vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-03 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: WI

Complaint narrative:
Was advised today that my application is fraud. I need that removed off whatever records its on.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc.
State: LA

Complaint narrative:
I have filed a suit against XXXX XXXX concerning my home. The note and mortgage was cancelled in XXXX of XXXX. XXXX XXXX seven years later tried to claim the note. I have filed complaints against them several times with your agency ( CFPB ).  Since then I found out between the months of XXXX and XXXX of XXXX. They filed foreclosure against me and in return I filed a suit that is pending. Around XXXX of XXXX, XXXX XXXX claim they sold the note to XXXX XXXX XXXX. I also filed a complaint with your agency ( CFPB ) against them also. During my suit I requested Temporary Restraining Order ( TRO ) until we could solve our disputes. They then removed my case from District Court to Federal Court around XX/XX/XXXX. I requested a TRO with the Federal Court but It was less than a week before the foreclosure and I had to file Chapter XXXX Bankruptcy. My case is still pending, but while the issues of this suit is still active XXXX XXXX XXXXXXXX sold the note to Caliber Home loans. I have filed around five Qualified Written Request to put them on notice that I do not have a contract with them and my note and mortgage is cancelled. 
I now believe all of the Servicers of this ghost loan is defrauding me. XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX and Caliber Home Loans. 

I am now filing this complaint against Caliber Home Loans, because of Mortgage XXXX and Fraudulent conveyances. I have no contract with them and owe them nothing. They continue to harass me and violate the RESPA rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 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: VA

Complaint narrative:
A USPS certified receipt mail letter was sent to TransUnion and delivered on Monday, XX/XX/2019 requesting validation of debt from a company called XXXX XXXX. In my request for validation, I reminded TransUnion that in accordance with their obligations under the Fair Credit Reporting Act 15 U.S.C. 1681g the consumer is entitled to said records from said company or agency, the requested  records which prove/show that the debt is indeed mine that were given to Experian to validate this debt. They must in accordance with their obligations under the Fair Credit Reporting Act 15 U.S.C. 1681i delete this information from my credit report or send me copies of the documents that they have in their files with verifiable proof. I also requested correspondence be in writing. As of today, XX/XX/2019, Experian has not provided me with verifiable proof or copies of the documents used to validate this debt. 

Instead, on XX/XX/2019, the company sent me their investigation results to my dispute stated the information was investigated and that the debt was " verified '' as accurate ( with no paperwork ). TransUnion is reporting incorrect information and refuses to produce record supporting documentation that any individual to whom gave the information or the documentation itself as requested. Consumer reporting agencies bear the responsibility to ensure the accuracy of all of the accounts they report and their responsibility must consist of more than merely parroting information received from other sources. An investigation that merely shifts the burden back to the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 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: VA

Complaint narrative:
An online dispute was submitted to Experian on XX/XX/2019 regarding a 30 days late listed on my credit report for the month of XXXX. I disputed that XXXX 's payment was not 30 days late, but was indeed paid. Experian stated, after the investigation was complete on XX/XX/2019 and that it was reported accurate by the data furnisher. I also received an updated credit report on XX/XX/2019 showing the late payment ( attached ). 

Attached is proof that a {$1000.00} payment was made for the month of XXXX on XX/XX/XXXX to XXXX XXXX and was not late, along with the confirmation number furnished by XXXX XXXX. There was also the minimum payment paid on XX/XX/XXXX for {$50.00} shown as well, which shows that the XXXX payment was paid days early and was not 30 days late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 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: IL

Complaint narrative:
Good evening I have called several times to TransUnion stating that I need to file a dispute on fraudulent inquiries that I have no knowledge of and I also explained that someone is using my social and applied to several different places also I have called the companies where the inquiries were ran and they directed me to the credit bureau I have a total of over 80 inquiries that I did not authorize and most of them are from car companies recent from 2019

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 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: FL

Complaint narrative:
Three accounts are showing the incorrect status & account balance after contacting the credit bureau. 

XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - 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 2019-07-03 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: MI

Complaint narrative:
Over the past several months, I have tried to resolve this issue, but to no avail. These accounts are invalid and unverified. I've attempted to dispute it several times already. 

XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX I am requesting your assistance in putting an end to this matter. If you have any questions or need additional information, please contact me at the address listed below.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I have received a check last Friday from XXXXne of my clients and deposited it in my bank account on Friday and it left the clients account on Friday. I went to the bank o XXXX XXXX closer to my business, I talked to the branch manager inquiring about the check and she told me it has been held for 10 days .When I asked for the reason, she said that she did not know. I asked for a district manager number, she gave me a number that did not work. I asked her to call the district manager to answer my question, she turned around and ignored me and went to other customers .I raised my voice to get her back, all of a sudden she called the police and she claimed that I was aggressive, just because I was inquiring about my money in my account XXXX XXXX XXXX XXXX  XXXX pushed me towards the outside the bank, he searched me for weapons then he cuffed me and put me in the back of his police car for close to an hour where I had a XXXX XXXX, my XXXX kids were watching the whole drama and were videotaping all the incident, adding insult to injury, the bank asked for a criminal trespass against me. I am a business man running four big  companies, I owned my own business for 15 years and never been in trouble with the law. I have been humiliated and been detained in the back of a police car, my civil rights have been violated, I need your help, I can not look in my kids face anymore, I am a single dad, full time custodian .My kids and myself are XXXX, we could not believe what just happened The bank had put my check on hold for no reason, and humiliated me when I asked for the reason for the hold.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 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: VA

Complaint narrative:
A dispute was submitted to TransUnion regarding a 30 days late listed on my credit report for the month of XXXX, 2019. I disputed that XXXX 's payment was not 30 days late, but was indeed paid. TransUnion stated, after the investigation was complete, that it was reported accurate by the data furnisher. 

Attached is proof that a {$1000.00} payment was made for the month of XXXX on XX/XX/XXXX to XXXX XXXX and was not late, along with the confirmation number furnished by XXXX XXXX. There was also more than the minimum payment paid on XX/XX/XXXX for {$50.00} shown as well. This proves that the XXXX payment was paid days early and was not 30 days late at all.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Three accounts are showing the incorrect status & account balance after contacting the credit bureau. 

XXXX XXXX XXXX - XXXX XXXX XXXX  XXXX XXXX - 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 2019-07-03 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: EQUIFAX, INC.
State: FL

Complaint narrative:
One account on my credit profile continues to show incorrect status & account balance. 

XXXX XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 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: MI

Complaint narrative:
Over the past several months, I have tried to resolve this issue, but to no avail. These accounts are invalid and unverified. I've attempted to dispute it several times already. 

XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX I am requesting your assistance in putting an end to this matter. If you have any questions or need additional information, please contact me at the address listed below.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
On XX/XX/2016, I opened an credit card account with American Express. The initial available credit for the account was for the sum of {$1000.00}. Despite the well management of the account ( no late payments and usage under 30 % ) the account has yet to be awarded a single credit limit increase. In fact, I have requested through the years at least seven credit limit increase from American Express none of which have been approved. I was recently offered an account upgrade which qualified me for an cash preferred account which I accepted, however, I was surprised to see that the credit limit was kept the same. I been a loyal customer to American Express and I have fulfilled my end of the contract by making my payments on time and using the account responsibly. I feel that I am being discriminated. Furthermore, such action violates my civil rights under any credit granting act that allows me to make use of credit in similar conditions to other borrowers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 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: GA

Complaint narrative:
Credit Bureaus keep on saying that the item displayed on my credit report are correct!! The accounts are not a charge off, they were paid off and were not late! I could not believe they did a full investigation on the accounts because they are incorrect!! I asked them for detailed response as to how the investigation went but they provided an XXXX XXXX verification.. Please remove the account asap XXXX 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 2019-07-03 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: VA

Complaint narrative:
An online dispute was submitted to Equifax regarding a 30 days late listed on my credit report for the month of XXXX. I disputed that XXXX 's payment was not 30 days late, but was indeed paid. Equifax stated, after the investigation was complete, that it was reported accurate by the data furnisher. 

Attached is proof that a {$1000.00} payment was made for the month of XXXX on XX/XX/XXXX to XXXX XXXX and was not late, along with the confirmation number furnished by XXXX XXXX. There was also the minimum payment paid on XX/XX/XXXX for {$50.00} shown as well, which shows that the XXXX payment was paid days early and was not 30 days late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-03 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
One account on my credit profile continues to show incorrect status & account balance. 

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 2019-07-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CO

Complaint narrative:
I have tried over the past three or four years many times with, XXXX XXXX, MoneyGram, and Walmart to Walmart. I can not send or receive money this is created a very very extreme problem for me and my wife. I don't think I need to explain the details but I believe it's unfair than all of a sudden they decide what they think is best. They shouldn't be in business if they're going to do this to people I want to know why they have singled me out. I am not a crook. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Blitt and Gaines, P.C.
State: IL

Complaint narrative:
( XX/XX/2019 ) Tried contacting firm to get information about a debt that was to their firm for collection, called several times with extremely long wait times left messages for call back then emailed when I missed their 2 calls and had to wait again ( about 30 mins each time ) never got a response as to if I was still supposed to make payments to them or if I needed to take other actions so I stopped making a payment when I wasnt receiving confirmation emails for payments XX/XX/2019 ( I had made 5 $ XXXX payments ). Then when I tried using my account to pay for something and it said I didnt have any money I checked the account to find funds pending for review {$470.00} was the amount ( my comed and car insurance payments couldnt go through because of this ) I called the bank who told me to call the law firm who ( law firm ) told me they sent a notice to review my account and was waiting for banks response and that it was my bank that put the freeze on the money because they had no payment ( this was XX/XX/2019 ) so today ( XX/XX/2019 ) I called the bank because the hold is still on there And I FINALLY ( after three phone calls and over an hour wait time ) was connected to a manager who told me they couldnt see if it was judge order or just law firm who put the hold on the money and they will contact me when their law department contacts him. I couldnt connect with law firm who holds the debt because they were closed. I received a letter XX/XX/2019 postage was XX/XX/2019 stating they were garnishing my account but no dollar amount other then the full debt amount of $ XXXX+ ( Said no payments were ever made towards debt ) The letter was dated back in XXXX and that I had til XX/XX/XXXX to make an appeal. I am a single parent of two small children ( the debt collector/law firm knew this ) and my bank couldnt tell me if my next paycheck that is to be deposited XX/XX/2019 would also have a hold on it- I have rent and diapers to buy I work full time And had to cash my pennies to pay for gas and dinner for my children, I honestly dont know what to do, Im filing for bankruptcy three days before my sons birthday XX/XX/XXXX but I dont think Ill have the bare minimum they are charging me for that ... help ... please

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 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: FL

Complaint narrative:
Accounts are showing wrong information. I previously contacted the credit bureau. These accounts are showing the incorrect Account balances & account status. 


11 XXXX - XXXX 06 XXXX - XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
XX/XX/2019. Tuesday. 

- My inquiries are victim to Transunion 's " Inquiry Issue ''. Customer Service with Transunion was unable to help resolve my issue & was unable to point me in the right direction to resolve my issue. 

These inquiries should not be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I XXXX 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 2019-07-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Millco Management
State: DE

Complaint narrative:
On XX/XX/XXXX a debt collection of {$730.00} was reported by Amerifinancial Solutions. The debt is medical ( figured out by researching original creditor ) from XX/XX/XXXX. I had no recollection of ever being in the hospital during this time so I was pretty confident this was incorrect. I called AFS ( ( XXXX ) XXXX ) and they confirmed the debt was under a womans name. My last name and her last name happened to be the same, but I did not know this other person. After what I thought was enough proof to fix the issue.. I was told that the false reporting would be taken off my report in two weeks and to call back then for an update. So I waited two weeks and called back. I was advised that they were unable to find any information on the woman so they could not get the debt off of my report. Im not really sure what to do next.

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