vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-17 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: OR

Complaint narrative:
XXXX XXXX issued a credit card under my name fraudulently. I was the victim of Identity theft and have filed reports with Identitytheft.goc as well as a police report. I asked that the account be cancelled and a notice sent to the credit reporting bureaus acknowledging that this was a fraudulent account. 

Despite contacting the agency ( phone, I do not have dates ) and last month by email, I have not heard anything back from the company, nor have the credit reporting bureaus Thank you, 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 2020-04-17 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: OR

Complaint narrative:
XXXX XXXX issued a credit card under my name fraudulently. I was the victim of Identity theft and have filed reports with Identitytheft.goc as well as a police report. I asked that the account be cancelled and a notice sent to the credit reporting bureaus acknowledging that this was a fraudulent account. 

Despite contacting the agency ( phone, I do not have dates ) and last month by email, I have not heard anything back from the company, nor have the credit reporting bureaus Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 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: OR

Complaint narrative:
XXXX XXXX issued a credit card under my name fraudulently. I was the victim of Identity theft and have filed reports with Identitytheft.goc as well as a police report. I asked that the account be cancelled and a notice sent to the credit reporting bureaus acknowledging that this was a fraudulent account. 

Despite contacting the agency ( phone, I do not have dates ) and last month by email, I have not heard anything back from the company, nor have the credit reporting bureaus Thank you, 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 2020-04-17 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: Waypoint Resource Group, LLC
State: CA

Complaint narrative:
This is my 2nd complaint regarding this company. i have put in disputes with all of the credit buereus and with the company requesting validation, i received no responses from the company at all after my first validate request through the US mail. after 45 days of them receiving this letter certified i sent a non response letter, and told them in the letter they received that under the law they have 15 days, 15 days came and went and no response and this negative mark is still on my reports and the CRA 's refuse to remove this from my reports. last night on XXXX i go to their website and put in the account number and my last name to check to see if they still have the account is open and i receive a message that your account is no longer active.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Conduent Incorporated
State: MS

Complaint narrative:
On the XXXX of XXXX, 2020, I was at an ATM in XXXX, MS and I went to use my card and immediately new something was wrong. I had over {$2500.00} on my card and knew that I shouldn't have had a problem using the card. After pulling up the account information from home I immediately noticed numerous of charges that I did not make. All of the charges were made in XXXX, XXXX XXXX and XXXX, FL and totaled {$1600.00}. 

I immediately tried to contact the Eppicard customer service on XX/XX/2020 and after waiting on hold I was hung up on numerous of times. When I finally got a representative on the phone and gave them all of my personal information to access my account they hung up on me. The next morning, I went to check my card and my pin number was changed. I continued to call back on XX/XX/XXXX and XXXX but still couldn't get through to anyone. I was also at this point convinced that this was an inside job. I have done everything within my powers to report this fraud to Eppicard and dispute these charges. 

I have had to miss work in order to file reports and make phone calls as an attempt to get my money back. Unfortunately, I was unable to reach anyone at Eppicard and I was told by a XXXX ( The bank on the back of the card is XXXX XXXX ) representative that they can't access Eppicard accounts from there system and there was no opportunity to email or chat live with anyone from Eppicard about the issue. This company has to be held accountable. 

Please find attached a copy of the police report card with case number, and a copy of the transaction statement. I will also contact for phone service provider if I need to, in order to prove how many times I have called this company to report this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: NJ

Complaint narrative:
There was a medical collection that was placed on my credit by NTL XXXX XXXX in the amount of {$5500.00}. I was covered by insurance at the time and date of service at XXXX XXXX XXXX. I had also provided my insurance information. After much research, my insurance informed me that they initially were contacted by the hospital concerning myself being actively covered, which I was, on XX/XX/2018. They also informed me that the hospital never followed up and submitted an official bill for payment. There was no follow up or follow thru. Insurance claim fell thru the crack as not fault of mine. This item was then placed on my credit. My credit score decreased -112 pts. After reaching out to the hospital I was  sent in several circles. I contacted my insurance who then reached out to hospital billing. My insurance denied payment as the bill was submitted after the filing limit.

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 2020-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have tried to dispute inaccurate information on my credit report and the credit reporting agency continues to report the unverified information

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 2020-04-17 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I had a loan for a child 's toy truck I paid through XXXX I paid in full before it was due I have verification that I paid in full after I contacted Experian to dispute why they think I still owe XXXX {$56.00} after expiry and already had taken it off showing that I completed payments no other credit reporting agency is saying that I owe XXXX money except for Experian I am a vulnerable adult who has disputed this twice and reached out on the phone contacted Experian for them not to listen to anything I've had to say then retaliated against me when I said I was going to contact the XXXX XXXX XXXX and make a complaint against them committing fraud on my account and affecting me emotionally and physically and financially and subsequently affecting my credit I'm submitted and tried to submit documents based on my behalf and they refused to take them XX/XX/2020 is the first time and they lied committing fraud the i submitted another dispute XX/XX/2020 AFTER i yried calling ove 5 diffrent numbers to get to and actual customer service representative and had to escalate to a manger/ supervisor and she lied through her teeth then closed the dispute today so i couldent submit evidence agian for the 3rd time if i can sign up for Experian then i should be able to have them delete my account which they also refused there dystroying my credit every day by saykng i owe XXXX when i do not!!! Experian retaliates when you as a consumer know your right and what your entitled to they do not get to determine how many times you dispute and the do not get to have access to your account and ssi number if you revoke permissions they are committing fraud!!!

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 2020-04-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: TN

Complaint narrative:
This account was settled in full on XX/XX/2020 for {$760.00}. I have received letters stating that the account would be considered settled in full with a XXXX balance, but never an actual letter showing a XXXX balance despite multiple requests. They have also not updated the account with the credit bureaus since XX/XX/2020. I am trying to buy a house and need this resolved.

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 2020-04-17 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:
I have tried to dispute inaccurate information on my credit report and the credit reporting agency continues to report the unverified information

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 2020-04-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
The XXXX XXXX XXXX XXXX is showing 4 late payments on my credit report. These payments were not late, but connected to an old account. The payments would go out and come back after the 30 day period. We've had several loans when XXXX and the issue appeared to be that the incorrect accounts were listed on payment so they would come back and we had to resubmit. I didn't realize they were filing them late as the XXXX rep with tell me that everything was fine and I assumed that meant these payments weren't reporting incorrectly as late. 
I contacted them and they did not know how to fix.

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 2020-04-17 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
The XXXX XXXX XXXX XXXX is showing 4 late payments on my credit report. These payments were not late, but connected to an old account. The payments would go out and come back after the 30 day period. We've had several loans when XXXX and the issue appeared to be that the incorrect accounts were listed on payment so they would come back and we had to resubmit. I didn't realize they were filing them late as the XXXX rep with tell me that everything was fine and I assumed that meant these payments weren't reporting incorrectly as late. 
I contacted them and they did not know how to fix.

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 2020-04-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
I did a Loan Modification about a year ago, and after several months I fall ONE MONTH behind, but I was able to keep making my monthly mortgage payments every month, ( with one, or two months ain arrears ), and they keep accept all my payments. 

when the COVID19 strikes, I applied for a Loan Forbearance at my Servicer 's website, and the wrote me a letter stating that they accepted the Loan Forbearance by 3 months, but at the 4th month I need to pay more that {$15000.00} I am writing them back telling them in writing, that I do not accept this Forbearance, and that we can make other types of arrangements. I will call them soon, but just in case I am filing this complaint. 

My monthly payment is {$1600.00} a month. I was paying this amount every month. I GOT ALL THE PROOFS I wont pay XXXX I cant

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Incorrect information is reporting on my credit file that is negatively impacting my credit score : XXXX XXXX XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 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: TX

Complaint narrative:
Incorrect information is being reported on my behalf I have disputed the item and it has came back verified but they have not sent me the information they used to verify that the item is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 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: CITIBANK, N.A.
State: MI

Complaint narrative:
I made arrangements with Citi Bank to settle a Home Depot credit card balance for XXXX. I received a letter from Citi Bank that was dated XX/XX/2020 stating the details of settlement. On XX/XX/2020 I made a payment of XXXX to settle the debt with Citi Bank for the Home Depot credit card. I was given the confirmation number XXXX. I was told by the representative that the account would be reported as settled to the credit bureaus with a XXXX  balance. In the letter I received, it also stated the amount i was to pay ( XXXX ) and that the account would be reported as settled. However, the account status was never changed and the payment was reported as just a regularly payment that was taken off of the original balance. It was not reported as settled. Citi bank still shows that I owe them a balance for this acct. I disputed with all 3 credit bureaus and Citi Bank is stating the information is correct. I have not been able to get in touch with a representative from Citi Bank and have been on hold for over an hr each time I have tried to contact 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 explanation
Consumer complaint received 2020-04-17 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: FORD MOTOR CREDIT CO.
State: NC

Complaint narrative:
TO WHOM IT MAY CONCERN ; THIS LETTER IS A FORMAL COMPLAINT THAT YOU ARE REPORTING INACCURATE AND INCOMPLETE CREDIT INFORMATION. 

ACCORDING TO THE FAIR CREDIT REPORTING ACT, SECTION 609 ( A ) ( 1 ) ( A ), YOU ARE REQUIRED BY FEDERAL LAW TO VERIFY THROUGH THE PHYSICAL VERIFICATION OF ORIGINALLY SIGNED CONSUMER CONTRACT, ANY AND ALL ACCOUNTS THAT YOU POST ON A CREDIT REPORT. OTHERWISE, ANYONE PAYING FOR YOUR REPORTING SERVICES COULD FAX, MAIL, OR EMAIL IN A FRAUDULENT ACCOUNT. 


DUE TO THE COVID-19 THE CREDITOR STATES ON THEIR WEBSITE THAT FORD CREDIT IS OFFERING PAYMENT PLANS PUTTING PAYMENTS ON THE BACKEND OF THE TERM LOAN UNTIL THE COVID PERMITS NON ESSENTIAL WORKERS TO RESUME WORKING I HAVE DOCUMENTATION & TO PROVE SO RESPECTFULLY, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 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: AR

Complaint narrative:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Not only did I find out that my name and social security number had already been filed. Please remove these unknown accounts from my reports as soon as possible. 

BANKRUPTCY XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS ONE LATE PAYMENTS REPORTED ON XX/XX/2019 ON MY BANK OF AMERICA ACCOUNT. I'VE HAD FINANCIAL HARDSHIPS IN THE PAST WHICH HAVE AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS.

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 2020-04-17 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: AMERICAN HONDA FINANCE CORP
State: FL

Complaint narrative:
On XX/XX/2019, I sent a check to Honda Financial Services in the amount of {$19000.00} to pay off my car. I spoke with a representative about the agreement to pay this amount and the stipulations we agreed to. On the check for {$19000.00} I wrote the stipulations of our agreement. The stipulations were as follows : By cashing this check, you agree to this contract : 1. Show as paid 2. Delete negative items on credit report 3. Cease collections Check number XXXX was cleared through my bank account on XX/XX/2019. 
Honda has breached their contract with me regarding the stipulations that were agreed to. The account status is listed as derogatory and the current payment status is listed in collections/charge off. It has inaccurate informtion with months listed as not paid and that the account paid was less than the full balance. These statements are inaccurate, incorrect, and in breach of the terms of our contract by Honda Financial cashing the check for the full balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 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: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I disputed a charge of {$2000.00} since the date it was charged ( XX/XX/XXXX ). under the Fair Credit Reporting Act, the furnisher of information to consumer reporting agencies has a duty to provide accurate information about a consumers credit file. 15 U.S.C. 1681s-2 ( a ). As I deny liability for any amount of alleged debt, and because I claim that the alleged debt resulted from an unauthorized charge, it is not accurate to report that there is a bona fide past due payment. Despite a letter ( attached ) from my lawyer to remind Chase my fair credit reporting right, Chase continues to violate the law. Despite my repeated effort in getting this dispute resolved by filing for arbitration on XX/XX/XXXX per our card agreement, Chase ignore the arbitration request ( a separate CFPB compliant XXXX has been filed 2 weeks ago ). Please correct the credit reporting to all credit agencies ASAP as my credit score has suffered XXXX points decreased.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: NJ

Complaint narrative:
There was a medical collection that was placed on my credit by XXXX XXXX XXXX in the amount of {$5500.00}. I was covered by insurance at the time and date of service at XXXX XXXX XXXX. I had also provided my insurance information. After much research, my insurance informed me that they initially were contacted by the hospital concerning myself being actively covered, which I was, on XX/XX/2018. They also informed me that the hospital never followed up and submitted an official bill for payment. There was no follow up or follow thru. Insurance claim fell thru the crack as not fault of mine. This item was then placed on my credit. My credit score decreased -112 pts. After reaching out to the hospital I was sent in several circles. I contacted my insurance who then reached out to hospital billing. My insurance denied payment as the bill was submitted after the filing limit.

Company response to consumer: Closed with explanation