vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-13 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:
In the process of obtaining a XXXX-figure home mortgage loan, I recently had the opportunity to review a copy of my credit report at the Equifax, XXXX and XXXX consumer reporting agencies. Contained therein was an account for XXXX XXXX XXXX under account number XXXX. <P/>XXXX purchase in XXXX, XXXX - it was traded in without a single delinquency in XX/XX/XXXX With that said, the Equifax, XXXX and XXXX credit reports each contained XXXX single 30-day delinquency. This reported delinquency negatively impacted my credit score. <P/>I disputed the erroneous late payment with XXXX XXXX XXXX, in addition to Equifax, XXXX  and XXXX. It was my contention that this account was never delinquent. <P/>On or about XX/XX/XXXX XXXX caused this account to be " updated '' at the Equifax, XXXX and XXXX to show 31-60 days for the month of XX/XX/XXXX - 5 full years after the account was closed. <P/>My credit score at the Equifax, XXXX and XXXX consumer reporting agencies immediately dropped more than XXXX points as a result of a " current '' delinquency being reported. I am now in serious danger of losing my mortgage approval, in addition to a six-figure deposit. <P/>I contacted XXXX, in addition to Equifax, XXXX and XXXX to report the error. XXXX XXXX advised that the account was reporting correctly and that I should take my complaint directly to the credit bureaus. <P/>I entered a dispute on XX/XX/XXXX with Equifax, XXXX and XXXX but was advised that it would take 30 days to complete the dispute. This is unacceptable. Not only have I never been late on this account, the account is now reporting currently delinquent as if I was late in current time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13 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: FL

Complaint narrative:
In the process of obtaining a 7-figure home mortgage loan, I recently had the opportunity to review a copy of my credit report at the XXXX, XXXX and TransUnion consumer reporting agencies. Contained therein was an account for XXXX XXXX XXXX under account number XXXX. <P/>Vehicle purchase in XX/XX/XXXX - it was traded in without a single delinquency in XX/XX/XXXX. With that said, the XXXX, XXXX and TransUnion credit reports each contained 1 single 30-day delinquency. This reported delinquency negatively impacted my credit score. <P/>I disputed the erroneous late payment with XXXX XXXX XXXX, in addition to XXXX, XXXX  and TransUnion. It was my contention that this account was never delinquent. <P/>On or about XX/XX/XXXX XXXX caused this account to be " updated '' at the XXXX, XXXX and TransUnion to show 31-60 days for the month of XX/XX/XXXX - 5 full years after the account was closed. <P/>My credit score at the XXXX, XXXX and TransUnion consumer reporting agencies immediately dropped more than 90 points as a result of a " current '' delinquency being reported. I am now in serious danger of losing my mortgage approval, in addition to a six-figure deposit. <P/>I contacted XXXX, in addition to XXXX, XXXX and TransUnion to report the error. XXXX XXXX advised that the account was reporting correctly and that I should take my complaint directly to the credit bureaus. <P/>I entered a dispute on XX/XX/XXXX with XX/XX/XXXX, XX/XX/XXXX and TransUnion but was advised that it would take 30 days to complete the dispute. This is unacceptable. Not only have I never been late on this account, the account is now reporting currently delinquent as if I was late in current 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 2017-07-13 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:
In the process of obtaining a XXXX-figure home mortgage loan, I recently had the opportunity to review a copy of my credit report at the XXXX, Experian and XXXX consumer reporting agencies. Contained therein was an account for XXXX XXXX XXXX under account number XXXX. <P/>Vehicle purchase in XX/XX/XXXX - it was traded in without a single delinquency in XX/XX/XXXX. With that said, the XXXX, Experian and XXXX credit reports each contained XXXX XXXX 30-day delinquency. This reported delinquency negatively impacted my credit score. <P/>I disputed the erroneous late payment with XXXX XXXX XXXX, in addition to XXXX, Experian and XXXX. It was my contention that this account was never delinquent. <P/>On or about XX/XX/XXXX XXXX caused this account to be " updated '' at the XXXX, Experian and XXXX to show 31-60 days for the month of XX/XX/XXXX - 5 full years after the account was closed. <P/>My credit score at the XXXX, Experian and XXXX consumer reporting agencies immediately dropped more than XXXX points as a result of a " current '' delinquency being reported. I am now in serious danger of losing my mortgage approval, in addition to a six-figure deposit. <P/>I contacted XXXX, in addition to XXXX, Experian and XXXX to report the error. XXXX XXXX advised that the account was reporting correctly and that I should take my complaint directly to the credit bureaus. <P/>I entered a dispute on XX/XX/XXXX with XXXX, Experian and XXXX but was advised that it would take 30 days to complete the dispute. This is unacceptable. Not only have I never been late on this account, the account is now reporting currently delinquent as if I was late in current 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 2017-07-13 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 — Investigation took more than 30 days
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL

Complaint narrative:
In the process of obtaining a 7-figure home mortgage loan, I recently had the opportunity to review a copy of my credit report at the XXXX, XXXX and XXXX consumer reporting agencies. Contained therein was an account for Nissan Motor Acceptance under account number XXXX. <P/><P/>Vehicle purchase in XX/XX/XXXX - it was traded in without a single delinquency in XX/XX/XXXX. With that said, the XXXX, XXXX and XXXX credit reports each contained 1 single 30-day delinquency. This reported delinquency negatively impacted my credit score. <P/><P/>I disputed the erroneous late payment with Nissan Motor Acceptance, in addition to XXXX, XXXX  and XXXX. It was my contention that this account was never delinquent. <P/><P/>On or about XX/XX/XXXX Nissan caused this account to be " updated '' at the XXXX, XXXX and XXXX to show 31-60 days for the month of XX/XX/XXXX - 5 full years after the account was closed. <P/><P/>My credit score at the XXXX, XXXX and XXXX consumer reporting agencies immediately dropped more than 90 points as a result of a " current '' delinquency being reported. I am now in serious danger of losing my mortgage approval, in addition to a six-figure deposit. <P/><P/>I contacted Nissan, in addition to XXXX, XXXX and XXXX to report the error. Nissan Acceptance advised that the account was reporting correctly and that I should take my complaint directly to the credit bureaus. <P/><P/>I entered a dispute on XX/XX/XXXX with XXXX, XXXX and XXXX but was advised that it would take 30 days to complete the dispute. This is unacceptable. Not only have I never been late on this account, the account is now reporting currently delinquent as if I was late in current time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have filed disputes with all three credit agencies to have this tax lien removed from my public records. They all responded and said that it was updated to satisfied but will continue to remain on my credit report. I have the expungement letter. According to my research when I have this letter it is supposed to be removed COMPLETELY.

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 2017-07-13 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: FL

Complaint narrative:
XXXX XXXX account # XXXX is reporting false information. Delete the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13 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: MI

Complaint narrative:
I contacted Transunion on numerous occasions via telephone in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I also disputed multiple inaccurate inquiries online and via US Mail. They replied each time that all inquiries are factual when in case they are not. I have a fraud alert on my credit report and unauthorized inquiries that I absolutely did not authorize after several failed attempts with Transunion they have not deleted any of the inquiries. I am trying to purchase my first home and having so many inquiries on my report is slowing down the purchase process.

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 2017-07-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
My credit card with Bank Of America was activated last year with a limit of {$500.00}. This year my credit limit was increased to {$1000.00} and they told me my card was upgraded and I wo n't be charged any annual fees here after since it 's not a secured credit card anymore and my deposit of {$99.00} would be refunded. Deposit of {$99.00} has been refunded and now I get charged {$39.00} annual fees for a card which has no annual fees anymore as I had been informed.

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 2017-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have filed disputes with all three credit agencies to have this tax lien removed from my public records. They all responded and said that it was updated to satisfied but will continue to remain on my credit report. I have the expungement letter. According to my research when I have this letter it is supposed to be removed COMPLETELY.

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 2017-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have filed disputes with all three credit agencies to have this tax lien removed from my public records. They all responded and said that it was updated to satisfied but will continue to remain on my credit report. I have the expungement letter. According to my research when I have this letter it is supposed to be removed COMPLETELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13 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: NC

Complaint narrative:
XXXX & XXXX would not remove these accounts from my credit after doing the online dispute and writing in my dispute. Equifax has already removed these accounts due to an insurance claim. Both of these accounts were joint accounts and the vehicles were not my responsibility : XXXX XXXX Reported : XX/XX/XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Equifax, XXXX, and XXXX would not remove these account after I requested it to be investigated by showing proof of a physical contact that I signed, per the FCRA : XXXX XXXX : Account # XXXX ******XXXX XXXX. Account # XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Equifax customer service and online dispute would not remove these inquiries. I never signed any documents stating to have these inquiries placed. <P/>XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XXXX. XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing XXXX XXXX Inquiry : XX/XX/XXXX Personal Loans Cos. XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX customer service would not remove these inquiries. I never signed any documents stating to have these inquiries placed. <P/>XXXX Inquiry : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: MD

Complaint narrative:
Hello My name is XXXX XXXX BOD XXXXXX/XX/XXXX XXXX XX/XX/XXXX My family and I were trying to obtain a Mortgage and were denied because of information that is not true on my credit report. XXXX XXXX XXXX XXXX XXXX has information of an eviction : XX/XX/XXXX record number XXXX File number XXXX XX/XX/XXXX:XX/XX/XXXX : XX/XX/XXXX : XX/XX/XXXX : XX/XX/XXXX : XX/XX/XXXX civil DISMISSAL with no money or balance owed XXXX XXXX XXXX XXXX XXXX this company does not exist but is on my credit. <P/>I have even called XXXX XXXX County XX/XX/XXXX XXXX XXXX XXXX and XXXX XXXX XXXX General District Courts XXXX XXXX XXXX and the Attorney General office stated there are no balance and these items should not be on my credit report. <P/><P/><P/><P/>These allegations and judgements are lessing our chances of obtaining financing to purchase a home. as we all know how hard times are to buy a home in this day and age. <P/>These records were obtain by XXXX XXXX # application XXXXXX/XX/XXXX XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: CL Holdings LLC
State: IN

Complaint narrative:
I just picked up papers from post office regarding a judgement against me from XXXX XXXX. I attended school and graduated in XX/XX/XXXX to XXXX which is now closed down due to mismanagement of student funds. I was not aware that I even had private loans until after i graduated. Many students that attended this school was not aware of the private loans either and some students such as myself did not even get any funds that were left over after term was over. The school was to give unused funds back to XXXX XXXX or give to students but did not. At one point i was paying XXXX XXXX {$100.00} per month automatically from my checking account, then one day they stopped and honestly i thought it was because of all the mess that was surrounding the closing of the school. XXXX XXXX sold my loan to Jefferson Capital a collection agency, and I had never received any correspondence from them until last week. I 'm already overextended financially and with cost of living and other student loan payments. I work for a XXXX XXXX XXXX  and some of my student loans are in the loan forgiveness program because of where I work and there are some student loans I have to pay because they did not qualify for student loan forgiveness and they are also federal loans. So I have contacted Jefferson Capital and I have like 20 days to to set up a payment plan, pay off or get judgement placed on my credit, then sued. I do n't know what to do or if those student loans from XXXX are even forgivable or dismissable. Although motion was filed by Jefferson Capital on XX/XX/XXXX, I did not received notification until a week ago

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: ACS Education Services
State: VA

Complaint narrative:
I started at XXXX XXXX College in 2002 in XXXX VA. They made me use my parents income even though I did n't even live with them. Some how I ended up with 4 separate loans and I had no ideal what I was getting myself into back then. The loans went to ACS first which is the company that used my social security number to obtain a loan through XXXX XXXX XXXX without my permission. They took that money and paid the government loans off and began adding interest. After several years they passed the loans onto XXXX and added more money.Now XXXX is telling me that I still owe the government and that As of now I owe them XXXX in accrued interest. And every payment made has to go to the interest and fees first before the principal amount that was originally borrowed. Thats so that they will still have a large loan amount to add interest to because if the loan amount were smaller that would be less interest for them to add. It is totally unfair to have to pay XXXX XXXX for money that I did not borrow. I 've ask XXXX for a copy of the promissory note that they claim I signed but I still have not received any proof. Also I called XXXX XXXX College for proof and they have changed names since 2002 and do n't have any information on me because they said that they did n't scan documents back then but they maybe able to find something signed in some storage place where they send old files but maybe not. It 's a complete scam from both XXXX XXXX and XXXX and ACS. They are trying to collect money that is n't owed. I dont know what to do! I need help with this to get these loans removed and to file a law suit if possible. And as far as ACS taking a loan out with XXXX XXXX XXXX with my Social Security Number is complete fraud. They said it was an electronic signature. I bet it was because It was n't me. If it takes giving this degree back to XXXX XXXX College thats fine with me. It 's useless anyway since they 've changed names twice and ripped so many people off. I have never once use the so called degree. I just want my life back. At this point I ca n't get a car loan or a home loan do to my credit being destroyed by these schools loans. If I owe XXXX in accrued interest that is the same amount of my fourth loan with XXXX so Technically I should n't have a fourth loan. I 've paid what I owed over these 15 years a long time ago. Please help me prove that XXXX ACS and XXXX XXXX College have committed fraud against me and probably many others. Thank you for any help that you can provide and XXXX Bless.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13 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: MI

Complaint narrative:
I contacted Equifax on numerous occasions via telephone in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I also disputed multiple inaccurate inquiries online and via US Mail. They replied each time that all inquiries are factual when in case they are not. I have a fraud alert on my credit report and unauthorized inquiries that I absolutely did not authorize after several failed attempts with Equifax they have not deleted any of the inquiries. I am trying to purchase my first home and having so many inquiries on my report is slowing down the purchase process.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANKUNITED, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I was given a counterfeit XXXX dollar bill by my bank and the bill was held by my other bank. I made a withdrawal from my Bank United branch on XXXX XXXX in XXXX and made a deposit to the XXXX on XXXX XXXX in XXXX XXXX. Bank United never replaced my money due to their having accepted a counterfeit XXXX dollar bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TENET HEALTHCARE CORPORATION
State: AL

Complaint narrative:
I have had the unfortunate experience of having an account that was previously deleted from my credit file re-inserted in direct violation of the Fair Credit Reporting Act.  611 ( a ) ( 5 ) ( b ) ( i ) ( A ) " the information may no t be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate ''. The account was originally deleted with SYNDICATED OFFICE SYSTEMS, it was reinserted to my credit file without " certifying that the information is complete and accurate. I request the account be immediately and permanently deleted from my credit file as these violations of the FCRA are negatively affecting my ability to purchase a home. These are clear violations of the FCRA, I ask that my request for deletion be expedited. Thank you for your consideration.

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