vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-27 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:
XXXX ; Experian and XXXX are reporting incorrectly that I am ( 120-180 ) days late on the XXXX  partial account number XXXX. XXXX  and XXXX are reporting incorrectly that I am ( 120 ) days past due on partial account number XXXX. ( Please see pages attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2020-05-27 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: AMERICAN HONDA FINANCE CORP
State: GA

Complaint narrative:
Late Payments for the year of XXXX, XXXX and XXXX are being reported on my account inaccurately. The company has not provided evidence to prove the payments were late. On XX/XX/XXXX in response to complaint XXXX the company submitted a word document of a payment history that doesn't have any of my information on it, this document is not a valid document as I do not know if the payment history submitted is mine. The word document doesn't have any of my information on it including personal information, car information or payment details. The response that was submitted on XX/XX/XXXX isn't valid as Honda Financial has not proven any late payments, however they're reporting late payments to all of the credit agencies which is negatively impacting me and my credit score. I would be honest in XXXX and XX/XX/XXXX I was late due to not working so I can take care of my mom who was battling stage XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 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.

Complaint narrative:
On XX/XX/2020, I wrong Experian a letter, stated to Update / Correct my information on my credit report and the letter was notarized and sent certified mail. 

On XX/XX/2020, I received a credit report from Experian, with someone else 's personal information. 

On XX/XX/2020, I received a letter from Experian, Asking me to identify myself. 
I do on XX/XX/2020. I send out the document again. 

On XX/XX/2020, I send an Inquiry Removal Letters to Experian. I did not authorize anyone employed by these companies to make any inquiries 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. 

Experian did not reply back to my XX/XX/2020 letter, that was sent certified mail. 

On XX/XX/2020, I send a Dispute / Complaint Department to Experian with proof of identity and certified mail. 

On XX/XX/2020, I received a letter from Experian, Asking me to identify myself again. 

On XX/XX/2020, I received the same letter from Experian, Asking me to identify myself again. 

On XX/XX/2020, I reach out to XXXX XXXX, Experian Chief Operating Officer. Expressing my issues and concerns in a certified letter. XXXX XXXX, never replies back to me. 

On XX/XX/2020, I reach out to XXXX XXXX, Experian Chief Executive Officer. Again Expressing my issues and concerns in a certified letter and send proof of identity. XXXX XXXX, never replies back to me.

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 2020-05-27 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: Western-Shamrock Corporation
State: TX

Complaint narrative:
I was shocked when I reviewed my credit report and found 60 days late payment on the dates XX/XX/XXXX to XX/XX/XXXX and 30 days late payment on the date XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I've tried to call many times in the past but simply am not getting anywhere. I have a United Mileage Plus Card with Chase and should be earning mileage for my United frequent flyer program. However of the XXXX miles earned so far, none of them are being transferred to my frequent flyer account and thus I don't have access to use them. I called Chase today and they verified my frequent flyer account number and my email address. I was assured that if both of those were correct then the mileage would transfer over, they then proceeded to put me through to United, who then explained that they see no transactions for incoming mileage and confirmed that I don't have a credit card account attached to my account. The operator then connected us both back to Chase where I was given the excuse that their system was down. This was my latest attempt on XX/XX/2020 as I need to access the miles now for travel. On the Chase app from my phone I can see that I have a balance of XXXX miles that have not been credited, with the note that it will be credited on the next cycle. However the mileage hasn't been credited in many years. I've made several phone calls between the two companies over the past couple of years, but they have not been able to resolve my issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 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: EQUIFAX, INC.
State: TN

Complaint narrative:
Equifax and XXXX are reporting incorrectly that I am ( 120 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 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: MI

Complaint narrative:
On XX/XX/2020, I mailed a request to TransUnion LLC, informing them that I had recently been informed that there is a Bankruptcy Chapter XXXX in the file TransUnion maintains under my Social Security Number. Upon ordering a copy of my credit report, I see an entry listing Bankruptcy Chapter # XXXX. 

I contacted the Bankruptcy Court and they stated that they do not report to nor verify information from credit bureaus. 

According to FCRA 623 ( a ) ( 5 ), if the credit bureau can not VALIDATE the information, they must remove said information from the consumer credit file. 

TransUnion notified me that they verified the information and has not removed the information, from my file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
On Monday XX/XX/XXXX, I wanted to check my credit score through the advertised 'free ' link on my XXXX online account. It directed me to TransUnion and required me to enter my bank card information as well as other private information in order to check my credit score. The process was very deceiving and when I clicked the button to receive my advertised 'free credit score ' I was charged XXXX for their monthly credit monitoring program. The site design, fine print, and way of advertising the free credit check was very deceiving. I was able to call Trans Union ( which was VERY difficult to get through to ) and was told it would be refunded and my account was canceled. I have yet to receive the refund.

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 2020-05-27 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: EQUIFAX, INC.
State: TN

Complaint narrative:
Equifax ; XXXX and XXXX are reporting incorrectly that I am ( 30  ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Didn't receive terms that were advertised
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Please accept this correspondence as a complaint against online bank, Comenity XXXX XXXX  located in Missouri. The only phone number I have for them is XXXX. 
On XX/XX/2020, Comenity XXXX XXXX  was offering a one-year CD at a rate of 1.70 % the rate for a one-year CD. I contacted Comenity Direct Bank and spoke to XXXX and advised him I wanted to open four, one-year CD accounts. Three in the amount of {$25000.00} and one CD in the amount of {$10000.00} all at the advertised rate of 1.70 %. 
However, after numerous failed attempts to complete set-up for all four CD accounts on the XXXX, he put me on hold to get assistance in completing the additional accounts. When he returned to complete the transactions, he stated his supervisor advised him my application had to be approved before proceeding to complete the accounts. 
Every time I have contacted this bank, I have waited anywhere from 30-45 minutes to over an hour before I get to speak to anyone nor has any supervisors call me back the next day to follow up to discuss with me what the ops team or upper management decided on how to resolve this issue. 
Below is a log for every day I contacted the bank along with who I spoke to as well as the conversation I had with each one of the Banks employees. I also requested on two separate occasions to speak to the President or VP of the bank but was told they did not have that information or the online bank did not have a President or VP. I finally located and contacted someone at Comenity Capital Bank and the lady I spoke to said they were not associated with anyone at Comenity XXXX XXXX. I explained to her that at the end of their website it states that Comenity XXXX was a brand of Comenity Capital Bank. She apologized but she just sets up credit card accounts and knew nothing about Comenity XXXX XXXX  nor where they associated with Comenity XXXX XXXX. 
Any assistance you could provide would be greatly appreciated. 
Thank you,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: NC

Complaint narrative:
I have loan # XXXX with Fay Servicing. They sent me a letter in the mail stating they will force-place flood insurance if I do not get {$140000.00} in coverage based on the value of the property. My loan amount is only {$56000.00} based on a recent appraisal of {$75000.00}. The Flood Disaster Protection Act does not allow the lender to mandate {$140000.00} in flood coverage when the loan amount is only {$56000.00}. Please help them understand the rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 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: TN

Complaint narrative:
XXXX ; XXXX  and Transunion are reporting incorrectly that I am ( 30 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-05-27 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: TN

Complaint narrative:
XXXX ; Experian and XXXX are reporting incorrectly that I am ( 30 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-05-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Waypoint Resource Group, LLC
State: CA

Complaint narrative:
Disputed Collection After was paid in FULL. It Came OFF My report. Two Weeks later SAME COLLECTION Was reported as UNPAID. Disputed AGIAN, Collection agency reported as Collection UNPAID AGIAN. Tried to Contact Company and I can NOT Get a hold of Anyone from this company

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Equifax is reporting incorrectly that I am ( 120 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
Commonwealth Finance solutions claims that they are following HIPAA Laws but they have not. Under HIPPA laws, the information that can be shared with a collection agency is limited. The information that may be disclosed to a collection agency includes the debtor 's name, address, Social Security number, date of birth, account number, payment history and the name and address of the health-care facility or provider. However, HIPPA laws do not allow the medical records to be submitted to a collection agency. The services a patient received are private, and those records may not be disclosed to a collection agency. This company sent me a copy of the health records directly from them. THIS IS A HIPAA VIOLATION AND I HAVE THE DOCUMENTATION TO PROVE IT. I also have credit reports dating back to 2014 where this debt was never placed on my credit nor have I ever received anything about this supposed debt. Companies are required to notify you before placing any acct in collections and I was never notified of this debt. Both HIPAA and FCRA violations have occured on this almost 7 year old debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 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: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

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 2020-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I get frequent and repeated phone calls through out the day. It's starts at XXXX XXXX and goes on through the evening and weekends on some days. This company never leaves a message to let me know what they are calling for and I'm not sure why they keep calling. I only see the caller ID on my phone that says it's " Portfolio Recovery ''. After looking that name up, I found that it is a collection agency. However, they do not state the nature of their call. This company will simply drive you crazy with their robo calls and if you block the number from calling you back they will change the number to keep calling you. It's very frustrating and annoying to deal with. I use my phone at work and I'm constantly having to deny their calls while I'm on the phone with vendors and other business reps that I have to speak with on a daily basis.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMCOL Systems, Inc.
State: LA

Complaint narrative:
Amcol at XXXX XXXX XXXX in XXXX, SC XXXX purchase a invalid debt from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX for {$310.00} and illegally places this debt on my XXXX and XXXX  credit reports. At the time of service I had a primary commercial insurance and XXXX as secondary. I never had any balance due once insurance process and pay and I have requested that they remove this information from my credit report repeatedly with no resolve to this issue. On XX/XX/2020 I contact Amcol again and spoke with XXXX who stated due to the age they can no longer bill insurance so it is patient responsibility.

Company response to consumer: Closed with explanation