vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-18 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: MS

Complaint narrative:
I recently reached out to the credit bureaus asking them to verify my bankruptcy. They sent me results saying verified but the did not verify it properly. The law states that bureaus must verify bankruptcy information from the original furnisher, which is the bankruptcy. I have a letter from the court house stating that they don't share information with credit bureaus. Therefore the credit bureaus are in violation of the law. Also the results state that the got the information from XXXX XXXX which is a third party which is another violation. I put a freeze on my XXXX XXXX profile before I asked them to verify my bankruptcy. There the credit bureaus lied and are in complete violation of the law.

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 2019-07-18 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:
Transunion is reporting duplicate collections on the XXXX XXXX UNIVERSITY partial account number XXXX. ( Please see pages 28 and 29 of the attached credit report. ) This account reports a {$0.00} balance and a status of PAID. Please keep in mind that it is impossible to owe on an account that has a {$0.00} balance and a status of paid. I have contacted the bureau to correct this, however I have unsuccessful. This incorrect reporting of duplicate collections is harming my credit score and these line items need to be removed from my credit 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 2019-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The issue is with XXXX XXXX arbitrarily adding a comment to the credit bureau identifying my home as " Affected by Natural Disaster ''. When I called the Bank the employee notified me that this is simply a comment that they add when the area around a home has been affected by a Natural Disaster. This is an unfair practice and affects the value of a persons home. This is something XXXX is doing to others and I feel that they are going to affect the home values of many people by doing so.

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 2019-07-18 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: TX

Complaint narrative:
The issue is with XXXX Bank arbitrarily adding a comment to the credit bureau identifying my home as " Affected by Natural Disaster ''. When I called the Bank the employee notified me that this is simply a comment that they add when the area around a home has been affected by a Natural Disaster. This is an unfair practice and affects the value of a persons home. This is something XXXX is doing to others and I feel that they are going to affect the home values of many people by doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18 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: TX

Complaint narrative:
The issue is with XXXX XXXX arbitrarily adding a comment to the credit bureau identifying my home as " Affected by Natural Disaster ''. When I called the Bank the employee notified me that this is simply a comment that they add when the area around a home has been affected by a Natural Disaster. This is an unfair practice and affects the value of a persons home. This is something XXXX is doing to others and I feel that they are going to affect the home values of many people by doing so.

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 2019-07-18 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: CO

Complaint narrative:
XXXX  and Equifax both have a statement or Narrative on two of my XXXX  XXXX accounts and my XXXX XXXX XXXX account that says something like " Customer Disputes, Resolution Resolved '' These statements need to be removed as I did not authorize you or the creditor to put those on my accounts. XXXX has already removed them because they understand that as the consumer I have rights that are protected under the FCRA. These statements are harming me and I am demanding that they be removed or we can go a legal route to resolve the issue. You can see the response of XXXX Below and I am expecting the same from XXXX and Equifax I have already spoken with the creditors and they agree that the statements should not be on my reports but yet you are placing it on there. Remove immediately. 

Company responded XXXX XXXX responded on XX/XX/2019 Response Type Closed with non-monetary relief Company 's  Response We have reviewed your complaint along with the information you provided regarding this issue. In response to your request, we have removed the dispute remarks appearing on the two XXXX XXXX accounts, as well as the XXXX XXXX # XXXX account, from your XXXX credit report. Please contact the data furnishers directly to ensure they are reporting the most accurate up to date account information. Also, please contact Equifax and XXXX directly regarding the accuracy of your Equifax and XXXX  credit reports. In order to protect your privacy, we will mail an updated copy of your credit report to the current address we have on file for you. You can expect to receive it in approximately 5 to 7 business days. If you have any further questions, please call us at XXXX, XXXX, XXXX XXXX  XXXX XXXX  ET. Please visit XXXX XXXX XXXX for frequently asked questions about your credit report. 
DESCRIPTION OF NON-MONETARY RELIEF We received your complaint about the items in your credit report, and apologize for any difficulty you may have experienced. All items identified in your complaint have been updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: MI

Complaint narrative:
I had an outstanding bill with XXXX. The bill was directly paid through XXXX. IC Systems reported a collection account on my credit attempting to collect the same debt through XXXX. When I spoke to a supervisor at IC Systems, I requested that the collection be removed from my credit because I did NOT pay IC Systems. Rather than IC Systems removing the collection account they sent me a receipt stating that I paid a balance in full of {$1200.00} to them. Which is false. I never agreed to paying IC Systems, i never paid IC Systems. The payment was with XXXX and ONLY XXXX. This has negatively impacted my credit by lowering it more than 30 points, which has also risked my purchase of a new home!!

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 2019-07-18 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:
Experian and XXXX are reporting a duplicate collection on the XXXX partial account number XXXX. ( Please see page 28 of the attached credit report. ) I have contacted the bureaus to correct this, however I have been unsuccessful. This incorrect reporting of a duplicate collection is harming my credit scorXXXX and these line items need to be removed from my credit 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 2019-07-18 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 and Transunion are reporting a duplicate collection on the XXXX partial account number XXXX. ( Please see page 28 of the attached credit report. ) I have contacted the bureaus to correct this, however I have been unsuccessful. This incorrect reporting of a duplicate collection is harming my credit score and  these line items need to be removed from my credit 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 2019-07-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
n : I HAD A THREE MONTH HIRRICANE HARVEY DEFERRAL and NO ONE seems to know about this. I have been showing delinquency since the OFFERED deferral was add Do people and companies ONLY CARE WHEN SOCIAL MEDIA gets involved or when they are ALSO affected by national disasters. This is unacceptable, unconscionable, and I need the documentation properly corrected ASAP within the system

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: MOHELA
State: NY

Complaint narrative:
I have had my student loans refinanced by Mohela XXXX. I was a XXXX XXXX   XXXX at The XXXX  XXXX  at the City University of XXXX XXXX since fall 2019. The registrar and I sent in an in-school deferment form ( which Mohela made very difficult to get a hold of to begin with ) six times. They kept claiming they didnt receive it. I was still making payments while in school because I didnt want problems. Finally in XXXX, I stopped paying because my registrar said they got a confirmation that mohela received my in-school deferment. 

Mohela then reported me being three months delinquent on my account and said they cant accept the inschool deferment because we didnt submit it in time. So now they messed up my credit and charged me tons of fees even though I was a full time student.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Focused Recovery Solutions, Inc.
State: SC

Complaint narrative:
FOCUSED RECOVERY Solutions have three different account opened with three different amounts in which my son and his father has the same first middle and last name. 

FOCUSED RECOVERY SOL XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I was shocked when reviewing my credit report and found inconsistent late payments on the dates below : 30 days late as of XX/XX/XXXX ( XXXX XXXX XXXX only ) 30 days late as of XX/XX/XXXX ( 3 Bureaus ) and 60 days late as of XX/XX/XXXX ( XXXX XXXX XXXX only ) I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statements did not get to 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 2019-07-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I was shocked when reviewing my credit report and found inconsistent late payments on the dates below : 30 days late as of XX/XX/2018 ( XXXX  & XXXX only ) 60 days late as of XX/XX/2018 ( XXXX   & XXXX only ) 30 days late as of XX/XX/2018 ( XXXX only ) 90 days late as of XX/XX/2018 ( XXXX only ) 60 days late as of XX/XX/2018 ( XXXX only ) and 90 days late as of XX/XX/2018 ( XXXX only ) I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statements did not get to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I was shocked when reviewing my credit report and found inconsistent late payments on the dates below : 30 days late as of XX/XX/XXXX ( XXXX only ) 60 days late as of XX/XX/XXXX ( XXXX only ) 30 days late as of XX/XX/XXXX ( XXXX only ) 60 days late as of XX/XX/XXXX ( XXXX  only ) 30 days late as of XX/XX/XXXX ( XXXX & Ex only ) 60 days late as of XX/XX/XXXX XXXX XXXX XXXX XXXX only ) 30 days late as of XX/XX/XXXX XXXX XXXX & XXXX only ) 60 days late as of XX/XX/XXXX ( XXXX & XXXX only ) I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statements did not get to 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 2019-07-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I was shocked when reviewing my credit report and found inconsistent late payments on the dates below : 30 days late as of XX/XX/XXXX ( XXXX only ) 30 days late as of XX/XX/XXXX ( XXXX  only ) 30 days late as of XX/XX/XXXX ( XXXX & XXXX only ) 30 days late as of XX/XX/XXXX ( XXXX only ) 30 days late as of XX/XX/XXXX ( XXXX only ) I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statements did not get to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
On XXXX XXXX 2019 my PayPal credit Card was charge for a purchase I made at XXXX and XXXX online. I received the merchandise ( a dress ). I tried it on and it didnt fit nor did I like the clingy material. Very inappropriate for a XXXX year old woman. I had the dress on for less than a minute and put it back in the original plastic package all tags on and shipped it back to XXXX and XXXX. Today, I receive a box from XXXX and XXXX with the dress inside and a form letter indicating that the dress was unsalable. When I called the store the service representative indicated that it was the warehouse decision and there hands were tied and that the dress was mine to keep. 

This is the most outrageous, openly fraudulent activity I have experienced. I never wore the dress and had it on for less than a minute. I know that XXXX and XXXX has closed many stores and are suffering financially, but to cheat consumers isnt the way to keep business going.

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 2019-07-18 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
We are having a very difficult time with Bank of America. We have been trying for over a month to get a simple resolution to a 12 year old discharged 2nd lien. We have placed over 4 request for a for either a lien release or a point of contact to resolve the debt through an active short sale. Every time we call in we get the same problem. The rep tells us the lien release was declined, but can never help us after that. We get transferred to somebody else who has no idea what we're talking about, or they just disconnect on us, aka hang up. This lien is so old, BoA originally told us they sold it to XXXXXXXX. When we contacted XXXX  they told us they have no record of it. We asked 3 times to make sure. BofA finally found the lien in the Purge Lien Dept. It is in this department because it is so OLD. This is originally a Countrywide 2nd lien, that was part of the principle reduction that came out of the California District Attorney lawsuit. The lien was discharge and forgotten about by XXXX XXXX, and BofA, but never released on title.

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 2019-07-18 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
Over the past week, I have received 4 phone calls from Transworld Systems Incorporated ( TSI ). When answering the phone, they have asked for my wife 's name but do not identify themselves until asked, the reason that they are calling, or leave a voicemail. Upon looking up their information on XXXX, they are a debt collection agency based out of XXXX XXXX, California. In addition, we have no debts that are owed. They have used phone numbers ( XXXX ) XXXX & ( XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: LoanCare, LLC
State: NY

Complaint narrative:
I have been trying to close on the sale of my co-op since XXXX. My original mortgage company went bankrupt and I was turned over to another service. I needed my original stock certificates and propriety lease which took me 100 phone calls from my lawyer, myself, real estate agent and lawyer for co-op to finally get them. Sitting at the closing the UCC3 document was missing. A request was made on XX/XX/19 and a copy of the UCC3 was  emailed to Loancare for signature. Everyone has called and called to obtain status of this document each day. Hours and hours on the phone, telling story over and over again, being on hold for 45 minutes at a time. Having the supervisor ask how I got them on the phone if I was transferred to him, very annoyed and kept me on hold for 45 more minutes and then hung up on me. I am trying to get this document as my buyer rate lock has expired and now she has to renew and cost money. I am losing money every day and still no results. I am desperate for some intervention and results, before this sale falls through and I lose everything. I am already paying 2 rents.

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 2019-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Equifax wont remove inquires that they confirmed they deleted from my credit file the disputes were filed on XX/XX/2019 and wrapped up on XX/XX/2019 confirmation number of XXXX but the items still havent been removed also they are reporting 3 fraudulent accounts from XXXX XXXX  XXXX XXXX and XXXX XXXX XXXX  and they arent sending the data to the companies I just started they are using XXXX XXXX system and reporting these accounts that are fraudulent I will sue Equifax also XXXX is reporting a XXXX account on my file and I do have a police report this is not my account

Company response to consumer: Closed with explanation