vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-04 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: CO

Complaint narrative:
Per Certified Credit Reporting Report # XXXX, TransUnion, XXXX, and XXXX  have erroneously listed some mortgage accounts under " delinquency '', however after contacting the mortgage company ( XXXX XXXX - XXXX : XXXX XXXX, they found this to be in error. To date, neither the mortgage company nor the credit bureaus have fixed 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 2017-12-04 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: CO

Complaint narrative:
Per Certified Credit Reporting Report # XXXX, XXXX, Equifax, and XXXX have erroneously listed some mortgage accounts under " delinquency '', however after contacting the mortgage company ( XXXX XXXX - XXXX : XXXX ), they found this to be in error. To date, neither the mortgage company nor the credit bureaus have fixed this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04 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: CO

Complaint narrative:
Per Certified Credit Reporting Report # XXXX, XXXX, XXXX, and Experian have erroneously listed some mortgage accounts under " delinquency '', however after contacting the mortgage company ( XXXX XXXX - aka : XXXX ), they found this to be in error. To date, neither the mortgage company nor the credit bureaus have fixed 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 non-monetary relief
Consumer complaint received 2017-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Transunion Address wrong information duplicate address that do n't exist nor are my address : these are not right address : These are condo units not apartments XXXX XXXX XXXX XXXX APT XXXX -- -No such address XXXX CA XXXX Right Address : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX I 'm also reporting to the FTC for all these address duplicated and wrong information on 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 non-monetary relief
Consumer complaint received 2017-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Transunion there is no XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX is wrong more wrong information on transunion More wrong information on transunion and address that are not correct or valid

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 2017-12-04 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: Prosper Marketplace, Inc.
State: TN

Complaint narrative:
OnXX/XX/XXXX, I discovered credit item Prosper Marketplace account number XXXX had been re-inserted into my credit file. I disputed the tradeline with XXXX and on XX/XX/XXXX, the tradeline came back Verified as Accurate. Per the FCRA, XXXX is required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. As evidenced by my report datedXX/XX/XXXX, the Date Closed states XX/XX/XXXX and the estimated removal date states XX/XX/XXXX As evidenced by my report dated XX/XX/XXXX, the Prosper Marketplace tradeline is no longer listed. Now according to my report datedXX/XX/XXXX, the tradeline is listed with a Date Closed of XXXX/XXXX/XXXX and estimated removal date of XXXX. This item has resurfaced after the FCRA reporting period has expired so this item must be deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-04 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My prior complaint number is XXXX. On XXXX XXXX, XXXX I sent a letter to Citibank requesting information about my student loan - I have not received a response. Today, XXXX XXXX, XXXX I am sending a 2nd request.

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 2017-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: American Credit Acceptance, LLC
State: AZ

Complaint narrative:
I purchased the vehicleXX/XX/XXXX financed with American Credit Acceptance. The loan was reflected on my credit report for approx 2 months. After being denied an new auto loan due to lack of Auto loan credit history I investigated. American Credit Acceptance was not reporting my auto loan. They post on their company website they do and each customer service rep I spoke with stated they do. XX/XX/XXXX I called several times to their customer service, wrote to their credit dispute department several times without any response. XXXX I wrote to their Corp office, which I revived a letter stating they made an error. XXXX andXX/XX/XXXXthe loan was reflected on my report. XX/XX/XXXX I was notified my score dropped major points. After researching and reviewing the loan fell off all 3 major credit reporting agencies. I called XXXX 3 times without any resolution. I have had the auto loan since XX/XX/XXXX and as of today my fico score has dropped 15-20 points, I have been denied Credit, Autos loans, Job offers and rental homes due to their inaccuracy to report as they stated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I purchased the vehicle XX/XX/XXXX financed with XXXX XXXX XXXX. The loan was reflected on my credit report for approx 2 months. After being denied an new auto loan due to lack of Auto loan credit history I investigated. XXXX XXXX XXXX was not reporting my auto loan. They post on their company website they do and each customer service rep I spoke with stated they do. XX/XX/XXXX I called several times to their customer service, wrote to their credit dispute department several  times without any response. XX/XX/XXXX I wrote to their Corp office, which I revived a letter stating they made an error. XX/XX/XXXX and XX/XX/XXXX the loan was reflected on my report. XX/XX/XXXX I was notified my score dropped major points. After researching and reviewing the loan fell off all 3 major credit reporting agencies. I called XXXX 3 times without any resolution. I have had the auto loan since XX/XX/XXXX and as of today my fico score has dropped 15-20 points, I have been denied Credit, Autos loans, Job offers and rental homes due to their inaccuracy to report as they stated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Fairway Capital Recovery, LLC
State: OH

Complaint narrative:
Hello : Over 30 days ago I disputed the charge of XXXX placed on my credit report by this agency. They falsified reporting of my debt. They re-aged my debt which is illegal. They reported it to my credit report as if it was a new debt. The original date of delinquency is over 7 years old. Please remove this debt from my report as you have reported this incorrectly and also have not responded to my dispute request in 30 days. 
As you can imagine I will have no choice but to obtain a lawyer who can sort this out if this is not resolved. thanks very much for your time. 

FAIRWAY CAPITAL RECOVERY # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX OH XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04 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: National Credit Systems,Inc.
State: VA

Complaint narrative:
XXXX XXXX At XXXX XX/XX/XXXX 2012 I contacting the collections agency and there is no way to contact the original debtor. I was a victim of a property manager there who copied court ordered documents and switched the dates in order to force evictions and get judgements. The company no longer exist and it has affected my credit and any possibility of renting another property. I have been trying to get this problem resolved for sometime now. The amount is {$3400.00} and is handled through National Credit Systems XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
XXXX stole my home. I was approved for thr princiapal reduction program and Ocwen denied me knowing that is the only way i could keep my home. because i have proof that they denied me with Ocwen onXX/XX/XXXX never telling me when i called on XX/XX/XXXX to tell Ocwen i got us more time they just need to call kyhc and let them know you are working with like you did last month. on XXXX i sent O more info like they want and got loan docs. on XX/XX/XXXX. by the time i figured out what Ocwen did my home was foreclosed on. I have all the proof. please help

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
Hello : This company is reporting the same debt twice on my credit report to perpective employers it appears as if the debt is two different collections. Please remove this entry and allow the XXXX entry to report this. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Harpeth Financial Services, LLC
State: KS

Complaint narrative:
I took out an online loan over the summer from XXXX XXXX ( XXXX XXXXXXXX ). 
I contacted them via email in XX/XX/XXXX asking them to switch my bank account on file they have dealt me issue after issue refusing to update my banking information, Ive sent them bank statements for two months in a row and they tell me credit unions arent recognized, my bank statement is out dated as they leave it set there and dont work my request now after all this they are requesting me to send them my new bank Statement to show my account activity, pay stubs and letterhead from my bank showing account and routing # which has already been sent to them, and a voided Check before they will update my bank information. They were asked to remove the previous account on file and they refuse. I refuse to give them any further information regarding my bank account and its activity, my bank has warned me their actions are borderline fraud This has absolutely nothing to do with changing my bank account! 
I have asked them to work with me on small payment and reduce the interest as I had been off work sick with dr note and they wont do anything to reduce or stop interest in the retention department I cant affod their payments, I borrowed {$460.00} and no owe almost {$1000.00} They just deduct the payment at their discrestion with no notice How do I get them to stop this and work with me

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04 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: GA

Complaint narrative:
I 'm a victim of one of Equifax 's many computer glitches which has caused me to be denied credit and the inability to refinance my car through a company the uses the Equifax credit profile. My Fico score was XXXX on XX/XX/XXXX however on XX/XX/XXXX i pulled my credit report again because I was denied credit and it showed no score and a bankruptcy and collection was on it that was not mine and was previously disputed and removed by XXXX and Equifax and XXXX and Equifax showed me with no credit at all. They also added addresses that are not accurate and I demand they be removed immediately. My only address is what is the 1st one being reported in my XX/XX/XXXX report that is attached. FCRA law states bureaus must contact/inform consumer 5 days before an item is added back once disputed and removed. I called and made a complaint and dispute that Equifax wiped my credit clean and it was inaccuracies on the account but as of XX/XX/XXXX my credit report has not been updated to reflect the XX/XX/XXXX accurate profile information nor have they updated or included any new positive trade accounts and it 's now showing additional accounts that are not mine that was not on the XX/XX/XXXX account that was previously disputed back on the account with a current credit score of XXXX. This is in direct violation of so many FCRA laws and I ask for your assistance in correcting these drastic errors in Equifax 's reporting of my credit report due to another one of their computer glitches. This is causing much undue stress and duress in my life after and still dealing with being a victim of ID theft/fraud. I thank in advance for ensuring Equifax corrects my file immediately and correctly

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: MS

Complaint narrative:
Good afternoon, My name is XXXX XXXX, I opened a case with Ombudsman about two years ago ( in XX/XX/XXXX ) in regards to inquiries on my XXXX XXXX and XXXX/Department of Education Loans. During this time, I was provided some incomplete payment details that included an account number that was literally blacked out with a permanent marker, inquiries about payments that were not applied to my accounts ( with my bank statement printed out for proof ), the fact that my Stafford Loan Disbursed balance was showing as a XXXX balance but I was continued to get charged the same amount or more than what I was initially paying on a monthly basis. 

The last email that was sent which was never returned, was on XX/XX/XXXX @ XXXX XXXX. 

I 've seen correspondence in regards to XXXX 's negligence for over charging the consumers and I wanted to make sure that my case was documented as an example. 

For the XXXX/Department of Education payments, my initial balance after my graduation in XX/XX/XXXX was around {$420000.00}, in which I was set up on a payment plan of around $ XXXX monthly being drafted out of my account and Ive never had a late payment since this draft was created. As of today, my loan balance is over {$53000.00} and every time I ask for an itemized statement of events historically ( i.e. how much was paid towards principal, interest, capitalized interest, etc. ) that explains how my disbursements occurred, Im never provided this information in its entirety. I have bank statements to support my claim, but I can never get the holistic balance history for my records. I 've tried contacting the Department of Education locally in the XXXX area for insight, I 've reached out to my Senator via snail mail, and I 've contacted my Lendors multiple times all to no avail. 

I have all of the documentation that was requested from Ombudsman printed out and saved as a PDF document for reference. Also, I have bank statements that shows remittance for each my student loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04 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: TX

Complaint narrative:
unauthorize transaction of result of identity theft & fraud police report # XXXX & fraud police report # XXXX attached

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have contacted Equifax on several occasions. First for several inquiries that I was not aware of on my report plus being a victim of one of the millions whom information was stolen. I advised them that one account on my record is not mines because I do not have a contract with XXXX XXXX XXXX. I am not liable for collection of this debt from XXXX XXXX of {$990.00}. I am not responsible for this debt so please deleted it from my report. I have contacted Equifax on XX/XX/XXXX, XX/XX/XXXX and they will not removed nor verified the information. I have sent in an inquiry dispute letter on XX/XX/XXXX they sent me a letter stating it was completed on XX/XX/XXXX. I called in to ask why was it completed because there was no way it only took one day to verify the information. I submitted another dispute on XX/XX/XXXX and the same thing completed same day. Please remove the following inquiries from my report as pursuant to 15 U.S.C. 1681b section 604 ( c ) ( 3 ) of the Fair Credit Reporting Act whereby a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX. Thanks in advance I have also added a fraud alert to all my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04 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: TX

Complaint narrative:
unauthorize transaction of result of identity theft & fraud police report # XXXX & fraud police report # XXXX attached

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 2017-12-04 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
unauthorize transaction of result of identity theft & fraud police report # XXXX & fraud police report # XXXX attached

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 2017-12-04 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: R & B Corporation of Virginia
State: NV

Complaint narrative:
XXXX XXXX XXXX ( XXXX ) XXXX XXXX, XXXX XXXX XXXX It 's important that these accounts gets removed from my credit report. They have reported the same account more than once. It has already been paid in full. I have tried contacting them directly however they are not willing to delete them from my credit.

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