vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-02 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:
A year ago, my husband XXXX was diagnosed with XXXX XXXX XXXX XXXX XXXX. 
We have worked long and hard to build an exemplary credit history and had a strong credit score of XXXX. We had no late payments and no negative reports. As part of my husbands preparation for treatment, knowing that he wouldnt be able to manage our finances regularly, he set up automatic payments on our {$4500.00} XXXX credit card debt, amounting to {$150.00} per month ( above the minimum ), to continue until he was able to return to health and make further arrangements. 

Unfortunately, without our knowledge, interest on our debt increased and our pre-arranged payments no longer covered our monthly obligation. Thirty- and Sixty days late charges began to accumulate, and as a result, our XXXX XXXX dropped to XXXX4. XXXX XXXX recorded our dropping score, but didnt reflect any issues with XXXX. The cause of the decline was, at first, a mystery. 

As soon as we learned about this situation, just over two weeks ago, we called XXXX to resolve the issue and make arrangements to pay off the balance. We were told the debt was out of their hands and had been sent to collections. 

We spoke to our local branch manager, Mrs. XXXX XXXX, who understood our situation and attempted to solve the problem. She explained our predicament to a relevant supervisor, only to face the same response : We cant do anything. 

Though we can provide proof that we never missed a payment, our credit remains severely damaged. Again, our credit shows no late payments. In fact, our credit report shows no late payments from any of 15 other creditors. Only an insane person would pay everybody else and disregard one creditor. After working years to establish perfect credit, our compromised credit score means we can not refinance our home or pursue our life plans. The direct impact on our lives, however, is far more fundamental. 

Our efforts toward establishing perfect credit are part of our dream to establish a family. I have recently found out that I cant have children of my own. We have been working with the XXXX XXXX adoption agency in XXXX XXXX to adopt a child, that is my life long dream. I was born in XXXX as my father was U.S. Military and my mother XXXX. This low credit score will disqualify us from adoption.

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 2019-04-02 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: NY

Complaint narrative:
I REQUESTED AND DISPUTED 1 FRAUDULENT ITEM ON MY EQUIFAX FILE TO BE REMOVED AND BLOCKED WHICH IS XXXX ACCOUNT XXXX. INSTEAD EQUIFAX HAS EVERY ACCOUNT ON MY FILE REPORTING IN DISPUTE. THIS WAS NOT REQUESTED BY ME IN ANY LETTERS SENT TO EQUIFAX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 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: OR

Complaint narrative:
XXXX XXXX  XXXX is reporting a late on my account. I have never been late on this account. At this time my account was in deferment. I did not realize this late was on my credit until I checked my credit file. This late on XX/XX/2016 is inaccurate and needs to be removed.

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 2019-04-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My name is : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX City, State, Zip Code : XXXX Georgia XXXX Date : XXXX XXXX To the Complaint Department Name : Equifax, XXXX or XXXX I am writing to dispute the following information in my credit file. 

The item at XXXX XXXX in the amount of {$770.00} is incorrect. I have never opened an account with this source or company. I have never lived at the address in XXXX. 
I am requesting that the item be removed to correct the information. 

Also I was just notified about a {$300.00} bill for XXXX XXXX XXXX  I honestly dont know what is going on but its stopping me from moving into my apartment I have a XXXX XXXX old daughter and its cold outside and Im trying to get her in a worm environment please help me Best regards, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-02 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: CT

Complaint narrative:
On XX/XX/XXXX I filed a complaint with Experian about inquiries that were on my credit profile. Instead of the company clearing up this matter, they decided to ignore my request to validate the inquiries. They insisted that I had to follow up with the companies because the companies were the ones who placed the inquiries on my account. I told them that I was filing a dispute about their reporting and that it was their responsibility to make sure that the inquiries that they were reporting should be validated on their end. They chose to ignore my request for validation. I followed up with a second letter on XX/XX/XXXX asking them again to validate the inquiries but they chose to not validate the accounts and Instead place a fraud alert on my credit profile instead of doing their jobs and completing the investigation. I am concerned with the validity of these inquires on my credit profile and it represents a serious error in their reporting on my credit profile. 

Both letters were sent via certified mail and the signature receipts are attached to this as well.

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 2019-04-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On Thursday XX/XX/XXXX I received a text from my former husband that somebody had left two messages on his voicemail for me. The message stated he was from process service dispatch and was trying to deliver XXXX XXXX court ordered summons to my address. He also gave case number and phone number to contact. 
Later that same day I received a voicemail from a private phone number that stated he had made contact with the receptionist at Human Resource Dept at my place of employment. I called HR department and spoke to receptionist to see if any documents were left there for me. Receptionist told me he did not show up there in person that he had called and wanted to know the procedure for getting me to sign for documents and asked if I would be able to personally sign for them. She told him I did not work in that building and would not be available to sign. He left his contact information for me to call him. 
I then called XXXX XXXX to see if I had a court date and time. Court clerk told me I did not. 
On Friday XX/XX/XXXX I received a voicemail from a private number with same message. 
Also on Friday XX/XX/XXXX he called another department at my place of employment asking for me and left his contact information. At this point the Director at my place of employment is thinking I have a criminal record and she called XXXX XXXX XXXX XXXX to inquire the nature if the phone calls. XXXX XXXX. tells her they are not trying to contact me. A Deputy then calls the contact information that had been left. He tells the Deputy that this is a debt collection firm and that it would be better if I called myself. 
On Monday XX/XX/XXXX I called the contact information and told man who answered phone that I was returning their phone call. He said he was transferring me to credit department and that more than likely they would be at lunch and to leave message and somebody would get back to me. Later that day a man left message on my voicemail with a different phone number to contact. 
On Tuesday XX/XX/XXXX I called the new contact phone number and spoke to man. He told me he was trying to collect a debt on an account that has been closed since XXXX. I repeatedly asked for written documentation of the debt and he wanted to fax or e-mail it to me. I told him this is the first time I had been made aware of the debt and was not comfortable giving e-mail info and want written documentation. He told me sending document by mail would take too long and that is how some people buy time and he is writing on my case that I am hiding from debt ; refusing to pay and that they would be garnishing my paycheck and my bank account and would see me in court and HUNG UP ON ME.

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 2019-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Atlantic Union Bankshares, Inc.
State: NC

Complaint narrative:
Regarding XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Virginia  Now union bank and trust I sent a letter into the office of comptroller for currency in late XX/XX/XXXX regarding this existing problem They sent me correspodence on XXXX XXXX via email that they had referred my situation to the cfpb but no record of it on my file Regarding accountability of where my deposited funds are located or was sent or transferred. 
I have check the unclaimed division s of the US treasury no record of the accounts being sent to them In XXXX I deposited XXXX XXXX XXXX   proceed check from the sale of my residence at XXXX XXXX XXXX XXXX XXXX Virginia XXXX XXXX XXXX XXXX XXXX XXXX At the time I handed my proceed check of XXXXXXXX XXXX  to the XXXX XXXX  manager on duty. 
She said we are rich? Whatever that meant.. 
Plus I deposited approx XXXX XXXX XXXX from XXXX ( From XXXX XXXX  XXXX checks from a car accident in XXXX XXXX while at work at XXXX XXXX ) In XXXX north Carolina close to where I lived at XXXX XXXX XXXX XXXX Virginia Off of XXXX XXXX. And XXXX XXXX I went to get some of my monies and I was told I had no account in approx XXXX I have called I gave sent letters to XXXX XXXX XXXX And numerous emails to XENITH Union bank XXXX XXXX  XXXX XXXX And of recent I spoke to XXXX at Union Bank and trust on XXXX XXXX And he said he was going to transfer the details again to their servicing department to SEARCH for where my funds went. still no response to date I recently sent A sworn notarized statement to bank of XXXXXXXX XXXX Attention XXXX XXXX XXXX XXXX XXXX Virginia Stating under oath that I did not receive any monies back from the XXXX XXXX proceed check account No response

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 2019-04-02 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: Mercedes Benz Financial Services
State: CA

Complaint narrative:
MERCEDES-BENZ FINANCIAL SERVICES Account number XXXX REPORTING A PAST DUE BALANCE AND ACCOUNT IN CHARGE OFF WHICH IS NOT TRUE.. AND VIOLATION OF F.C.R.A. RULES AND REGULATIONS. 
I WAS NEVER LATE ON THIS LEASE AND WAS NEVER PAST DUE. THEY OFFERED TO WAIVE FINAL PAYMENT AND FEES IF I LEASED ANOTHER VEHICLE BEFORE THE LEASE WAS UP. I DID BUT THEY MISREPORTED THIS ACCOUNT TO THE BUREAUS AS A NEGATIVE IT IS NOT TRUE ... PLEASE HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 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: Westlake Services, LLC
State: NY

Complaint narrative:
From : XXXX XXXX XXXX [ mailto : XXXX ] Sent : Tuesday, XX/XX/XXXX XXXX XXXX To : WestlakeCustomerCare XXXX Subject : false information sent to credit report My name is XXXX XXXX acct : # XXXX I had a SUV financed with your company. It was payed off on XX/XX/XXXX I contacted your company via email and phone got no rely on this being up dated with credit companies. Disputed it with credit companies XX/XX/XXXX it ended on XX/XX/XXXX information you sent them for in between these dates was that I still owed your company over {$9200.00} when the balance was 0 for more than 30-45 days will be filing complaint with every dept. and every review site I can find will also be  contacting my senators office. Until I find someone that understands that Im XXXX  and on fixed income and that your company by refusing to update accounts force people to stay with you. Do I need to explain how illegal of a practice this is. 
From : XXXX XXXX XXXX Sent : Tuesday, XX/XX/XXXX XXXX XXXX  To : XXXX XXXX XXXX Subject : RE : false information sent to credit report XXXX XXXX   XXXX , Westlake reports our accounts once a month to all 3 CRAs, once they are submitted, it could take each CRA up to 60 days to update their records. Per our records, your account is paid in full as of XX/XX/XXXX. 

XXXX XXXX Compliance Manager Direct : XXXX Fax : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX XXXX 0n XX/XX/XXXX you updated my accounts due to dispute with all three CRAS with the following information that my account balance is {$9200.00} and the updated date was XX/XX/XXXX now understand this is a dispute when you answer to it all information is changed automatically. Now further more on XX/XX/XXXX you updated my account again to show a balance of {$9100.00}. now there is a new dispute sitting at your company labeled XX/XX/XXXX waiting to be taken care of I also have not received my letter of payed in full from your company that I was to receive in 30 days from date of payment in full. Requested this again yesterday they sent a pay off letter. I requested it again today still have received nothing. So in short you may be reporting every thirty days but it is false information hurting me and my pursuit of happiness. Again all information is in Ive been dealing with XXXX XXXX not XXXX. 
Post script I also left you a voice mail and if I dont hear back will try again. 
t which I was told contact the customer services dept. and I replied Im sorry XXXX but customer service has already told me that they dont handle this to email the site and I would like to know what is going to be done about this sense you havent complied

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 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: CA

Complaint narrative:
This account is in forbearance, and it was agree that the item would show as current on my credit report and there would be no late payments. 

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 2019-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I went to TransUnion solely for my free credit report. It asked for a bunch of personal information, including my credit card number, and I assumed this was just to verify my identity. Now they are charging fees to my credit card and I've had to report it as fraud to my bank and lock my credit card.

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 2019-04-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I recently pulled my credit report and discovered that my mortgage account with XXXX XXXX XXXX is reporting my account as being adverse and delinquent when it is not. 

According to XXXX XXXX  XXXX letter dated XX/XX/2019, the account has never been late and they claim it is being reported accurately. However, when you look at my credit reports, the XXXX XXXX XXXX account is being reported as delinquent every month by all of the credit bureaus, when it is not. It is also listed in the " Adverse Accounts '' category of the credit report. 

Ive repeatedly asked XXXX XXXX XXXX to fix this problem by removing the wording in the remarks section. In the remarks section for each and every month, XXXX XXXX XXXX writes, BANKRUPTCY DISMISSED. By making this adverse notation, it incorrectly appears that I am filing for bankruptcy each and every month, which is not the case. This adverse remark should not be appearing on my XXXX XXXX XXXX account at all. They had nothing to do with any bankruptcy. It is also being reported as one month late when it is not. Consequently, the XXXX XXXX XXXX account is showing the account as delinquent when it is not. 

I never had any late payments prior to or after this time period. I am requesting that XXXX XXXX XXXX delete the remarks on my credit report 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 explanation
Consumer complaint received 2019-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: APEX Asset Management, LLC
State: NJ

Complaint narrative:
I notified Apex Asset that I did not owe them this alleged debt. They instead reported alleged debt to all three credit bureaus, hurting my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc.
State: KY

Complaint narrative:
On XX/XX/XXXX I received a letter in the mail dated XX/XX/XXXX stating that my XXXX credit card limit was being lowered to {$190.00} due to credit score influence, high outstanding balances, limited credit experience. The credit bureau was pulled on XXXX XXXX, XXXX. The credit score states it is XXXX. That credit score is  incorrect. I am a paying member to XXXX and I can see what my credit score was in XXXX and it was XXXX. This is a new credit card for me but I have had credit cards for years so I am not sure why the letter states " limited credit experience ''. I was carrying extra debt back in XXXX but it was due to holiday shopping. Since XXXX XXXX I have decreased by debt by {$3000.00} by paying off several cards that had a balance. I dont understand how a company can use a credit bureau report from 5 months ago and lower your limit. My credit is now being negatively effected by this due to my credit ratios being increased.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Michael & Associates, PC
State: CA

Complaint narrative:
Michael & Associates has contacted both my parents asking for me and stating they are lawyers and debt collectors. I've asked them not to on their recorded phone call, they should lose their license and prosecuted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 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: Ocwen Financial Corporation
State: MD

Complaint narrative:
Ocwen Account No. XXXX I recently pulled my credit report and discovered that my mortgage account with Ocwen is reporting my account as being adverse and delinquent when it is not. 

According to Ocwen, they claim it is being reported accurately. However, when you look at my credit reports, the Ocwen account is being reported as delinquent every month by all of the credit bureaus, when it is not. 

Ive repeatedly asked Ocwen to fix this problem by removing the wording in the remarks section. In the remarks section for each and every month, Ocwen writes, BANKRUPTCY DISMISSED. By making this adverse notation, it incorrectly appears that I am filing for bankruptcy each and every month, which is not the case. This adverse remark should not be appearing on my Ocwen account at all. They had nothing to do with any bankruptcy. It is also being reported as one month late when it is not. There should be no late reporting. Consequently, the Ocwen account is showing the account as delinquent when it is not. 

I am requesting that Ocwen delete the remarks on my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Chrysalis Holdings LLC
State: FL

Complaint narrative:
I am on mailing list for the company New Day USA. I have written customer service and called many times to have my name removed. I still get daily mail from these guys.

Company response to consumer: Closed with explanation