vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-28 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: GU

Complaint narrative:
On XX/XX/XXXX, I received a letter from XXXX XXXX XXXX reference CFPB case # XXXX. The bank stated there was insufficient funds in my checking account on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, to pay my car loan. My XXXX XXXX XXXX  auto loan is routinely paid by monthly automatic debit from my XXXX checking account on the XXXX XXXX XXXX XXXX   XXXX. In this complaint, I provide a copy of my bank statement which shows that my checking account balance on the XXXX of XX/XX/XXXX was more than {$1000.00}. My direct deposit of {$3400.00} was deposited on XX/XX/XXXX and dwindled to {$1000.00} by the morning of XX/XX/XXXX. By the end of the day on XX/XX/XXXX, My checking account balance stood at {$630.00}. The bank had ample time to deduct the {$500.00} automatic debit to pay my Auto loan. The balance in my checking exceeded {$500.00}. 

On the morning of XX/XX/XXXX, a second direct deposit of {$1700.00} was deposited into my XXXX checking account bringing the total amount of funds available to {$2400.00}. From XX/XX/XXXX until XX/XX/XXXX, my XXXX checking account balance remained between {$730.00} to {$2400.00}. The bank again had ample time to deduct {$500.00} to pay the auto loan since my account balance exceeded {$500.00}. 

On the morning of XX/XX/XXXX, my bank statement shows a balance of {$2100.00}. The bank again failed to withdraw {$500.00} to pay my XXXX car loan. On XX/XX/XXXX, a second direct deposit of {$1700.00} was deposited to my XXXX   checking bringing the total balance to {$1800.00}. From XX/XX/XXXX until XX/XX/XXXX, My XXXX checking balance remained between {$560.00} and {$2100.00}. Between XX/XX/XXXX and XXXX, the bank had ample time to deduct the {$500.00} automatic debit to pay my Auto loan. Upon realizing the banks error, I immediately made two payments of {$500.00} on my XXXX Auto loan. 

The bank negligently failed to initiated the approved automatic debit to pay my auto loan, although funds were clearly available, and then made a false late payment report to the three credit bureaus. I want XXXX  XXXX XXXX to immediately remove the false late payment from my Auto loan payment history and to restore my excellent payment history to the three credit bureaus. My attached bank statement is evidence above and beyond a reasonable doubt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pinnacle Credit Services, LLC
State: CA

Complaint narrative:
This alleged debt came to my attention when I was reviewing my credit report as I rarely apply for any credit and was unaware of this negative account. I did file a dispute directly to " Pinnacle Credit Services '', as well as, XXXX XXXX whom initially created this account for someone other than myself. I have never recive any documentation or validation of the account from either Pinnacle Credit Services or XXXX XXXX. Please validated this account as follows : 1. Any and all documentation supporting these creditors claim, including, but not limited to, the contract creating the obligation and any and all statements or invoices created as a result of this account.

2. The nature, date, and amount of the alleged debt. 
3. The current balance you claim is owed.

4. The name, address, and telephone number of the original creditor and applicant that applied for this account.

This ( 1 ) account is being posted as ( 2 ) negative entires on my XXXX and XXXX account by both Pinnacle Credit Services and again by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28 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: OH

Complaint narrative:
Keep saying accounts remove from my credit profile. But its still showing accounts on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28 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:
The services youve provided is unprofessional. Time and time again Ive attempted to resolve the issue of your company ignoring my certified letters, hanging up the phone done by your supervisors, ignoring my rights as a consumer. I have mailed off previous cretified letters to find out that they were loss and this is the third and final letter.

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 2018-02-28 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:
The services youve provided is unprofessional. Time and time again Ive attempted to resolve the issue of your company ignoring my certified letters, hanging up the phone done by your supervisors, ignoring my rights as a consumer. I have mailed off previous cretified letters to find out that they were loss and this is the third and final letter.

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 2018-02-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I didn't receive bills in mail, never got a card, and they had wrong address, i checked my score, seen the late payments, i called immediately & payed off the full balance with the promise they'll remove late payment credit reports im XXXX and understand the true value of my credit and do not wish to jeopardize it in any way. 

i appreciate any and all assistance

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 2018-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
Keep saying accounts remove from my credit profile. But its still showing accounts on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28 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: GA

Complaint narrative:
I am submitting additional evidence for a current complaint that is under investigation. XXXX. As stated before on XX/XX/XXXX my Equifax svore dropped XXXX  points. As a result of them removing my XXXX XXXX XXXX account from my credit report. This was done without my request or authorization. Since then I've been checking my credit more often. And to my dismay, Equifax has continued to re submit the same false statement on my report. They've adjusted the dates. I checked my XXXX  report. For reference as to what my actual report should look like. And their information is correct. Equifax has blamed XXXX XXXX for the false statements on my report. The fact that, i can check my transunion on XXXX XXXX and their information is accurate. Shows that the fault is clearly with equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28 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 previously disputed with the credit reporting agencies and also filed previous compliants in refrence to XXXX XXXX XXXX and the alleged alligations that was being reported on my credit profile. The credit reporting agencies stated that they had verified the account and to contact the data provider in refrence to the alleged alligations to aquire physical proof. I have made several attempts to contact XXXX XXXX XXXX AND THEY HAVE FAILED to respond to my letter ( section 609 ). Im submitting physical proof of my attempts and also successful delivary of my letter to the data provider, per section 609 states if the creditor failed to validate the debt within 30 days it must be deleted. My letter sent was CLEAR as to what I was requesting. To provide me with physical proof to the alleged alligations being reported or DELETE IMMEDIATELY.

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 2018-02-28 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
I am writing to you to request that you remove the following unauthorized inquiry from my credit report. 
XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX BYMAILONLY

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 2018-02-28 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 previously disputed with the credit reporting agencies and also filed previous compliants in refrence to XXXX XXXX XXXX and the alleged alligations that was being reported on my credit profile. The credit reporting agencies stated that they had verified the account and to contact the data provider in refrence to the alleged alligations to aquire physical proof. I have made several attempts to contact XXXX XXXX XXXX AND THEY HAVE FAILED to respond to my letter ( section 609 ). Im submitting physical proof of my attempts and also successful delivary of my letter to the data provider, per section 609 states if the creditor failed to validate the debt within 30 days it must be deleted. My letter sent was CLEAR as to what I was requesting. To provide me with physical proof to the alleged alligations being reported or DELETE IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have discussed these issues for over a year with all three agencys with no avail.!!! 

Please note, I have sent in letters from agencies that have requested these agencies to take this old information off my reports. 

They will take them off then a month later put them back on even when companies have requested them to take them off. 

Each time these agencies re apply these to my reports without knowledge of deptors or myself, it severely damages my credit I have worked so hard to re build. I am requesting that adverse action be taken immediately against Experian, XXXX, and XXXX and have them take them fix these issues.

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 2018-02-28 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: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I am writing to you to request that you remove the following unauthorized inquiry ( ies ) from my credit report : SANTANDER BANK NA XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, MA 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 2018-02-28 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: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I am writing to you to request that you remove the following unauthorized inquiry ( ies ) from my credit report : XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, FL 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 2018-02-28 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Messerli & Kramer P.A.
State: MN

Complaint narrative:
I am currently a resident of the State of XXXX .. I arrived in XX/XX/XXXX in the State of XXXX where I entered from my country XXXX XXXX for the year XX/XX/XXXX. I decided to move to be close to my older children and their family. But to help him with his family .. I was going to join the United States XXXX from there we decided to stay since XX/XX/XXXX in XXXX. Approximately two years ago I started receiving collections from the Messerli & Kramer PA Collection on a debt with XXXX XXXX XXXX. I did not know what it was and decided to call him. To my surprise a large amount that I did not borrow from that Bank. If I informed them that it was my Bank when I lived in XXXX and that was where I received my direct deposit where I worked in XXXX. I think that I failed to close that account because the time passed and they started on money orders for account maintenance. months until they found me. And I did not know about that .. So I tried to express it and it was traumatic threatening their communication .. I had never lived something so even my little children panicked we lived in the process of adapting to a change ... that arrives XX/XX/XXXX I do not have life of threatening letters and in a difficult situation .. Arriving at a new place starting from Zero and you are person that with his Threat I got totally out of control .. I decide two years ago to make a payment plan without economic power as required Obligated accept your terms offered me to be the impossible to try to cover that debt .. But I can not continue many expenses and an economic inetainability muer you a relative in country. And among others like the current condition of my daughter that stopped me from continuing to work continuously. To try to free myself from those people. My interest was never negative when it was not my intention caused to fall into that Debt. I've been with these people for some time threatening through letters I can not anymore. I am not working they are asking for federal state x 3 years which I can supply. Where the little that the State worked last year I remove it for payment of medical bills that I could not pay .. I do not understand its way of understanding before my situation. I have been doing this for a long time and that is why I appeal to you. Let 's  see how they help. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have discussed these issues for over a year with all three agencys with no avail.!!! 

Please note, I have sent in letters from agencies that have requested these agencies to take this old information off my reports. 

They will take them off then a month later put them back on even when companies have requested them to take them off. 

Each time these agencies re apply these to my reports without knowledge of deptors or myself, it severely damages my credit I have worked so hard to re build. I am requesting that adverse action be taken immediately against XXXX, XXXX, and Equifax and have them take them fix these issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28 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:
On XX/XX/XXXX, while I was in a natural disaster forbearance period with XXXX XXXX XXXX, they reported my account 90 days past due to all 3 credit reporting agencies. I reported it to them and they told me that it would be resolved and that the reporting was incorrect. On XX/XX/XXXX, I noticed that it had still not been corrected. I was trying to close on a loan on XX/XX/XXXX and my score was about 100-150 points lower than it should have been due to this incorrect reporting and would significantly impact my loan rate, costs and monthly PMI. I called XXXX XXXX once again to have them correct this and was assured that it would be corrected on the XX/XX/XXXX update. I looked at my report on XX/XX/XXXX and it had not been updated. XXXX XXXX finally submitted the update on that day, as well, they gave me a letter detailing that the reporting was incorrect so that I could provide it to my credit reporting agencies to address the problem. XXXX and XXXX XXXX corrected the inaccuracy by XX/XX/XXXX, but Equifax refused. I spoke to several representatives from both Equifax and XXXX XXXX to resolve prior to our closing and it was never corrected. As a result, my loan rate was much higher, I am locked in to a higher PMI and had to pay higher closing costs.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28 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: U.S. BANCORP
State: FL

Complaint narrative:
On XX/XX/XXXX, while I was in a natural disaster forbearance period with US Bank Mortgage, they reported my account 90 days past due to all 3 credit reporting agencies. I reported it to them and they told me that it would be resolved and that the reporting was incorrect. On XX/XX/XXXX, I noticed that it had still not been corrected. I was trying to close on a loan on XX/XX/XXXX and my score was about 100-150 points lower than it should have been due to this incorrect reporting and would significantly impact my loan rate, costs and monthly PMI. I called US Bank once again to have them correct this and was assured that it would be corrected on the XX/XX/XXXX update. I looked at my report on XX/XX/XXXX and it had not been updated. US Bank finally submitted the update on that day, as well, they gave me a letter detailing that the reporting was incorrect so that I could provide it to my credit reporting agencies to address the problem. XXXX and XXXX XXXX corrected the inaccuracy by XX/XX/XXXX, but XXXX refused based upon the existing letter. I spoke to several representatives from both XXXX and US Bank to resolve prior to our closing and it was never corrected. As a result, my loan rate was much higher, I am locked in to a higher PMI and had to pay higher closing costs.

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 2018-02-28 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd
State: OR

Complaint narrative:
I used this service many times and had good results. Then one day they cancelled my account, refused to tell me the reason and will not send me my transaction record. I have contacted them many many times and always same answer, that its a secret why they cancelled me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation