vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Case numbers : XXXX need to know why my credit score dropped dramatically.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Trans Union I 'm a victim of a transition glitch. 

Inquiries not authorized XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2015-11-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I had a car loan with XXXX XXXX that was paid off in XXXX 2012. I had a very good professional relationship with the company and a excellent payment history. I recently checked my credit reports online and I was very surprised to see the credit bureaus are reporting this account with a lot of negative history.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I originally mailed my dispute letter to Trans Union on XXXX XXXX, 2015 and followed up with another letter on XXXX XXXX, 2015 and till this date i have not received a response.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I have very little credit history, so when I try and request my credit report it wo n't let me because my address, current employment is not up to date and it has little credit history to validate as well. I just want to correct my address, and that I do not have an employer now, but I now receive XXXX as my monthly income now. I have also disputed quit a few open accounts on my report for various reasons and they are suppose to be investigating that but I have not heard anything.

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 2016-05-27 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I have an account with Ally Bank and over the past 6 months I have overdrafted my account between paychecks. The maximum amount that my account was overdrafted for was {$75.00}. On Wednesday, I deposited a check for the amount of {$4000.00} which now Ally bank is holding until XXXX XXXX for NSF reasons. When called multiple times, Ally Bank first informed me that they were required by law to hold the funds for 5 business days due to Regulation CC ( I looked up regulation CC and informed them that had no such requirement ; Regulation CC requires them to inform me if they place a hold, not place a hold itself ). Upon providing this information, the line went silent and the agent hung up on me. I called Ally bank back and was informed, that it does n't matter what I do. All checks will be held for up to 5 business days regardless of the amount. I find it grossly unfair that a bank can place a hold for an arbitrary amount due to repeated overdrafts ( I offered to have part of my check to be held that was a reasonable multiple of the overdrafted amount in the past ). Additionally, I find it fairly misleading that banking institutions are informing consumers that they are *required* to hold funds, while rather they are required to inform consumers to hold funds.

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 2015-12-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax has deleted closed trade lines that would be considered positive, well before the 7-year and/or 10-year reporting time frame. By comparison, Equifax continues to report closed trade lines that would be considered negative. The other credit reporting agencies have continued to report these trade lines despite the fact that Equifax has removed them, without reason, and without being consistent with their other reporting methods. I would ask that Equifax investigate and re-add these missing trade lines to my credit report, since they are younger than the 10-year reporting threshold.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I have disputed this several times as it is being listed incorrectly. I have had a very hard time getting information as to why this is on my account. It does not list creditor or who filled complaint with the court. It just says XXXX and a release date of XX/XX/XXXX. This item is so vaguely listed and has an incorrect release date, considering that this was paid in XXXX. In XXXX, I was notified by XXXX that I owed them money for an over payment of benefits. This was paid in XX/XX/XXXX, I have attached receipts of payment from XXXX. 

This account was deleted by both XXXX and XXXX because this account is incorrect and should have never been reported on my credit report. This was clearly paid in XXXX and needs to be updated or removed immediately. I am being denied a mortgage because of this incorrect item.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This federal tax lien was paid and WITHDRAWN through the XXXX and should have been removed from my credit report. I uploaded the form from the XXXX to Equifax and disputed it XXXX, but they say they keep verifying with the XXXX County tax recorder office. I 'm attaching the form from the XXXX verifying the lien was paid and approved for withdrawal.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
My XXXX XXXX account is showing 41 % credit utilization there is less than 10 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-31 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to '' ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
There is a student loan with XXXX XXXX XXXX on my Equifax Credit Report which states the status is " wage earner plan. '' That is incorrect ; my Chapter XXXX was converted to a Chapter XXXX and was dismissed in XX/XX/XXXX. Since student loans ca n't be discharged in bankruptcy, this loan was subsequently paid as agreed. The attached credit report from Equifax says the date of my XXXX delinquency was XX/XX/XXXX. That is incorrect. That is the date I filed my Chapter XXXX, which was subsequently converted to a Chapter XXXX, and thereafter it was paid as agreed. I have also included a copy of my XXXX Credit Report as proof that this loan was not delinquent. The bankruptcy status on the Equifax Report is throwing my account into a negative status. If the account is being paid as agreed it should not be in a negative status. They ca n't have it both ways - either I 'm in a positive status or a negative status. The bankruptcy notation should not be on this item as it was not discharged through bankruptcy and it was paid as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Dovenmuehle Mortgage, Inc.
State: TX

Complaint narrative:
Brand new mortgage, first payment due XX/XX/2016. Payments are {$1100.00} a month. Made two {$600.00} payments in XXXX, none of which was applied to the XX/XX/XXXX payment despite the fact that both payments were made before the XX/XX/XXXX due date. Made inquiry and request to have the payments from XX/XX/XXXX applied, which they did. Was informed that they " do n't accept partial payments because their systems ca n't handle it ''. I was also told that if I make partial payments, they will likely not get applied to my account. I have received nothing from the servicing company, ever, much less anything stating this policy. My financier 's statement clearly states that partials will be held in a suspense account until enough is paid to cover a full payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-31 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Pressler & Pressler, LLP
State: NY

Complaint narrative:
I got a letter from Pressler and Pressler. They claim I owe a debt of XXXX. I requested validation immediately. This debt is not mine and I know they have no proof but the letter and my rights say i must request validation. I sent the request certified mail to XXXX XXXX. recipient did not print name on card. I got some strange looking copies of documents. They claimed to be court transcripts from XX/XX/XXXX. I had never seen these before. There was no court appearance date. I was never served a subpoena or sent anything through registered or certified mail. Even if this debt was mine, which it is not, this would be a lack of due service. you cant just SAY someone owes you a bunch of money and have no proof. I was also given a credit card number I never had. I sent a restricted mailing to XXXX XXXX. The signature was again illegible on the return card. I advised him the documents he sent were not proof of any debt owed to them by myself. I then got another letter telling me of alleged debt to which I am advised to send another validation letter within 30 days or debt will be considered valid. How many times will I have to do this? I believe they are trying to get a default judgement but the debt is not mine. If the debt was mine, which it is not, I feel i should have heard about it long ago since on the paper i was sent it says the last payment was XX/XX/XXXX. Why am I suddenly getting letters from this place now? I realize they are a junk debt buyer but I never had this credit card they say I did. If they could prove otherwise I would not be complaining against them obviously. I feel I will be inundated with mailings from them until i get sick of it and give up. I do not wish to give up because I DO NOT owe these people any money but they are legally allowed to continue to use my name as leverage to try to obtain money that is not theirs.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I provided a letter to Equifax that contained an AUD number for the deletion of a collection account entered by XXXX XXXX XXXX in the amount of {$240.00}. This should have resulted in an immediate removal following verification of authenticity. Furthermore, I gave the AUD number to the representative, XXXX, that I spoke with on XXXX/XXXX/2016. I understand that most cases would require a XXXX investigation but the credit bureau has been given the tracking number for the deletion which should expedite this matter and they have chosen to ignore it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-17 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have disputed an incorrect collection that had been submitted against me from XXXX XXXX for 6 months now. I had disputed it as soon as it appeared on my credit report which I was alerted by XXXX. I called XXXX and submitted a dispute against this collection as well as the other XXXX XXXX and Equifax. I had submitted various disputes against that collection with XXXX and Equifax and both came with results that the collection belonged to me. I was not challenging the fact whether or not it belonged to me I was challenging the fact that it was a Medical bill that had gone unpaid by XXXX. I explained to all XXXX bureaus that this bill pertained to a No-Fault accident that I was involved in. I was the passenger of the vehicle that was struck from behind. The vehicle I was in was insured with XXXX and the vehicle that struck us was insured with XXXX. My motor vehicle accident took place on the afternoon of XXXX XXXX, 2014. I had made my attorney aware of the bills and submitted it to them. I also made them aware that XXXX collection was contacting me and threatening that if I didnt pay I would be sent to collection. The Representative XXXX who works with XXXX collection was really rude and when I tried explaining my situation she hung up on me. My credit report shows no late payments, my credit history is mint and everything has always paid on time. This is what I have on my side and I explained to the credit agencies that if I were responsible for this bill I would have paid the {$200.00}. But I am not. This collection has stopped me from purchasing a home and has been damaging to me and my credit history. I have tried many times to contact the credit bureaus and with no resolution. XXXX has been the only one who removed and deleted this collection off my report. My attorney has also submitted a letter notifying the collection company to hold off collection due to the fact the case is still open and pending settlement. And they continue to notify no payment/ or delinquent on my credit report. My case is still in litigation and my attorney who is representing me is seeking to schedule an examination under oath so we can finally close this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Continental Services Group, Inc. d/b/a ConServe
State: MO

Complaint narrative:
My loans from the US Dept of Education ( Federal level ) have been in default. There are 11 loans in total. 
My loans are apparently handled by the US Dept of Education and a Collection Agency called ConServe. 
I had a federal tax offset of {$4200.00} which was handled by the USDept of Education. I called and spoke with ConServe and the USDEdu, asking if I could apply my offset to specific loans so they would be paid off. I was told their policies does n't allow for this and they will divide it among all 11 loans equalling about {$380.00} per loan. Doing the financial analysis on this, that is pointless as the interest will accrue and make that money worthless. 

I spoke with the supervisor at USDEdu, named XXXX, Employee number XXXX and she told me they will apply the money to the loans of my choosing. I confirmed that this is OK to do from the Department of the Treasury. About 2 weeks ago, around XX/XX/XXXX, I called back the US Dept of Education to confirm which loans I wanted the money applied to.. Strangely, the balance they gave me on these loans was suddenly {$400.00} more than the previous week when I received my loan information from XXXX. I asked to speak to XXXX about it but they claimed they have no employee there by that name and have no way of verifying employee extensions. 

Frustrated, I reluctantly let it go for the time being. Today, XX/XX/XXXX, I contacted ConServe to verify those two loans were indeed paid off. They are now telling me that the money was applied to ALL 11 loans per the US Dept of Education guidelines, and there was a note in my account on XX/XX/XXXX by the US Dept of Education saying they would not apply the money in full to the loans in question. ConServe basically always tells me theres nothing they can do and to contact the US Dept of Education. The US Dept of Education always tells me theres nothing they can do and to contact ConServe. I do n't understand why I ca n't apply MY money, the way I want it applied to MY loans. This seems like unfair practices designed to work in the creditors favor and oppress me as the borrower who is trying to take care of these loans. 

It is also my understanding that tax offsets can not be applied to collection fees, and I believe they have done this as well based on the sudden {$400.00} increase per loan but they refuse to send me a financial statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX Fl XXXX Equifax Information Services , LLC . 
XXXX, GA XXXX XXXX Dear Sir or Madam, I am writing in regards XXXX XXXX XXXX and XXXX XXXX account on my credit report. On XXXX/XXXX/XXXX I have file complain to the CFPB I sent a letter explaining the situation. 

All this accounts have been process and closed in XXXX not in to XXXX and the discharge date was XXXX not XXXX. 

In addition it has been 8 years seen this Loan were reported to the Credit Bureau. 

My Understanding was that Art institute took XXXX loans and the XXXX of XXXX XXXX and clears this loan in XXXX. However on my credit Report it appears XXXX loans from different agencies. 

I 'm requesting this loan to be remove from my credit report. 

I have enclosed copies of all my records correspondence. 

I look forward to your reply and resolution to my problems. Thank you for the opportunity to clarified this issued. 


XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I disputed an account with XXXX XXXX XXXX XXXX with Equifax. 
This account was removed from my from my credit report, after my dispute. Then, it appeared back on my report. 
I disputed it again, and once again it was removed. 
Now, it is back and showing active since XXXX XXXX. THIS IS WRONG. 
This account was closed in XXXX, is not active, and has NOTHING owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: DISCOVER BANK
State: AZ

Complaint narrative:
I made a purchase of {$480.00} on XXXX XXXX, 2015 using my Discover it card with XXXX. Discover was running a promotion offering 10 % cash back on purchases made using XXXX. Discover has not paid the 10 % cash back that was promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Dovenmuehle Mortgage, Inc.
State: CA

Complaint narrative:
I mailed a {$220000.00} mortgage payment in accordance with the instructions contained within the monthly mortgage statement provided by Dovenmuehle Mortgage on XXXX XXXX, 2016. Dovenmuehle received the check on XXXX XXXX, 2016. Dovenmuehle returned the check on XXXX XXXX, 2016. Dovenmuehle charged me an additional interest of $ XXXXbecause it did not post the payment. Dovenmuehle said it used procedures that were NOT DISCLOSED to me within the monthly mortgage statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-30 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: DISCOVER BANK
State: VA

Complaint narrative:
We booked an accommodation for XXXX nights in XXXX through XXXX, based on the rate clearly indicated on their web site, namely {$99.00} per night. The reservation I.D . number is XXXX. There was a confusing email exchange with the host, XXXX, concerning the security deposit, which we understood to be an addition to the daily rate. So far no problem. But when the Discover Card statement arrived, to our shock and dismay, the rate came out to double the clearly advertised amount. 
We called the XXXX help desk, and had a texted chat with " XXXX. '' He was friendly, but inside his narrative was a lot of what XXXX XXXX would call argle bargle. Examples, from the printout of the exchange : " When you made your reservation and entered in your dates it should have given you a clear nightly breakdown '' [ it did not ]. " Your host had custom pricing on the days that you booked. '' [ what can that possibly mean, other than false advertising? ] " The nightly rate changes upon entering dates as different dates can have different rates similar to hotels. '' [ If so, they should be clearly shown at the outset, especially if they constitute double the advertised rate. ] The bottom line is that this is deceptive, false advertising, plus what we midwesterners call bait and switch. We had thought that the amount on the credit card statement, namely {$1000.00}, involved cleaning fees and deposits, but it was instead a pure ripoff. The host might indeed set the rates, but the web site should not clearly draw in customers with a phony, never-relevant daily price. The host 's command of XXXX is less than perfect, so I declined " XXXX 's '' suggestion that I deal directly with him. The host did not construct the web site, XXXX did. Thus it is their responsibility/culpability that is at issue here.

Company response to consumer: Closed with non-monetary relief