vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-23 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: TX

Complaint narrative:
To whome it may concerned, Hello, My name is XXXX XXXX and I would like to inform you guys that I haven not been able to get my late payment removed from my record. This is not a complaint but rather a request to have my late payment removed from Experian Credit reporting agency. In XX/XX/2016 I had death in my family and had to travel back to my country XXXX. Before leaving I had called my credit card company to let them know I wont be able to make a payment for at least 3 months because my mom passed away and had to go back to my country where there is no internet connection. The representative I was talking to assured me that it was totally fine and she would notate my account and suggested to make a make after I come. After I returned back home I found out that my credit card company had alredy reported my payment history as 60 days late. I then contacted Experian several times to have that late payment removed but it was unsuccessful. I totally understand that the experience is unable to remove my late payment because I do not have any evidence to prove why was I late. Therefore i do thank Experian for trying to work on my dispute on time even this they were not able to help me. Hence, here I am making a request to you guys if there is any way my issue could be resolved here. I would be very grateful towards you and your organization for whatever the help I could possible get so my late payment history will be removed. 

Thank you Sincerely 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 2018-09-23 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: VT

Complaint narrative:
This loan was consolidated with Department of Education / XXXX on XX/XX/XXXX, and XXXX/XXXX/XXXX Still reports the loan as Charged Off. They are no longer the noteholder and the debt has been resolved since XX/XX/XXXX. In fact all of the loans were consolidated and in good standing XXXX. 

We filed paperwork with company MULTIPLE TIMES with no response. I have made payments with XXXX XXXX and XXXX totaling {$33000.00} since XX/XX/XXXX encompassing and including the loans forwarded to XXXX XXXX reported by XXXX XXXX/XXXX/XXXX   continue to incorrectly report. Over 6 years I have made my payments perfectly without missing a single one. My credit report is flawless otherwise, and these remaining items which are incorrect, have prohibited me from rates that I earned, homeownership options that I should qualify for, and many more issues. 

My local credit union representative has has called XXXX/XXXX/XXXX Funds multiple times, and we were promised resolution without any further follow-up and negative items remain on credit report. We have even attempted a resolution with the Ombudsman from the Department of Education, who facilitated the consolidation with XXXX in XX/XX/XXXX. 

XXXX/XXXX  have record of accounts XXXX and XXXX BOTH being transferred out - and resolved, yet they continue to incorrectly report " charged-off '' on my credit report. This is the same for XXXX XXXX   account ending 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 2018-09-23 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: United Student Aid (USA) Funds
State: VT

Complaint narrative:
This loan was consolidated with Department of Education / XXXX on XX/XX/XXXX, and XXXX/XXXX/USAFunds Still reports the loan as Charged Off. They are no longer the noteholder and the debt has been resolved since XX/XX/XXXX. In fact all of the loans were consolidated and in good standing XXXX. 

We filed paperwork with company MULTIPLE TIMES with no response. I have made payments with XXXX XXXX and XXXX totaling {$33000.00} since XX/XX/XXXX encompassing and including the loans forwarded to XXXX XXXX reported by USA Funds/XXXX/XXXX continue to incorrectly report. Over 6 years I have made my payments perfectly without missing a single one. My credit report is flawless otherwise, and these remaining items which are incorrect, have prohibited me from rates that I earned, homeownership options that I should qualify for, and many more issues. 

My local credit union representative has has called XXXX/XXXX/USA Funds multiple times, and we were promised resolution without any further follow-up and negative items remain on credit report. We have even attempted a resolution with the Ombudsman from the Department of Education, who facilitated the consolidation with XXXX in XX/XX/XXXX. 

XXXX/XXXX have record of accounts XXXX and XXXX BOTH being transferred out - and resolved, yet they continue to incorrectly report " charged-off '' on my credit report. This is the same for USA Funds account ending XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-23 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: EQUIFAX, INC.
State: VT

Complaint narrative:
This loan was consolidated with Department of Education / XXXX on XX/XX/XXXX, and XXXX/XXXX/XXXX  Still reports the loan as Charged Off. They are no longer the noteholder and the debt has been resolved since XX/XX/XXXX. In fact all of the loans were consolidated and in good standing XXXX. 

We filed paperwork with company MULTIPLE TIMES with no response. I have made payments with XXXX XXXX and XXXX totaling {$33000.00} since XX/XX/XXXX encompassing and including the loans forwarded to XXXX XXXX reported by XXXX XXXX/XXXX/XXXX continue to incorrectly report. Over 6 years I have made my payments perfectly without missing a single one. My credit report is flawless otherwise, and these remaining items which are incorrect, have prohibited me from rates that I earned, homeownership options that I should qualify for, and many more issues. 

My local credit union representative has has called XXXX/XXXX/XXXX Funds multiple times, and we were promised resolution without any further follow-up and negative items remain on credit report. We have even attempted a resolution with the Ombudsman from the Department of Education, who facilitated the consolidation with XXXX in XX/XX/XXXX. 

XXXX/XXXX have record of accounts XXXX and XXXX BOTH being transferred out - and resolved, yet they continue to incorrectly report " charged-off '' on my credit report. This is the same for XXXX XXXX   account ending XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Checkr, Inc
State: CA

Complaint narrative:
The report for my background check is missing my middle name as well as my social security number is wrong the last four digits aren't my social security numbers

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Security Credit Services, LLC
State: VA

Complaint narrative:
In violation of 15 U.S. Code 1692g, this stated company without Validation and Without any type of Notice, Contract or otherwise, placed two collections on my credit report. I do not know who they are. They claimed on the credit report that these accounts were opened on XX/XX/2018. No account was opened with them on XX/XX/2018!!! This derogatory and unfounded information has been filed with ALL the credit reporting agencies. It is illegal to place unvalidated information on a person 's report therefore, I want these accounts removed in its entirety. Also, a fraud alert is on my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I disputed the validity of the bankruptcy information being on my credit reports with TransUnion, XXXX  and XXXX. The dispute is how can they officially put the bankruptcy information on my credit report if they did not or their third party vendor properly verify the information directly with the court. I contacted the bankruptcy court and received documentation from them dated XX/XX/2018 indicating that they do not report or verify bankruptcy information with the credit reporting companies. On XX/XX/2018, I submitted this documentation to all three of the credit reporting agencies as well as dispute letters and asked that the bankruptcy information be removed from my credit reports because it was not properly validated with the bankruptcy court. All three of the credit reporting agencies responded that the information was " Verified ''. I even spoke to a TransUnion representative on Tuesday XX/XX/2018 because I checked my credit score on that day and it had dropped 100 points. My credit score had been increasing over the past several months and my credit behavior has not changed so the 100 points decrease to me seemed directly attributed to my dispute. I also requested that the name of the third party vendor that they indicated verified the information with the court but I was told they could not release the information. Today XX/XX/2018 I received a letter from XXXX  saying that per my request, they have put a fraud alert on my credit file which will last for 90 days and they will also make the other credit reporting agencies aware of this. I did not request that they put a fraud alert on my credit file but I did dispute the validity of the bankruptcy information. As a result of this fraud alert being put on my credit file without my request or permission, it will slow down my ability to get credit. I wrote a letter to XXXX and submitted it on-line asking that the fraud alert be removed immediately as I did not ask for it or give them permission to put it on my credit file. I also ask they communicate with the other credit reporting agencies to remove it.

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 2018-09-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I cancelled my account with bank of america several months ago in order to avoid annual fee on inactive account. I was just notified by my credit monitoring that the account is delinquent for {$78.00}. I have made no charges since closing account and credit report still shows open which suggests they may not have honored my request to cancel account in order to collect their annual fee. I received no statements indicating any amount due.

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 2018-09-23 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
I have previously sent complaint regarding on Specialized Loan Servicing LLC ( SLS ) for the providing the same service XXXX XXXX provided ; when servicing the loan although XXXX XXXX  still own deeds. 

I never received noticed on change of mortgage payment from SLS, and now I accumulated late payments, and a balance since I did not know of change, by federal law servicing companies need to provide 30/60 day notice of any changes to payment. 

Recently, SLS just started sending mortgage statements after almost 2 years of not receiving any statements from SLS ; which is surprising ; when law requires statement ; whether in bankruptcy or not, since disclosure of no intent to collect debt is present on statement like XXXX XXXX  provided. 

Also, I never received notice from SLS that they change there payment address from Georgia to California, so they did not receive one of my payments on time, although they are at fault for not forwarding there mail to new address.

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 2018-09-23 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: OH

Complaint narrative:
On XX/XX/2018 I was going over my Experian credit report and noticed three different accounts for XXXX XXXX XXXX. Two listed under XXXX XXXX XXXX for {$1000.00} each and once for XXXX XXXX XXXX for {$1700.00}, making this debt appear on my credit report at total of three times for a total amount of {$3800.00}. This is a clear violation of the Fair Credit Reporting act and needs to be remedied immediately. I contacted Experian dispute on XX/XX/2018 and was notified on XX/XX/2018 and there was no change on my credit report. I had no problem with XXXX and XXXX fixing this issue, just Experian. 




XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-23 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: Avantus, LLC
State: MA

Complaint narrative:
I was going through my credit report and noticed several hard credit inquiries that I don't believe I personally authorized. I've attempted to contacted each of those creditors listed and the credit bureaus that appears on my credit report. But after spending countless of hours and days on the phone with them and follow up through mail letters, Ive being giving run around, and they are still reporting inaccurate, incomplete and unverifiable items on my credit report. I've also personally wrote to the credit bureaus to look into this and I haven't received any responses over 30-45 days. Again, I did not believe I personally authorized anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights, and I would like these hard inquiries removed from my credit report immediately if they can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-23 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: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
This company promised me that they would get back to me within a month or 45 days but it seems like it taking longer and i'm getting no update ... has anybody out there had an issues with well fargo???? i went on XXXX and it seems like this company is trying to tear everyone down this is what they told me ... 

" Subject : Response to the recent inquiry Application number ending in XXXX Wells Fargo case number : XXXX Consumer Financial Protection Bureau, case number : XXXX We certainly understand that our customers do not want to be to financially responsible for goods or services from which they do not believe they received benefit. We confirm our Fraud Department opened a claim on XX/XX/2018, for two charges to XXXX XXXX, one in the amount of {$83.00}, and the second one for {$84.00}. We confirm both of these charges were accepted by our Fraud Department on XX/XX/2018, for the total amount of {$160.00}. 
Our records show there was no claim submitted for the following charges that took place on XX/XX/2018, XXXX XXXX XXXX XXXX for the amount of {$200.00} XXXX XXXX XXXX XXXX for the amount of {$22.00} '' how much longer will this take???

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 2018-09-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
My Bank of America credit card BankAmericard Visa Platinum Plus - XXXX was stolen. Somebody went on a shopping spree in XXXX. Once I discovered the fraud, I immediately started calling Bank of America every day, sometimes 2-3 times a day. naturally, every time I called, I got different answers to the same question. Finally, after a giant amount of wasted time, Bank of America filed fraud for some of the transactions and willfully failed to exclude some additional transactions, all happening in XXXX while I was in the US. Walking to a banking center proved useless, as employees said they could not help with a credit card dispute. Bank of America is so " big to fail and even bigger to jail '', that their " customer service '' does not know how to handle fraud claims and the different departments handling fraud, have no idea of customer service. My same card was previously compromised several times, even during transit, when I had not yet received their replacement. In a nutshell, dealing with Bank of America is extremely time consuming and beyond frustrating. Additionally, average wait times vary between 15 & 45 minutes, of course with the usual slim excuse : " Your business is important to us, please continue to hold ... '' On top of that, I spent easily 50 hours online, trying unsuccessfully to file fraud claims myself for all the charges, resulting from my stolen card, and naturally, I was not able to. I have told them at least 20 times that all transactions from XX/XX/2018 onward should be marked as fraud, and so far, I have not been successful. I am attaching a statement from their web site for your reference, thanks!

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 2018-09-23 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ERC
State: TX

Complaint narrative:
I called XXXX XXXX XXXX ( ERC ) because they were on my credit report and I wanted to find out why. I spoke with a very nice collector by the name of XXXX. She explained that I had a debt from XXXX XXXX XXXX in the amount of {$410.00} that was owed from 2009. XXXX explained everything to me in a respectful manner. I asked her if there was a way to get this debt deleted from my credit report. I also asked about a settlement on the debt. XXXX placed me on hold and came back to the phone and said they could settle the account for {$110.00}. I asked about the credit reporting and if this debt could be deleted once the settlement amount of {$110.00} was paid. I explained that I wasn't sure how I owed XXXX XXXX XXXX if I was still a current customer with XXXX XXXX XXXX. XXXX put me on hold again and a guy came, XXXX XXXX, came back to the phone saying he was the supervisor. His tone was extremely aggressive and threatening. He made rude comments like, " We've been on the phone for 20 minutes already, are you going to do anything, because we're wasting time here '' He was very condescending as well. I asked for the address and it seem to bother Mr. XXXX. He said it very fast and when I asked him to repeat it, he said, " Let me say it very slow and spell it for you since you have issues. '' This was extremely insulting and I was deeply offended.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-23 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: CA

Complaint narrative:
I disputed the validity of the bankruptcy information being on my credit reports with TXXXX, Equifax and XXXX. The dispute is how can they officially put the bankruptcy information on my credit report if they did not or their third party vendor properly verify the information directly with the court. I contacted the bankruptcy court and received documentation from them dated XXXX XXXX indicating that they do not report or verify bankruptcy information with the credit reporting companies. On XX/XX/2018, I submitted this documentation to all three of the credit reporting agencies as well as dispute letters and asked that the bankruptcy information be removed from my credit reports because it was not properly validated with the bankruptcy court. All three of the credit reporting agencies responded that the information was " Verified ''. I even spoke to a XXXX representative on Tuesday XX/XX/2018 because I checked my credit score on that day and it had dropped 100 points. My credit score had been increasing over the past several months and my credit behavior has not changed so the 100 points decrease to me seemed directly attributed to my dispute. I also requested that the name of the third party vendor that they indicated verified the information with the court but I was told they could not release the information. Today XX/XX/2018 I received a letter from Equifax saying that per my request, they have put a fraud alert on my credit file which will last for 90 days and they will also make the other credit reporting agencies aware of this. I did not request that they put a fraud alert on my credit file but I did dispute the validity of the bankruptcy information. As a result of this fraud alert being put on my credit file without my request or permission, it will slow down my ability to get credit. I wrote a letter to Equifax and submitted it on-line asking that the fraud alert be removed immediately as I did not ask for it or give them permission to put it on my credit file. I also ask they communicate with the other credit reporting agencies to remove it.

Company response to consumer: Closed with explanation