vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-30 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: WA

Complaint narrative:
On XX/XX/XXXXXXXX  our mortgage account with XXXX XXXX was brought current through XX/XX/XXXX with a {$15000.00} payment. On XX/XX/XXXX another payment of {$1600.00} was made and received to bring our account current through XX/XX/XXXX. 

The Mortgage company and all three credit reporting agencies XXXX XXXX, Trans Union, XXXX  XXXX are showing XX/XX/XXXX as XXXX days past due. This is incorrect. I have attempted multiple times to dispute this information and to have the account updated to reflect the actual payment history to be current in XX/XX/XXXX. 

The unwillingness to correct their records is keeping me from being approved for a loan.

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 2020-09-30 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: WA

Complaint narrative:
On XX/XX/XXXX our mortgage account with XXXX XXXX was brought current through XX/XX/XXXX with a {$15000.00} payment. On XX/XX/XXXX another payment of {$1600.00} was made and received to bring our account current through XX/XX/XXXX. 

The Mortgage company and all three credit reporting agencies XXXX Equifax, XXXX XXXX, XXXX  XXXX are showing XX/XX/XXXX as 180+ days past due. This is incorrect. I have attempted multiple times to dispute this information and to have the account updated to reflect the actual payment history to be current in XX/XX/XXXX. 

The unwillingness to correct their records is keeping me from being approved for a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 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: WA

Complaint narrative:
On XX/XX/XXXX our mortgage account with XXXX XXXX was brought current through XX/XX/XXXX with a {$15000.00} payment. On XX/XX/XXXX another payment of {$1600.00} was made and received to bring our account current through XX/XX/XXXX. 

The Mortgage company and all three credit reporting agencies XXXX XXXX, XXXX XXXX, Experian XXXX are showing XX/XX/XXXX as 180+ days past due. This is incorrect. I have attempted multiple times to dispute this information and to have the account updated to reflect the actual payment history to be current in XX/XX/XXXX. 

The unwillingness to correct their records is keeping me from being approved for a loan.

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 2020-09-30 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: UT

Complaint narrative:
XXXX XXXX XXXX XXXX is reporting 30 day lates on XX/XX/20 & XX/XX/20 and I was never late. I have had an account for a very long time and I had moved so I didn't get my statement. But I called in & made a payment with a representative over the phone & set up future payments. I thought this was paid ( Even though I wasn't even working due to COVID - I still ensured I paid on time ). Once I got the notice I called immediately. You guys also closed my account after all these years and this wasn't even my fault. 
Please remove the late off of my credit file as those 2 lates were not my error.

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 2020-09-30 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: UT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX reporting 30 day lates on XX/XX/20 & XX/XX/20 and I was never late. I have had an account for a very long time and I had moved so I didn't get my statement. But I called in & made a payment with a representative over the phone & set up future payments. I thought this was paid ( Even though I wasn't even working due to COVID - I still ensured I paid on time ). Once I got the notice I called immediately. You guys also closed my account after all these years and this wasn't even my fault. 
Please remove the late off of my credit file as those 2 lates were not my error.

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 2020-09-30 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
This guy on XXXX is doing a fraud bible and he takes people information and makes money from it he did it to my friend and myself and a lot of others his username is XXXX.XXXX  and hes doing fruad and stealing identity I would like him in jail. He has stole thousands and his friends do it too

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 2020-09-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: FL

Complaint narrative:
I checked my credit report and I had a debt that was over 3 years old XXXX . When I checked the debt Enhanced Recovery Company LLC had changed the debt to 4 months old as if it was New! Now I have to wait 7 years for it to fall off my credit report! Unless Enhanced Recovery Company LLC changes there mind and change the date again!! This was my ex wife phone her responsibility to pay! And I will not pay!!! Enhanced Recovery Company LLC didn't give me any notification on the debt at all! Enhanced Recovery Company LLC should learn how to treat people and learn how to run a business!! I checked my credit report and found that a debt I had that was OLD! Was updated by ENHANCED RECOVERY COMPANY and it said it was opened 4 months ago, now I have to wait 7 more years, originally it was well over 3 or 4 years old and  only had to wait 3 to 4 years for it to come off! Now this was my ex wife 's responsibility, because I worked for the XXXX and received a discount on the phone and she didn't pay that is why it's on my credit report! I didn't have knowledge that she switched phones and didn't pay the outstanding balance. I refuse to pay because it was hers and she could afford to payed it! Didn't receive any type of paperwork, phone call or anything! This is appalling the way they do business! I'm XXXX now and was waiting for it to come off when I retire at XXXX! These people are blood suckers that get paid XXXX $ an hour! I get phone calls all the time from different places, out of state, a City that I don't know anybody, They should be closed for lying and stealing!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CNG FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XX/XX/XXXX at XXXX XXXX  I received a call from XXXX and XXXX at XXXX. It was an automated system message stating that if I did not respond immediately, I would be sued in XXXX county courts. It gave a toll free number to call back. I was not able to write or record the number as it was only stated once before the call disconnected. I called the 614 number back and spoke with a very rude individual who seemed to know everything about me including my ssn, without me saying anything more than hello. I never verified any information. He questioned me about a debt with Check-n-Go then rattled off some account and routing number that I had never heard of or recalled ever having, nor did I recognize the bank name. He started to yell and be very rude to me before disconnecting the call. I called Check-n-go and they verified there was a loan from XXXX but it was closed and didn't appear to be in default. They were able to give me the date, amount and loan number. I called the 614 number back and attempted to ask the gentleman to verify some more information for me. He told me I shouldn't have called Check-n-go without speaking with him first. He became Irate, continued to yell every time I asked a question and speak over me until I said I wanted to verify the info to make a payment then told me he was transferring me to someone else. The woman he transferred me to knew nothing about my account and could only process a payment. How could that be? She told me I would have to be transferred back to the man to verify any info. When connected back to him, I asked for a supervisor. He refused and continued to yell at me with threats til the point that I became upset and disco 'd the call. I also blocked them from calling back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 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: CAINE & WEINER COMPANY, INC.
State: PA

Complaint narrative:
On XXXX XXXX 2020, I spoke with Caine & Weiner about losing my job due to Covid-19 pandemic which caused me to not make payments. However, Caine & Weiner made an agreement with me to pay the full balance of {$670.00} for deletion from my credit report by XXXX XXXX 2020. 

On XXXX XXXX 2020, an incorrect derogatory balance of {$750.00} was placed on my credit report for the second time in which the correct balance is {$670.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EDULOAN DOCS
State: MT

Complaint narrative:
Was being charged XXXX for 32 payments for a XXXX. I am currently enrolled in PSLF and was being hoaxed by Eduloan as an addition 3rd party payer. They requested my income stubs yearly and log in information and also filed for a forbearance which was not authorized for consented by myself.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/2020, I called Capital One to request a credit limit increase. I have paid in full approximately {$100000.00} on a card with a {$10000.00} credit limit, in less than six ( 6 ) months. I was discouraged by the agent to request the increase. I explained that  before, when I applied in XXXX, I was told the account was too new. I requested the policy information on what is considered too new. I was told there is no written policy. I told them that if I was given that reason again, I would file a complaint. Using a reason with no policy means they can apply it discriminatorily. Their website says you can request at any time, without mention of what is too new. 

On XX/XX/2020, I received an electronic letter that said I was denied because I have debt that is too high. On XX/XX/2020, I called and reached XXXX who Transferred me to supervisor XXXX with id number XXXX. My personal credit is used to determine this small business card. I relayed the exact reason in the letter, which is " your financial obligations reported to us are too high. '' I asked for clarification on what was too high and what the exact percentage is or the percentage that I am too low. I was told that information is proprietary. I told him that they have to give specific reasons and the reason given is nebulous like the too new reason. 

Capital One states they are recording the call. I was told that the recording could not be turned off. When I informed that I was recording the call, the person refused to communicate further saying it was against their policy to allow phone calls to be recorded. Under Federal, Georgia, and Florida law, I can record calls. I refused to stop recording unless they did. 

I even explained that I have no mortgage, I have credit balances on all but two ( 2 ) cards and that is because I have had to use them to bolster the low credit limit they provided. My car note is paid 2 months in advance and so the balance is lower than would otherwise be. I explained that I 10 times more per month on the cards than the minimum due, for the cards which have a balance. 

Their explanation does not make sense. They are refusing to provide exact reasons for the denial in violation of federal law. 

Lastly, I have filed other complaints against this company about their practices and I think this is also retaliatory for that. I have the right to file a grievance and it is illegal for them to retaliate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 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: UT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX reporting 30 day lates on XX/XX/20 & XX/XX/20 and I was never late. I have had an account for a very long time and I had moved so I didn't get my statement. But I called in & made a payment with a representative over the phone & set up future payments. I thought this was paid ( Even though I wasn't even working due to COVID - I still ensured I paid on time ). Once I got the notice I called immediately. You guys also closed my account after all these years and this wasn't even my fault. Please remove the late off of my credit file as those 2 lates were not my error.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I deposited into my TD Bank checking account a check of XXXX dollars yesterday morning XX/XX/XXXX2020 around XXXX XXXX. It was a valid check from a known organization. The check was from XXXX. I did it using a teller. I did not deposit it from the ATM or from a mobile app. Today, I checked my account and I see that TD Bank placed that deposit on hold the description read " FM Deposit Hold-See SM ''. I called the bank and the rep said that it's standard practice that they place the deposit on hold for verification. I asked for how long and they said for 6 days! possibly. That got me very upset. I asked to speak to a manager, and I asked the manager why I was being targeted when I never bounced a check etc. She said that there was nothing she can do. I then asked who was responsible for this and she said that it was the fraud department. I asked if she can transfer me to them so I can ask them directly why I was targeted. I spoke to them and they said that there was nothing they could do about it!!! She also said to me that this was done for my protection! They are holding my funds from me for no good reason for my protection! So outrageous! 

Please note that this is the second time that TD bank has done this to me. Previously I deposited my paycheck ( a City of XXXX XXXX paycheck .... ). I used the ATM then. They placed a hold on it like this time and it took about ten days to clear. Their excuse then was that I used the ATM and they advised that next time I use the teller. Well, this time I made sure to use the Teller for my deposit and low and behold they targeted me again and placed my deposit on hold again. 

This is outrageous and completely inexcusable especially that there is no reason for this hold as there is no history of any bounced checks at all. And for them to tell me that there is nothing they can do about it is beyond wrong when they should have never placed my deposit on hold in the first place. Additionally, I have direct deposit set up for my account which is another security for them and another reason that they should never place my check on hold for no reason.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-30 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: LoanCare, LLC
State: WA

Complaint narrative:
On XX/XX/XXXX our mortgage account with Loan Care was brought current through XX/XX/XXXX with a {$15000.00} payment. On XX/XX/XXXX another payment of {$1600.00} was made and received to bring our account current through XX/XX/XXXX. 

The Mortgage company and all three credit reporting agencies XXXX XXXX, XXXX XXXX, XXXX  XXXX are showing XX/XX/XXXX as 180+ days past due. This is incorrect. I have attempted multiple times to dispute this information and to have the account updated to reflect the actual payment history to be current in XX/XX/XXXX. 

The unwillingness to correct their records is keeping me from being approved for a loan.

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 2020-09-30 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: Convergent Resources, Inc.
State: MI

Complaint narrative:
I was made aware of a fraudulent charge from XX/XX/2019 on my credit report in XXXX of 2019 when I was applying for a loan, and there was an item that had gone to collections on the report. 

The item in question is from XXXX XXXX in the amount of {$250.00}. I have never utilized these services and immediately reported this as fraudulent with each XXXX XXXX, and XXXX  credit reporting agencies. 

I have since begun receiving debt collection notices from Convergent Outsourcing, the company attempting to collect the balance due to XXXX XXXX. When I contacted them, they would not assist unless I had previously filed a police report, which I have not done. 

The last communication I received from Convergent provided the following details : Creditor : XXXX XXXX Client Account # : XXXX Convergent Account # : XXXX Amount Owed : {$250.00} Total Balance : {$250.00} Please advise the next steps to get this resolved. 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 2020-09-30 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: TX

Complaint narrative:
I recently filed a dispute with equifax regarding unauthorized inquiries on my report. Equifax did not do a proper and thorough investigation. I was sent a letter stating I had to contact the companies myself. I have contacted the companies and was told to contact the credit Bureaus. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have these inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 

The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible XXXX. Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX. Inquiry from XX/XX/XXXX XXXX XXXX   Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: EVERBANK, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
CD  of {$160000.00} matured on XX/XX/XXXX, a Saturday. TIAA said it would be sent via postal service. They said check was sent Monday XX/XX/XXXX. On XX/XX/XXXX I still have not received the check. I called a couple times and both times they blamed the post office. They said it could take up to 14 business days. I find that extremely hard to believe regular mail takes that long to go from NY to MN. I think they are being slow and blaming the Post Office so they can use the float. I mentioned that to them and both times their response was my  money is not in their hands anymore. Until I cash that check they still have use of my money. I still can't believe they both said that to me! If one were to extrapolate how often this goes on at TIAA I would imagine they are making a fair amount of money off the float.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.

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