vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-01 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: TX

Complaint narrative:
I noticed erroneous information reporting on XX/XX/2019. I have contacted the bureaus to dispute as well as requested verifiable information that I was the owner of this debt. I have proof of deletion from my XXXX  credit report. This information is not reporting properly across the 3 bureaus which is negatively impacting my score. Please assist with prompt deletion

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 2020-03-01 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: TX

Complaint narrative:
I noticed erroneous information reporting on XX/XX/2019. I have contacted the bureaus to dispute as well as requested verifiable information that I was the owner of this debt. I have proof of deletion from my XXXX  credit report. This information is not reporting properly across the 3 bureaus which is negatively impacting my score. Please assist with prompt deletion

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 2020-03-01 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: NV

Complaint narrative:
XXXX XXXX is not correct. I have never used that alias. Please, remove XXXX XXXX from my credit 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 2020-03-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Control, LLC
State: PA

Complaint narrative:
Credit control LLC continues to furnish information incorrectly on credit file. Made contact with XXXX XXXX and spoken XXXX XXXX. 
Company informed me no debt was owed on account. According to FCRA Guidelines this is illegal. Requesting full investigation and listen to call XX/XX/2020 @ XXXX EST.

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 2020-03-01 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: NY

Complaint narrative:
I disputed a tradeline ( XXXX XXXX XXXX ) ( XXXX ) with Equifax which is reporting on my credit report 4 times for the same tradeline and they reported back that it was verified. I want that tradeline deleted as it is reporting 4x.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01 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: MD

Complaint narrative:
The Bureaus have taken longer than 45 days to properly investigate my complaint and remove erroneous information from report. This is Violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01 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: GA

Complaint narrative:
identity theft

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 2020-03-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: IL

Complaint narrative:
XXXX XXXX closed down in XXXX of XXXX and I was told that I would get my loans forgiven if i filed for student loan forgiveness filling out the School Closure form by XXXX XXXX, and that's what I did but got denied. then called my student loan provided Nelnet told them the situation, Nelnet told me to fill out the Student Loan Defense to Repayment and that's what I did but i was denied for that. I should not have to pay back loans if my school closed down. Below are the dates the student loans were taken out, and the amounts owed. 

XX/XX/XXXX I owed {$6000.00} since then Nelnet has charged me over {$3000.00} in intrest. 

XX/XX/XXXX I owed {$3500.00} since then Nelnet has charged me over {$1000.00} in intrest XX/XX/XXXX I owed {$3000.00} from the previous year since then I've been charged {$330.00} in intrest

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01 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: NV

Complaint narrative:
I decided to use experian again to boost my credit score.It boosted my credit score but decreased by 24 points on XX/XX/2020..

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 2020-03-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Tenaglia & Hunt, PA
State: NY

Complaint narrative:
I attempted to settle a credit card debt from XXXX XXXX  for XXXX credit card in a fair, equitable manner with Tenaglia & Hunt, who apparently purchased this debt. I sent them numerous letters in order to settl
e this matter but they never answered my letters. I also called them but either got voice mail messages, got hung up on or was put on hold for ridiculous amounts of time Instead of negotiating with me in good faith they have sued me in XXXX County Court. 
The lawsuit was filed on XX/XX/2020. They only way that I found about this lawsuit is that I looked my name on the XXXX Court website and found this lawsuit. 
I am a XXXX XXXX XXXX and I do not have a job. I have been diagnosed with XXXX  and XXXX XXXX and am taking the prescription medication XXXX. 
This situation has caused my family and I severe XXXX. 
Tenaglia & Hunt never informed me that they were taking legal action and never tried to communicate with me via phone or mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
XXXX XXXX, XXXX. as Trustee for the benefit of XXXX XXXX XXXX XXXX XXXX XXXX wrongfully retained {$25000.00} of surplus proceeds arising from the foreclosure sale of my homestead property. 

Under Florida Law, surplus proceeds arising from a foreclosure sale belong to the owner of record as of the lis pendens date. However, instead of returning the overpayment to me ( as requested ), the Trust reported it to its investors as a 3.480 % " Gain '' realized from the liquidation of my loan. 

This constitutes civil theft in the State of Florida.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01 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: MD

Complaint narrative:
The Bureaus have taken longer than 45 days to properly investigate my complaint and remove erroneous information from report. This is Violation of the FCRA.

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 2020-03-01 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: MD

Complaint narrative:
The Bureaus have taken longer than 45 days to properly investigate my complaint and remove erroneous information from report. This is Violation of the FCRA.

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 2020-03-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: AZ

Complaint narrative:
On XX/XX/XXXX I closed on a home purchase with Quicken loans. I chose to waive escrows and paid additional cost on my loan because of this. I also had to pay my homeowners insurance policy in full for the year in order to accomplish this. I paid the extra cost and policy in full. ( Closing disclosure, Page 2 section F. prepaids ) On Monday XX/XX/XXXX I began to receive emails from Quicken indicating my insurance policy has expired and is no longer valid & they need my new insurance information. That same day, my cousin who is the co-borrower on the loan & I reached out to Quickens customer service team and provided them with the same insurance deceleration page showing the same policy from when the home was purchased. ( We did not change policies or companies ) They confirmed it was an issue/error that will be resolved. A few months go by with nothing else regarding this. 
As of today XX/XX/XXXX. When viewing my XXXX mortgage statement ( see attached ) it indicated we have - {$2800.00} in the escrow balance**. On page 2 of the same mortgage statement it indicates ** means " A negative balance is a result of a payment Quicken Loans has made on your behalf to cover any outstanding charges or fees. '' Quicken also issued an escrow analysis statement ( see attached ) which states the following escrow shortage is at {$4300.00} and starting XX/XX/XXXX my new payment will be {$1600.00} which covers principal and interest, escrow & escrow shortage. 
My insurance policy never lapsed. Quicken was made aware of this after there first notice. 
I paid extra to waive an escrow account, I paid my policy in full at closing to waive the escrow account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
Mr. Cooper fka Nationstar is sending monthly mortgage statements with an arreage balance of more than {$250000.00} owed by me. I owe no debt to Mr. Cooper or anybody it represents. Mr. Cooper can't validate any debt I owe to them and should cease sending harassing mail through the united postal service committing mail fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX granted me credit a line of XXXX 2016. Payments are continually report negative late payments on credit file. Funds are available in savings and not checking. Instead of removing available funds ; the company furnish inaccurate information on credit file. With this type of reporting continues to enable credit worthiness and growth in score. According Federal Reserve Board this is illegal. In addition, during multiple late payment reporting, a protection instituted by XXXX in case my health becomes compromised and unable to work Requesting all late payments to removed from tradeline

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX granted me credit a line of XXXX 2016. Payments are continually report negative late payments on credit file. Funds are available in savings and not checking. Instead of removing available funds ; the company furnish inaccurate information on credit file. With this type of reporting continues to enable credit worthiness and growth in score. According Federal Reserve Board this is illegal. In addition, during multiple late payment reporting, a protection instituted by XXXX in case my health becomes compromised and unable to work Requesting all late payments to removed from tradeline

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 2020-03-01 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:
Account has been sold to a collection agency but original creditor ( XXXX ) still shows up on my report as well as the collection agency handling the account. The reported information shows up on my account as if I have two charge offs when its really only one for the same company.

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 2020-03-01 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: NY

Complaint narrative:
Equifax, XXXX, and XXXX XXXX are reporting inaccurate information on my charge offs. I disputed with the Credit Bureau however they're still reporting inaccurate information. They are in violation for reporting inaccurate tradelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AmerAssist A/R Solutions, Inc.
State: GA

Complaint narrative:
I spoke with Amerasisst credit agency on several occasions regarding a XXXX XXXX account that is not mine. I have also sent a general form of release form from XXXX XXXX regarding the termination of treatment. She said that they would take care of the account and send me documentation, but unfortunately, they fail to do so. One of  XXXX XXXX 's representatives assured me that they will cancel all payments and void any balance, thereafter, due to medical reasons. I can't start to even tell you how I have also been harassed by Amerassit and their company. I have sent documents asking for validation of debt. Please have them to delete this account from my credit report or I will sue in small claims court.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01 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: NY

Complaint narrative:
XXXX, XXXX, and Trans Union are reporting inaccurate information on my charge offs. I disputed with the Credit Bureau however they're still reporting inaccurate information. They are in violation for reporting inaccurate tradelines.

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 2020-03-01 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: NY

Complaint narrative:
XXXX, Experian, and XXXX XXXX are reporting inaccurate information on my charge offs. I disputed with the Credit Bureau however they're still reporting inaccurate information. They are in violation for reporting inaccurate tradelines.

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 2020-03-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Adjustment Service, Inc.
State: TN

Complaint narrative:
The original debt was disputed with the XXXX. Three phones were returned and only one had a contract amount remaining. XXXX changed the terms of my monthly contract and did put the discount date on my bill until the last month of that contract. Their customer relationships person XXXX XXXX Took responsibility for that error on XXXX  part. This amount should not be XXXX and XXXX needs to provide documentation that they did not provide proper notice of the monthly discount termination or provide proper council during service start time. This debt is not due. XXXX is responsible for the balance. XXXX then continued to bill after the XXXX settlement was made.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01 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: JPMORGAN CHASE & CO.
State: AR

Complaint narrative:
PLEASE UPDATE ALL CREDIT BUREAUS FOR AUTO LOAN WITH CHASE, REVERSE ALL LATE FEES AND UPDATE ALL BUREAUS TO REFLECT PAYING AS AGREED NEVER LATE NEW BALANCE XXXX {$18000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-01 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: MN

Complaint narrative:
I recently had been advised I needed to lift a credit freeze with Experian. I do not deal with that much ( do not have a full membership ), but when I tried to access their system, I was frozen out ... all attempts to confirm my user name or password were rejected even after I provided long-known and established with Experian personal information, including SSN, DOB, address, etc. When I tried to reach  their customer service, after AGAIN providing this information ( unchanged in over 20 years ), no matter what number I called, I only got into a loop of automated response choice. NO WAY to talk to a human. 

I even had a concern as one attempt to verify my user name came up with an incorrect phone number ... one I have never had. And EVERY attempt to have them preliminarily identify me using SSN and zip code and address resulted in " sorry, not enough information. When I then followed their advice to enter a previous credit report number, when I did so using 2 different ones, again, I got " nothing found ''.

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 2020-03-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
My carecredit account was closed a few months ago without my knowledge. The card was paid off and i had never missed any payments. When I called synchrony bank they would not give me a reason as to why it was closed. I'm tryomg to build my credit score and by closing my account for no reason it is loeeri g my score by almost 100 points

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 2020-03-01 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
PLEASE UPDATE ALL CREDIT BUREAUS FOR AUTO LOAN WITH XXXX, REVERSE ALL LATE FEES AND UPDATE ALL BUREAUS TO REFLECT PAYING AS AGREED NEVER LATE NEW BALANCE XXXX {$18000.00}.

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