vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-26 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: MD

Complaint narrative:
I think someone tried to use my information to purchase credit cards. And Im not the person that applied for it. I would like to have all inquiries that i didnt put on my credit report deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26 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: MD

Complaint narrative:
I think someone tried to use my information to purchase credit cards. And Im not the person that applied for it. I would like to have all inquiries that i didnt put on my credit report deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26 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: FL

Complaint narrative:
an inquiry was added to my account and I didn't apply for a credit report XX/XX/2019 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 2019-08-26 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: Experian Information Solutions Inc.
State: OK

Complaint narrative:
My spouse and I filed a chapter XXXX bankruptcy in XX/XX/XXXX which did NOT include our home mortgage to XXXX XXXX. Since that time, we have made several complaints to have them repair our credit reports regarding how they have reported our mortgage. The account is current and we have NEVER had a late payment. They have fixed all of the credit reports for my husband ONLY. The following is how they are reporting to the three credit reporting agencies for myself ( we are joint owners of the loan, so they should be exactly the same ). 
XXXX shows me with zero open mortgage loans. 
XXXX shows me with zero open mortgage loans. 
Experian shows me with XXXX XXXX XXXX XXXX   closed, included in a chapter XXXX bankruptcy and a failure to pay in XX/XX/XXXX. 
I received a letter from XXXX XXXX dated XX/XX/XXXX with the following statements : " We've determined the account was handled properly and no corrections are needed as no error has occurred. '' " We've determined that we provided accurate information to the consumer reporting agencies and will not be making any adjustments ''.

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 2019-08-26 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: World Acceptance Corporation
State: KY

Complaint narrative:
I opened this loan in XXXX XXXX, KY XX/XX/XXXX. I lost my job XX/XX/XXXX and could not make the payments. Can WFC really report a 17 month charge off period with 120 day late payments? But the major issue is the past due amount increases from $ 50-75 dollars each month it is reported on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: VA

Complaint narrative:
Over the last 15 years I have held a conventional XXXX XXXX 30 fixed home mortgage. Within the last year XXXX XXXX has begun outsourcing the payment collection process to Specialized Loan Servicing ( SLS ). For well over the last 10 years I have had autopay service through my primary bank. My bank ( XXXX XXXX ) ensures that my monthly payment arrives by no later than the XXXX of each month. For over 10 years XXXX XXXX had been able to process my mortgage payment on time with no issues. Since SLS has taken over payment collection I have had five late fees added to my account. Each time a late payment is posted I would have to call customer service and have them reverse charges once they see that the payments did indeed arrive on the XXXX. 
I believe SLS is committing fraud by charge illegal late payments. My mortgage states clearly that I have until the XXXX of each month to make my payment. My bank ( XXXX XXXX ) has been successfully sending auto payments to XXXX XXXX, SLS and many other lenders ( cars, credit cards ) for more than 10 years. Unfortunately, now SLS is charging me late fees because they can not process payments in a timely manor. 
I would like CFPB to look into SLS fraud and have SLS immediately stop charging me late fees when my payment is received by the XXXX of each month and credit my account for all current late fees.

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 2019-08-26 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
To It May Concern : Few months I applied for XXXX XXXX credit car and the XXXX XXXX issue by CITYBANK. 
once I received my rejection on the regular mail. 
I opted to call CITYBANK and I asked to speak to a manager. 
There were no managers available and my call ended up somewhere in XXXX. 
the City Bank 's XXXX rep told me that I the reason it was denied according to CITY BANKS Collection via XXXX I have filed for Bankruptcy in 2000. 
I explained that is not even possible since I just file for a non conventional loan to a conventional loan and if that would or was the case, my current loan would not be possible. 
the I ask to speak to a CITY BANK  manager in the U.S.A. and I was told that my BK was not anymore in any credit agency. 
I told City Bank  manager that why ; If I had filed for Bk why is it still posting since I according the XXXX XXXX City Bank Bk was file 2000? 
The last week I received an invitation to apply and again, it shows that I have filed for BK? 
this is erroneous information and being reported by City Bank and their collection firm in 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 2019-08-26 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:
XXXX ; XXXX and Transunion are reporting incorrectly a charge-off in the amount of {$7100.00} on the XXXX XXXX account number XXXX. ( Please see page 2 attached from my credit report. ) This vehicle was in a car accident and the insurance company paid off the remaining balance due and therefore there is no outstanding balance to report and/or charge off. This incorrect reporting of a charge-off 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, 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 2019-08-26 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:
XXXX ; Experian and XXXX are reporting incorrectly a charge-off in the amount of {$7100.00} on the XXXX XXXX account number XXXX. ( Please see page 2 attached from my credit report. ) This vehicle was in a car accident and the insurance company paid off the remaining balance due and therefore there is no outstanding balance to report and/or charge off. This incorrect reporting of a charge-off 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, 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 2019-08-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
In XX/XX/XXXX, I was a victim of identity theft - Once the FTC reported the theft to all of three credit bureaus some of the creditors put a freeze on my account until I verified my identity with them - except for Bank of America. 

I've been a member since XXXX and I've had my credit cards since XXXX one card was $ XXXX and $ XXXX I've never been late and still making all my payments on time. Although Bank of America has not closed my accounts, they have lowered my credit lines to my balance which is ultimately effecting my debt ratio. 

When I went to the bank to show my identity, I was told I must re-apply for these already established credit lines which will add unnecessary inquiries on my credit file. 
These are unfair banking practices and although I have great credit I don't believe I should be required to reapply. 
I would like for Bank of America to reinstate my credit lines immediately. 

Thanks,

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 2019-08-26 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: Credit Plus Inc
State: MD

Complaint narrative:
Upon reviewing my credit report I've multiple inquiries that were not authorized by me. The unauthorized inquiries are as follows : Credit Plus. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX XXXX. XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26 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: BB&T CORPORATION
State: MD

Complaint narrative:
Upon reviewing my credit report I've multiple inquiries that were not authorized by me. The unauthorized inquiries are as follows : XXXX XXXX. XX/XX/XXXX Bb & T XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX XXXX. XX/XX/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 2019-08-26 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
ALL 3 " CRA '' CONTINUE WILL NOT UPDATE FILE AND ADD MISSING ACCOUNTS TO CREDIT FILE ... XXXX XXXX XXXX # XXXX AND XXXX XXXX XXXX # XXXX ... MISSING INFORMATION ON CRDIT REPORT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
ALL 3 " CRA '' CONTINUE WILL NOT UPDATE FILE AND ADD MISSING ACCOUNTS TO CREDIT FILE ... XXXX XXXX   XXXX # XXXX AND XXXX XXXX XXXX # XXXX ... MISSING INFORMATION ON CRDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
ALL 3 " CRA '' CONTINUE WILL NOT UPDATE FILE AND ADD MISSING ACCOUNTS TO CREDIT FILE ... XXXX XXXX   XXXX # XXXX AND XXXX XXXX XXXX # XXXX ... MISSING INFORMATION ON CRDIT REPORT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: ACS Education Services
State: KY

Complaint narrative:
I have tried multiple times over the past 3 months including today to contact this company, they purchased my student loan from ACS and they have entered some wrong information into the NSLDS that is preventing me from recertifying for my IBR. I can not reach anyone EVER! This can cause my loan to go into default which would negatively effect my credit that I am trying to rebuild!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC.
State: IL

Complaint narrative:
I have absolutely no knowledge as to who this company is that put a collection on my report. This was a past due account with XXXX that I paid in full directly to XXXX. This collection should have never been placed on my report as a collection as it was a delinquent XXXX bill that I paid directly to XXXX on XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Some time on or about XX/XX/XXXX. I request a copy of my report from XXXX XXXX XXXX XXXX And they issue a report from a bank capital one 360 this account was open in XX/XX/XXXX cause to there report. bank rounding # XXXX account # XXXX. they need to verified this information and validation this. if not they need to remove, this account has a XXXX balance for over 12 year,. in XXXX iWars in XXXX in XXXX XXXX   XXXX  XXXX XXXX XXXX XXXX   XXXX. al. and was release XXXX XXXX. capital one need to send me notice of the remove from my file. second met the XXXX XXXX XXXX account XXXX they got account overdrawn seven in year with a XXXX balance paid in full the fact incorrect bbt as of XX/XX/XXXX paid close as my request XXXX need to correct the incorrect. there is no miss used of this account. XXXX & XXXX  XXXX   XXXX. This information inaccuracy report on my report XXXX XXXX XXXX XXXX ( XXXX ) they need to validation this neg. information by submit proof. if not need to rquest that XXXX XXXX XXXX XXXX remove it ASP.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26 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: LA

Complaint narrative:
XXXX XXXX is reporting to Equifax that I have had 3 late payments. I paid the account in XX/XX/XXXX and they are reporting that I have had a miss payment in XX/XX/XXXX and XX/XX/XXXX also XX/XX/XXXX. Its no way if I paid off account in XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
Post moving out of apartment complex " XXXX XXXX '' on XX/XX/2016 owned by " XXXX XXXX '' i received an invoice due for charges obtained from cleaning or damages to the apartment. The charges where paid in full. XXXX still sent this debt to collections and i have left 5 voicemails and waited 5 times the time they promised i would hear back in. There is no way to get a hold of the company. i have also emailed them through there website as well as the manager and regional manager and still no response. 
This has now made it ( so far ) impossible to rent another place even with perfect rental history and verification. I would like this to be removed from my credit. It should have never even made it to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have a Delta Airline American Express Card, I used the card last year and was charged {$95.00} Fee, I have not made any purchases since last year and made payments every month. I was charged {$95.00} fee again this month. I called they told me I will not get any millage credit, I cancelled my credit card and asked to get credit for {$95.00} fee, they said it will take 45 days to get credit. I am a senior citizen, I don't think I should pay over 21 % interest rate on membership fees. I will contact congresswomen XXXX XXXX if I don't get credited right away.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26 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: EQUIFAX, INC.
State: NY

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-26 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
On or before XX/XX/2018, I sent out a registered mail to the following companies who was working on behalf of ( CACH LLC ) RESURGENT CAPITAL SERVICES and XXXX XXXX XXXX, XXXX. 

I requested each to produce all documents evidencing their right to act upon the conditions to collect such debt and produce all documents evidencing showing breach of any condition of the promissory note tendered by me. 

I was in need of a paper trail tracked all the way back to the original lender with no gaps in the chain of custody. No one could provide me with the information I was requesting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
in XXXX after several high profile data breaches I decided to freeze my credit reports with all 3 major agencies. On attempting to place the freeze with Experian, after entering all information online, I received notice that they were unable to place the freeze " based on the information I entered. '' Now, in XX/XX/XXXX I am attempting to apply for a new credit card. I was denied and instructed to contact all three reporting agencies to find out why they were not supplying the needed information for the application. I tried calling Experian and it is impossible to speak to a human to resolve the issue. I did try the automated credit freeze lift, but could not do it without a PIN that they were supposed to have sent when I placed the freeze. Well, since the freeze was never actually, technically placed ... I never received a PIN. I did try the online PIN retrieval tool in case that worked, but all that happened was a message that they were unable to help me online. No online tools or automated phone tools apply to my situation, but it is impossible to reach a live human. I have tried all numbers that are published online, pressing 0, asking for an operator, everything. 

The only option I have is to send a paper letter. Which I will do ... however, I'm doubtful that will help at all since they seem to be confused about whether or not I actually have a credit freeze on.

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