vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
After viewing my credit report that was received via mail from Equifax. I observed a statement listed in reference to an account that is no longer on my credit report due to fraud. I am requesting for that statement to be deleted in reference to XXXX XXXX. That account has been deleted as should. Due to being a fraud victim I am requesting for my credit file statement to inform creditors to contact me at the contact number provided on my credit report before extending/ verifying credit. Please list the contact number so creditors can contact to verify my identity. The contact number can be found in this dispute or on the document attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS
State: SC

Complaint narrative:
Applied for increased amount of life insurance. Offer came back at a higher premium than quoted. Unwriter referenced Lexis Nexis score as the reason why. Have secured the full Lexis Nexis report. It is grossly inaccurate. Following are the inaccuracies : 1 ) A former roommate is listed 11 times under the " Identification Records '' with my social and birthdate.

2 ) There was no lapse in my car insurance between switching from XXXX to XXXX in XXXX of this year. Have proof, including the SC DMV letter acknowledging this correction has been noted. XXXX ended on XX/XX/XXXX and XXXX began on XX/XX/XXXX. 
3 ) Section 6, XXXX, Page 26, Record 4 : This is devoid of any information, as are the other 3 records, except for the word " XXXX  '' next to the category " Type ''. Don't know what this is or is not, but I'm concerned with the word " XXXX  '' on my record. Especially given that the underwriter notified our insurance agent that she couldn't actually see any of the report that we're looking at. Simply she was given a score number that she based her downgrade of my insurablility rating. The word " conviction '' seems like something that might prove detrimental to whatever is this scoring rubric. 
4 ) XXXX XXXX File Report, Page 1 : DOB/Age shows " XXXX ''. 
Dependents shows " OO '' ( I have two ) Address shows " Since : XX/XX/XXXX '' ( I have rented here, with stellar rental history, since XX/XX/XXXX, proof available. ) 5 ) Employment : Is completely devoid of any information. ( I have worked at the same job, same company since XX/XX/XXXX, earning $ XXXX. Have proof of this too. ) Would like to see this corrected as soon as possible, as my family 's security ( via adequote life insurance ) is in limbo until this is corrected, thereby supplying our underwriter with accurate information to be able to return my insurance offer to its original status. 

Thank you so very much for your time and effort and for being around to help those of us who are negatively impacted by this sort of gross negligence in information accuracy. 

Please let me know what I need to do to aid this effort further. I'll be glad to supply whatever information necessary to move this correction forward with expediency.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 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: PA

Complaint narrative:
im filing because there are inaccuracies on my report that do not belong to me and i wish for them to be removed ive already tried calling and mailing letters hopefully this reaches the right place

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collections Acquisition Company, Inc.
State: SC

Complaint narrative:
on XXXX 2020 i disputed the items with XXXX  about i have already the debt to the original creditor and they have not remove it from my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: DISCOVER BANK
State: IL

Complaint narrative:
I contacted Discover Card today, XX/XX/XXXX for they are insisting to pay {$870.00} XXXX Most of it charges for late payment ). The Instant pot that I had bought from XXXX had been returned since the end os last year and XXXX had credited it on XXXX XXXX, XXXX. I also returned five boxes they sent by mistake. Still Discover card is billing me for something I did not buy. 
I would to correct this situation with Discover Card. 
Please help, Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
Today, XX/XX/30, I attempted to use my Chase Southwest Card and found out my limit had been decreased by {$2800.00}. My limit has been {$10000.00} for as long as I have the card. I have been a loyal customer to Chase for many years. I have NEVER made a late payment. My auto loan is with Chase as well. When asked about the reason why it was decreased, none of the reasons even apply to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ALLIANT CREDIT UNION
State: AZ

Complaint narrative:
To Whom It May Concern, My wife and I encountered several issues with Alliant Credit Union at the time of mortgage payoff and post closing of said mortgage. We requested a payoff statement as well as stop payment on our mortgage prior to the sale of our property. Despite the confirmation that the final mortgage payment would not be processed, Alliant credit union went ahead and in fact debited our account for an additional payment which resulted in incorrect payoff statement which subsequently delayed our new property purchase. 

Further to this ineptitude from Alliant, on XX/XX/2020, an additional payment for a mortgage that not longer exists was processed. This has created financial hardship and we are receiving a lack of sense of urgency and inadequate response times.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Aspen Yo LLC
State: IL

Complaint narrative:
When trying to make a monthly mortgage payment to Gregory Funding, which is a new mortgage company, as our loan was transferred, the website keeps crashing. When attempting to call, the number provided goes to some random voicemail. I have no confidence in making payments to this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 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: NC

Complaint narrative:
I finance a car through XXXX XXXX XXXX since 2016 ). A few months ago, it came to my attention that they had reported several late payments to the XXXX XXXX XXXX, which I believe are in error. I have contacted XXXX XXXX, as well as the CRAs several times to no avail. This erroneous reporting has had a severe negative impact on me, as I have been recently denied credit, including a mortgage. I have proof of payments that were made for the months in question, as well as extension agreements where XXXX XXXX agreed to allow me to skip monthly payments. XXXX XXXX and the CRAs are violating the Fair Credit Reporting Act that states only true and accurate information can be reported, or else MUST be removed. At the very least, there is proof that XXXX XXXX has not reported my payments accurately. They have reported me as 30, 60, even 90 days past due inaccurately! I have made several requests to them to fix their error, even attempting to email the CEO personally. I'd like the inaccuracies removed immediately. The inaccurate information violates both the FCRA and the extension agreement granted 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 non-monetary relief
Consumer complaint received 2020-11-30 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: NY

Complaint narrative:
Hello! My identity was stolen from me and I noticed alot of fraud on my credit report. I have filed for Identity theft. Please help me by removing the accounts from my credit report. I have attached my Identification accompanied with my federal trade commission report. This is a serious matter as I can't move on with my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 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: AES/PHEAA
State: SC

Complaint narrative:
XXXX XXXX filed a complaint and a proposed stipulated judgment in federal district court for the Southern District of Indiana alleging that XXXX provided substantial assistance to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in engaging in unfair acts and practices. XXXX operated XXXX XXXX XXXX until it filed for bankruptcy and ceased operations in XXXX. XXXX  XXXX complaint alleges that XXXX  was actively involved in the creation and the implementation of the XXXX loan program. The complaint alleges that XXXX induced its students to take out the loans by a variety of means, and that XXXX knew or was reckless in not knowing that many student borrowers did not understand the terms and conditions of the XXXX  loans and could not afford them. 

On Saturday, XX/XX/XXXX, it was announced that student loan cancellation benefits will be offered to XXXX former XXXX XXXX XXXX, with up to {$160.00} XXXX dollars in debt being forgiven. 

This agreement was reached as part of a deal between the Consumer Financial Protection Bureau ( CFPB ), State Attorney Generals from 43 different states, and Student CU Connect ( CUSO ), the company who distributed and managed private student loans for XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: OR

Complaint narrative:
Unfortunately, I lost my home to wildfire on XX/XX/XXXX. A couple weeks later I received an insurance check for my dwelling coverage which I signed and forwarded to my lender Dovenmuehle at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, IL XXXX with instructions to pay off my mortgage and refund the amount above my outstanding loan balance which was approximately {$33000.00}. On XX/XX/XXXX my escrow account showed the check was applied towards my outstanding loan balance resulting in a XXXX loan balance and a $ XXXX escrow balance. I was told the escrow balance would then be promptly refunded to me. However, in spite of paying off my loan in full Dovenmuehle subtracted an XXXX mortgage payment of $ XXXX. About 5-6 weeks ago Dovenhuehle said they mailed the $ XXXX check but it never arrived. However, I did receive a refund of the XXXX mortgage payment. I called back in early XXXX asking the status of the $ XXXX check and they were concerned it never arrived as they stated it was sent more than a couple of weeks earlier. They advised I wait until XX/XX/XXXX and if it didn't arrive by then to call back to have them cancel and reissue the large check. I called on XX/XX/XXXX and requested a cancelation and re-issuance of the check because it never arrived. Then on XX/XX/XXXX I received a check which was meant to be the amount above my pay off, the $ XXXX check, but it was another refund of one mortgage payment. To date, I've received two checks, one for the amount they mistakenly debited from my account and a second payment which was supposed to be for approximately {$33000.00} but instead they sent a payment for a mortgage payment around {$2200.00}. They have really messed up twice in two months and after calling today they said they messed up again and it may take up to a month to issue a new check. I'm upset that they have messed up twice and will not escalate this to have it resolved. After losing a house from wildfire the last thing you expect is a mortgage company to incompetently hold onto your funds while you're left in the lurch.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Gurstel Law Firm, P.C.
State: MN

Complaint narrative:
I recently sold my house. During the process, I learned that my ex-husband had debt which had gone to judgement and there was a lien on the house. In the divorce, I was awarded the house and we were both responsible for our own debt. The title company told me I could not close unless these were paid. I contacted my ex-husband to find out what needed to be paid. He contacted the agency to ask them for settlement and payoff amounts. He gave them permission to speak with me. I called on XX/XX/2020 and asked them to send payoff amounts to the title company. I was assured they would be there that afternoon or by the next morning, at the latest. The documents were not sent until late the next afternoon and one of the pages did not make it. I attempted several times to contact them again for them to resend it. None of my messages were returned. I continued to call and eventually spoke with the same person who told me they would be there by morning. He said he could resubmit the request to send, but it would take 24 hours. I asked if it could be expedited, since it was faxed already, but did not go through. He said he had no way to telling me when it would be sent. I spoke with a supervisor who assured me he would contact the department which sends these and ask them to expedite it. It is now XX/XX/2020 and we have not received the document. I emailed and asked it be forwarded to a manager. I also asked my ex to call them again. He did and was told they would send the documents right over. That was 3 hours ago and they still have not been received. The title company is holding my funds until they receive this. The collection agency 's failure to send a payoff amount is hindering my ability to move forward with the purchase of my home. How can I get them to send this, so I can pay it and move on?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-30 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: FL

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

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 2020-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc
State: CA

Complaint narrative:
I have requested a background check from XXXX to start working as a delivery driver for XXXX XXXX, XXXX, and others but they came up with a background check with incorrect information. When I sent a complaint to the company, they basically told me that their system is always accurate and that their previous background check is correct without providing evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 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: SC

Complaint narrative:
XXXX XXXX filed a complaint and a proposed stipulated judgment in federal district court for the XXXX XXXX XXXX Indiana alleging that XXXX provided substantial assistance to XXXX XXXX XXXX XXXX XXXX ( IXXXX ) in engaging in unfair acts and practices. XXXX operated XXXX XXXX XXXX until it filed for bankruptcy and ceased operations in XXXX. XXXX XXXX complaint alleges that XXXX  was actively involved in the creation and the implementation of the XXXX loan program. The complaint alleges that XXXX induced its students to take out the loans by a variety of means, and that XXXX knew or was reckless in not knowing that many student borrowers did not understand the terms and conditions of the XXXX loans and could not afford them. 

On Saturday, XX/XX/XXXX, it was announced that student loan cancellation benefits will be offered to XXXX former XXXX XXXX XXXX, with up to {$160.00} XXXX dollars in debt being forgiven. 

This agreement was reached as part of a deal between the Consumer Financial Protection Bureau ( CFPB ), State Attorney Generals from 43 different states, and Student CU Connect ( CUSO ), the company who distributed and managed private student loans for 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 2020-11-30 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: FL

Complaint narrative:
THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT. PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT.

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 2020-11-30 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 — Investigation took more than 30 days
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
Ref account number XXXX ALLY Finance. I disputed inaccurate data, and the results came back verified. This account has three inaccuracies. This account was paid and close in XXXX, however ALLY reports late payments in XX/XX/XXXX. This should be an easy investigative outcome, however XXXX reports, they can not correct the inaccuracies because ALLY verified the report. It Is impossible to have an account closed in XXXX, with late payments in XX/XX/2020. This was the second time ALLY reported late payments in XXXX. Both times affecting the score on my reports. 
ALLY also reports late payments in XXXX and XX/XX/XXXX. Please not there are only 28days in XX/XX/XXXX. ALLY reports payments on XX/XX/XXXX then again on XX/XX/XXXX. That is a difference of 28 days apart. Payment More importantly the data sent to the credit bureaus shows standard monthly payment, with no late payments made. This indicates, this account was never late, as it would accrue a late payment charge. 
1.To summarize, there is a late payment in XXXX which is ( 3 years after the account was paid off ) 2. There are late payments in XXXX and XXXX, showing payments on and within 30days, with no late payments accrued, or paid.

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 2020-11-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southern Service Systems, Inc.
State: LA

Complaint narrative:
so call debt was paid in full no XX/XX/2018 voucher # XXXX

Company response to consumer: Untimely response
Consumer complaint received 2020-11-30 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:
Hello! My identity was stolen from me and I noticed alot of fraud on my credit report. I have filed for Identity theft. Please help me by removing the accounts from my credit report. I have attached my Identification accompanied with my federal trade commission report. This is a serious matter as I can't move on with my life.

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 2020-11-30 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: FL

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

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 2020-11-30 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: FL

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

Company response to consumer: Closed with explanation