness and consideration is appreciated in this matter

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 2020-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/2020 at XXXX XXXX  I tried to make a deposit of {$2000.00} at an ATM and the machine started to reboot on me while making the transaction. I waited for it to reboot and go through its process, but when it turned back on my transaction was gone. The screen gave me an error message saying that the machine isn't working right now, and it took my money without giving a receipt or anything. I filed a complaint on the same day. Then a month later the claim I filed was reversed leaving my account negative with numerous overdraft fees. Weeks later I haven't had any resolution for the money I lost.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-11 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: NY

Complaint narrative:
A medical debt, from a collection agency still shows on my Experian report. I paid the balance in full, XX/XX/2020. I requested that the item be deleted. Experian refuses to remove it. This is causing a negative impact on my credit. 

The collection agency received full pay and has no need for the account to remain 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 2020-11-11 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: Lockhart, Morris & Montgomery Inc.
State: CA

Complaint narrative:
Collection agency XXXX XXXX XXXX on XX/XX/XXXX in the amount of {$870.00} and Lockhart Morris & Mont, on XX/XX/XXXX in the amount of {$1400.00} added a derogatory mark on my credit report per XXXX XXXX, Upon Further research the accounts were transfered/ soled and I am no longer responsible for the account. Debtor 's creditor did not verify this collection, also there was NO written form of communication, contract nor signature for this accused debt at all. A bill without a signature does not validate a debt and anybody can send a bill and say it's mines. According to the FCRA ( Fair credit reporting act ) XXXX XXXX has violated my rights as a consumer and I am requesting legal action to have these accounts be removed immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 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: IL

Complaint narrative:
On XXXX/XXXX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 70 days later, I have not received a response yet. I feel like my disputes are being ignored. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove the items from my credit report. It has been over 70 days, therefore these items should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress this has caused. My information was also impacted by the XXXX  data breach and may have ended up in the hands of the wrong people.

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 2020-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 70 days later, I have not received a response yet. I feel like my disputes are being ignored. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove the items from my credit report. It has been over 70 days, therefore these items should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress this has caused. My information was also impacted by the Equifax data breach and may have ended up in the hands of the wrong people.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Collection agency LV Funding Inc on XX/XX/XXXX in the amount of {$870.00} and XXXX XXXX XXXX XXXX, on XX/XX/XXXX in the amount of {$1400.00} added a derogatory mark on my credit report per XXXX XXXX, Upon Further research the accounts were transfered/ soled and I am no longer responsible for the account. Debtor 's creditor did not verify this collection, also there was NO written form of communication, contract nor signature for this accused debt at all. A bill without a signature does not validate a debt and anybody can send a bill and say it's mines. According to the FCRA ( Fair credit reporting act ) LV Funding has violated my rights as a consumer and I am requesting legal action to have these accounts be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 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: TX

Complaint narrative:
My Student Loans are current and in good standing with XXXX  XXXX XXXX, however my Experian report shows the same accounts as delinquent. This is False, I contacted US DEPARTMENT OF EDUCATION/XXXX  on XX/XX/20 and they said the correct information was submitted to Experian on XX/XX/20 showing the accounts are paid in full and not 180 days past due as it is being falsely reported by Experian. Experian has failed to update my credit report with the accurate information after US DEPARTMENT OF EDUCATION/XXXX has already submitted the accurate information to them. 

As a result this has hindered me from obtaining new credit, purchasing a home, business expansion as well as unwarranted stress having to deal with having negative credit which is in turn causing me to seek professional help for calmness as I feel emotionally distressed & powerless over my own 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 2020-11-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
( 1 ) I have already complained 10 times that Select Portfolio Servicing ( SPS ) does not deliver any Mortgage Payment Statement Mortgage Payment Statement on time. XX/XX/2020 Mortgage Payment Statement arrived from Select Portfolio Servicing ( SPS ) on XX/XX/2020. Select Portfolio Servicing ( SPS ) does this on purpose to collect illegally {$15.00} for paying on their website or via phone. THIS IS AN ILLEGAL AND FRAUDULENT ACTOR. How am I supposed to pay my mortgage on time via my banks own bill payment, if the? On XX/XX/2020 I had to pay XX/XX/2020 mortgage payment via Select Portfolio Servicing ( SPS ) s website ( see attached ), as my bank could not process my Mortgage Payment via my banks Bill Pay before XX/XX/2020. 

( 2 ) Besides, constant Mortgage Payment Statement 's delayed delivery issue ; there is no ESCROW ACCOUNTING AS OF XX/XX/2020 UNDER RESPA. 

cc. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA 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 2020-11-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc.
State: TX

Complaint narrative:
I was billed by XXXX XXXX XXXX in XXXX New York for a total of {$82.00} for services dated XX/XX/2019 ( pathology related ) that I never received. I called the hospital multiple times for either proof of service ( medical record/lab results ) or dismissal of the charges. But the hospital did neither and eventually reported this fraudulent charge as debt to EOS CCA. When EOS CCA sent me a letter requesting payment earlier this year for the first time, I send EOS CCA a letter to explain the issue and told them it is not a legitimate debt. I also suggested EOS CCA to investigate the charge and notified EOS CCA my change of address in the same letter. However, EOS CCA is now sending me the bill to my new address without explaining to me whether they conducted any investigation into the legitimacy of the charge or the results of any such investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: CT

Complaint narrative:
I enter into a payment arrangement with representative XXXX XXXX of National Credit Systems. According to Mr. XXXX, I had an outstanding balance of {$1500.00} from The XXXX at XXXX. I was surprised because I was currently in the process with XXXX ( from XXXX ) of getting a balance adjustment. According to Mr. XXXX, although I was working things out, that I needed to take care of the bill before he sends it to the 3 credit bureaus. I asked him what can I do to prevent from hurting my credit. Mr. XXXX ensured me that if I make a payment and continue to be current with the payment arrangements that they would prevent any derogatory reporting to any credit bureaus, PLEASE ASK TO LISTEN TO THE CALL RECORDINGS. ( It should be noted they record every call ) Even though I have NEVER missed a payment and/or never later ( they drafts my account ever 2nd of the month ) XXXX National Systems blatantly violated the agreement by reporting as a late payment, the wrong amount, and being sent to an attorney ( WHICH ARE ALL FALSE ). Please note that following the XX/XX/2020, payment on XX/XX/2020, they reported me late before XX/XX/2020 payment was due. I inquired with Mr. XXXX and he acknowledged that I was not in violation but he continued to try to collect {$470.00} and would remove the account from my credit report. I contacted Mr. XXXX XXXX manager, XXXX XXXX. According to Mr. XXXX, the verified that my account was NEVER late and missed any payments and there was a computer malfunction and that he would immediately DELETE the collections for All credit bureaus. According to Mr. XXXX, he submitted the initial deletion letter on XX/XX/2020. It now XXXX and this company continue to update this account with inaccurate and completely false information. After several attempts to have my account corrected, they continue to lie and refuses to provide me with a copy of the deletion letter and the printed payment history. I have left several messages and now Mr. XXXX no longer respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 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: CA

Complaint narrative:
Alright, here goes! 

On numerous loan applications I've done recently I've noticed that my FICO score based on Transunion data shows the following. 

SERIOUS DELINQUENCY FICO Scores consider the presence of a serious delinquency ( very late payment ) on a person 's credit report as a powerful predictor of future payment risk. Your score was impacted because your credit report shows one or more serious delinquencies. 

TIME SINCE DELINQUENCY IS TOO RECENT OR UNKNOWN Missed and late payments, including the number of late payments, how late they were, and how recently they occurred, are important to FICO Scores. Your score was impacted because the time since your most recent past due payment was too recent. 

When I check my Transunion credit report, there is no delinquency, but this supposed delinquency is affecting my FICO credit score, as my Experian based score is some 80 points higher. I pay all my stuff on time and everything is fine and dandy. I even purchased a Transunion score ( which uses the VantageScore 3.0 scoring formula ) and it rates me at XXXX or " XXXX XXXX. 

When I contacted Transunion, they told me they can't do anything about it and to contact Fico score as they would be the ones to fix it.

I contacted Fico at myFico since that seems to be the consumer side of their operations, but they told me as well that they have no control over the information that goes into generating the score and that I have to contact Transunion.

I contacted Transunion again, and they told me nothing is wrong on their end. I now have 2 companies pointing fingers at each other and am powerless as an individual to get this situation fixed, which leads me to making this complaint! If I could receive assistance in getting this fixed, that would be awesome. I personally think it's some sort of coding issue mistranslating Transunion data to FICO numbers, but both companies are telling to talk to the other, leaving me stranded.

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 2020-11-11 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: OH

Complaint narrative:
The accounts on my credit report are in violation of Federal Law. I have requested a few time before a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. I have no record of doing business with any of these companies listed below. Trans Union, XXXX, XXXX have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX # XXXX, XXXX BAL {$500.00}

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 2020-11-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
Specialized Loan Servicing LLC charged me a late fee and I have never been late on any monthly mortgage payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 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: TN

Complaint narrative:
I have filed for them to remove this bankruptcy too many times. I have wasted money and sent letters certified and still no resolution. This is damaging my personal and business life. They stated that the information was verified in the enclosed document XX/XX/2020 but the bankruptcy was removed from XXXX  but is still currently reporting on XXXX and XXXX. They are reporting inaccurate and unverifiable information and I would like for it to be removed and an updated copy of my credit report sent 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 2020-11-11 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: LEXISNEXIS
State: TN

Complaint narrative:
I have filed for them to remove this bankruptcy too many times. I have wasted money and sent letters certified and still no resolution. This is damaging my personal and business life. They stated that the information was verified in the enclosed document XX/XX/2020 but the bankruptcy was removed from XXXX  but is still currently reporting on XXXX  and XXXX. They are reporting inaccurate and unverifiable information and I would like for it to be removed and an updated copy of my credit report sent to me.

Company response to consumer: Closed with explanation