vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-14 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: CA

Complaint narrative:
Theyre reporting late payments on a second mortgage. We got out of bankruptcy but no one told us to resume making payments to the bank we tried paying the trustee as we had been and when we talked to XXXX XXXX they said they would fix it but never did. If you look at our payment history we have never been late on our mortgage payment. It was not our fault as we had no direction from the trustee or bank that we should pay the bank directly. XXXX removed our bankruptcy info but not the 2 late payments. I also would like you to look into my credit score because experian has me at XXXX but they continue to report my score as XXXX to people who inquire on my credit which causes me higher interest. 
I also would like the XXXX XXXX investigated as I believe that was my husbands account and should not be reflected on my account. I disputed both account but no change has happened. Another thing that I would like to know is when I did XXXX  to try and up my credit score I had no change so because there was no change I canceled XXXX and experian lowered my score by 3 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 2021-03-14 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: Nelnet, Inc.
State: FL

Complaint narrative:
I have tried numerous times over the past two months to dispute and correct a company and account on my credit report that is not accurate. The company is called NELNET, i have an tried to dispute this with all 3 credit bureaus, none of them want to give me any details on the matter. Also this company does not exist. Ive tried calling 5 different numbers and no luck so far. I do not owe both accounts, nor should it be on my credit report. 

NELNET : XXXX amount {$4000.00} NELNET : XXXX amount {$2600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14 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 submitted a dispute with equifax regarding XXXX XXXX MasterCard. I received the investigation stated that its been verified as my debt. Which is incorrect. I also disputed with XXXX, XXXX requested that equifax remove this account off my credit. Equifax does a poor job with investigation the company has addressed it yet equifax states its my debt unbelievable. In addition I submitted my address equifax has a different address

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have tried numerous times over the past two months to dispute and correct a company and account on my credit report that is not accurate. The company is called XXXX, i have an tried to dispute this with all 3 credit bureaus, none of them want to give me any details on the matter. Also this company does not exist. Ive tried calling 5 different numbers and no luck so far. I do not owe both accounts, nor should it be on my credit report. 

XXXX : XXXX amount {$4000.00} XXXX : XXXX amount {$2600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14 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 tried numerous times over the past two months to dispute and correct a company and account on my credit report that is not accurate. The company is called XXXX, i have an tried to dispute this with all 3 credit bureaus, none of them want to give me any details on the matter. Also this company does not exist. Ive tried calling 5 different numbers and no luck so far. I do not owe both accounts, nor should it be on my credit report. 

XXXX : XXXX amount {$4000.00} XXXX : XXXX amount {$2600.00}

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
Consumer complaint received 2021-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have tried on numerous occasions trying to contact and speak with multiple representatives on correcting my credit report. Their is negative history being reported on my credit report, their is false information being reported, their is multiple accounts being reported with no corrective updates. I have told them of multiple accounts that are not valid and should be removed off of my credit report and including joint accounts that are in my spouses credit report as well. I have stated to them on numerous occasions that multiple accounts especially negative ones are not allowed to be reported after 5 years. The law states in the state of Florida that no negative/collection/charged off/closed account shall be reported after 5 years to the date. I have multiple accounts over 7+ years being reported. They do not give me a straight answer and many times have hung up on me on purpose not to answer the questions. These are the accounts as follows that need to be removed. 

XXXX : XXXX XXXX : XXXX XXXX/XXXX  : XXXX XXXX  XXXX  : XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX  XXXX : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF HAWAII CORPORATION
State: CA

Complaint narrative:
PROBLEM : Received 2 late payments charges of {$25.00} each ( one in XX/XX/XXXX and the other in XX/XX/XXXX ) from the same Payee. 

DETAILS : Recurring payment to the Payee were designated for BOH to send the payment on the XXXX of each month. 

Both payments were received after the due date of the XXXX of the month ISSUE : Unlike every major banking institution I've used, Bank of Hawaii Bill Pay " service '' does not provide a deliver by date field on their bill pay platform. BOH tasks their customers with calculating the correct date for BOH to send the the payment. The documents required for each customer to accurately determine the correct send by date are as follows : - A published list of all observed Bank holidays that specifically affect the bill payment process ( none can be found on their website ) - A comprehensive list of the policies of their bill process ( for instance, when a recurring payment send by date falls on a holiday or weekend, BOH, unlike all other banking institutions I've used, inexplicably sends the payment the day FOLLOWING the weekend or holiday instead of the day preceding ). This is nowhere to be found as well. This also requires that BOH provide continuous and timely notifications to their Bill Pay customers as any changes to the policies, holidays observed, etc. will require BOH Bill Pay customers to recalibrate ALL future recurring payments to ensure they have provided BOH with the right date. 

There is no indication on the bill pay platform as to when BOH confirms a particular payment will be received. 

Instead, BOH provides this apparently incorrect guidance on their website https : //www.boh.com/online-mobile/ebankoh : " **Payment must be scheduled at least five business days in advance of due date, not including grace periods. '' BOH does NOT go on to define what a " grace period '' is. 

STEPS I '' VE TAKEN TO ADDRESS THE LATE FEES : XX/XX/XXXX I sent an email to BOH Customer Service outlining the above and requested they credit the late fees back. 

Since that date I've received responses that simply tell me to plan in advance for payments and a refusal to to credit me for those late fees. 


SUMMARY : My stance is that BOH is placing an enormous and unnecessary burden on their customers to calculate the send by date for Bill Pay without providing the necessary documentation to accurately calculate the date.

BOH should be frontloading all their policies and requirements into the logic of their Bill Pay platform and calculating the send by date themselves.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have tried on numerous occasions trying to contact and speak with multiple representatives on correcting my credit report. Their is negative history being reported on my credit report, their is false information being reported, their is multiple accounts being reported with no corrective updates. I have told them of multiple accounts that are not valid and should be removed off of my credit report and including joint accounts that are in my spouses credit report as well. I have stated to them on numerous occasions that multiple accounts especially negative ones are not allowed to be reported after 5 years. The law states in the state of Florida that no negative/collection/charged off/closed account shall be reported after 5 years to the date. I have multiple accounts over 7+ years being reported. They do not give me a straight answer and many times have hung up on me on purpose not to answer the questions. These are the accounts as follows that need to be removed. 

XXXX : XXXX XXXX : XXXX XXXX  : XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have tried on numerous occasions trying to contact and speak with multiple representatives on correcting my credit report. Their is negative history being reported on my credit report, their is false information being reported, their is multiple accounts being reported with no corrective updates. I have told them of multiple accounts that are not valid and should be removed off of my credit report and including joint accounts that are in my spouses credit report as well. I have stated to them on numerous occasions that multiple accounts especially negative ones are not allowed to be reported after 5 years. The law states in the state of Florida that no negative/collection/charged off/closed account shall be reported after 5 years to the date. I have multiple accounts over 7+ years being reported. They do not give me a straight answer and many times have hung up on me on purpose not to answer the questions. These are the accounts as follows that need to be removed. 

XXXX : XXXX XXXX : XXXX XXXXXXXX : XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: NJ

Complaint narrative:
I was approved for the mortgage loan for {$300000.00} and documents signed and sent back to the office and disclosures and mortgage payments plan to be setup with the Quicken Loans company in spite of credit score. After time a problem rejected for unfounded reasons. Discrimination against me! Now resort to the Rocket XXXX affiliated with the Quicken Loans company. I signed the contract and my real estate agent XXXX email address is waiting for the process to be completed by the company. I inquired to the Civil Rights Commission and other government offices. Now still homeless and seeking loans, credit cards to live comfortably for food, etc. No transportation to get where I would like to if a distance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ONLINE Information Services, Inc.
State: NJ

Complaint narrative:
On XX/XX/XXXX XXXX XXXX XXXX reported the following to the credit reporting agencies : " Seriously past due date/ assigned to attorney, collections agency, or credit grantor & XXXX ; XXXX XXXX XXXX XXXX ''. XXXX XXXX XXXX reported a balance of {$560.00} which was updated on XX/XX/XXXX for the original creditor : XXXX XXXX XXXX. XXXX XXXX XXXX has not notified me via mail or phone call for the debt in question. XXXX XXXX XXXX has not provided verification of this debt and has not responded to any phone call correspondence. 

On XX/XX/XXXX Online Information Services reported the following to the credit reporting agencies : " Seriously past due date/ assigned to attorney, collections agency, or credit grantor & XXXX ; XXXX XXXX  collection department ''. Online Information Services reported a balance of {$560.00} which was updated on XX/XX/XXXX for the original creditor : XXXX XXXX XXXX XXXX NY. I received a letter from ONLINE INFORMATION SERVICES on XX/XX/XXXX in regards to the debt in question. I sent a request for verification to Online Information Services on XX/XX/XXXX by certified mail, the following agency has not provided debt verification within the legally obligated 30 days. 

XXXX agencies are trying to collect on the same debt that has not been verified when verification was requested. Both collections agencies are reporting these accounts as negative collection to all credit reporting agencies. This is illegal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
The problem is the quick security text feature that PayPal has adopted. This small little Road blocked looks small and not very intimidating. But once you encounter it and it's like a virus that goes through your dang account it is infuriating cuz it helps you at every attempt to use your own money in any way shape or form on your account it stops you it's XXXX it is a system tied to your phone number which is used for verification of Who You Are but the glitch in the system is most everybody these days if using a family plan and when you have a family plan there's only one name tied to the account. Leaving it impossible to do an adequate or even a mediocre Security check or identification this system is flawed and needs to be replaced and my account needs to be restored to full capacity

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-14 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: EQUIFAX, INC.
State: WA

Complaint narrative:
Good morning, The Date of first delinquency reported by equifax on the account XXXX isXX/XX/XXXX. The payment history reported clearly states 30 days past due onXX/XX/XXXX. This is a violation of my consumer rights by attempting to Re age this debt. Please delete this account from my consumer report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$310.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNT 1. XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$310.00} -This is not my account.

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 2021-03-14 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$310.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated onXX/XX/XXXXand the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNT 1. XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$310.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I will be filing a Federal lawsuit aganist Bank of America.Bank of America sales practices are unethical and very unprofessional.I will be getting 50 natorized letters from current and former Bank of America to present as evidence to the Federal Judge. 

They charged my account off in XXXX.They never investigated the fraudulent activity done on my account, So my best option is pay the {$400.00} filing fee for Federal Court and file a lawsuit and subpeona all documents and those who handled my account.I will also subpeona phone calls and all documents pertaining to my account.

I want to be able to pay the {$190.00} and have it removed from XXXX XXXXXXXX.I will be contacting XXXX XXXX with police report for the fraudulent activity.I will also include chex system in the lawsuit.I will include XXXX. XXXX and Mrs XXXX from Bank of America in the lawsuit and subpeonas.I am not playing with Bank of America.If Bank of America would have investigated the fraudulent activity.I would have paid off my account.After the investigation of the fraudulent activity.I wanted the fraudulent investigated and the fees waived/credit.Then I would have paid off the account and my account would have been still open.

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 monetary relief
Consumer complaint received 2021-03-14 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TransferWise Ltd
State: NY

Complaint narrative:
I have a complaint for transferwise now the company change the name to wise.com i just try to send money to XXXX from my card i m not XXXX much rich person wise company will deduct payment from my card n from.the bank but they will not transferring the payment to XXXX and the shocked thing he will destroy my account automatically i just receive a mail your email address is change either i m not changing my email now i try to login but app show me email password wrong pls kindly call me.whenever you have the solution and transfer wise does not have the customer service or any helpine

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14 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: WA

Complaint narrative:
Good morning, According to the FCRA consumer reporting agencies must report accurate information. 

Transunion reports on the account XXXX a 90 days past due in XXXX of 2019, and a 120 days past due in XXXX of 2019, while XXXX reports a 60 days past due in XXXX of 2019 and reports 90 days past due in XXXX of 2019, This is inconsistent and inaccurate reporting under the FCRA. please delete this account immediately for failing to report accurate information.

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