vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-25 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: CA

Complaint narrative:
I have recently sent 3 certified letters since XX/XX/XXXX-XX/XX/XXXX to all 3 credit agencys to delete accounts ( listed below ). They continue to say they verified the accounts, but never told me who they verified the accounts with, no contracts showing the accounts are mine, nor signatures. Also usually is over 30 days for a response, which is against the law of the FCRA. Please delete Accounts listed below XXXX ( XXXX XXXX XXXX  XX/XX/XXXX# XXXX ) ( XXXX XXXX XXXX # XXXX ) ( XXXX XXXX # XXXX ) ( XXXX XXXX XXXX # XXXX ) ( XXXX XXXX XXXX # XXXX ) TransUnion- ( XXXX XXXX XXXX # XXXX ) ( XXXX XXXX XXXX #  XXXX ) ( XXXX XXXX XXXX XXXX ) ( XXXX XXXX XXXX # XXXX ) ( XXXX XXXX XXXX # XXXX ) ( XXXXI ) XXXX- ( XXXX XXXX # 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 2018-07-25 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: CA

Complaint narrative:
I have recently sent 3 certified letters sinceXX/XX/XXXX-XX/XX/XXXX to all 3 credit agencys to delete accounts ( listed below ). They continue to say they verified the accounts, but never told me who they verified the accounts with, no contracts showing the accounts are mine, nor signatures. Also usually is over 30 days for a response, which is against the law of the FCRA. Please delete Accounts listed below Experian- ( XXXX XXXX XXXX # XXXX ) ( XXXX XXXX XXXX # XXXX ) ( XXXX XXXX # XXXX ) ( XXXX XXXX XXXX # XXXX ) ( XXXX XXXX XXXX # XXXX XXXX XXXX ( XXXX XXXX XXXX # XXXX ) ( XXXX XXXX XXXX #  XXXX ) ( XXXX XXXX XXXX XXXX ) ( XXXX XXXX XXXX # XXXX ) ( XXXX XXXX XXXX # XXXX ) ( XXXX ) XXXX- ( XXXX XXXX # 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 non-monetary relief
Consumer complaint received 2018-07-25 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: SUNTRUST BANKS, INC.
State: VA

Complaint narrative:
Suntrust mortgage # XXXX shows every month being " OK '' and never delinquent. It subsequently shows that the loan was satisfied in XX/XX/XXXX. Never was a late payment shown. When you move to XXXX, however, it shows a 30 past due balance that is delinquent. There were 2 loans closed on XX/XX/XXXX, and I have the HUD contract to show this. However, the loan in question shows delinquent in XXXX. If that were the case why don't both loans show as delinquent? How is it possible to be delinquent on a closed loan that shows satisfied with never a payment missed. If this document provides me the means I will upload the HUD statement. I have disputed it repeatedly with the credit agencies, and I have only heard back from XXXX so far. They agree that the delinquency should not be on my credit, but they will do nothing to remove it. I need it to be removed from both Suntrust and all three credit reporting agencies : XXXX, XXXX, and XXXX. 

I tried to get this information updated months ago, but instead of fixing the problem Suntrust then hit my wife 's credit report for the exact same thing. They weren't reporting it on her credit before even though we were both on the loan. Now it is hitting both of our credit reports when it should not. I suspect that when we closed the loan on XX/XX/XXXX that the person closed one loan and left the other loan as opened.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25 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: CA

Complaint narrative:
I was discharged with chapter XXXX bankruptcy docket # XXXX in XX/XX/XXXX. Experian, XXXX, XXXX are all reporting the wrong dates ( XX/XX/XXXX ), BK should be removed off my credit report, only reports for 10 years, discharged XX/XX/XXXX. Told Experian to verify there information but never responded back, I also took the liberty to call the court house and they verified with me that it should be off of my credit report. Please delete off 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 2018-07-25 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: CA

Complaint narrative:
I was discharged with chapter XXXX bankruptcy docket # XXXX in XX/XX/XXXX. XXXX, TransUnion, XXXX are all reporting the wrong dates ( XX/XX/XXXX ), BK should be removed off my credit report, only reports for 10 years, discharged XX/XX/XXXX. Told XXXX to verify there information but never responded back, I also took the liberty to call the court house and they verified with me that it should be off of my credit report. Please delete off 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 2018-07-25 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: CA

Complaint narrative:
I was discharged with chapter XXXX bankruptcy docket # XXXX inXX/XX/XXXX. XXXX, XXXX, Equifax are all reporting the wrong dates ( XX/XX/XXXX ), BK should be removed off my credit report, only reports for 10 years, discharged XX/XX/XXXX. Told XXXX to verify there information but never responded back, I also took the liberty to call the court house and they verified with me that it should be off of my credit report. Please delete off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25 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: GA

Complaint narrative:
XXXX- Collection account. {$250.00} past due This is inaccurate, no contract exists ... settled with original creditor, and I want this grave error removed, because it is wrong and against F.C.R.A. law No proof or verification has been forwarded to me, and I did request this, and the law states that I am entitled to it, but you don't have it, so I didn't expect to receive it ...

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Credit Karma, LLC
State: FL

Complaint narrative:
Every time I try to register on CreditKarma I am given the error message that my personal records don't match the records of the Credit Bureaus. I tried to register on Annual Credit Report. com and I'm having the same issue. Obviously my SSN has never changed. I keep trying my past addresses and I'm having similar issues. I pay my own auto insurance, phone bill, subscriptions to Satellite Radio/NetFlix/streaming services but I've never taken out a loan or credit card. I paid cash for my college tuition and cars. Could the limited credit history be my issue? I find it hard to believe I don't have any credit history at all? Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
We have been working on a Short Sale since XXXX ( See attached Document named " Summary of Events with Citi Mortgage on the Short SaleXX/XX/XXXX '' ). The lender has given excuse after excuse why it has taken so long to evaluate the offer. Their continued inexplicable delays caused the original buyers to walk from the deal after the contract expired ( 180 day ) despite having a complete package the entire time. Immediately, after the other buyers " walked '', we submitted another Cash offer and complete package at the direction of the lender for the same price. It was provided directly to them AND their local counsel ( See Attached ). The Lender performed an appraisal just a few weeks ago ( attached ) that supports our offer price and  assures them they will NET what they desire. 

The Lender and their Counsel have refused to the cancel the sale next week despite continuing to work on the short sale offer, asking for documents they already have and admitting receipt of a complete package. This unfortunately is not surprising since they have continued to push forward with the foreclosure sale despite having an open loss mitigation alternative. They are simply dual tracking this foreclosure case and not acting in good faith. Previously, they failed to cancel the trial despite admitting to be in possession of a complete package/short sale offer for months. This is the definition of DUAL tracking. CITI is simply is trying to drag this out and force foreclosure when a SHORT SALE offer is in their possession which is a cash deal that NETS them exactly how much they require. This is a WIN WIN situation for both parties. There is no reason not to postpone the sale and approve the Short Sale Immediately which benefits all parties. Why are they allowed to move forward with a foreclosure case including a trial and sale when they had a complete package since XXXX ( verified by their counsel on XX/XX/XXXX ). 

Again, They are DUAL TRACKING this foreclosure Case and have been since in inception. PLEASE HELP!!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25 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: Russell Collection Agency, Inc
State: MI

Complaint narrative:
The Russell Collection Agency is reporting a collections account that has been included in my bankruptcy. They have two accounts on my credit reports : {$90.00} Opened XX/XX/XXXX ( 6 mos ) Account status Open Type No Info Responsibility Individual Account. 
Remarks Consumer disputes this account information Collection account Original Creditor Name XXXX XXXX XXXX Closed No Info You could dispute an error with equifax SEE AN ERROR? 
If there's an error on your report, you can submit a dispute without leaving XXXX XXXX. 

GO TO XXXX Creditor Information RUSSELL COLLECTION A G-XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX Overview You've paid off 0 % of your collection amount. 
Balance {$29.00} Highest Balance {$29.00} Opened XX/XX/XXXX ( 6 mos ) Account status Open Type No Info Responsibility Individual Account. 
Remarks Consumer disputes this account information Collection account Original Creditor Name XXXX XXXX XXXX Closed No Info You could dispute an error with equifax SEE AN ERROR? 
If there's an error on your report, you can submit a dispute without leaving XXXX XXXX. 

GO TO XXXX Creditor Information RUSSELL COLLECTION A G-XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Every time I try to register on XXXX I am given the error message that my personal records don't match the records of the Credit Bureaus. I tried to register on XXXX XXXX XXXX XXXX  and I'm having the same issue. Obviously my SSN has never changed. I keep trying my past addresses and I'm having similar issues. I pay my own auto insurance, phone bill, subscriptions to Satellite Radio/XXXX/streaming services but I've never taken out a loan or credit card. I paid cash for my college tuition and cars. Could the limited credit history be my issue? I find it hard to believe I don't have any credit history at all? Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Every time I try to register on XXXX I am given the error message that my personal records don't match the records of the Credit Bureaus. I tried to register on XXXX XXXX XXXX XXXX  and I'm having the same issue. Obviously my SSN has never changed. I keep trying my past addresses and I'm having similar issues. I pay my own auto insurance, phone bill, subscriptions to Satellite RadioXXXX/streaming services but I've never taken out a loan or credit card. I paid cash for my college tuition and cars. Could the limited credit history be my issue? I find it hard to believe I don't have any credit history at all? Thanks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25 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: Russell Collection Agency, Inc
State: MI

Complaint narrative:
The Russell Collection Agency is reporting a collections account that has been included in my bankruptcy. They have two accounts on my credit reports : {$90.00} Opened XX/XX/2018 ( 6 mos ) Account status Open Type No Info Responsibility Individual Account. 
Remarks Consumer disputes this account information Collection account Original Creditor Name XXXX XXXX XXXX  Closed No Info You could dispute an error with XXXX  SEE AN ERROR? 
If there's an error on your report, you can submit a dispute without leaving XXXX XXXX. 

GO TO XXXX Creditor Information RUSSELL COLLECTION A XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX Overview You've paid off 0 % of your collection amount. 
Balance {$29.00} Highest Balance {$29.00} Opened XX/XX/2018 ( 6 mos ) Account status Open Type No Info Responsibility Individual Account. 
Remarks Consumer disputes this account information Collection account Original Creditor Name XXXX XXXX XXXX  Closed No Info You could dispute an error with XXXX  SEE AN ERROR? 
If there's an error on your report, you can submit a dispute without leaving XXXX XXXX. 

GO TO XXXX Creditor Information RUSSELL COLLECTION A XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo gave me the option to not pay two months of my mortgage because of the hurricane that hit Florida in XXXX. They said they would modify my loan putting those payments at the end of the loan. In XXXX they sent me papers to sign but my father was still listed even though I told him that he passed. I had to bring in his death certificate in so they could take him off. Me and my father bought our house together with the right to survivor clause with my mother signing away any rights to the house if he passed. This was done at the closing. When they sent me new papers to sign they put my mother on the mortgage making her financially responsible for the house. They did this on their own without any permission. I called and asked why they put my mother on and they said that when one spouse dies the law in Florida says that they assume his debt. I was told to get a quick claim deed and file with court house and send them a copy and they would take her name off. I did go and was told that my mother is not on the deed and you cant take someone off if their not on the deed. I went there to verify that she was not on anything relating to the house. I reached out to the bank and they put me in touch with their executive office after I said I was going to consult an attorney. That was in XXXX and still nothing has been resolved and to make matters worse they are charging me delinquent charges over {$4000.00}. They said it will go away once me and my mother sign the papers. I am current on my payments never being late. It is like they are forcing me to put my mother on the mortgage. I talked to them on XX/XX/XXXX and was told that they are working on my case they never reach out to me except letters telling me about my delinquent charges.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants' Credit Guide Company
State: TX

Complaint narrative:
Merchants Credit Guide Company is representing themselves as a debt collection company but is not disclosing information regarding this information and is using gorilla and scare tactics to collect debt that is not in collections and to acquire information on a consumer. I pulled my three credit reports and there is no collections and no new initiated lines of credit. They have called up to 6 times a day and left robot voice messages representing themselves as a debt collector. The phone number XXXX and they attempt to collect personal information without disclosing information regarding the reason of the communication or providing written communication regarding balances or the collecting agency. This is an attempt to transfer the crediting companies debt to allow them to collect interest on other parties credit.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-25 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: MS

Complaint narrative:
i have disputed a item on my credit report that is not my account also during my disputed all three credit bureau has violated many laws of the Fair Credit Reporting Act i also have sent a disputed letter to the creditor and i receive a letter stating that they no longer has ownership to this account but the credit bureau is reporting under the creditor name.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: MI

Complaint narrative:
This is related to the Public Service Loan Forgiveness ( PSLF ) and the US Department of Education. I have the usual complaints I am sure. Delayed responses. Inaccurate qualified payment count. Wrong employment start date. It seems like they should take the information required on the certification form, verify it and enter it into the system and that should be it. Instead it takes multiple phone calls and emails only to receive a generic response and then there is no follow up. I have been doing this for around 4 years now and in 4 years I have yet to receive an accurate update on my status.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I was left unemployed and unable to make any minimum payments back in XX/XX/2017 up until after XX/XX/XXXX when it was brought up to my attention that i was continuing to be assessed countless amounts of past due fee ( late ) and countless amounts of interest charges that basically brought me to an immense debt with Capital One. Then when i did finally get a job and made a rather larger payment of {$1000.00} ON XX/XX/XXXX when i had to borrow some money from my mother just so i would be able to somehow try and match the minimum payments. Up until recently i was trying to make payments to try and stay a float but recently had some unforeseen family issues as well as having to take time off from work with no pay i started ti get some membership fees as well as interest charges that are to high for me to even make a damper on the amount owed.

Company response to consumer: Closed with monetary relief