vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-24 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
XXXX XXXX XXXX XXXX # XXXX is reporting a late in XX/XX/19 that I should not have. I was not late as I took the payment into the store and paid in person. I don't know why it was put on my account as a late as I went in and paid it before it should have been late. I can only conclude it was an error on their part and was not my fault.

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 2019-09-24 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: UT

Complaint narrative:
XXXX XXXX XXXX XXXX # XXXX is reporting a late in XX/XX/19 that I should not have. I was not late as I took the payment into the store and paid in person. I don't know why it was put on my account as a late as I went in and paid it before it should have been late. I can only conclude it was an error on their part and was not my fault.

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 2019-09-24 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: CA

Complaint narrative:
XXXX ; XXXX and Transunion are reporting incorrectly that I am ( 120 ) days late on the XXXX account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account that has a {$0.00} balance. This incorrect reporting is harming my cXXXXedit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this line item however, I have not been successful.

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 2019-09-24 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:
XXXX ; Experian and XXXX are reporting incorrectly that I am ( 120 ) days late on the XXXX account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account that has a {$0.00} balance. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this line item however, I have not been successful.

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 2019-09-24 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: NJ

Complaint narrative:
I need help I have bankrupcty on my credit and I never filed bankruptcy I never lived at XXXX XXXX XXXX XXXX XXXX. I never had a XXXX XXXX, XXXX, XXXX  XXXX XXXX, XXXX, 2 bankruptcies are reall hurting me. I contacted the courts they said the dont give out information or credit information. I demand this be removed from my credit report. I believe its racially motivated I have a feeling when I call they brush me off. I have a deep XXXX accent. I work 80 hours a week Please help remove this information from my report. Please

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 2019-09-24 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: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
I applied for credit in XXXX, I was told by the finance company I had a negative reporting on XX/XX/XXXX by Portfolio Recovery Associates appear on my credit report. so I pulled my credit report XX/XX/XXXX. This also the same month I began to dispute this item from XXXX to present XXXX this item continues to remain on my report and Portfolio Recovery Associates continue to provide false information from their XXXX XXXX XXXX and XXXX California Location.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: MA

Complaint narrative:
I was a XXXX customer for many years, but due to some unfair practices " Free Tablet offer than after receiving the free offer they turn around an charge you for it along with a monthly charge for usage. I decided to stop using their service. However, my equipment was paid for. It appears after i discontinued service they accumulated extra bills on that account and turn them over to me as debt. 
I do not owe the sprint company any money. the XXXX company sold my name IC System and the IC System reported me to two Credit agency XXXX XXXX and XXXX. 
With information obtain from XXXX service. I contacted XXXX Customer Care on  XXXX XXXX an the Rep. could not get access nor verified any information regarding that claim. I contacted XXXX XXXX and XXXX credit Bureau all of them fail to help me. I need HELP because the greed and unfair practice of XXXX have place my credit freedom on HOLD for far too long ... XXXX,, Help Please Thank you

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 2019-09-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
My bank is Bank of America. My name is XXXX XXXX. Me and my husband found a room for rent on XXXX. The seller said that they owned the property but they lived in another state. We had to send them the security deposit and then they would send us the keys and give us a tracking number. We XXXX 'd this person the security deposit which was XXXX XXXX They gave us a tracking number to a website called XXXX which showed progress of being mailed but turned out to be fake. I'm furious because we tried sending this person the money the first time and it didn't go through. We thought we didn't put in the information right at first but we later learned from the bank that this person tried one bank which was apparently flagged for suspicious activity and then when we tried to send the money the second time it went to a different bank and it went through. I thought banks share information with each other i mean i can't even start a bank account if i owe a DIFFERENT bank money.

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 2019-09-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
The account is reporting inaccurate information. It is reporting Chargeoff but there is a monthly payment reporting. Also, the date last active on all 3 bureaus are different. XXXX  is reporting XX/XX/2018, XXXX   XX/XX/2018 and XXXX XX/XX/2018. All 3 should report the same date if not it means the information is incorrect. 

Lastly, there should be no late payments reported once the account is closed and I see the payment history listed with repetitive CO marks which is a violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24 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: UT

Complaint narrative:
XXXX XXXX # XXXX is reporting two lates on my account in XX/XX/19 and XX/XX/19 that should not be there. My ex wife missed the payment and I was never notified from XXXX XXXX that there were any lates, I didn't even know I was on the loan. As soon as I found out about the lates I went and paid them but they were already reporting late to my credit. This is not my fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
XXXX XXXX # XXXX is reporting two lates on my account in XX/XX/19 and XX/XX/19 that should not be there. My ex wife missed the payment and I was never notified from XXXX XXXX that there were any lates, I didn't even know I was on the loan. As soon as I found out about the lates I went and paid them but they were already reporting late to my credit. This is not my fault.

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 2019-09-24 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:
This Bk is reporting on my credit file in error and i've disputed it in the past

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-24 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: UT

Complaint narrative:
XXXX XXXX # XXXX is reporting two lates on my account in XX/XX/19 and XX/XX/19 that should not be there. My ex wife missed the payment and I was never notified from XXXX XXXX that there were any lates, I didn't even know I was on the loan. As soon as I found out about the lates I went and paid them but they were already reporting late to my credit. This is not my fault.

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 2019-09-24 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: JMD,LLC
State: CA

Complaint narrative:
I have called and called the service provider to help me audit the charges for a 6 mile  ambulance trip, but have been ignored. As an inactive XXXX I encountered billing errors over 50 % of the time ; however, this company, instead of cooperating, they send me to the credit beaureau and lower my score when I'm in the middle of a house purchase. I have found in the High Desert ; whether is a service provider or retailer, especially in the medical field, that they are ruthless, uncaring and corrupt. In fact ; the XXXX XXXX XXXX is investigating it. Since ; It took us over a year and a half to find a competent doctor! We are XXXX senior citizens. It is alarming how many service providers, including doctors and so called nurse practitioners and especially landlords they victimize the XXXX seniors and the poor. In other words ; they practice here becaseu they know that they can victimize the defensless poor and the XXXX. There are quite few XXXX poor people in this county and have no qualms in the abusers victimizing us. Therefore ; I'm trying to address so many issues of corruptions. Even the hospital here ; one of the feedback reads : " I'd rather drive 40 miles to a XXXX XXXX than go here to XXXX XXXX XXXX! ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: IL

Complaint narrative:
Since our local bank sold our mortgage to LoanCare LLC, they have TWICE failed to post payments our bank guarantees LoanCare received. In the commission of those errors, they have also attempted to assess late fees. After LoanCare made the 2nd error, we sent a certified letter with attached proof of payment to LoanCare instructing LoanCare to acknowledge receipt of our letter within 5 business days, correct the error, remove any fees associated with their error, and correctly post our payment on the date it was received within 30 days of their receipt of our certified letter. The letter provided written instructions to contact us by mail for further information they might need to correct their error. We have received neither acknowledgment of their receipt of our letter nor communication requesting additional information or time necessary to correct their error. These errors are common for LoanCare and in continuing to make the same error repeatedly are in violation of the terms of our mortgage as well as in violation of Federal law under the Error Resolution Notice Act 12 C.F.R. 1024.35.

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 2019-09-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I paid on time but youre listing me as late you need to update to paid as agreed. Please send me the docs that prove that I was ever late. I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX / XX/XX/2019 - 30 DAYS LATE??? 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: WV

Complaint narrative:
I discovered that my card had been stolen/returned to my purse multiple times, along with my drivers license, and used without my authorization. At the time this began, I had only used the card a few times. I was not traveling or out of state at any time during the fraudulent usage. I called immediately yet did not have time to review charges over the phone as I work a high demand job. I could not get access to my online data following the call because it was of course cancelled and suspended until I activated the new card. Once I was able to login and review, I called back and disputed all transactions I did not recognize. At this time, the rep that took my call was rude and criminalized me as opposed to assisting me professionally. In addition, the investigator that called me was very rude and pushy. I am not able to spend 30-45 minutes at a time on phone calls with your representatives going over the same questions and information multiple times. The process is terribly redundant and wasteful as well as a burden on your customer that has been the victim of fraud and identity theft. At this point, it has been three months, I have been treated extremely rudely, criminalized for being a victim of fraud and identify theft. My claim of fraud was denied saying the charges were within my regular spending pattern. I literally had the card two months before this happened and only used a few times so I had no spending pattern developed. Total amount of fraudulent transactions is {$830.00} PLUS INTEREST.

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 2019-09-24 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: NJ

Complaint narrative:
I need help I have bankrupcty on my credit and I never filed bankruptcy I never lived at XXXX XXXX XXXX XXXX XXXX. I never had a XXXX loan, XXXX, XXXX XXXX   XXXX, XXXX, 2 bankruptcies are reall hurting me. I contacted the courts they said the dont give out information or credit information. I demand this be removed from my credit report. I believe its racially motivated I have a feeling when I call they brush me off. I have a deep XXXX accent. I work 80 hours a week Please help remove this information from my report. Please

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 2019-09-24 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: NJ

Complaint narrative:
I need help I have bankrupcty on my credit and I never filed bankruptcy I never lived at XXXX XXXX XXXX XXXX XXXX. I never had a XXXX loan, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, 2 bankruptcies are reall hurting me. I contacted the courts they said the dont give out information or credit information. I demand this be removed from my credit report. I believe its racially motivated I have a feeling when I call they brush me off. I have a deep XXXX accent. I work 80 hours a week Please help remove this information from my report. Please

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: LOBEL FINANCIAL CORPORATION
State: CA

Complaint narrative:
I reached out a couple times over the years to explain to them that the car was my ex spouse and when he left me he took the car so I would like to set up a payment plan and they take it off my report

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: KY

Complaint narrative:
I am writing in regard to ongoing problem Citibank transfers totaling {$16000.00}. 

I have one savings and one checking bank account with Citibank and a checking account with the XXXX XXXX  XXXX XXXX XXXX XXXX ( XXXX ). On Sunday, XX/XX/2019 I used Citibank 's website to create two transfers from XXXX to Citibank. The first was for {$15000.00} from my XXXX checking account to my Citibank savings account and the second was for {$1000.00} from my XXXX checking account to my Citibank checking account. On Monday XX/XX/2019, a the transfers appeared on my XXXX statement, both as withdraws to " ACH Withdrawal CITIBANK , N.A . ". No corresponding deposits were made to my Citibank accounts during the following days. On Friday XX/XX/2019, I spoke by telephone to account manger XXXX who explained to me my transfers " should '' be complete by XX/XX/XXXX. The same day, account manger XXXX told me Citibank had no record of the transfers being requested. On XX/XX/2019, I contacted XXXX, and asked for the trace numbers for the ACH transfers. I provided these numbers to a Citibank representative who told me they have no record of these transfers. I then requested that XXXX reverse both transfers. I am now waiting to see if Citibank will return these ACH transfers. I am hoping that by contacting you, you can help sort things out in case Citibank disputes the reversals.

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 2019-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
*****BEWARE EXPERIAN ARE THIEVES, DONT USE CREDIT MONITORING******** *****BEWARE EXPERIAN ARE THIEVES , DONT USE CREDIT MONITORING******** Hello, Compliant Against : Experian Credit Monitoring Cancellation Service I did a free trial for the Service about a year ago, I have been 9 months attempting to cancel the service ... I have even gone to the extent to Report my credit card stolen and been issued new cards with new numbers and they continue to bill my account. I have attempted to cancel via ALL the experian contact methods. Experian website has the following contact info to cancel but no one person answers and their automated system is unable to cancel. They say login to your experian credit monitoring account and go to member services and you should be able to cancel, ONLY to find that instead of cancelling they want you to upgrade. In the name of our Great President Mr. Trump " VERY VERY '', FRUSTRATING! I need help because these people at experian at this point are just a bunch of thieves because they have no intent to allow the consumer to cancel the service via phone or internet. PLEASE HELP! SOS! 
EXPERIAN CONTACT WHICH DOES NOT WORK XXXX Hours of operation : Mon - Fri : XXXX XXXX - XXXX XXXX PT Sat - Sun : XXXX XXXX  - XXXX XXXX PT *****BEWARE EXPERIAN ARE THIEVES, DONT USE CREDIT MONITORING******** *****BEWARE EXPERIAN ARE THIEVES, DONT USE CREDIT MONITORING********

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