vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-27 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have submitted several disputes to TransUnion for over 6 months now ; disputing the inaccurate, misleading, and unverifiable information listed on my credit report from multiple creditors. I have asked TransUnion on multiple accounts to remove any and all addresses, as well as personal information that does not belong to me, nor that I have ever lived at, and TransUnion will not acknowledge my request. TransUnion has continuously sent me a response to every dispute I send them, almost immediately refusing to thoroughly investigate the accounts because I have " previously '' disputed the accounts and they came back verified. My initial dispute was submitted in XX/XX/2015. I have sent a dispute every month since then, re-disputing the accounts with more information, or with a different reason as to why these accounts should be removed immediately. I have also requested method of verification, as well as proof of verification, and they have completely disregarded my request and thrown out my investigations entirely. I do not know where to begin in regards to having this matter resolved as I am constantly having to face an uphill battle with a company who is proving they are not abiding by the law and completing a full and thorough investigation. I am requesting that you please look into this matter and have TransUnion complete a full and thorough investigation of the accounts listed in the attached letter. I have sent them certified/registered mail with return receipt every month, and I know they have received my disputes because they reply back with the letter indicating the dispute will be disregarded to being previously investigated. Which I am aware of, but I am giving a completely different dispute reason every time. Please assist. I thank you for your time and help on this matter. 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 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 2017-02-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have disputed several times the following items which are PAST THE STATUTE OF LIMITATIONS AND THE CREDIT REPORTING AGENCIES ARE LISTING INACCURATE DATA WHICH VIOLATES MY RIGHTS ON THE FOLLOWING XXXX XXXX XXXX XXXX XXXX original DLA is PAST THE STATUTE OF LIMITATIONS XXXX XXXX # XXXX {$46000.00} XXXX XXXX XXXX # XXXX Original DLA is PAST THE STATUTE OF LIMITATIONS XXXX XXXX $ XXXX DUPLICATION AND PAST THE STATUTE OF LIMITATIONS XXXX XXXX # XXXX XXXX PAST DUE $ XXXX DUPLICATE AND PAST THE STATUTE OF LIMITATIONS XXXX XXXX XXXX # XXXX NO SUCH DEBT OWED REMOVE AS REQUESTED SEVERAL TIMES XXXX XXXX ORIGINAL DLA IS PAST THE STATUTE AND YOUR COMPANY HAS SAME ACCOUNT LISTED TWICE WHICH IS A DUPLICATION REMOVE AS REQUESTED SEVERAL TIMES

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 2017-03-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have been disputing this information for the past two years and it keeps getting worse. My child was in the band when she was in middle school. I rented an instrument from XXXX back then and turned it in on time. I no longer have anything with them. I noticed on my report last year that they were saying the account was 30 days late and I disputed it, but nothing was done. I disputed it again and then they started reported it as paid as agreed and that I was paying every month. I do n't have anything from them, nor am I paying on any account. So they have it as a creditor and they also have it in my collection section showing that as a negative remark. They keep reporting this and it is impacting my credit score dramatically. They keep reporting it every single month on moth sides. I have sent a letter to XXXX and to the Credit Bureau and they continue to report it. My credit score dropped down when they added it to my current creditors as if I had credit with them.

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 2017-03-17 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
Ally 's so-called " XXXX is a total rip-off! They falsely advertise that 'your rate goes UP if/when the Fed raises rates ''. They are LIARS! In 4 years times I was to receive rate hikes when The Fed raised rates - which The Fed did - twice. The first time The Fed raised by 0.25 % I was given only 0.04 %! The second time I got NOTHING except a snot letter from Ally that rates are 'raised solely upon OUR choice ''!

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 2017-03-13 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian is reporting inaccurate, damaging credit information after their " verification '' for a furnisher that appears to be incapable of reporting accurate complete and true information.This unconscionable behavior is illegal according to the FCRA and carries statutory damages that Experian must pay.In addition the FCRA allows and suggests that when a furnisher is habitually error prone, Experian is allowed to block the furnisher and in so doing protects Experian from liability for false inaccurate reporting.Attached are XXXX bureaus reporting within last 3 weeks, all are inconsistent with each other.Experian reports a collection in XXXX 2012 while the other XXXX bureaus report that the case was closed in XXXX of 2012. 
The XXXX XXXX ... ACCOUNT ON MY EXPERIAN seems incapable and unwilling to report correct complete and accurate information to Experian that is required by law to report ... ... SO THE FCRA directive IS REPORT ACCURATELY OR DO NOT REPORT AT ALL AND PAY XXXX DOLLARS FOR EACH PROVEN INCIDENT OF DISOBEDIENCE TO FCRA TO THE PERSON REPORTED ON.

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 2017-03-31 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: ALLY FINANCIAL INC.
State: CT

Complaint narrative:
I am in bankruptcy as of XX/XX/XXXX. As such, I should be afforded all bankruptcy protection from creditors as per the automatic stay. This account is reporting that it is included in my bankruptcy, as well as is reporting me as late. My wife and I have been constantly monitoring our credit on a weekly basis during this entire bankruptcy process as my scores have a direct effect on my line of work. This reporting of lates has crushed my credit score and needs to removed ASAP. This is double hitting my credit score : once for being in bankruptcy and again for reporting me late. THIS REPORTING OF LATES IS ILLEGAL. This creditor is also reporting me late for XX/XX/XXXX when it 's XX/XX/XXXX, i.e. the month is n't even over yet!!

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 2017-03-20 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have asked Experian to delete wrong personal information from my report, and they have fail to do what I have requested to do.

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 2017-03-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have disputed this information on numerous occasions. Experian 's refusal to properly investigate inaccurate information appearing on my credit file leads me to one conclusion, I am being discriminated against based on my ethnicity and gender. I have several Virginia XXXX accounts appearing on my credit report that lists incorrect information. XXXX account list a monthly payment of {$0.00} and last payment made in XXXX and XXXX. I am requesting a copy and proof of how the payment was made. I have not made any payments to Virginia XXXX XXXX since XXXX. All Virginia XXXX XXXX accounts are reporting beyond the legal reporting time of seven years. Experian refuses to update my credit report to show that these items are in dispute which is a clear violation of FCRA. I continue to receive conflicting information from Experian regarding this dispute. The Virginia XXXX XXXX accounts also list monthly payment terms and date opened incorrectly. Please stop discriminating against me and remove this inaccurate information from my file.

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 2017-03-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I have requested over and over again for Experian to delete incorrect information from my credit file. I ( See the attached XXXX which DOES NOT HAVE MY NAME OR SOCIAL ON IT ), yet it is listed on my report. Experian has continued to violate the FCRA and the rights that have afforded me by practicing deceptive reporting and Experian is continuing to aid them by holding my credit hostage with inaccurate information. It is for these reasons that I am disputing the following and asking for complete deletion from my file. 
The following is maintained under my Social Security Number : XXXX XXXX Account # XXXX You can see that the attached XXXX DOES NOT HAVE MY NAME OR SOCIAL ON IT BY ACCORDING TO XXXX OWN DOCUMENTATION AND REPORTING. Thanking you in advance for assisting me in having an accurate credit file, with your credit reporting agency.

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 2017-02-27 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
i have fraudulent names, inquiries, credit accounts, names and addresses that I have disputed and Experian XXXX and XXXX will not remove. 
please help me as I am a victim of fraud an after filing with the FTC I still can not get help from the credit reporting agencys

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 2017-03-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: PA

Complaint narrative:
I have a mortgage with Nationstar they increased my escrow by almost {$1500.00} when neither my taxes or insurance went up..they bounced my escrow school tax payment that they said they paid in XX/XX/XXXX but was n't actually paid until XX/XX/XXXX..I asked in XX/XX/XXXX and sent them a note stating I wanted to pay my own taxes and insurance since I was with them over one year ..and original loan before it was sold too them that I had put 20 % down and all payments were on time ... I started sending in XX/XX/XXXX just the principal & interest..which they accepted..Then I sent in my XX/XX/XXXX payment for the same amount they said they never received it..I called on the XX/XX/XXXX for them to take the payment over the phone on XX/XX/2017 and they said wait a few days too see if the check comes in..I said I do n't want a late payment on my account I have excellent credit..The said they would n't charge a late payment ... I spoke to the escrow dept and they said no problem it will take about 7-10 days to approve my request..once I did that the online payment and the statement payment does n't match up ... They sent a letter stating my account was 30 days past due ... it has never been late ..now they put it in as a negative remark on my credit score ..I had a credit score of XXXX and now it 's XXXX down XXXX points ... I paid them {$920.00} online up from {$820.00} and they are stating my payment is over due ... the want {$970.00} ..they are making me mentally & physically ill..I do n't know what to do anymore ..I 'm on XXXX and a fixed income ... Please help..Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Re : Chapter XXXX Dismissed Bankruptcy Docket # XXXX filed XX/XX/XXXX 2011 I am disturbed that the credit bureaus continue to list the dismissed bankruptcy as confirmed within my credit file. Although it is their policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years, the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief ''. 
Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, these credit bureaus have no right to maintain information which the government has deemed nonexistent. 

Also, I filed this bankruptcy in XXXX County Court in XXXX, NC on XX/XX/XXXX 2011. I have never been to XXXX County which is the information being reported on my credit file. 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The Credit Bureaus were reporting XXXX bankruptcy 's and the courts do not verify a bankruptcy and therefore in the courts they do not verify that information, that information was pulled from a third-party reporting agency, therefore it must be deleted. ( Chap XXXX and Chap XXXX on my reports ) The courts of XXXX told me that they do not verify that information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: SD

Complaint narrative:
I had a XXXX XXXX account in XX/XX/XXXX. It was first reported delinquent in XX/XX/XXXX. The account was paid and should have been removed from my credit bureau in XX/XX/XXXX. ( 7 years after it was first reported delinquent. ) It is STILL showing up on my credit bureau in XX/XX/XXXX ... 13 years later. This needs to be removed from all XXXX credit bureaus ... XXXX, XXXX and Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My wife and I got a HELOC from Bank of America in XXXX that had a 10 year draw period with no interest. Our payments fluctuated every month and reached more than {$4100.00} a month in XXXX. We applied and got approved for a HELOC loan modification in XXXX with our payments reduced to {$1800.00} a month. 
We made the trial loan modification payments on time every month and Bank of America was scheduled to send out a permanent loan modification package. We never received the loan modification package until we asked BoA to send the package again. By the time we received it, we did n't have time to address concern we had with the terms and Bank of America gave us only 3 days to sign and send the loan modification package back. We did n't sign it in time to send back and Bank of America cancelled the permanent loan modification. We continued to make the trial modification payments but Bank of America has n't applied those payments towards the loan because the loan reverted back to the pre-loan modification monthly payment of over {$4000.00} a month. Thus, we are considered past due since the loan adjusted in XXXX. We were told that we had to start a new loan modification process all over again in XXXX. Since then, we have submitted documents to be reviewed for a new loan modification to reduce our monthly mortgage. However, we would rather pay the loan off as it 's a HELOC and we ca n't draw on the loan anymore. Bank of America has placed our loan in foreclosure although we are in an active review for a loan modification. We have sent documents to Bank of America to review just as we did the first time we got a loan modification, but Bank of America is not acknowledging some of the documents or is requesting documents that we already sent.

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 2017-03-25 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
In XX/XX/2016 I received a notice of an on-line payment of over $ XXXX to my credit card from BOA from an account at XXXX . I do n't have an account at XXXX. I contacted BOA to let them know that it was not my payment. This was the start of the nightmare. I have attached a timeline of what happened after that. But, money kept coming in and I kept telling the bank it was not from me. Then at some point BOA decided I had too high of a credit balance and sent money back to XXXX to a different account from where it originated. I have spent maybe close to 60 hours on the phone with BOA over the four months to get no resolution. I get transferred from department to department. Even supervisors are not able to resolve it and now apparently there is some mystery department called the " Middle Office '' ( Payment Research ) but customers are not allowed to talk to them and I am yet to get this resolved. Now BOA says I owe them {$6100.00} but I owe them nothing. They allowed money to come in and sent money back out and they created ( or the fraud did ) this balance. I owe them nothing. I have an excellent credit history. I am so exasperated and now my credit is at risk because BOA staff is not skilled or authorized to resolve this issue. I think it is very unfair that I am going to have to hire an attorney to defend me for something I did n't do and given that BOA is the black hole the hiring of an attorney could be a significant expense. I would appreciate any assistance in making my way through this morass. You can contact me at this e mail address to obtain more information related to my credit card account. I am attaching a timeline to give you an idea of what I have been through to date.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-21 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: TENET HEALTHCARE CORPORATION
State: NY

Complaint narrative:
I submitted a debt verification letter to Syndicated Office Systems on XX/XX/XXXX via cert. mail. I did not receive a response. I reached out to the company via phone at XXXX on XX/XX/XXXX and spoke with a XXXX. He informed me that the account is in " Review Process '' therefore the only option I have at this time is to pay the account. I asked when was the account placed in this status ; he informed me that in XX/XX/XXXX. He was not able to inform me as to when the account will be taken out of this status. I ask to speak with his manager or provide me with his manager 's information. He refused and stated that there is nothing that he nor his manage can do for me at this point if I am not willing to pay off the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: KY

Complaint narrative:
Navient did not release my cosigner due to difficulty successfully securing my payment, even though the money was in the account and they had difficulty due to the bank marking their withdrawal as fraudulant. I was living in XXXX and they never provided a reliable way to pay my loans with my XXXX XXXX XXXX, even though the bank card was a registered Mastercard and separately a registered Visa Debit card linked to a very well known bank. 

Years later, after paying at 12.5 percent interest, they offered to settle the loan if I paid them XXXX in a lump sum. They told me that they would accept the XXXX, apply it to the principle balance, and I would be able to pay XXXX a month for the rest of my life or to fulfillment of the loan. I paid the lump sum and set up automatic reoccurring payments to fulfill the 3 month on-time payment rule to apply the XXXX to the principle and initialize the XXXX dollar a month payment. I continued at XXXX per month for two years and when I finally checked my loan balance, the loan was XXXX higher than when I paid the XXXX 2 years prior. 
I contacted Navient, they told me that they had difficulty securing my third payment of the 3 on time payments, thus it cancelled the contract. The XXXX vanished due to interest and a reoccurrence of XXXX a month for two years when the payment at XXXX was needed to suffice 12.5 percent interest. 
I 've stopped paying the loan 2 years ago because I simply can not pay XXXX to navient a month, plus another XXXX to XXXX per month. I 'm now paying XXXX a month to Navient to try and pay one of my XXXX private loans. They harass me constantly and say its due diligence. I 've asked for my XXXX back since they did not apply it to the loan and did not honor their contract ( which I 've expressly asked for IN WRITING, they never emailed it to me of course ). 

Please help me, they are ruining my life and I can not pay my student loans.

Company response to consumer: Closed with explanation