vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-30 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: KY

Complaint narrative:
Since my divorce in XX/XX/XXXX I have been scrupulously diligent in paying my bills on time. Only once in the past five years has a bill been over 30 past due and after calling the creditor ( XXXX XXXX ) it was found that an error had been made and they corrected it the next month. Recently my wife ( who had been paying the XXXX 's bill because she had purchased XX/XX/XXXX gifts for me ) missed XX/XX/XXXX payment and I promptly paid it. ( approximately 35 days after the due date ). I called XXXX 's at the time and they could offer no help in rescinding the credit report filing. 
I assumed that my current credit scores ( XXXX, XXXX, XXXXXXXX  ) would drop about 20-30 points at most. My current scores according to my XXXX XXXX account are ( XXXX, XXXX, XXXX ). An aggregate drop of 86 points across all three major reporting agencies. 
I understand it is my responsibility to pay my bills on time. As is evidenced in the Identity Guard credit score report attached there is only ONE late payment in the past two years ( all the further back I could go with their system ) I feel that this significant of a drop in my scores is at best an error on credit bureaus part and at worst a malicious and damaging attack on my financial well being.

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 2018-11-30 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: KY

Complaint narrative:
Since my divorce in XXXX I have been scrupulously diligent in paying my bills on time. Only once in the past five years has a bill been over 30 past due and after calling the creditor ( XXXX XXXX ) it was found that an error had been made and they corrected it the next month. Recently my wife ( who had been paying the XXXX 's bill because she had purchased XXXX XXXX gifts for me ) missed XX/XX/XXXX payment and I promptly paid it. ( approximately 35 days after the due date ). I called XXXX 's at the time and they could offer no help in rescinding the credit report filing. 
I assumed that my current credit scores ( XXXX, XXXX, XXXX ) would drop about 20-30 points at most. My current scores according to my XXXX XXXX account are ( XXXX, XXXX, XXXX ). An aggregate drop of 86 points across all three major reporting agencies. 
I understand it is my responsibility to pay my bills on time. As is evidenced in the XXXX XXXX credit score report attached there is only ONE late payment in the past two years ( all the further back I could go with their system ) I feel that this significant of a drop in my scores is at best an error on credit bureaus part and at worst a malicious and damaging attack on my financial well being.

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 2018-11-30 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: LA

Complaint narrative:
Trans Union is reporting that I am late on child support every month. That is not true. My child support is drafted out of my check every month. I have disputed this error with Trans Union, but they are still reporting it on my credit. I contacted the Attorney Generals office and they confirmed that I am not late on any child support

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 2018-11-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: UT

Complaint narrative:
Sent them a Debt validation letter and they never responded back they have no authorization to report anything on my credit reports.

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 2018-11-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
Capital one was paid {$3000.00} from a loan I took from XXXX XXXX. This was overnighted by the bank on XX/XX/XXXX. In addition, I paid {$100.00} on XX/XX/XXXX. This overpaid the balance due by {$250.00}. I closed the account at that time. Capital One 's own statement shows XXXX. To date they have NEVER refunded the money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Applied Resolutions Group
State: CA

Complaint narrative:
Calls non stop starting from XX/XX/XXXX to XX/XX/XXXX with multiple calls to my employer after I told him on XX/XX/XXXX to stop calling me and my employer. I stated " You can stop debt collectors from calling you at work fairly easily. Simply tell the debt collector that your employer doesn't want them calling your job or that you're not allowed to receive personal calls at work and they are legally required to stop calling you. " He then proceeded to call me back and left the following voice message which I have saved. 

" XXXX XXXX, XXXX, contact XXXX in your human resources department, she will give you a update, good luck to you '' Call comes from :XXXX File Number XXXX Sounds like a XXXX XXXX. I have voice messages saved. 


Email received from employer : From : XXXX XXXX Sent : Monday, XX/XX/XXXX XXXX XXXX To : XXXX XXXX XXXX Subject : Heads Up Hi XXXX Just a heads up Applied Resolutions Group left me a vm regarding a XXXX XXXX XXXX I looked them up and they are shady. 
I didnt get a name, but the number he called from was XXXX. 

http : XXXX https : //complaintsdatabase.com/complaints/index/Applied+Resolutions+Group I dont intend to call them back, but I do recommend telling them that you can not accept these calls to call the office. 

You can stop debt collectors from calling you at work fairly easily. Simply tell the debt collector that your employer doesn't want them calling your job or that you're not allowed to receive personal calls at work and they are legally required to stop calling you. 

For me Your employer can not legally refuse verification of employment status to a creditor. However, they are not required to include any additional information beyond your job status, location of employment, and current insurance benefits XXXX if your debt is medical in nature ). 





Thank you, XXXX XXXX Ph : XXXX XXXX Fax : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
I signed up for a checking account from Citibank with promo code XXXX. The terms were to deposit $ XXXX and keep it in the account for 60 days, then they had 90 days to pay out the {$400.00} bonus. The 90 days are up and I am not confident in this bank following through with the bonus. 

I opened the account XX/XX/XXXX and deposited {$30.00} as soon as I was able to I deposited {$15000.00} on XX/XX/XXXX and took $ XXXX out on XX/XX/XXXX. The 90 days has expired to pay the bonus, I have chatted 3 times online and it appears they just tell me to check back. The last time they gave me a number to call and fill a bonus resolution, which is where this is right now. I don't have confidence they will follow through as I have looked online and they have a history of these bad business practices.

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 monetary relief
Consumer complaint received 2018-11-30 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: LA

Complaint narrative:
XXXX XXXX is reporting that I am late on child support every month. That is not true. My child support is drafted out of my check every month. I have disputed this error with XXXX XXXX, but they are still reporting it on my credit. I contacted the Attorney Generals office and they confirmed that I am not late on any child support

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
This company called be multiple times until I changed my number. I don't owe this money as I stated with the original creditor I didn't open any XXXX XXXX cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
My mother-in-law sent money from her account with XXXX through XXXX to my account with Bank of America that was never received. I used the phone number XXXX that was linked to my XXXX account and my Bank of America account. I received a message and a confirmation number to find the funds. The bank kept stalling telling us to wait. My mother-in-law filed a claim with her bank to retrieve the money. They gave her the transaction number and the name of the person 's account it went into. We took the information to the bank and they told us that they can't go into someone's account and get the money back even though we have proof of thwhere the money was suppose to go, transaction number, and confirmation number. It was a mistake made by the bank and we are not getting any help to get the money back. They keep referring me to her, telling her bank to file a complaint and we've already done that. The amount lost was {$410.00}.

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 2018-11-30 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: AES/PHEAA
State: FL

Complaint narrative:
Had difficulty contacting student loan grantor to submit forbearance/deferment request and representative at my college institution was not properly assisting me in getting the forbearance/deferment request submitted. I initially tried to contact school and loan grantor to set up arrangement in XX/XX/2018 and did not manage to get forbearance/deferment completed, accepted and posted until XX/XX/2018. Due to this the loan grantor reported on my credit that i was delinquent on each student loan debt as the full amount is currently broken up into parts on my credit report. The forbearance/deferment request was accepted and on my credit is says that i was late to make the payments however this was not due to my own negligence but rather was due to the loan grantor and school not assisting me in a timely manner to get the request processed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I deposited a check into my bank account on XX/XX/18 for {$3600.00} which is from my auto insurance company for damages to my vehicle. Initially it showed it would be available the next day shortly there after, I got an email that it was on hold until XX/XX/18. I need to get my car fixed and it should not take this long to verify funds for a this type of check from an insurance company. I spoke to a customer service rep on XX/XX/XXXX which she didn't give a clear answer on why the hold. And even if so, they should at least give the option to cancel the deposit so I could take it to the bank it is drawn off of and have the check cashed by them.

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 2018-11-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SUNTRUST BANKS, INC.
State: TX

Complaint narrative:
RESPA VIOLATION. I have requested SunTrust to supply original loan documents under my legal rights. A representative of SunTrust signed for my written request and as of today 's date I have not received my QWR AND RFI. The response was the have not had my loan for 13 years and I signed the '' fraudulent '' documents. The actions of SunTrust broker is costing me financially. I am asking for CFBP TO enforce my RESPA RIGHTS. I NEED the original HUD Forms. GFE, and documents broker XXXX XXXX sent to XXXX XXXX regarding my SunTrust mortgage approval.

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 2018-11-30 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 — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I recently applied for a car loan and the place of business has indicated they can not find my credit report on Experian. I have contacted them several times they informed me they have two systems. One which shows no credit history and a back system that has my information. The credit union in which I am applying for the loan through says my report continues to say that I have not credit. The program they use will not access the backup Experian system. This is taking too long to fix, as this is not a problem I have caused, but one on Experian 's side. The lack of communication and not being able to proceed with the car purchase is unacceptable on there part.

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 2018-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
The TransUnion credit freeze website has been down since yesterday XX/XX/18. I have checked multiple times on the status of the credit freeze site and it is still down. It makes no sense for a law to be passed for free credit freezes if it is impossible to access the site to freeze your 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 2018-11-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P.
State: IL

Complaint narrative:
XX/XX/2018 : A debt collector has reached out to me via phone to collect a debt for XXXX from 5-1/2 years ago. There has been no prior billing for this fee. I asked them for written verification of the details of what this bill is for and they stated that they could not provide but I needed to pay the bill. 
XX/XX/2018 : Received a USPS mail communication dated XX/XX/18 providing the requested information. Attached was a bill from XXXX showing a payment received of {$360.00} with a balance due of {$140.00} from XX/XX/18. 
XX/XX/18 : called Southwest Credti at XXXX and spoke to XXXX XXXX. She reviewed the collection and was not notified in her system of a 5 year statute of limitation in Illinois and they have a policy not to dismiss any debts. I asked her to verify that they would no longer be contacting me on this debt and she agreed. She then told me she would transfer me to the Executive Relations Manager as I told her I was filing a claim with the CFPB. I was put on hold for several minutes and then directed into a voice mail for the Executive Relations Manager. I did not leave a message.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30 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: FL

Complaint narrative:
Had difficulty contacting student loan grantor to submit forbearance/deferment request and representative at my college institution was not properly assisting me in getting the forbearance/deferment request submitted. I initially tried to contact school and loan grantor to set up arrangement in XX/XX/2018 and did not manage to get forbearance/deferment completed, accepted and posted until XX/XX/2018. Due to this the loan grantor reported on my credit that i was delinquent on each student loan debt as the full amount is currently broken up into parts on my credit report. The forbearance/deferment request was accepted and on my credit is says that i was late to make the payments however this was not due to my own negligence but rather was due to the loan grantor and school not assisting me in a timely manner to get the request processed.

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 2018-11-30 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Had difficulty contacting student loan grantor to submit forbearance/deferment request and representative at my college institution was not properly assisting me in getting the forbearance/deferment request submitted. I initially tried to contact school and loan grantor to set up arrangement in XX/XX/2018 and did not manage to get forbearance/deferment completed, accepted and posted until XX/XX/2018. Due to this the loan grantor reported on my credit that i was delinquent on each student loan debt as the full amount is currently broken up into parts on my credit report. The forbearance/deferment request was accepted and on my credit is says that i was late to make the payments however this was not due to my own negligence but rather was due to the loan grantor and school not assisting me in a timely manner to get the request processed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30 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: FL

Complaint narrative:
Had difficulty contacting student loan grantor to submit forbearance/deferment request and representative at my college institution was not properly assisting me in getting the forbearance/deferment request submitted. I initially tried to contact school and loan grantor to set up arrangement in XX/XX/2018 and did not manage to get forbearance/deferment completed, accepted and posted until XX/XX/2018. Due to this the loan grantor reported on my credit that i was delinquent on each student loan debt as the full amount is currently broken up into parts on my credit report. The forbearance/deferment request was accepted and on my credit is says that i was late to make the payments however this was not due to my own negligence but rather was due to the loan grantor and school not assisting me in a timely manner to get the request processed.

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 2018-11-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
In XXXX, I went on a celebrity cruise and used a next cruise certificate that I had purchased 5 years ago on a XXXX American Express. The advantage of using the next cruise certificate is that Id be receiving a XXXX credit. Unfortunately the credit went to the XXXX amx which hadnt been valid for 3 years. They accepted the XXXX on my behalf so, celebrity was unable to reverse the charge. Apparently on XX/XX/XXXX amx transferred my XXXX credit to my current XXXX visa who has no record of receiving this amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30 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: AL

Complaint narrative:
m writing this complaint as my second complaint against both Transunion and XXXX  credit bureaus because I have noticed a incorrect fraudulent bankruptcy that is reporting on my credit file within their bureaus and I have asked for them to dispute the information and to ultimately remove this information from my credit report. I have been informed by both bureaus that they have received their information from XXXX XXXX and they claim that they have verify this information. I have been in contact with XXXX and have recently discovered that my file is frozen and has no information to report as well as they have not had an inquiry done by these credit bureaus. I am requesting that they eat mediately remove the chapter XXXX bankruptcy that is reporting on my credit files with in their bureaus immediately. Power of the federal credit reporting act this is a violation and it prevents me from furthering my credit score which I am entitled to do as a consumer, my information should be correct and report it correctly, I should not have to fight with these barrels for over six months to remove something fraudulently when there is already a police report in my file.

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