vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-28 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Credit Bureaus " XXXX '' and " EXPERIAN '' have reported on my Credit File of Three ( 3 ) " Bankruptcy '' whereas it should be only one ( 1 ). I have tried to explain in details and with supporting documentation via numerous Certified Mail and / or lengthy phone calls! To date, no response from the Credit Bureaus. <P/>The extra two alleged Bankruptcy were petitions to the Court to grant permission to sell my two properties in XX/XX/XXXX and again in XX/XX/XXXX ; not as filing bankruptcy once again. I request at a minimum the Credit Bureaus to delete the items listed below due to being reporting inaccurate information : XXXX ( as per Credit Report ) : a ) Filing Reference Number : XXXX dated XX/XX/XXXX (?? ) b ) Filing Reference Number : XXXX dated XX/XX/XXXX (?? ) c ) Filing Reference Number :  XXXX dated XX/XX/XXXX (?? ) EXPERIAN ( as per Credit Report ) : a ) Filing Reference Number : XXXX dated XX/XX/XXXX b ) Filing Reference Number : XXXX datedXX/XX/XXXX c ) Filing Reference Number : XXXX dated XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ASSOCIATED BANC-CORP
State: WI

Complaint narrative:
Due to when I get paid and how much I get paid from my employer, I frequently have to pay the principal and interest portions of my mortgage payment separately. This is allowed by my lender, Associated Bank and I have been doing it for years. Frequently, when I do this, the teller who takes the escrow portion ( second payment of the month ) places the money in the incorrect account ( escrow or P and I ) or applies the wrong amount ( either too much or too little money in either P and I or escrow ). I have, over the years, contacted Associated Bank dozens of times in attempts to rectify this issue as, if the payment is not made and applied correctly, even through no fault of my own, I am ultimately responsible for the bank 's mistake as it is my credit that suffers for their mistake, not them. <P/>The XXXX 2017 mortgage payment was applied incorrectly by the teller, I was told, when I called this morning to check if the payment had been applied. I called my local loan officer, XXXX XXXX, for assistance. XXXX told me, during the course of our conversation that because I did n't make my entire mortgage payment at once, like other people do, there was nothing that could be done to help me, because my situation is so rare. <P/>Additionally, he stated that Associated Bank 's system for processing payments was not set up to accommodate multiple mortgage payments. So, here is a multi million, if not billion dollar bank that, in 2017 has a computer processing system so inept it can not process multiple mortgage payments on the same account. That makes no sense. This mortgage is my largest bill, by a longshot. I have tried the BBB, We Care at Associated Bank numerous times in attempts to resolve this issue. I am so frustrated and am at my wit 's end. I do n't know what else to do and am pleading for assistance. Make Associated Bank work with me so I can make allowable, on time payments, per their policy. Make them honor good faith lending practices. I do n't know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX experian reinserted a account on my credit report that was perviously deleted and blocked due to my credit being used fraudulent. They blocked the account for several months just to reinsert the same account with out sending any varification to me. They also are in violation of the fcra section 609 and section 611 that says they have to give a five day notice before a previous account blocked from a police report can be reinserted. The XXXX XXXX account that was placed back on my credit is a prime example of the credit bureau lack of ability to follow the law. And under the the court of law I will go under oath to be sure that Experian stop causing me humiliation and mental anguish.

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 2017-06-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: MO

Complaint narrative:
I recently reviewed my credit report and seen an alleged account from this company reporting and causing a negative effect to my credit report. I send the company a certified letter with return receipt requesting validation. I do n't recall signing any contract with this company.

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 2017-06-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
I Have always maintained perfect repayment history with all my creditors. I recently applied for a line of credit and was denied due to a negative account on my credit report. I got my report and found an unfamiliar account stating that I owned {$360.00} to XXXX a home security company. I called the company directly to dispute this charge, stating that I had not signed or authorized any contract agreeing to any home security system ; ever. I realized I was the victim of Identity theft and asked them to remove the charges and refrain from reporting this to the 3 credit Bureaus. The company XXXX refused to remove the charges even after a dispute from XXXX Credit Bureau. Because this company has no signature or valid authorization, I am seeking help from the CFPB to assist with this discrepancy.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28 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: AFNI INC.
State: TX

Complaint narrative:
On XXXX XXXX, 2017 Afni responded to my complaint with the bbb saying they would delete their account from my credit reports. They deleted theit account from my XXXX credit report but have NOT on my XXXX report and XXXX report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Nelnet, Inc.
State: MI

Complaint narrative:
In XX/XX/XXXX My sister and father and where killed in a car accident. I wrote letters to the school and nelnet with no response asking to remove the late payments due to the situation. To no avail nothing happened. In XX/XX/XXXX I lost my grandmother due to XXXX, I had a XXXX at the funeral. XX/XX/XXXX I became homeless. I have consolidated all of my loans and everything is up to date. I have several classmates that late payments were removed due to loss of work. What about loss of life!! I ca n't find work in my profession due to these late payments my score has dropped so low due to these pate payments I am begging Nelnet to give me a second chance and please remove them for me. I have suffered so much over the years. I just want a job so I can pay my student loans off and everybody is running a credit check. I served 10 years in the XXXX XXXX XXXX. I put my life on the line for my country, and I ca n't even get help from my country when I am suffering.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28 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: IL

Complaint narrative:
OnXX/XX/XXXX, I sent a letter to Experian ( see Attached ) requesting for them to correct the errors on my credit report, AND to provide me with a validation document bearing my signature. There are several serious errors reported by XXXX XXXX and XXXX XXXX XXXX/XXXX ( All account numbers listed on my report ). Experian send me a response stating they will not re-investigate these items. On XX/XX/XXXX, I sent a 2nd letter to Experian to requesting for them to correct my report and to provide me with the a copy of the original document I signed, as well as their verification method. I also requested for them to give me the name, address, and telephone number of the verifying party. Experian again, replied with the same letter stating that they would not re-investigate. As per the FCRA I am entitled to be provided with documentation from the credit reporting agency, bearing my signature, to validate the debt. Furthermore, this request is supported by XXXX v. XXXX XXXX XXXX, XXXX XXXX ( XXXX. XX/XX/XXXX ). <P/>I believe that Experian should not be able to use " Bully '' tactics and hold consumers at bay from receiving lower cost financing. As you can see by the attached, I am having the same exact problem with XXXX 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 2017-06-28 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: N.A.R., Inc.
State: CO

Complaint narrative:
I had a health provider who filed a claim with my insurance company, who in return paid for a percentage of the original bill. The Explanation of Benefits from my Health insurance company showed that I was covered 100 % for the bill, and that I did not owe any amount to the provider. However, the health provider still sent me a bill for the balance of the original total, less the amount paid by the insurance company. The Health provider subsequently sent the debt to a collection agency, who immediately reported it to the credit agencies, XXXX XXXX and XXXX. I have since written letters to both the Health provider and the collection company explaining to them why I do not owe any amount for this bill, and provided them with a copy of my EOB from the insurance company. I have not received a response from either the Health Provider, or the collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: WLCC
State: CA

Complaint narrative:
I applied for the loan and was approved for XXXX up until it was time for me to sign the e consent form, I refused to sign because the the interest was 777.03 percent and the payoff was XXXX for a XXXX dollar loan this is an outragous company and should be put out of business when people are in need of help they should n't be able to take advantage of the poor I would never accept something like this

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 2017-06-28 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: IL

Complaint narrative:
On XX/XX/XXXX, I sent a letter to XXXX ( see Attached ) requesting for them to correct the errors on my credit report, AND to provide me with a validation document bearing my signature. There are several serious errors reported by XXXX XXXX and XXXX XXXX XXXX/XXXX ( All account numbers listed on my report ). XXXX send me a response stating they will not re-investigate these items. On XX/XX/XXXX, I sent a 2nd letter to XXXX to requesting for them to correct my report and to provide me with the a copy of the original document I signed, as well as their verification method. I also requested for them to give me the name, address, and telephone number of the verifying party. XXXX again, replied with the same letter stating that they would not re-investigate. As per the FCRA I am entitled to be provided with documentation from the credit reporting agency, bearing my signature, to validate the debt. Furthermore, this request is supported by XXXX v. Trans Union Corp., No XXXX ( XXXX XX/XX/XXXX ). <P/>I believe that XXXX should not be able to use " Bully '' tactics and hold consumers at bay from receiving lower cost financing. As you can see by the attached, I am having the same exact problem with Trans Union 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 2017-06-28 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: IL

Complaint narrative:
OnXX/XX/XXXX, I sent a letter to XXXX ( see Attached ) requesting for them to correct the errors on my credit report, AND to provide me with a validation document bearing my signature. There are several serious errors reported by XXXX XXXX and XXXX XXXX XXXX/XXXX ( All account numbers listed on my report ). XXXX send me a response stating they will not re-investigate these items. On XX/XX/XXXX, I sent a 2nd letter to XXXX to requesting for them to correct my report and to provide me with the a copy of the original document I signed, as well as their verification method. I also requested for them to give me the name, address, and telephone number of the verifying party. XXXX again, replied with the same letter stating that they would not re-investigate. As per the FCRA I am entitled to be provided with documentation from the credit reporting agency, bearing my signature, to validate the debt. Furthermore, this request is supported by XXXX v. XXXX XXXX XXXX, No XXXX ( XXXX XX/XX/XXXX ). <P/>I believe that XXXX should not be able to use " Bully '' tactics and hold consumers at bay from receiving lower cost financing. As you can see by the attached, I am having the same exact problem with XXXX XXXX and Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28 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: CA

Complaint narrative:
On XX/XX/XXXX and several times before I sent in a certified mail # XXXX XXXX XXXX XXXX XXXX to XXXX , Letter to Equifax Certified Mail # XXXX XXXX XXXX XXXX XXXX request for correction to my credit report as it related to incorrect reporting on a XXXX XXXX Account, which was transferred to XXXX XXXX XX/XX/XXXX. <P/>XXXX XXXX finally corrected my credit file to reflect the Date of First Delinquency for that account to reflect XX/XX/XXXX. Per The Fair Credit Reporting Act Section 623 ( 5 ) ( a ) '' A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss or subjected to any similar action, shall not later than 90 days. '' My contention is per the attached information from XXXX : Delinquencies remain on the credit report for seven years, so the account will show the late payment and the charge off history for the seven years from the original delinquency date ( Date of First Delinquency ). The original delinquency date is the date of the first missed payment that led up to the charge off status. <P/>The original date that led to the charge off status was XX/XX/XXXX. Being that XXXX XXXX took well over the legal statutory reporting to report the charge off, I should not be penalized. Once XXXX XXXX was transferred the file, they should have reported the charge off by XX/XX/XXXX ( within the 7 year time frame ). <P/>The 7-year period shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity ; charge to profit and loss, or similar action. <P/>The time clock on the date the account FIRST went delinquent can not change no matter how many times a charged-off debt is purchased, transferred or sold to collection agency. Basically, the purge from date NEVER changes. The charged-off account can bounce from collection agency to collection agency but according to the FCRA, the debt can only be reported for 7.5 years from the date of first delinquency ( DOFD ). <P/>I believe XXXX/XXXX are guilty of re-aging my file, which is against the law. This item should have been purged. If XXXX XXXX had to internally charge off my account and they decide to do it in XX/XX/XXXX i should not be penalized with reporting of a debt from XX/XX/XXXX. A delay in XXXX internal business processes should penalize me and my family XXXX has not responded to my dispute as of XX/XX/XXXX. <P/>Please let me know if you can assist. <P/>Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My account on  XXXX   says- XXXX  i was w ondering If u guys could partner up with my bank

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Receivables Management Partners, LLC
State: NY

Complaint narrative:
I check my credit report then I see Berk Credit & Collections send my name to credit bureau for a company called XXXX XXXX claimed that I owe them money of XXXX dollars. So I called Berk Credit and state I do n't this company and I am not refused to pay if I ever own money to this company because whenever I am ill I always go to hospital not private MD and my insurance always paid. I ask them to give me the telephone and the address of the company who tell me I owe them money or send me to my address the information. Because I do n't want to pay money to funny credit collectors because I encounter a case like that before. Is simple but they was very rude and refuse to give me the address instead any information from my private life will go against me. I know there is no law who state we must pay someone money without knowing where and why you are paying that money. This is a fair practice- I called the hospital who instructed not to pay because if they have a bill for me they will send it to my address not to a collections agency first.And they practice of calling my house anywhere I am is very unfair practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This letter is to inform you that Experian has failed to respond to my inquiry dispute letter that I sent certified mail on XXXX XXXX, XXXX. As a consumer, I have rights under the FCRA and Federal Law mandates that I receive a response to my dispute letter within 30 days of receipt of my dispute letter. According to the USPS, Experian received my dispute letter on XXXX XXXX, XXXX. Please remove the following inquiries from my report as pursuant to 15 U.S.C. 1681b section 604 ( c ) ( 3 ) of the Fair Credit Reporting Act whereby a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2017-06-28 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: General Motors Financial Company, Inc.
State: LA

Complaint narrative:
I was involved in an accident in the vehicle on XXXX/XXXX/XXXX. The vehicle was declared totaled by XXXX shortly thereafter. XXXX agreed to issue a payment of {$12000.00} toward the remaining balance on the loan, and I had gap insurance through XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX agreed to pay the remaining {$310.00}. The amount has been approved and the check has been sent to GM Financial by XXXX XXXX XXXX XXXX per a phone call on XX/XX/XXXX ; however, because of the delay in payment by XXXX XXXX XXXX XXXX, GM Financial has reported my account as being past due for 30 days to all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28 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: LA

Complaint narrative:
I was involved in an accident in the vehicle on XX/XX/XXXX. The vehicle was declared totaled by XXXX shortly thereafter. XXXX agreed to issue a payment of {$12000.00} toward the remaining balance on the loan, and I had gap insurance through XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX agreed to pay the remaining {$310.00}. The amount has been approved and the check has been sent to XXXX XXXX by XXXX XXXX XXXX XXXX per a phone call onXX/XX/XXXX ; however, because of the delay in payment by XXXX XXXX XXXX XXXX, XXXX XXXX has reported my account as being past due for 30 days to all three credit bureaus.

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