vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have a lease with  XXXX . I set up automatic withdrawal for my payments. I sent in the form and voided check to enroll. I was told it would take approximately 30 days to go through. I received a bill later on asking for a double payment. I had thought that the payments were on auto draft. It turns out the company did not withdraw the payment by the due date. I was never called or notified in writing that my account was delinquent until after a 30 day mark appeared on my credit report.     When I called  XXXX  regarding the bill, I paid the full amount due immediately.  XXXX  said that due to the misunderstanding, they would remove the 30 day mark from my credit report if I submitted a request in writing. I submitted this request rough ly 4-5 months ago and have not heard back. I have called multiple times only to be bounced around departments with no one able to give me any information or answers. I  also tried disputing this information from my credit report and they did not remove it. I am requesting this 30 day late mark be removed from my credit report.

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 2017-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have a lease with  XXXX . I set up automatic withdrawal for my payments. I sent in the form and voided check to enroll. I was told it would take approximately 30 days to go through. I received a bill later on asking for a double payment. I had thought that the payments were on auto draft. It turns out the company did not withdraw the payment by the due date. I was never called or notified in writing that my account was delinquent until after a 30 day mark appeared on my credit report.     When I called  XXXX  regarding the bill, I paid the full amount due immediately.  XXXX  said that due to the misunderstanding, they would remove the 30 day mark from my credit report if I submitted a request in writing. I submitted this request rough ly 4-5 months ago and have not heard back. I have called multiple times only to be bounced around departments with no one able to give me any information or answers.  I also tried disputing this information from my credit report and they did not remove it. I am requesting this 30 day late mark be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have a lease with  XXXX . I set up automatic withdrawal for my payments. I sent in the form and voided check to enroll. I was told it would take approximately 30 days to go through. I received a bill later on asking for a double payment. I had thought that the payments were on auto draft. It turns out the company did not withdraw the payment by the due date. I was never called or notified in writing that my account was delinquent until after a 30 day mark appeared on my credit report.     When I called  XXXX  regarding the bill, I paid the full amount due immediately.  XXXX  said that due to the misunderstanding, they would remove the 30 day mark from my credit report if I submitted a request in writing. I submitted this request roughl y 4-5 mo nths ago and have not heard back. I have called multiple times only to be bounced around departments wit h no one able to g ive me any information or answers. I also tried disputing this information from my credit report and they did not remove it. I am requesting this 30 day late mark be removed from my credit report.

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 2017-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
Family Member obta ined loans fraudulently, has subsequently been prosecuted and is serving a  XXXX  term for the crime. Despite numerous submissions of documentation to support this, creditors and credit reporting agencies continue to report inaccurate information causing severe damage and undue hardship with expenses related to higher rates and premiums. Unable to afford further legal fees - desperately seeking resolution.

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 2017-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
Family Member ob tained loans fraudulently, has subsequently been  XXXX  and is   XXXX   a   XXXX   term for the crime. Despite numerous submissions of documentation to support this, creditors and credit reporting agencies continue to report inaccurate information causing severe damage and undue hardship with expenses related to higher rates and premiums. Unable to afford further legal fees - desperately seeking resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
Family Member ob tained loans fraudulently, has subsequently been   XXXX   and is   XXXX   XXXX   XXXX   term for the crime. Despite numerous submissions of documentation to support this, creditors and credit reporting agencies continue to report inaccurate information causing severe damage and undue hardship with expenses related to higher rates and premiums. Unable to afford further legal fees - desperately seeking resolution.

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 2017-05-30 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: GA

Complaint narrative:
In  XXXX  a tax lien was filed against me in  XXXX   County Superior Court.  This tax lien was released in  XXXX  and should have been removed from my file 7 years from the date of filing ( which would have been  XXXX   XXXX ,  XXXX  ). Both   XXXX   and Equifax are refusing to remove this from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I sent a dispute letter to the credit company for the numerous amounts of unauthorized inquiries on my credit report that impacting my score and chances of acquiring credit. They have been giving me the run around for months about this situation. I sent the letter through certified mail to ensure the safety and timeliness of the letter getting to the credit company. The letters were mailed out on  XXXX   XXXX ,  2017  and I have not received any forms of communication about this situation. I need this deleted off my reports as soon as possible.   Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Innovate Managed Holdings, LLC
State: TX

Complaint narrative:
Innovate  XXXX   XXXX   ( fo rmerly  XXXX   XXXX   ) h ave erroneously reported  XXXX  and 60 day lates on my credit report. I have called to inquire about payments made and some of the payments made were not recorded in the system causing me to make double payments in the same month. In addition I have called and requested copies of the payment history for my account 4 times over the last 2 months and have not received it. I 've spoke  to 3 different representatives who say they have processed my request but I have yet to received copies of my payment history in order to verify it against my payment records. Also, they claimed they did not have my correct address in the system but they were mailing statements to my correct address. When I 've asked to speak to a manager the rep resentatives are rude and not helpful

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My Fiance and I have been having medical issues for the past 45 days where we have had to go see multiple doctors and specialists. Along with medical issues we had to move 30 days ago and we did not receive a bill from the collector with the  XXXX  due date.I received an email on  XXXX / XXXX / 2017  from  XXXX  stating that a 30 day late notice was reported on my credit report and lowered m y credit score  by  XXXX  points. I contacted the creditor at  XXXX  PST this morning  XXXX / XXXX /   2017  and was advised I needed to speak with the collection department. I spoke with a  XXXX  and I advised her of the situation, how I 've been repairing my credit so I can purchase my first home and asked if they would extend me a goodwill courtesy of removing the 30 day late notice. I advised that I would even pay the account in full since the payment was n't missed due to a financial hardship rather I was unaware of the due date. She advised my request would be denied. I feel despite having a reasonable case the creditor is acting unreasonable.

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 2017-05-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: FL

Complaint narrative:
According to the mortgage company they claim we have lapse in our hazard insurance policy and is not true I conctact my insurance company and spoke to them they said we was fully insurance the entire year nd they send me my declaration page I been insurance with this company for 3 years and the mortgage company claim that we had a lapse an claim that we paid them  XXXX  or they will make foreclosure on my property I send proof before and they stop harrasing me and know they start again here the evidence again please help me with this situation and do not altered the terms of my loan

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 2017-05-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: NV

Complaint narrative:
On  XXXX   XXXX ,  2017  I asked Nationstar Mortgage to terminate PMI on our mortgage since we reached the 80 %  LTV (  {$380000.00} appraised value - $ {$300000.00} mortgage balance ). A new appraisal had been completed confirming that multiple upgrades had been completed after we had purchased our home which increased the value. I spoke to the PMI department including a supervisor and was denied verbally because the investor rules were 75  % LTV  from the original home value for PMI to be terminated. After a lengthy discussion on the Affordable Housing Act and the CFPB, I was finally given an email address to send an appeal for the denial to be reviewed. The first email address I was given did not  work (  XXXX  )  and I had to call a  2nd ti me to get another email address that worked. I sent the email requesting the appeal with a copy of the appraisal, CFPB 's  XXXX  bulletin, and a request PMI be terminated. This all occurred on the same day  XXXX   XXXX . I had not received a response so I called today,  XXXX   XXXX ,  2017  to inquire about our appeal to the PMI department and was told that our appeal had been denied. I asked why I had n't received anything in writing and was told they mail denials in bulk and my letter has not been mailed yet.  XXXX , my PMI agent today, said he was able to get a copy of the letter and will mail the letter today. After explaining that I will be filing a complaint with the CFPB,  XXXX  asked if I wanted to speak to a supervisor but told him no since it did n't work the last time I spoke to a supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Delta Management Associates, Inc.
State: FL

Complaint narrative:
Delta Management hav e been calling back to back each day until someone picks up.   Then they call an office phone repeatedly until the person is available The reps name is  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 2017-05-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA

Complaint narrative:
On  XXXX   XXXX     2017  - I went to  Union  Bank in  XXXX   XXXX , CA and wired {$1000.00} to a bank overseas. The company that I sent it to never acknowledged that they received it or gave me credit of it. Wit h in two we eks I contacted the Bank and stated that the company i sent the money to has n't acknowledged it and that I have proof. They checked twice with the sending bank ( B of A ) and then did a trace - every time they checked - I had to call them too see if they had discovered where my money went - each and every time that stated we ca n't get an answer back from the receiving bank.   I then went to the  XXXX   XXXX  branch of  Union  bank - they out a trace on it - same thing - after an unbelievable wait - no one can find the money - the receiving Bank does n't respond - each and every time I have had to call them - they do n't call me. On or about  XXXX   XXXX     2017  I called the Ban k Manager  at the  XXXX   XXXX  branch -  XXXX  - and stated that if I did n't hear from him in a couple if days I wold file a complaint with you. Today he calls me and states that the office of th e President will be looking into it and someone will get back to me. When I asked him what will they be doing it turns out   that they are going to do the same thing all over again for the third time hoping for a different out come - unbelievable stupidly or hiding th eir screw up.

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 2017-05-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA

Complaint narrative:
I  XXXX    XXXX   walked inside California Check Cashing Place {$250.00} onto my card I woke up the next morning to pay for the hotel room because our ceiling was leaking and it c alled black mold so decided to go place money on to the card gave them the money left the building went back to the room for the night the next morning I woke up to pay the money for the room and there w as no funds there so me my wife and kids were left outside in the rain on the sidewalk with our clothes so I returned to the check cashing place ask them what was going on the guy asked my name he said that the lady yesterday done something that she should not have done she went inside the system after hours cancel the card without me being there my number my name and number is on file concerning this situation she left a temporary card I took the temporary card took my family out to get something to eat put something warm on there stomach went to the register and there was no funds on the card what back to the place of business they gave me the number to the distr ict manager spoke with him 2 or 3 times since then have not received my money back or any other notices it 's been nearly four month s

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: OR

Complaint narrative:
My house payment includes taxes and insurance. My mortgage was transferred from XXXX XXXX XXXX to Nationstar Mortgage on XXXX. With Nationstar my escrow payment has been XXXX, it has increased to XXXX as of XXXX XXXX. I contacted the company on XXXX, and spoke to XXXX, located in California, to find out why this has happened. I got 2 different reasons, and neither one made sense to me. I asked to speak to a supervisor, was on hold for approximately 5 minutes, then was told he could n't reach the supervisor. I asked him what government agency oversees mortgage companies, he told me Nationstar could do that internally. I declined, and I stated I wanted to use a Government consumer agency, and we ended the call. Also, they are changing their name from Nationstar Mortgage to " XXXX XXXX '', not XXXX XXXX Mortgage, just ... XXXX XXXX. That sounds like a scam to me, or some other illegal operation. I have attached the records of my payments, and what I believe, is the inflated escrow charges. Thank you for any help you can give me. I will also file a claim with the Consumer Protection Bureau, and the Oregon Department Of Justice Financial Fraud Department. Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30 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: GA

Complaint narrative:
In  XXXX  a tax lien was filed against me in  XXXX   County Superior Court. Th is tax lien was released in  XXXX  and should have been removed from my file 7 years from the date of filing ( which would have been  XXXX   XXXX ,  XXXX  ). Both Transunion and  XXXX  are refusing to remove this from my credit report.

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 2017-05-30 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In  XXXX  a tax lien was filed against me in  XXXX   County Superior Court.  This tax lien was released in  XXXX  and should have been removed from my file 7 years from the date of filing ( which would have been  XXXX   XXXX ,  XXXX  ). Both  XXXX  and   XXXX   are refusing to remove this from my credit report.

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 2017-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On  XXXX   XXXX ,    2017  I requested Experian to remove unverified accounts listed on my credit report. They stated in writing that my accounts was listed as " verified '' accounts. The following accounts were " reported correctly '' I would like to know where are the documents that Experian used to verify these accounts? What is the name of the individual, their business address, and telephone number. However, Experian sent me a letter dated,  XXXX   XXXX ,  2017 , starting that they refuse to reinvestigate. Please have them remove all unverified accounts, or sent proof of validation.

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 2017-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
I was trying to open an account with a credit union and i was told that I had to call  XXXX   XXXX    XXXX    and resolve an issue before receiving an account. I called  XXXX  and was told Bank Of America had reported me to them for fraud. I filed a dispute with   XXXX   about this issue and they even transferred me to Bank Of America to try to resolve the issue this was  XXXX  between the  XXXX  and the  XXXX . I talked to the recovery department and i explained to them my issue and they told me i had to write a lette r of Dispute wh ich i also did and still have yet to get anything resolved I told them i had no knowledge of the closed account nor was i responsible for the issue they are accusing me of which is what i was told was a {$40.00} overdraft and is the reason the account was closed and reported. I just want them to remove my name from   XXXX   XXXX   XXXX   so i can get my account straight with the credit union. I have called BANK OF AMERICA multiple times to resolve this issue I have also called  XXXX  multiple times to resolve this issue and have filed multiple disputes and complaints PLEASE JUST REMOVE MY NAME FROM  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