vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-09 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: IN

Complaint narrative:
On approximately XX/XX/2019 I contacted XXXX XXXX regarding my lease on my XXXX XXXX XXXX XXXX XXXX. I explained to them that every payment is reporting 30 to 60 days late on my Trans Union credit report. They explained to me that they've known about the situation for a long time and that every one of the customers in the customer base is reporting late and that I would have to dispute it on the Trans Union website and they would fix it. My issue with this is I knew absolutely nothing about it being reported late until I was trying to get financing on a new truck. I called them on XX/XX/2019 to see if they had or were going to fix it and I was told they can't do anything until they get paperwork from Trans Union. I did get a printout of my payments showing not one single payment was late. Now that this has happened I have bought the truck but the interest rate went from 6.25 % to 12.25 % until it gets fixed and I refinance the auto loan. My concern is that if it's happened to me with not knowing until I try to get a loan, what about other customers they have that they are doing the same thing to? I had to learn the hard way and I'm now paying more for a truck with interest because of their mess up. Is there anything I can do in this situation?

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 2019-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Multiple address that is incorrect s reporting on my credit file XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: EZ FUNDINGS Inc.
State: CA

Complaint narrative:
Hi, this person is marketing himself as a licensed loan officer or " team lead '' with " EZ Fundings '' When I tried to look him up on nmlsconsumeraccess I actually do not believe he is licensed. Please see this image : https : XXXX? XXXX & XXXX & XXXX & XXXX & XXXX I looked him up by name and NMLS # he has posted. It does not exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 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: TX

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT AND REPORTED THIS FACT TO THE THREE MAJOR CREDIT BUREAUS. EXPERIAN REFUSES TO REMOVE THE INACCURATE INFORMATION FROM MY FILES.

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 2019-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
On XX/XX/2019 I deposit {$490.00} to be exact in my account. I then received a bank of America text alert to my phone that after noon which stated that my account was overdrawn & that my funds are on hold do to someone else saying that I use there ssn number. So the bank ask for verification to state that my ssn belongs to me which I fax my social security card over to the company. Also fax over a letter from the social security office stating that they do not give out verification letters anymore which is what my bank is asking for to release my funds. I am asking the bank to release my {$490.00} I deposit into my account & close my account because I no longer want to do business with this bank again!

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 2019-07-09 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Rauch-Milliken International, Inc.
State: AL

Complaint narrative:
I disputed the alleged debt and forwarded a written cease and desist letter, but the collector on the case continues to mail me and call my business telephone.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 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: Westlake Services, LLC
State: FL

Complaint narrative:
After reviewing the financial history of account, below are the items I believe are in inaccurate and would like to formally dispute. 

XX/XX/XXXX a bill/due date in the amount of {$990.00} that differs from the principal but without detailed, itemized expenses. 
XX/XX/XXXX late charge of {$30.00} that should not have been assessed. 
XX/XX/XXXX a final payment of {$240.00} was made which was the amount that a Westlake representative stated was the remaining amount due. 

According to the payment history sent by Westlake on XX/XX/XXXX, there is a balance of {$16.00} that was remaining but there is no bill/due date noted that shows at any time any representative of Westlake either by mail or telephonically informed me of the {$16.00} balance. 

XX/XX/XXXX notes that the account was noted as a Charge Off even though the loan had been completely paid off via the amount Westlake stated on XX/XX/XXXX and I was never notified of a remaining balance of {$16.00}. 
XX/XX/XXXX notes an additional repossession expense charge off in the amount of {$400.00} that should not have been assessed as it was previously paid and again not in the stated pay off amount, via Westlake Financial on XX/XX/XXXX. 
XX/XX/XXXX late charge off fees of {$120.00} that should not have been assessed. 
XX/XX/XXXX non sufficient funds fee/charge off fees of {$25.00} that should not have been assessed. 
XX/XX/XXXX interest fees/charge off of {$.00} that should not have been assessed. 

In addition, the amounts paid on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX equates to a total of {$1000.00} which is greater than the final bill/due date that was sent on XX/XX/XXXX and stated a final payment of {$990.00}. This was the last bill/payment request that Westlake Financial mailed to me. 

On or around XX/XX/XXXX the paid off vehicle that this loan was secured on was traded in to XXXX XXXX XXXX in XXXX XXXX, VA. Legal ownership of the vehicle then transferred. The XX/XX/XXXX payment in the amount of {$560.00} should not be represented on my financial history account as the final payment as made on XX/XX/XXXX, the vehicle was sold to the dealership on or around XX/XX/XXXX, thus I was no longer the legal owner or in possession of the vehicle on XX/XX/XXXX. This payment activity transpired 9 months after legal ownership had transferred.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 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: GA

Complaint narrative:
Hello I went to apply for a home loan so I can purchase a home for my new baby that is due this summer and I went to my credit union to apply for a home loan and I was denied. My loan officer gave me a copy of my report and there are still things on there that are not mine. I've reached out to the FTC and to my local police department, and I am doing this on my own behalf. Again please remove these items from my credit so that I can purchase a home for my family. XXXX XXXX, XXXX, 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 2019-07-09 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: IL

Complaint narrative:
Called transunion on XX/XX/XXXX to follow up on inquiries that I did not authorize on my credit report. Informed the supervisor that I submitted a police report back in XX/XX/XXXX and the supervisor informed me their was no report on file. The company signed for my dispute package ( sent priority mail ), processed my dispute, but have no documents attached to my file. By law, all documents submitted must be uploaded to the consumers file. This company is violating my rights under the fair credit reporting act and I still have fraudulent inquiries on my credit report. I was just released from jail after 2 years in XXXX so there is no way that Ive applied for credit in XXXX, and 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 2019-07-09 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: TX

Complaint narrative:
Yesterday I went to the XXXX dealership and test drove a couple of cars. I'm in deep thought of getting a new vehicle. I went home and checked my credit report just to make sure my score is up to par. While doing so I noticed there were still a couple of items on my credit report that are not mine. This is unacceptable. I've reached out to the FTC and my local police department and I am doing this on my own behalf. I need these items deleted from my report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: FL

Complaint narrative:
I have had numerous ongoing issues with PayPal Credit as well as my PayPal Credit Mastercard. 

The majority of the issues stems from billing disputes, whether found in my favor or not, I do not always get the money returned to me. I have issues as well with denied disputes and errors made during the appeal and escalation process and I have made numerous contacts over the years because this has been costing me money, in lost refunds never returned to me from PayPal. Even when I have managed to resolve issues on my own independently and get the merchant to eventually refund me, PayPal will credit the wrong account, some other account that they did not take the money from in the first place. They have also debited the incorrect account, and take more than was in the account, even though that particular account had no relationship whatsoever with the account in dispute. I will include several attachments so that you can see what has transpired. I have made my last call today and sent my last emails to escalate and remedy any and all of these issues. Even with admittedly owing me {$150.00} they still have not returned this in over three years, and that will be attached 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 monetary relief
Consumer complaint received 2019-07-09 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: CA

Complaint narrative:
I have a credit card with CAPITAL ONE BANK USA N, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called CAPITAL ONE BANK USA N and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and CAPITAL ONE BANK USA N with no successful resolution. XXXX, XXXX, and XXXX only reporting me 30 days late. There was an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 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: TX

Complaint narrative:
Yesterday I went to the XXXX dealership and test drove a couple of cars. I'm in deep thought of getting a new vehicle. I went home and checked my credit report just to make sure my score is up to par. While doing so I noticed there were still a couple of items on my credit report that are not mine. This is unacceptable. I've reached out to the FTC and my local police department and I am doing this on my own behalf. I need these items deleted from my report. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX, XXXX, 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 2019-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
This debt collection account was paid off. Account is still currently reporting as a derogatory charge off. The account was paid in full {$390.00} as of XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 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: TX

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT AND REPORTED THIS FACT TO THE THREE MAJOR CREDIT BUREAUS. XXXX REFUSES TO REMOVE THE INACCURATE INFORMATION FROM MY FILES.

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 2019-07-09 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: TX

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT AND REPORTED THIS FACT TO THE THREE MAJOR CREDIT BUREAUS. XXXX REFUSES TO REMOVE THE INACCURATE INFORMATION FROM MY FILES.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-09 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: CA

Complaint narrative:
I have a credit card with XXXX XXXX XXXX XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX  XXXX XXXX and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, TransUnion, and XXXX  XXXX XXXX XXXX XXXX with no successful resolution. XXXX, TransUnion, and XXXX only reporting me 30 days late. There was an error on their part. I was never 30 days late.

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 2019-07-09 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: CA

Complaint narrative:
I have a credit card with XXXX XXXX XXXX  XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX  XXXX XXXX and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX XXXX XXXX  XXXX XXXX with no successful resolution. XXXX, XXXX, and Equifax only reporting me 30 days late. There was an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 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: CA

Complaint narrative:
I have a credit card with XXXX XXXX XXXX XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX XXXX XXXX and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXX XXXX XXXX  XXXX XXXX with no successful resolution. Experian, XXXX, and XXXX only reporting me 30 days late. There was an error on their part. I was never 30 days late.

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 2019-07-09 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: FL

Complaint narrative:
After reviewing the financial history of account, below are the items I believe are in inaccurate and would like to formally dispute. 

XX/XX/XXXX a bill/due date in the amount of {$990.00} that differs from the principal but without detailed, itemized expenses. 
XX/XX/XXXX late charge of {$30.00} that should not have been assessed. 
XX/XX/XXXX a final payment of {$240.00} was made which was the amount that a XXXX representative stated was the remaining amount due. 

According to the payment history sent by XXXX on XX/XX/XXXX, there is a balance of {$16.00} that was remaining but there is no bill/due date noted that shows at any time any representative of XXXX either by mail or telephonically informed me of the {$16.00} balance. 

XX/XX/XXXX notes that the account was noted as a Charge Off even though the loan had been completely paid off via the amount XXXX stated on XX/XX/XXXX and I was never notified of a remaining balance of {$16.00}. 
XX/XX/XXXX notes an additional repossession expense charge off in the amount of {$400.00} that should not have been assessed as it was previously paid and again not in the stated pay off amount, via XXXX XXXX on XX/XX/XXXX. 
XX/XX/XXXX late charge off fees of {$120.00} that should not have been assessed. 
XX/XX/XXXX non sufficient funds fee/charge off fees of {$25.00} that should not have been assessed. 
XX/XX/XXXX interest fees/charge off of {$.00} that should not have been assessed. 

In addition, the amounts paid on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX equates to a total of {$1000.00} which is greater than the final bill/due date that was sent on XX/XX/XXXX and stated a final payment of {$990.00}. This was the last bill/payment request that XXXX XXXX mailed to me. 

On or around XX/XX/XXXX the paid off vehicle that this loan was secured on was traded in to XXXX XXXX XXXX in XXXX XXXX, XXXX. Legal ownership of the vehicle then transferred. The XX/XX/XXXX payment in the amount of {$560.00} should not be represented on my financial history account as the final payment as made on XX/XX/XXXX, the vehicle was sold to the dealership on or around XX/XX/XXXX, thus I was no longer the legal owner or in possession of the vehicle on XX/XX/XXXX. This payment activity transpired 9 months after legal ownership had transferred.

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