vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-27 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: MS

Complaint narrative:
transunion has reporting a negative item on my credit for the last few months, and i have tried to work with them concerning ( XXXX XXXX XXXX ), the account should be open and they has it reporting closed. i still have the automobile and are paying notes on my car that i purchase in XX/XX/2017.Please help me in resolving 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 2019-02-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
To Whom It May Concern : Thank you for taking the time to read this letter, and I hope your day is going well. Im writing because I noticed that my most recent credit report contains late payments reported on my credit report for my XXXX Credit Card account. 

I want you to know that I understand my financial obligations, and if it werent for unforeseen circumstances Id have an excellent repayment record. I made a mistake in falling behind, but since then, [ description of how your circumstances have changed or how youve improved your money management ]. Since then, Ive had a spotless record of on-time payments. 

Im planning to apply for apartment, and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payments. 

Thank you for your consideration, and I hope youll approve my request. 

Best, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
To Whom It May Concern : Thank you for taking the time to read this letter, and I hope your day is going well. Im writing because I noticed that my most recent credit report contains late payments reported on my credit report for my Capital One Credit Card account.

I want you to know that I understand my financial obligations, and if it werent for unforeseen circumstances Id have an excellent repayment record. I made a mistake in falling behind, but since then Ive had a spotless record of on-time payments. 

Im planning to apply for apartment, and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payments. 

Thank you for your consideration, and I hope youll approve my request. 

Best, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 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: CO

Complaint narrative:
I've tried to resolve this with XXXX and the credit bureaus but they still keep reporting it as a foreclosure when it is a good standing account. It is incorrectly reporting as a M-8 meaning mortgage foreclosure or repo. This is incorrect and the coding should be a M1, paid as agreed. Because of this, it is causing us financial distress and preventing us from purchasing a home. There was a loan modification but we have been on time since.

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 2019-02-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Finance LP
State: TX

Complaint narrative:
Borrower made several attempts for a loan modification with Selene Finance but was denied for insufficient income. Borrower requested in writing Selene Finance provide the income information used to make their determination. Selene Finance provided a written copy of the income they used to make their determination. Borrowers disputed the income used by Selene Finance to make their determination and requested in writing that Selene Finance provide a written explanation of how they arrived at the income used. Selene Finance has refused to respond to borrowers request and forwarded the file to their attorneys to begin foreclosure proceedings.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 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: TN

Complaint narrative:
Equifax is incorrectly reporting 120 days past due on XXXX - partial account number XXXX. This account has a {$0.00} balance and {$0.00} past due. It is impossible to be 120 days late on a loan that has a {$0.00} balance due. This error is having a negative impact on my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-27 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: FL

Complaint narrative:
I HAVE CONTACTED THIS BUREAU 4 TIMES IN THE LAST 6 MONTHS REGARDING AN ACCOUNT FROM XXXX XXXX ON MY REPORT THAT DOES NOT BELONG TO ME. I HAVE SENT DISPUTE AFTER DISPUTE IN THE LAST 6 MONTHS AND RECEIVED NO RESULTS IN THE MIAL OR ONLINE OR OVER THE PHONE. THEY ARE STILL REPORTING AN ACCOUNT THAT IS NOT MINE AND IT IS AFFECTING ME FROM OBTAINING CREDIT.

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 2019-02-27 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: GA

Complaint narrative:
I had contacted Transunion by phone on XX/XX/2019 to inquire why my score had dropped by 10 points. I was advised by XXXX XXXX that two of my credit card issuers had reported incorrect information on my credit report. XXXX XXXX stated that I should call the credit card companies and request that they report the correct information. My dispute nor my complaint was regarding balance details. 

The first credit card company XXXX XXXX XXXX had reported that a payment had not been made as of XX/XX/2019, and an available balance of XXXX. I had paid XXXX on XX/XX/2019 and the balance owed is currently XXXX, with an available balance of XXXX. I called XXXX XXXX XXXX and spoke with XXXX XXXX and asked that the report to Transunion be upgraded to reflect the correct information. 

I then called XXXX XXXX Bank and spoke with XXXX XXXX to request that Transunion be updated as well to reflect the correct information, and I was also informed of a card limit increase from XXXX to XXXX, and that XXXX XXXX submits its report on the XXXX of each month. My complaint is to challenge the payment history that is showing up that one account was late and both card company balances were incorrect. The following day on XX/XX/2019, I received another alert from XXXX   XXXX and XXXX XXXX that my score dropped again and I have a negative payment history from Transunion. 

The only activity on both cards is that I am paying them on time and before the due date each month. I called Transunion again to ask how my score went from a XXXX to a XXXX because of incorrect information. I was advised by XXXX XXXX that because I have two bankruptcies on my credit file that are over XXXX years old that is whats affecting my score as if I filed it 30 days ago. 

I am trying to rebuild my credit, but this apparently will not work if someone at Transunion keep using the Bankruptcy against me every 30 days not and looking at my payment history or card balances.

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 2019-02-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation
State: CA

Complaint narrative:
I owned a rent house in XXXX XXXX, CA that was sold in XX/XX/2018. The water company, XXXX XXXX was paid what they were owed prior to my leaving the United States on XX/XX/2018 and I am now living in XXXX XXXX. 

The water company wrongly sent me to a collection agency for a debt I did not own when the service was for XXXX when I no longer owned the property located at 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 2019-02-27 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
My wife and I sent an investigation request to the credit bureaus on XX/XX/XXXX. They were supposed to respond in 30 days, but have not. Our follow-up letter has also been ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX

Complaint narrative:
i tried to open hsbc cking acct, gave the wrong phone #, so i when in again. as i would not get that tx, When in to correct the phone # and app denied. I am tried of this bank pullls erroneous info on your cr bur. This is the 2nd time this happen. No other bank XXXX, XXXX, ask questions of erroneous info. I don't know where they get this XXXX from, I want this acct open and XXXX that comes wit it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 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: FL

Complaint narrative:
I HAVE CONTACTED THIS BUREAU 4 TIMES IN THE LAST 6 MONTHS REGARDING AN ACCOUNT FROM XXXX XXXX ON MY REPORT THAT DOES NOT BELONG TO ME. I HAVE SENT DISPUTE AFTER DISPUTE IN THE LAST 6 MONTHS AND RECEIVED NO RESULTS IN THE MIAL OR ONLINE OR OVER THE PHONE. THEY ARE STILL REPORTING AN ACCOUNT THAT IS NOT MINE AND IT IS AFFECTING ME FROM OBTAINING CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 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: FL

Complaint narrative:
I HAVE CONTACTED THIS BUREAU 4 TIMES IN THE LAST 6 MONTHS REGARDING AN ACCOUNT FROM XXXX XXXXT ON MY REPORT THAT DOES NOT BELONG TO ME. I HAVE SENT DISPUTE AFTER DISPUTE IN THE LAST 6 MONTHS AND RECEIVED NO RESULTS IN THE MIAL OR ONLINE OR OVER THE PHONE. THEY ARE STILL REPORTING AN ACCOUNT THAT IS NOT MINE AND IT IS AFFECTING ME FROM OBTAINING CREDIT.

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 2019-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX is a utility company that I applied for over 7 years ago. I always thought I never had this utility company 's services until it showed up on my credit report. As far as I knew they didn't approve my application because I needed to put a big deposit down to start the service.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX XXXX was removed from my Transunion Credit Report. For some odd reason, this account showed up on my Transunion Credit Report on XX/XX/XXXX without any communication from the credit bureau. 

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 2019-02-27 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
My wife and I sent an investigation request to the credit bureaus on XX/XX/XXXX. They were supposed to respond in 30 days, but have not. Our follow-up letter has also been ignored.

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 2019-02-27 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
My wife and I sent an investigation request to the credit bureaus on XX/XX/XXXX. They were supposed to respond in 30 days, but have not. Our follow-up letter has also been ignored.

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 2019-02-27 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: WESTERN UNION COMPANY, THE
State: TN

Complaint narrative:
I purchased a money order while out of town in XXXX, Georgia to payment my car payment for {$550.00} from XXXX 's on XXXX XXXX XXXX. The money order was lost in the mail. In XX/XX/XXXX I sent them the required paper documents to XXXX XXXX in XXXX, Colorado but they said they did not get it. I send it to them again by email and they send me back a copy of the money order showing who cashed it. I would like my money please!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I used my Wells Fargo debut card at a third party atm for {$200.00} plus a {$7.00} transaction fee in mid XX/XX/XXXX. The atm declined my transaction and stated i had reached my daily limit for withdrawals. Upon checking my online banking on XX/XX/XXXX, my account statement showed that I had been debited for the {$200.00}. I filed a claim with Wells Fargo and was given a credit several days later. Roughly a month later I received a notification that the credit had been made permanent and their investigation was decided in my favor. On XX/XX/XXXX, {$200.00} was debit from my account and Wells Fargo is now telling me that theyve decided that Im responsible for the transaction. I received no notification of any reversal. No letter in the mail, no electronic notification of any kind. Wells Fargo does not honor their policy of account protection and has told me that its now my responsibility to go after the ATM owner. Its also worth noting that at the time of this transaction, Wells Fargo was experiencing severe atm issues and double debits were happening frequently. The company corrected the majority of those, but they take no responsibility for this error.

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 2019-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/2019, several transactions occurred on my checking account that I did not authorize. I filed a claim with Capital One and they denied it. I did not make any of these transactions and I need my money back. 

XXXX {$87.00} XXXX  XXXX {$160.00} XXXX  XXXX XXXX {$58.00} XXXX XXXX {$150.00} ATM WithdrawalCAPITAL ONE {$200.00} ATM WithdrawalCAPITAL ONE {$800.00} TOTAL - {$1400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: TMX Finance LLC
State: GA

Complaint narrative:
They called someone and told them I had a title loan and my payment was due. It costed me my marriage and income. they are on my recorder, saying how sorry they was for doing it, but now the damage is done. Because of this my truck is being repo by XXXX. 
If they would not have broke thier confindentalaility contract agreement I would have My truck paid off with them, but instead they are repossing my truck. 
So unfair

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
All three credit bureaus, Transunion, XXXX, and XXXX  are reporting false and inaccurate information about a public Record Bankruptcy on my credit report. 
Each Bureau does not report The Status, the Date Paid, the amount, or Plaintiff. The Court number is inaccurate. It shows no accounts included in bankruptcy. Some show no discharge date or inaccurate discharge date. 

I sent several letters to clear up this matter with them saying the information is accurate but they Have not provided me who they verified this information with. The courts themselves do not furnish this information to any credit Bureau or any third party agency.

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 2019-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Back in XXXX I pruchased a product from XXXX XXXX XXXX ( appliance ). It was a defective product which they refused to correct so I sued them in Small claims court and won judgement in XXXX. Part of the courts ruling was that I was not liable or responsible for the remainder of balance. Although the terms of contract became null and void, XXXX 's showed it as a charge off on my credit. This was back in XXXX and Experian keeps showing negative on my credit report even though I have disputed this negative report. Because of this XXXX XXXX has lowered my credit limit.

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 2019-02-27 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: WI

Complaint narrative:
I have called on sereveral occasion, s credit one would not fix the problem. They illegally charge off on our accounts after filing for section128-21 in the stat of Wisconsin. I spoke with there collection dept 2 days before they sent it to a collection agency.they agent told me they did not agree to the court order. And did not have to follow the Wisconsin law.he told me every state is different. I live in Wisconsin and was given the card in Wisconsin so they have to follow the law.payments were made to credit on per our court order in XXXX of 2018, XXXX XXXX and XXXX all of 2018 Thur the trustee. They charged of the account after the payments were made. They sent the accounts to XXXX XXXX  and broke the law. We filed XXXX of 2018. And all the creditors were notified. They need to remove our accounts. They were paid by the agency.this company has a lot of complaints and should be closed. They take advantage of 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