vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-15 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: TN

Complaint narrative:
XXXX  ; XXXX  and Transunion should not be reporting that I am ( 30-60 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-09-15 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: TN

Complaint narrative:
XXXX ; Experian and XXXX should not be reporting that I am ( 30-60 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-09-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am the victim of identity theft. Report XXXX I filed a report with the police department I also contacted the credit bureaus in particular TRANSUNION what I received was an incomplete investigation under thirty days and a response that states this Ironeous debt from heritage was verified. 
I questioned there verification process and I believe I am being ignored I asked for an original signature neither TRANSUNION or the creditor heritage can provide me with a copy of the original signature and or even the original credit application this leads me to believe TransUnion did not validate this debt as mine and they refuse to delete it from my report this has caused me more XXXX  and I am already ill. 
I have a police report that was filed, I have been ill in the past and I did not always check my credit until recently nevertheless I should not have to go thru this and more evidence needs to be completely documented with actual proof. My rights are being violated under section623 and I have no choice but to seek legal Action. 
And with covid it was difficult to get out and file a report sooner due to the pandemic as I checked my report as a whim and recently saw this on my 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 2020-09-15 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: Prosper Marketplace, Inc.
State: GA

Complaint narrative:
I, unfortunately, had to file bankruptcy in 2015. One of the accounts included was a Prosper Marketplace Loan. I have disputed the way they are reporting on numerous occasions ( at least 6 ). They report to XXXX monthly that the account is charged off with a balance and payment is late. They report to XXXX the account is charged off no further action, no monthly updates because it was included in a bankruptcy. I understand the item will remain on my credit for two additional years, however, it is my understanding they are not allowed to continuously show a balance and late payment I am working extremely hard to repair my credit, it is very discouraging to have my score drop every month when they report me as late. over the last five years, I have not missed one payment for any company and paid off some that were in the 2015 bankruptcy.

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 2020-09-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R & B Corporation of Virginia
State: CA

Complaint narrative:
I started a landline phone and internet service with XXXX XXXX on behalf of my XXXX year old father who lives alone on XX/XX/2020. I was remodeling the home where my father lives along with several other subcontractors. XXXX failed to complete the installation for the internet that was never used. The landline had spotty reception at best. The installer for XXXX told me he was going to " Check on the signal '' but he never returned to complete the installation. 

I called XXXX the next day to ask why he didn't finish and that i needed somone to return to complete the installation ASAP. They told me I had to pay {$75.00} for a service call! 

I told them this was not acceptable. Your installed never comleted the installation. 

I got a letter from a collection agency Credit Control Corp in XXXX XXXX Virginia asking me to dispute verify or dispute this account. I sent the a letter dated XXXX XXXX telling them about this situation with XXXX and that i never signed a finish work order because the work was never completed. I asked for validation of the debt and a signed work order. 

On XX/XX/XXXX ( Post marked ) almost two months later the only thing Credit Control Corp sent me was phone calls my father made mostly to me complaining the phone service was terrible and XXXX XXXX never completed the installation of the internet. 

I called Credit Control Corp today XXXX and they refuse to consider XXXX XXXX did anything wrong or should provide any further proof of this installation not being completed. 

Credit Control Corp can't send me validation the debt exists or the work was performed. I have 5 sub contractors who werre working at that house that day who can verify everything i say here. I made it clear my father needs service and i am willing to pay after installation and service that works properly.

It took almost two months of my credit being negatively effected for Credit Control Corp sent a letter back that proves nothing but negligence from their client. They wasted no time at all to ding my credit but took their time to prove the debt should exist. 

I never signed any work order for completion. Credit Control Corp should remove this from my credit report now.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION
State: MO

Complaint narrative:
Hi, So I owe about {$25000.00} to Sallie Mae for my student loans. I pay about $ XXXX {$200.00} extra on my student loans every month and recently noticed that these extra payments were not being applied to my principal. I reached out to a sallie mae representative via their messaging system and inquired about how I could get my extra payments applied to principal only. The rep advised that payments are applied first to interest and fees and then to principal. I told him that I pay extra towards my loans every month and do not ever see a reduction to principal when I submit the extra payments. He said there is no way to have a payment applied as principal only. 

So with this information I have found that my extra payments roll over to the next month which leads to me being charged more interest than necessary since there is not a reduction to principal with the extra amount I am paying. 

In my opinion, this is criminal and should not be allowed to continue. I am trying my best to pay these loans off early to save myself money, however, after finding out that sallie mae is trying to make as much money off of me as they can, I see no incentive to continue making extra payments. How are any students, especially those who are unaware of what sallie mae is doing, supposed to pay their loans off in a reasonable amount of time? 

Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated
State: TN

Complaint narrative:
I havent received my Way2Go card in the mail yet and already submitted an other complaint and they resolved it by sending me another card that will be here tomorrow but I was wondering if I could get you all to rather just take the balance thats on my Way2Go card and deposit it into my direct deposit account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX ( Mailing Address ) XXXX XX/XX/XXXX Bank of America Re : Reconsideration of Secured Credit Card Good Day, Ive been a customer with Bank of America since XX/XX/XXXX. 

I would like for youll to reconsider my application for a Secured Credit Card I applied for on XX/XX/XXXX and Declined on XX/XX/XXXX. The reason for my decline is not accurate as was noted on the decline letter. 

On XX/XX/XXXX I pulled my credit report from all three credit reporting agencies and it shows I do not have an open Bankruptcy and there are no claims open. Both of the cases listed on public record were dismissed in XXXX and XXXX. 

Also, its not accurate that I was attempting to file for Bankruptcy. Im not sure where this information was obtained but it was not from my credit report. Please provide me with detailed information on where this information was obtained. 

Im attaching a copy of my credit report from XXXX that was pulled from all three CRA Im attaching a copy of BOTH ORDERS from Bankruptcy court that both cases were closed 4-5 years ago Again, please reconsider my request for a Secure Credit Card with Bank of America. 
Thank you, 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 2020-09-15 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ). It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2020-09-15 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ). It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
CHASE HAS ALREADY RECEIVED ALL OF THE 4 ATTACHMENTS WITH NO POSITIVE RESULTS AS OF THIS COMPLAINT : ATTACHMENT 3 - SEE CHASE  ONLINE BANKING FOR THE DATES MENTIONED IN DISPUTE TIMELINE ( CHASE VERY UNTIMELY IN RESPONSES ). ESPECIALLY ... ... 
XX/XX/20 RESPONSE FROM CHASE THAT STATED THAT HOLD HARMLESS LETTER WAS NEEDED BY XXXX XXXX XXXX ( XXXX ). SEEMS THIS HHL WAS NOT SUBMITTED TO XXXX XXXX XXXX AS WELL AS THE XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: MD

Complaint narrative:
In XX/XX/2017 we changed cell phone providers from XXXX to XXXX. During the 14 day return policy we switched back to XXXX and returned the phones to XXXX. After a month or two received a bill from XXXX regarding the cell phones not being returned to the XXXX XXXX store in XXXX MD. I called the store and asked them about the phones in which they proceeded to say were not returned. I asked to see the camera footage and spoke with the manager of the store who advised me that they could not let me see this video to prove that the phones were returned.I then started calling XXXX XXXX for 6 or 7 months to find out where the phones were after they told me they were investigating they never found the phones and nothing was done to the store to reprimand or make sure that corporate could see the footage. Now XXXX XXXX has sent me to collections with Enhanced Recovery for {$1300.00}. XXXX XXXX  has on record numerous calls made by me to resolve the issue after it happened and has sold the debt to enhanced recovery which is not owed. There is no bill for the acct other then the phones that were returned and were lost or misplaced by XXXX XXXX. I tried both store and corporate to get the issue resolved and still is showing on my credit report for something I did not owe and was returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Schools First federal credit union. On XX/XX/XXXX I made my final car loan payment ( proof attached ) the bank teller told me that the car title was going to be mailed to me. 2 years later I have not received the car title/pink slip. 
Neither the bank had communicated with me in any way, no mail correspondence at all in 2 years from the bank. 
On XX/XX/XXXX I walked into bank main offices to inquire about my car title. I was attended by XXXX XXXX XXXX after a while she said I can not give you your car title because you have credit card balance with us from XXXX. No proof or copies were provided of such thing. 
*Stop the bank from doing tricky practices. The car was totally paid in full and car title should be release no other costs or debts should be added to the car title. 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 2020-09-15 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ). It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP
State: CO

Complaint narrative:
I received six Visa Debit cards issued from U.S. Bank ReliaCard Each card is issued to a separate person, but all mailed to my home address. 

I received these cards in the mail on XX/XX/2020 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 2020-09-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
When I checked my credit reports as I often do I saw that Lvnv Funding placed a XXXX collection on all three of my reports which is false and untrue. 
When I contacted Lvnv Funding demanding that they provide me with the documentation to validate the debt pursuant to The Fair Debt Collections practices act and the fair credit reporting act they refused to comply within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 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: MO

Complaint narrative:
Equifax should not be reporting that I am ( 120 ) days late on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: DC

Complaint narrative:
Regarding complaint numberXXXX. The company did not address the main issue : How can you lower the credit limit for all of the reasons you give and then, after the promotional period is over ; raise the credit limit back up again because on payment was made? The referenced complaint pointed out that you raised the credit limit in the past when the income was lower than it is when you decided to lower it. Your letter raising it says after making " payments '', I only made one payment. 

The credit limit was lowered after I initiated a transaction that would have qualified for the no fee " pay-it '' promotion. That is why the credit limit was lowered and that is why, once the promotion expired ; you raised it back up.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 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: MO

Complaint narrative:
Experian and XXXX should not be reporting that I am ( 30-60 )  days late on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.

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