vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-14 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: MD

Complaint narrative:
On XX/XX/2019 I sent all three credit bureaus Transunion/XXXX/XXXX certified documents in regards to my credit file. On my credit file its reflecting 10 late payments on my XXXX XXXX XXXX which is not correction ; It should only reflect 2 late payments ; in addition its reflecting 2 late payments for my XXXX 's accounts and Personal Loan which is not correction ; these account were NEVER paid late. I am disputing all inquires on my credit files I have requested on numerous of occasion for all three credit bureaus to provide full documentation regarding the circumstance surrounding my release of my credit file ; pursuant to the permissible purpose provisions of the Fair Credit Reporting Act? I provided the dates fro all 5 inquires from TransunionXXXX/XXXX. I requested if they were unable to provide such documentation you are obligated to removed the offending inquiring at once ; which is damaging my credit rating. I have sent 3 certified letters and 3 regular letter without certification. I have been having this issue to the late 3months with 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 2019-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: VA

Complaint narrative:
I have received collection attempts from IC System, a collection agency that now represents XXXX on a mobile phone account. I filed a previous complaint against XXXX disputing the balance. I have filed a complaint with XXXX and IC System both disputing the balance. I have paid all monies I feel are legitimate charges and the balance of {$540.00} are international data overages that I was charged in error and have disputed these charges since they first appeared on my bill. Please see my original complaint below. 

I am writing to file a formal complaint against XXXX in regards to my mobile device account. I have been a good customer of XXXX until recently when I went outside the country. I was charged over {$1000.00} in international data overages after their communication with me explicitly stated that there was no charge for international data, only voice. After receiving my next bill, I called customer service for assistance. My calls were put on endless holds, continuously transferred to one person after another where I would have to repeat the reason for my call and these calls went on for hours. After over 2 months of these attempts for resolution, I finally closed the account. I have made payments on the account and tried one last time today to call for resolution, only to have the same experience. I was transferred more than 3 times, repeated myself more than I should and was on the phone for more than an hour.

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 2019-05-14 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: SUNRISE CREDIT SERVICES, INC
State: FL

Complaint narrative:
XX/XX/XXXX Sunrise Credit Services Inc notified me that a XXXX bill is overdue for {$1700.00} ; I called them 3 times and said it is NOT my bill, it is my son and daughter who kept XXXX ; I left them in XX/XX/XXXX and went to XXXX XXXX ... My tel number was an d is XXXX.. Th ebill they send as proof was not my number. I NEVER SIGNED A CONTRACT WITH XXXX. Someone forgeed my name on papers they sent me. I offered my licence as proof.

They never reponded after 2 disputes in 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 2019-05-14 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: VA

Complaint narrative:
Dear Sir or Madam : I am a victim of identity theft. The accounts listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXXXXXX XXXX {$6500.00} XXXX XXXX XXXX XXXX {$30000.00} XXXX XXXX  {$720.00} XXXX XXXX {$740.00} XXXXXXXX XXXX  {$5300.00} XXXX {$10000.00} XXXX XXXX XXXX {$580.00} XXXX XXXX XXXX {$3800.00} CXXXX XXXX  XXXX A {$2800.00} XXXX XXXX XXXX {$37000.00} XXXX XXXX XXXX {$38000.00} XXXX {$8500.00} XXXX {$3000.00} XXXX {$2500.00} Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 

I have filed a police report. Here is that information : XXXX XXXX XXXX XXXX ( XXXX ) XXXX Deputy XXXX Unit XXXX Police Report : XXXX I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX : XX/XX/1984 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 2019-05-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: MEI AUTO FINANCE INC
State: TX

Complaint narrative:
InXX/XX/2019I needed to submit a pay date change because my pay at my job changed from biweekly to semi monthly. The representative in XX/XX/XXXXtold me to fax my paystubs showing semi monthly which I did and over the recorded call I stated my new pay was now on the XX/XX/XXXXand XX/XX/XXXXif every month. She sent me a modification for paydate and I signed it. What I did not notice at the time is she made NO change to the agreement because the XX/XX/XXXXand XX/XX/XXXXthat month still happened to fall on a biweekly every other Friday. Every other Friday since XX/XX/XXXXsome has called me atleast 10xs a day starting on Fridays saying my payment is late and I go through the WHOLE bad experience again and again. I have resubmitted paystubs to 3 different people who claim to be my account manager every single time. Now Im being told that you can only do a paydate change once in the lifetime of the loan and even though the MEI rep in XX/XX/XXXXfailed to do her job correctly bc I signed the incorrect thing my change request is being denied. Then the rep from XX/XX/XXXXcalls me and laughs at me when Im just trying to help her understand my frustrations with why I have had to reiterate my issue every other Friday to someone who has access to my acct and should be able to see whats going on, not to mention Im being told to send my paystubs with all my personal info every single time to different reps that arent making any changes on behalf of my acct. Now they are re modifying the 1st modification that was submitted wrong and its causing my payments and interest to go up on behalf of their mistake. They have caused me many of interrupted work hours every single time they call me harassing me to make a payment before I get paid and then me having to go through the whole issue every time when it should have been fixed months ago and it has taken 4 months and 5 diff reps to get to this point. This is by far the worst, most unprofessional, most unknowledgeable, most disrespectful, most unhelpful finance company I have ever dealt with that lacks the ability to achieve results on behalf of customer service. I am a loyal customer with 2 car loans through them and have never been late and this is how I get treated every single time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 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:
Equifax and XXXX are reporting incorrectly that I am 90 days past due on the US DEPARTMENT OF ED and US DEP ED accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 5 and 6 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
Various dates with Navient Student Loans I owe XXXX in student loans. My ex husband and I divorced two years ago ... he was on as a cosigner and in the divorce decree I am responsible for the debt.. and he is not working. They are not releasing him until I make payments on the loan for a year. This is not fair.. When I am asking about repayment options for myself a single mother now I am being told I would have to pay XXXX a month for all the private loans I have with very little towards principal and they will not work with me to lower my payments or I am being told different amounts by different representatives. Unreasonable payment arrangements and interest rates ... inconsistent figures to repay and not income and expense driven. They also go by gross pay, not net. I pay XXXX a month in health insurance and XXXX a month for my daughters car insurance plus mortgage, plus medical bills, etc. Navient needs to change their practices with student loan debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 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: NY

Complaint narrative:
Hi I am contacting you once again because these credit agencies keep reporting accounts that do not belong to me and I want them removed from my credit report at once and permanently not just for a few months and then when my credit score gets good then they report again. These companies are committing fraud and need to be stopped at once. I have written these companies and submitted police reports over and over yet they do nothing. I am XXXX and pay all my bills one time and Im a single mother of a XXXX child and these companies are destroying my life by the fraudulent reporting they do and they need to be stopped. I want this account removed off my credit reports because it doesnt belong to me and it is fraud Name XXXX XXXX  Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/2019 Status Collection account. {$1500.00} past due as of XX/XX/2019. 
Status Updated XX/XX/2019 Balance {$1500.00} Balance Updated XX/XX/2019 Recent Payment $ 0 Monthly Payment {$0.00} Original Balance {$1500.00} Highest Balance {$0.00} Terms Also XXXX and experian are reporting new hard credit inquiries from XXXX XXXX XX/XX/2019 which are fraudulent and do not belong to me and I want removed immediately off my credit report and also XXXX XXXXXXXX Inquiry from XX/XX/2019 + Bank XXXX Card Inquiry from XX/XX/2019 + Bank Which are fraudulent and do not belong to me and I want removed off my credit report at once. And I want those XXXX XXXX people to delete my information from there data base because it is fraudulent and that account that they are reporting doesnt belong to me and I want it removed at once.

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 2019-05-14 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: VA

Complaint narrative:
Dear Sir or Madam : I am a victim of identity theft. The accounts listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX XXXX {$6500.00} XXXX XXXX XXXX  XXXX {$30000.00} XXXX XXXX {$720.00} XXXX XXXX {$740.00} XXXX XXXX {$5300.00} XXXX {$10000.00} XXXX XXXX XXXX {$580.00} XXXX XXXX XXXX {$3800.00} XXXX XXXX XXXX XXXX   {$2800.00} XXXX XXXX XXXX {$37000.00} XXXX XXXX XXXX {$38000.00} XXXX {$8500.00} XXXX {$3000.00} XXXX {$2500.00} Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 

I have filed a police report. Here is that information : XXXX XXXX XXXX XXXX ( XXXX ) XXXX Deputy XXXX Unit XXXX Police Report : XXXX I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX : XX/XX/1984 XXXX : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-14 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: VA

Complaint narrative:
Dear Sir or Madam : I am a victim of identity theft. The accounts listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX XXXX {$6500.00} XXXX XXXX XXXX XXXX {$30000.00} XXXX XXXX {$720.00} XXXX XXXX {$740.00} XXXX XXXX {$5300.00} XXXX {$10000.00} XXXX XXXX XXXX {$580.00} XXXX XXXX XXXX {$3800.00} XXXX XXXX XXXX A {$2800.00} XXXX XXXX XXXX {$37000.00} XXXX XXXX XXXX {$38000.00} XXXX {$8500.00} XXXX {$3000.00} XXXX {$2500.00} Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 

I have filed a police report. Here is that information : XXXX County Sheriffs Office ( XXXX ) XXXX Deputy XXXXXXXX XXXX XXXX Police Report : XXXX I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX DOB : XX/XX/1984 SSN : 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 non-monetary relief
Consumer complaint received 2019-05-14 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: TX

Complaint narrative:
XXXX and Transunion are reporting incorrectly that I am 90 days past due on the XXXX XXXX XXXX XXXX and XXXX XXXX XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 5 and 6 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2019-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Receivables Performance Management, LLC
State: FL

Complaint narrative:
My Husband lose his job and i couldn't keep paying, so i close my acc

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 2019-05-14 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: U.S. BANCORP
State: NC

Complaint narrative:
I was charged a property tax for XXXX county when I have never been a resident of XXXX county. The lease holder ( US Bank ) assed it to my account. I have been trying for months to request a copy of the tax bill showing my name as the tax due by me to which I have had no success. I have reached out to every department, I have made every call, submitted in writing all the requests ; all to no avail. I am worried about this impacting my credit. I have reached out to XXXX county for help and they helped me as much as they could. I have been stonewalled by US Bank. Even then supervisor at Personal Property and business license division at the XXXX county department of Tax administration suggested I seek legal counsel in order to get a copy of this bill. A bill that was assessed to my account that is not my charge.

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 2019-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I asked to change the account type to Basic Banking Package at around XX/XX/2018, and staff told me that my account will be changed in 24 hours. However, my account type is not changed, and there was {$25.00} each month, {$50.00} in total was charged to my account. Once I found out, I asked to change again at XX/XX/2018. Again, the staff told me the account will be changed in 24 hours, and refund me the $ XXXX month fee. Yet it turns out, the account remains the same, and the month fee continued. For the third time I asked, the staff told me that my initial request was denied ( I don't know which " initial request '' was referred ) but I did not receive any notice of denial. The month fee charged will be gone.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: JTM Capital Management, LLC
State: OH

Complaint narrative:
Yes. JTM Capital Management in New York purchases old debts, including credit card debts, payday loan debts, etc. They never send letters verifying the own the debt. They use horrible debt collection agencies who call you and pretend they are going to serve you papers and try to scam you out of money you don't have by threats. JTM Capital Management is a horrible company who outsources to debt collection agencies who have illegal practices trying to get money. They need to be watched. They use XXXX XXXX XXXX in New York and XXXX XXXX XXXX in Florida-both who consistently use illegal practices to collect debts. They call and pretend they will serve you papers and never do and never send any documentation. Horrible, horrible, horrible.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LoanCare, LLC
State: TX

Complaint narrative:
Our home was flooded during Harvey and was a total loss. Finally the County has bought us out ; however, this home is still showing up on credit report. This has messed up our credit and need this fixed before we can get a new home. This has been the longest two years of our life and are just trying to get this to move along so my kids can get in a home before another school year starts.

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 2019-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
Citizens Bank ( Citizens Bank is a brand name of Citizens Bank, N.A. ( NMLS ID # XXXX ) decided to reissue my debit card because they were informed that a merchant I used in the past may have been prone to a data compromise. I received this information in a letter date XX/XX/XXXX, so I called on XX/XX/XXXX to learn more. 
Citizens refused to provide me with information as to who the merchant was and whether or whether not my account was compromised. They told me that information was confidential, and they are not obligated to share that information with me, their customer. 
As they acted on information related to my account, I dont see how this information could be considered confidential and not shared with me, the customer. The Citizens representative said that they were trying to protect me by being proactive, which I appreciate, however I again wasnt given any information as to where this potential data breach happened. 
I was then told that Citizens doesnt want customers calling merchants and accusing them of not adequately securing their transaction data. I noted that seems like Citizens is trying to protect itself, not the customer. 
If a merchant that I used was compromised and shared that information with Citizens, I should be able to also receive that information, so I can choose not to use that merchant going forward. Withholding information from its customers is a serious issue for Citizens and my hope is that you can help address this action.

Company response to consumer: Closed with explanation