vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-15 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 — Their investigation did not fix an error on your report
Company: AES/PHEAA
State: NY

Complaint narrative:
I have a loan with FEDLOAN. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and FEDLOAN with no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-15 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 — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have a loan with CAPITAL ONE. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and CAPITAL ONE with no successful resolution. XXXX   and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-15 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: CA

Complaint narrative:
I have sent a police report notifying them that some accounts on my credit file were fraudulent, and most of the inquires were fraudulent. I have sent proof that my Social Security Number and Telephone number has been compromised and was being sold on the " Dark Web ''. Per Federal Law, that in itself should have blocked any accounts on my credit file. Not only did they not adhere to that request. I've also sent these agencies 3 sworn affidavits asking them to send documentation to prove some accounts on my credit file can be verified. Each step of the way they have refused to send me the documentation I have requested per Section 609 of FCRA. All 3 credit reporting agencies are now in violation of Federal Law. By all 3 Credit Reporting Agencies, I am referring to XXXX, XXXX, and TransUnion. They are also in violation of the FACT ACT, and in Violation of Section 605 ( b ) of the FCRA. Please help me. I can not understand why these agencies want to make it difficult to correct wrong that has been done to me and my family. By violating these Federal Laws I can not obtain housing for my family. My next step is litigation which I am trying to avoid but I will if I have to. Please help me and my family. Thank you for your time.

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 2019-06-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Oliver Adjustment Co.
State: VA

Complaint narrative:
This is NOT my debt. This is extortion. Why is this appearing in XX/XX/XXXX for the 1st time but opened in XX/XX/XXXX?  It's extortion to get me to pay something not mines to make it go away. I have always had great medical benefits. I have never received a bill because it is not mine!. This appear on my XXXX XXXX report via XXXX as of XX/XX/XXXX but for XX/XX/XXXX. 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 2019-06-15 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: GA

Complaint narrative:
Equifax " reinserted '' an account back to my bureau on XX/XX/2019. 
The ( XXXX /XXXX  ) disputed account was removed between XX/XX/2019 and XX/XX/2019. I received an email stating my score increased 41 points. I have attached the copy showing this. 
" I was never notified by Equifax that this item would be reinserted ''. Equifax reported to XXXX XXXX when my credit increased the day the item was removed. However, several days later I received a new report that the account was reinserted which caused my score to drop 38 points. I called Equifax immediately and explained this error to several representatives on both XX/XX/2019 and XX/XX/2019 some of the names are XXXX and XXXX. I was on the phone and placed on hold with XXXX several times. Unfortunately, I was not assisted with my request to re-remove the negative account. The representative said the dispute was completed XX/XX/2019 and then stated it was verified by the creditor on XX/XX/2019. I was not provided details of how or why this information was reinserted, there were no documents provided to me from Equifax or from XXXX   XXXX  to warn me. I then spoke to the supervisor XXXX about the status of the disputed account he now says it is now still in process. Equifax is out of compliance because I should have been notified within 5 business days of the reinsertion.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
Santander knows that my car was in a total out accident. Which wasn't my fault. They had my insurance payment held it for about 10-15 days. Then applied it to my account. Now they turned around and reported me to the credit reporting agencies on XX/XX/2019. Like they never received any payments from me or the Insurance company. They have me 30-55 days late. This also brought my score down alot. which has now ruined me from my home purchase which I was in the middle of doing. So now they are going to turn me down for my loan because Santanders just caused me 40 plus points on all three of the credit reporting agencies. I believe they did this purposely because, I made a complaint to your company two weeks ago about them charging me late fees once they applied my insurance payment to my account. They also told me that it would take them 3 to 4 days to apply the other {$3300.00} Insurance to my account and that was last Friday at the beginning of the month and its the XXXX and they have my account still not correct. Im requesting to take legal action against this company and requesting for monetary damages. I was expected to close on my loan on XX/XX/XXXX but, now that my score has went down and they repull my credit for closing I will be turned down for the loan and its Santanders maliciously intent to cause this damage to my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: NV

Complaint narrative:
I have had a mortgage for a little over two years since XX/XX/2016. my loan servicer is US Bank and recently because of increased bills and credit cards out of control and my wife has no income. I have asked US bank to start Loan Mitigation to help me in payments on the loan. in this process I have been in contact with them and completed all paperwork. the problem is that even though I am in the process they continue to call me form there collections dept. sometimes 3-4 times a day and leave me messages about contacting them for payments. I have asked repeatedly for them to calling me as I know that I owe them payment but it continues. it is amounting to harassment and I have asked them to limit the calls, which they say all I can do is ask for Cease and desist contact which I don't think would be wise. I would just like them to process my application and stop harassing me for the payments as I am doing the best I can with my situation.

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 2019-06-15 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: First Associates Loan Servicing LLC
State: AZ

Complaint narrative:
Hello I see that XXXX  now has to forgive all the private student loans that were handed out to XXXX XXXX students I was part of this but since have refinanced mine with XXXX XXXX for a lower rate so how do I get my money back to take care of this as it cost me over 18k. 

In regards to case number XXXX I started the school in XXXX XXXX and finished in XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-15 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: Clarity Services
State: MO

Complaint narrative:
Theres multiple inquiries from clarity services incorporated in XXXX Florida that keeps putting hard inquiries on my credit report. They continue without my authorization or my consent. I dont even know who they are ... and I want them removed immediately. I've called via phone already awhile back and there continues to be added and unauthorized hard inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-15 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have sent a police report notifying them that some accounts on my credit file were fraudulent, and most of the inquires were fraudulent. I have sent proof that my Social Security Number and Telephone number has been compromised and was being sold on the " Dark Web ''. Per Federal Law, that in itself should have blocked any accounts on my credit file. Not only did they not adhere to that request. I've also sent these agencies 3 sworn affidavits asking them to send documentation to prove some accounts on my credit file can be verified. Each step of the way they have refused to send me the documentation I have requested per Section 609 of FCRA. All 3 credit reporting agencies are now in violation of Federal Law. By all 3 Credit Reporting Agencies, I am referring to Equifax, XXXX, and XXXX. They are also in violation of the FACT ACT, and in Violation of Section 605 ( b ) of the FCRA. Please help me. I can not understand why these agencies want to make it difficult to correct wrong that has been done to me and my family. By violating these Federal Laws I can not obtain housing for my family. My next step is litigation which I am trying to avoid but I will if I have to. Please help me and my family. Thank you for your time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-15 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have sent a police report notifying them that some accounts on my credit file were fraudulent, and most of the inquires were fraudulent. I have sent proof that my Social Security Number and Telephone number has been compromised and was being sold on the " Dark Web ''. Per Federal Law, that in itself should have blocked any accounts on my credit file. Not only did they not adhere to that request. I've also sent these agencies 3 sworn affidavits asking them to send documentation to prove some accounts on my credit file can be verified. Each step of the way they have refused to send me the documentation I have requested per Section 609 of FCRA. All 3 credit reporting agencies are now in violation of Federal Law. By all 3 Credit Reporting Agencies, I am referring to XXXX, Experian, and XXXX. They are also in violation of the FACT ACT, and in Violation of Section 605 ( b ) of the FCRA. Please help me. I can not understand why these agencies want to make it difficult to correct wrong that has been done to me and my family. By violating these Federal Laws I can not obtain housing for my family. My next step is litigation which I am  trying to avoid but I will if I have to. Please help me and my family. Thank you for your time.

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 2019-06-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
On XX/XX/2019 I noticed a debt collection from Bull City Financial Solution on all three credit reports. I did not receive anything in the mail regarding this alleged debt that Bull City Financial Solution claim that I owe. I am letting Bull City Financial Solution know there claim has been disputed and I have no contractual agreement with them. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPPA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that HIPPA does allow the release of limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore, my request is twofold -- validation of debt and HIPPA authorization. Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me. Please send this information to my address listed above and accept this letter, through the Consumer Financial Protection Bureau, as a formal debt validation request, which I am allowed under FDCPA because you will deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with the above requested proof. Upon receiving it, I will correspond back by through certified mail return receipt. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: RI

Complaint narrative:
XXXX XXXX has been checking my credit report monthly and if it drops they either close the account or drop the spending limit. They closed XXXX XXXX and now they closed XXXX on me. For more reason. I have made payments on time and have paid more than requested

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-15 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: ND

Complaint narrative:
I spoke with XXXX XXXX from XXXX and informed her that I had received a letter from her that XXXX was to be removed from my credit report and yet was still on there, XXXX informed me that she notified all 3 bureaus on XX/XX/XXXX and again on XX/XX/XXXX electronically that they were to delete the trade line and that she was going to send all three bureaus another electronic message to delete the trade line but its still on all three credit reports. I have the letter from XXXX stating it should be deleted.

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 2019-06-15 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have disputed XXXX XXXX XXXX XXXX as reporting inaccuracies on my credit profile. I sent Experian 2 disputes in reference to the errors and still are telling me that the account has been verifed. It is showing a {$2000.00} credit limit the high balance is showing {$2600.00} The Recent balance is {$24000.00} as of XX/XX/2019 this information is totally incorrect I need this account to be completely Deleted from me profile/credit 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 2019-06-15 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AmeriHome Mortgage Company, LLC
State: CA

Complaint narrative:
On XX/XX/19 my mom who is living in my 2nd home and making payments directly to amerihome mortgage company submitted a check to the bank to pay the mortgage was inputed incorrectly by the bank teller. The payment to amerihome then bounced due to insufficient funds due to teller error. Amerihome was contacted numerous times ( over 10 to correct the " NSF fee, Late fee and other fees '' ) they would not. We have contacted the bank in which they wrote a letter describing what had happened and that the fees should not be applied to our account. Now battling with Amerihome they will not help us out whatsoever and in the mean time my credit has bee effected by over 140 points in the negitive. I am very upset over this because I take great pride in having stellar credit. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-15 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I have been contacting the 3 major credit bureau to have a bankruptcy remove my credit report. On XX/XX/2019 Experian removed this item from my credit report, than on XX/XX/2019 this agency put it right back on the 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 2019-06-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Servis One, Inc., Titusville, PA Branch
State: OH

Complaint narrative:
I was approved for a trial six month modification for XXXX. My husband and I never missed a payment. After the six month approval payment of {$780.00} a month. BSI wrote the modification contract for XXXX XXXX a month. When they had already approved the modification for XXXX, which we agreed to and never missed a payment. At the end of the trial BSI said we had to pay {$990.00} a month instead of the {$780.00} modification approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-15 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 — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
going to XXXX can not access my transunion credit report Have tried several days now and when you go to there site you have to pay for it to access

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 2019-06-15 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: ND

Complaint narrative:
I spoke with XXXX XXXX from XXXX and informed her that I had received a letter from her that XXXX was to be removed from my credit report and yet was still on there, XXXX informed me that she notified all 3 bureaus on XX/XX/XXXX and again on XX/XX/XXXX electronically that they were to delete the trade line and that she was going to send all three bureaus another electronic message to delete the trade line but its still on all three credit reports. I have the letter from XXXX stating it should be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-15 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I have been contacting the 3 major credit bureau to have a bankruptcy remove my credit report. On XX/XX/2019 XXXX removed this item from my credit report, than on XX/XX/2019 this agency put it right back on the 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 2019-06-15 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I have been contacting the 3 major credit bureau to have a bankruptcy remove my credit report. On XX/XX/2019 XXXX  removed this item from my credit report, than on XX/XX/2019 this agency put it right back on the report.

Company response to consumer: Closed with explanation