vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-09 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:
The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX XXXX XXXX Amount past due {$1000.00} XXXX XXXX XXXX $ XXXX REPORTED * XXXX XXXX XXXX TXXXXX * XXXX XXXX XXXX, TXXXXX * XXXX XXXX XXXX, TXXXXX  * XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 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: VA

Complaint narrative:
I paid XXXX for the XXXX payment. They did not apply to my monthly mortgage payment but instead of applying the payment towards escrow. I have contacted them to correct it but they refused. 

I also closed XXXX XXXX XXXX  and XXXX XXXX but Equifax still shows on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Law Office of Harris & Zide
State: CA

Complaint narrative:
I was contacted by the law offices of Harris and Zide XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, ca XXXX by XXXX XXXX XXXX ( XXXX ) XXXX by mail on XX/XX/XXXX2020 about a XXXX debt already paid through my XXXX XXXX XXXX  account. This is the second this law firm has contacted me about the debt that was settled and paid on XXXX/XXXX/20. I have documentation of these facts from XXXX. I recently applied for a debt consolidation loan and was denied because this account is still regarded as an " debt in collection '' '. I want to take my case to small claims court and sue for damages. please tell me how. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: CA

Complaint narrative:
I reported on XX/XX/2030 XXXX fraud TO US BANK for {$150.00} charged XX/XX/2020 LESS THAN 60 DAYS-US BANK LETTER IS LYING THAT IT WAS REPORTED OVER 60 DAYS. Close account per XXXX XXXX manager request.

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 2020-12-09 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY 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 2020-12-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC
State: NV

Complaint narrative:
After the servicing transferred to Selene Finance since XX/XX/2020. As of today, XX/XX/2020, Selene Finance hasn't send me a statement for my loan break down and my payment break down. 

Based on my record, I reached out to them 5 time since XX/XX/2020, and I still haven't received my statement. 

They even marked my payment for past due 37 days and did not want to sent me a statement after 69 days of servicing transferred to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 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: IL

Complaint narrative:
I recently sent letters over 60 days ago to the bureaus and they are disregarding a regular consumer dispute. I am beyond stressed and at my wits end. I have been sending letters before this and still they have not sent a response. Please help its having a huge damaging effect on my credit report and score.

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 2020-12-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY 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 2020-12-09 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: EQUIFAX, INC.
State: NY

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response. I feel like Im being taken advantage of, and my disputes are being ignored. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those accounts from my credit report. It has been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will be seeking litigation due to the stress this has caused me. My information was also impacted by the XXXX  data breach and may have fell into the hands of the wrong person.

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 2020-12-09 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response. I feel like Im being taken advantage of, and my disputes are being ignored. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those accounts from my credit report. It has been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will be seeking litigation due to the stress this has caused me. My information was also impacted by the XXXX data breach and may have fell into the hands of the wrong person.

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 2020-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/2020 I visited the TransUnion.com website to obtain a credit report. It is my understanding that credit reports are supposed to be offered for free ( 1 per year ) by law. The links from the main page to get your report contain fine print regarding details that you are in fact signing up for a credit report and monitoring service for {$24.00}. If you do not very carefully read these details you will be charged at least for one month in order to see your report details. 

This is, in my estimation and opinion, a type of deceptive trade practice. It is very telling once you log in that if you choose to cancel where you are offered a drop-down selection of reasons for cancelling, which includes " I did not expect to be charged '' as a choice. 

I initially disputed the charge through my bank but then cancelled, realizing it would be rejected due to the fine print. 

Interestingly I setup an account through the other 2 credit services, XXXX  and XXXX and was not charged to see my information. If the response from TransUnion is that reports must be requested via XXXX then that should be clearly indicated to the public I would strongly advise against the use of Trans Union or their services for any reason due to what I consider to be a dishonest approach. Basic news research has shown they have been cited for this kind of behavior in general before.

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 2020-12-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I checked my credit report and notice accounts that not mines. i been a victim of identity fraud in the past. I provided 2 copies of my ID to prove my identity.

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 2020-12-09 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: FL

Complaint narrative:
I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.

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 2020-12-09 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: FL

Complaint narrative:
I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I checked my credit report and notice accounts that not mines. i been a victim of identity fraud in the past. I provided 2 copies of my ID to prove my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
On XX/XX/XXXX, I have disputed two transactions totaling {$130.00} ( {$84.00} and {$48.00} ) on my credit card account ending in XXXX that were processed through the website XXXX on XX/XX/XXXX and XX/XX/XXXX. 
The transactions in question are coded in Bank of America provided statements as follows : XX/XX/XXXX PENSION XXXX XXXX XXXX XXXX XXXX and XX/XX/XXXX PENSION XXXX XXXX XXXX XXXX. XXXX The creditor ( Bank of America ) received my written request identifying the merchant, amount and date of transaction and it has responded stating that Bonk of America is unable to process inquiry I have timely disputed both transactions ( within 60 days ) as prescribed by the Fair Credit Billing Act. 
I repeatedly asked the creditor ( Bank of America ) to contact the merchant, the website XXXX  to provide a documentary evidence for both charges ( {$81.00} and {$46.00} ), The creditor ( Bank of America ) has failed in timely manner to either give me a temporary credit or provide me with documentary evidence to verify the charges to my cards as required by the Fair Credit Billing Act. 15 U.S. Code 1666. Correction of billing errors. Bank of America representative XXXX XXXX, Bonk of America, Resolution Specialist kept looking for excuses inventing reasons to deny helping me. First, XXXX XXXX stated that he is unable to find disputed transaction. When I provided him with letter identifying the disputed transaction, XXXX XXXX falsely claimed that there have not been claims filed for these transactions within the allowed timeframe. When I provided him with the banks response to my dispute stating they are unable process inquiry. XXXX XXXX  stop responding to my communications. Eventually he run out of excuses. XXXX XXXX  is either inept and unable to help or he is just dishonest and purposely avoiding answering my inquiries. 
It appears that the creditor ( Bank of America XXXX either negligently or intentionally allowed to expire the timeframe to request supporting documentation from the merchant. Bank of America has failed to contact the merchant attempting to resolve this dispute within the timeframe. As of this writing, you have not provided me with any communication received from the merchant indicative of merchants position concerning the charge dispute. The federal law, the Fair Credit Billing Act, provides a remedy for the consumers under outlined in Section 1666 ( e ), as follows : Effect of noncompliance with requirements by creditor - Any creditor who fails to comply with the requirements of this section or section 1666a of this title forfeits any right to collect from the obligor the amount indicated by the obligor.

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 2020-12-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
On XXXX XXXX I received a debt collection statement from National Credit Adjusters from XXXX  XXXX via XXXX, California to collect a debt from XXXX XXXX XXXX in California in which this debt was discharged by XXXX XXXX XXXX Executive Office. 

Federal Complaints was filed on debt collection of {$300.00} and it was discharged because of unlawful fees and charge. 
I never receive any official letter confirmation on deletion of debt. 

I am respectfully XXXX Lifetime and Retired. 

Why is XXXX XXXX XXXX is trying to collect {$300.00}, and {$150.00} knowing that I am XXXX.?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
My mortgage was sold while on a forbearance government program to SPS mortgage company. SPS initially failed to honor my forbearance program and a complaint was filed with the XXXX to get them to honor it. Fast forward to XX/XX/XXXX I get a call from a representative from SPS who tells me my mortgage was caught up until XX/XX/2020 from my forbearance program and that money was sent in by my county to cover the missed mortgage payments and that I could end my forbearance since my account was caught up. They took me off the forbearance program reversed the payments and then reported to my credit agencies as me being late. Basically they committed fraud and lied to get me To end my forbearance program :

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I was contacted by the law offices of XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, ca XXXX by XXXX XXXX XXXX ( XXXX ) XXXX by mail on XX/XX/XXXX about a Citibank debt already paid through my XXXX XXXX XXXX  account. This is the second this law firm has contacted me about the debt that was settled and paid on XX/XX/XXXX. I have documentation of these facts from XXXX. I recently applied for a debt consolidation loan and was denied because this account is still regarded as an " debt in collection '' '. I want to take my case to small claims court and sue for damages. please tell me how. 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 explanation
Consumer complaint received 2020-12-09 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
After reviewing my credit report I noticed there were fraudulent inquiries on my credit file. I have no knowledge of these hard inquiries and they do not belong to me. I have a fraud alert on my credit file and was not notified of someone applying for credit in my name. My phone number is listed on my fraud alert and no one contacted me to validate if I was applying to extend credit. These are fraudulent and needs to be deleted immediately off my credit file. I reached out to the creditors and they wasnt able to provide me with any information on the inquiries or who attempted to get credit in my name. The inquires are listed below : 1. XXXX XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX 3.XXXX XXXX 4 . XXXX XXXX XXXX 5, XXXX XXXX XXXX 6.XXXX XXXX XXXX XXXX 7. XXXX XXXX 8. XXXX XXXX XXXX XXXX 9. XXXX XXXX XXXX XXXX  10. XXXX XXXX XXXX  11XXXX

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 2020-12-09 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: CREDIT ACCEPTANCE CORPORATION
State: AL

Complaint narrative:
i have been dealing with XXXX  for more then 6 months with the same problem to no resolution at all..The problem is with credit acceptance able to report on my credit file after i have mailed, email.faxed..communicated to over 15 customer service about this problem.XXXX I purchase a vehicle from credit acceptance receive my title in the mail,XX/XX/XXXX i purchase another vehicle from credit acceptance for XXXX +title and taxes it was XXXX high balance after paying the vehicle of i recieved my title in the mailed XXXX and XXXX i did a title loan on it from XXXX XXXX  and XXXX I didnt want the vehicle and i allowed discount title to keep it..XX/XX/XXXX credit acceptance took me to court for balance of XXXX ..I had XXXX XXXX XXXX XXXX  to represent me and i was told by XXXX XXXX that i did not have to go to court due to health issue and I was in the hospital..XXXX XXXX told me that i lost, Dont worry as long as im XXXX  credit acceptance wont see a penny..XX/XX/XXXX I filed suit against credit acceptance because im trying to purchase my first home and that judgement is damaging my chance to get approved, XXXX isnt doing a complete job credit acceptance keep reporting back to XXXX that the account belong to me and the information is accurate, which it not with credit acceptance reporting high balance of XXXX and the unpaid balance is XXXX the payment history add up to XXXX its not adding up.XX/XX/XXXX CFPB had a Block added to my credit report and both credit acceptance and XXXX received the documents, and i had a fraud alert added XX/XX/XXXX to my account XX/XX/XXXX credit acceptance reported 180 days late ... XXXX XXXX denied my loan approval because of credit acceptance and XXXX not doing their job ... I have filed over 17 disputes about this matter .XXXX employee keep telling me to get in touch with credit acceptance, I keep explaining to XXXX  that we're in Litigation in the XXXX XXXX  of Alabama XXXX XXXX -Credit Acceptance and by me been XXXX  XXXX and XXXX no one want to help to make this right ! Thank you for your time and effort

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
After reviewing my credit report I noticed there were fraudulent inquiries on my credit file. I have no knowledge of these hard inquiries and they do not belong to me. I have a fraud alert on my credit file and was not notified of someone applying for credit in my name. My phone number is listed on my fraud alert and no one contacted me to validate if I was applying to extend credit. These are fraudulent and needs to be deleted immediately off my credit file. I reached out to the creditors and they wasnt able to provide me with any information on the inquiries or who attempted to get credit in my name. The inquires are listed below : 1. XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX  4. XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX 7. XXXX XXXX 8. XXXX XXXX  XXXX 9. XXXX 10. 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