vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have a public record & XXXX XXXX entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how Equifax, XXXX and XXXX verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call Equifax back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, XXXX and Experian verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the  courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.

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 2019-05-29 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: FL

Complaint narrative:
Please reverse the late payments reported on the following accounts : XXXX/XXXX   XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX  XXXX ; account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 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:
Please reverse the late payments reported on the following accounts : XXXX   XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.

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 2019-05-29 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: FL

Complaint narrative:
AccordingtotheFairCreditReportingAct,Section609(a)(1)(A),youarerequiredbyfederallawtoverify-throughthephysicalverificationoftheoriginalsignedconsumercontract-anyandallaccountsyoupostonacreditreport.Otherwise,anyonepayingforyourreportingservicescouldfax,mailoremailinafraudulentaccount.IdemandtoseeVerifiableProof(anoriginalConsumerContractwithmySignatureonit)youhaveonfileoftheaccountslistedbelow.Yourfailuretopositivelyverifytheseaccountshashurtmyabilitytoobtaincredit.UndertheFCRA,unverifiedaccountsmustberemovedandifyouareunabletoprovidemeacopyofverifiableproof,youmustremovetheaccountslistedbelow.XXXXXXXX;XXXXXXXX

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 2019-05-29 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: FL

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by  federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX, XXXX XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Money was taken out of my account and i verified with them and everything for almost XXXX $ thru out XXXX and XXXX and they really did not care or investigated at all.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-29 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: MO

Complaint narrative:
The following inquires I have absolutely any knowledge of, ( 1 ) XXXX XXXX -XX/XX/XXXX, ( 2 ) XXXX XX/XX/XXXX , ( 3 ) 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 2019-05-29 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: MO

Complaint narrative:
The following inquires I have absolutely any knowledge of, ( 1 ) XXXX   Card XXXX, ( 2 ) XXXX XXXX , ( 3 ) 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 2019-05-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: WI

Complaint narrative:
In the beginning of XXXX XXXX we were notified that our loan was being transferred from Seterus , Inc. to Mr. Cooper effective XX/XX/XXXX. I contacted Seterus, Inc to make my XXXX payment on XXXX XXXX, XXXX. I was told that I had an increase in payment of {$54.00} and I should have received a notice. I told the representative that I did not receive the notice. I told him I wanted to pay the {$54.00} and he agreed to wave the {$21.00} late charge. I paid my regular payment of {$2400.00} plus the {$54.00} for a total of {$2500.00}. I asked him if the payment would post before the transfer on XX/XX/XXXX. He assured me that my account was up to date and that my payment would post before the transfer took place. He said I would not have a payment due until XX/XX/XXXX. I received my statement for my XXXX payment and it had a past due amount of {$54.00} plus a late charge of $ XXXX.I contacted Mr. Cooper at least 5 times and sent them a copy of my bank statement with my payment to show that I paid the {$54.00} and that the {$21.00} was refunded by the Seterus rep. This has been going on since my XXXX statement that I received towards the end of XXXX. I just recently sold my home and our closing is on XX/XX/XXXX and I want this taken care of before the end of XXXX. I have also asked for an explanation of a charge of {$1400.00} plus a charge of {$190.00}. We did a mortgage modification while I was in Bankruptcy in XXXX and right after that these charges started appearing on my account. The only explanation they give me is that they are for legal fees. The whole idea was to modify the loan to make the payment more affordable and now I have all these charges tacked on to my loan. We have sold our home and I wanted to get my account straightened out before the closing takes place on XX/XX/XXXX,, XXXX. I just do not understand how they can add these amounts to my account and not notify me of these charges that I know nothing about. I would appreciate any help you can give me to get my account straightened out before my closing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 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: MO

Complaint narrative:
Transunion and XXXX both is in violation of mishandling my credit files by first reinserting an account inwhich was removed in XXXX of XXXX, only to reinsert it in XXXX of XXXX, this account is XXXX XXXX XXXX. It is a consumer law that states that the reporting agencies must give one 5 days notice of reinserting an account. I'm demanding that this account be blocked from my credit files immediately. Secondly, I have demanded a show of the Method of Verification used in the following accounts including the above account. 

Account 1, XXXX {$940.00} Account 2, XXXX XXXX XXXX {$1000.00} Account XXXX, XXXX XXXX XXXX Please provide me with every detail in investigating the above matter at hand. Who did investigated this matter, name and title. Also inwhom did they speak with, name and title. What time, what day, and what physical documentation did you and your companies received. What physical certified documentation did you and your companies provide me. If you can not provide me with this request then as a consumer with rights as stated with the FCRA, the above accounts shall be blocked immediately..My problem with your last investigation is that electronic Verification can not be a valid means for any vertification, there it can not be accepted as proof. Please block the above accounts immediately.

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 2019-05-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: DISCOVER BANK
State: CA

Complaint narrative:
I moved to a new home on XX/XX/XXXX to be closer to services for my XXXX child and during my move, my postal mail did not reach my new address in a timely manner. Consequently, Discover Card charged me {$27.00} late fee and {$5.00} in interest charges in fees on a {$270.00} balance. In the confusion of relocating with a XXXX XXXX child, I regretted not finding the time to notify Discover of my new address, so I paid the fees without complaint, but in addition to receiving an effective APR of 71 % for a two month late payment, Discover reported a late payment to the credit reporting agencies. 

Although the Discover Card website states that they will give " goodwill adjustments '' to customers who make a one-time mistake ( https : //www.discover.com/credit-cards/resources/how-to-raise-your-credit-score-fast/ ). As I've had no other derogatory remarks from Discover during my 21 years of being a customer, I requested a goodwill adjustment on XX/XX/XXXX, but was told that Discover no longer gives goodwill adjustments despite Discover 's own website recommending that longterm customers request one ( please see link above ). 

Due to this derogatory mark, I'm unable to refinance loans to free up funds to assist my XXXX child.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
I have no idea who MEDICAL DATA SYSTEMS, INC is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. MEDICAL DATA SYSTEMS, INC is indicating that an accounts with the account numbers XXXX, XXXX, XXXX were opened with their company in XX/XX/2018. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. 

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1.  Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity. 

2. Provide signed verification of each transaction that is part of the alleged cumulative debt.

3. Provide the contract or other instrument through which [ Alleged Creditor } authorized MEDICAL DATA SYSTEMS, INC as third-party collection agent.

4. Provide a true and correct copy of the instrument by which [ MEDICAL DATA SYSTEMS, INC } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ).

5. Provide the delegation of authority from the Director of the Office of Management Budget to MEDICAL DATA SYSTEMS, INC, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ).

6. Provide the Certified Assessment Certificate.

Gramm Leach Bliley Violation ( s ) : Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ).

Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ).

Failure to provide an Opt Out Notice.

Failure to disclose as required by federal law mandatory information in their Privacy Policy notice.

Sharing Non Public Information ( NPI ) without providing an Opt Out Notice

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 2019-05-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: IA

Complaint narrative:
On XX/XX/2019 my bank issued two checks to pay off two credit cards to Sears Mastercard. They were over nighted and received by the company on XX/XX/XXXX, they checked cleared my bank on XX/XX/2019. These are cashiers checks issued from my bank from a home equity loan I was approved for. The bank sent a letter and the checks together in one envelope. I started to enquirer on XX/XX/XXXX as to why I still getting calls that Im delinquent in my payment for these credit cards. On XX/XX/XXXX I was finally told that not enough information to identify my account number was put in the checks. I then faxed over a payment stub for the one account with my full 16 credit card number. This check is for XXXX and I was told it should take 3 to 5 business days for this case. On XX/XX/XXXX I faxed over the other payment stub for my other account in the amount of {$4600.00}. I then called again that Thursday and still nothing and then Friday XX/XX/XXXX I was told I needed the endorsed part of the cashiers check to be faxed over to them so they can see that they did cash the checks. My bank did fax over that information on XX/XX/XXXX. I called today XX/XX/XXXX and the billing person said that she saw the case open on the XXXX. I questioned her because I was told it was open on the XXXX. And then she asked if it was one check for XXXX and I told her no it was 2 different checks equaling over XXXX dollars. I feel that no one has taken responsibility of my case. I get a different person all the time with no direct line to call to ask how things are going. They keep calling me wanting a payment so obviously they are not reading my notes or notifying them that I have a pending payment case. And I am adding up interest fees and late charges and its hurting my credit score. This isnt a small amount of money we are dealing with. I dont understand why they cant see the amounts of the checks to the penny that was cashed in the XXXX and credit my accounts. I am frustrated and feel I am getting the run around. This is sears MasterCard that is backed by citi bank the cashier check # XXXX for amount of XXXX for card number XXXX cashier check # XXXX for {$6200.00} for card number 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 2019-05-29 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: FL

Complaint narrative:
Unauthorized credit inquiries : 1-Company named XXXX XXXX performed an unauthorized credit inquiry on XX/XX/XXXX. 



2-Company named XXXX performed an unauthorized credit inquiry on XX/XX/XXXX. 

3-Company named XXXX performed an unauthorized credit inquiry on XX/XX/XXXX. 

4-Company named XXXX  performed an unauthorized credit inquiry on XX/XX/XXXX. 

5-Company named XXXX XXXX performed an unauthorized credit inquiry on XX/XX/XXXX. 

6-Company named XXXX performed an unauthorized credit inquiry on XX/XX/XXXX. 

7-Company named XXXX XXXX XXXX performed an unauthorized credit inquiry on XX/XX/XXXX. 

8-Company named XXXX performed an unauthorized credit inquiry on XX/XX/XXXX. 

9-Company named XXXX XXXX performed an unauthorized credit inquiry on XX/XX/XXXX. 

10-Company named XXXX performed an unauthorized credit inquiry on XX/XX/XXXX. 

11-Company named XXXX performed an unauthorized credit inquiry on XX/XX/XXXX. 

12-Company named XXXX performed an unauthorized credit inquiry on XX/XX/XXXX. 

13-Company named XXXX XXXX XXXX performed an unauthorized credit inquiry on 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