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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I received a notification in XX/XX/2020 that I had a late payment reported on my credit. XXXX XXXX holds my mortgage and I set up my account for autopay months before that. They had an internal error and did not pull my mortgage payment in XXXX  and failed to notify me of the mistake. They reported a late payment on my credit even though it was their fault. I called them and two customer service agents told me that it would be removed. It's still being reported on my credit file and they haven't taken it off yet. It is killing my score and needs to be removed.

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: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I received a notification in XXXX of 2020 that I had a late payment reported on my credit. XXXX XXXX  holds my mortgage and I set up my account for autopay months before that. They had an internal error and did not pull my mortgage payment in XXXX and failed to notify me of the mistake. They reported a late payment on my credit even though it was their fault. I called them and two customer service agents told me that it would be removed. It's still being reported on my credit file and they haven't taken it off yet. It is killing my score and needs to be removed.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
On XX/XX/2020 I submitted a dispute to Transunions website for an account to be removed from my credit history, which I had submitted additional documentation showing that the original creditor of the account had canceled the debt. The other 2 major credit bureaus have since removed this account from my credit profile. However, I was supposed to receive the results from Transunion and upon calling them on XX/XX/2020, they have told me they never in fact received my dispute submission. I was also told that this occurred because I had a free account, which is illegal for me to be charged to make a dispute regarding anything on my credit report. I was told that I could resubmit another dispute, which is wrong to have to wait another 30 days, then they told me I could send my dispute via mail. Which I have an issue with because electronic submission is supposed to cut out the incidence and of your information being lost or not received.

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 — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect
State: WI

Complaint narrative:
Americollect at XXXX XXXX XXXX XXXX XXXX, Wi has a negative balance of {$640.00}. The collection has been reported as past due balance. I do not know this company. I have never done any business with this company, This company does not have a contract with my signature.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 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: NV

Complaint narrative:
I submitted a formal written request to all 3 credit bureaus ( Experian, XXXX and XXXX  ) on/around XX/XX/2020 and a second request was sent via certified mail on XX/XX/2020 seeking the deletion of erroneous and inaccurate information contained in my credit file. 
In my certified letter sent and received by Experian, XXXX  and XXXX on XX/XX/2020, I requested a reasonable reinvestigation as defined by 15 U.S.C. 1681 ( 1 ). In particular 1681 ( i ) ( a ) ( 1 ) ( a ) requires that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute. I requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they may also perform a reasonable investigation. 
I am currently unable to qualify for a mortgage refinance due to the erroneous information listed on my report. This is costing me {$400.00} per month and probably more now that the rates have gone down again.

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: DISCOVER BANK
State: CO

Complaint narrative:
XXXX  Credit Reporting company refused to " delete '' two ( 2 ) Hard Inquiries, both of which I've never applied for credit! Experian shows one ( 1 ) Hard Inquiry - XX/XX/XXXX from Discover Credit Card Company. 
However, upon reviewing XXXX 's website WITH HAVING TO PAY for a Premium Revolving charge Membership, I am looking at THEIR report on me and there's two ( 2 ) Hard Inquiries! The 2nd is from XXXX XXXX XXXX in XXXX. I never have applied for credit with XXXX XXXX, either! I already called both Companies and they couldn't confirm or find any application for credit. Both directed me to XXXX  and XXXX  and XXXX XXXX. 
Today, after being told by a fraud department agent named XXXX, that they " XXXX  '' can not and will not remove the 2 incorrect Hard Inquiries. XXXX  doesn't want my XXXX  Score to rise. XXXX hung up on me when I asked to have a supervisor contact me. The call ended at XXXX MST and my calls are automatically recorded & stored. I'm sure they recorded the call, too. Both Agents were incredibly rude, inept at facts, and evidently weren't trained in U.S. Credit Federal Law. 
My request ... I WANT BOTH INCORRECT HARD INQUIRIES DELETED/REMOVED! 
I ALSO WANT XXXX  TO CRITIQUE THEIR 2 PHONE AGENTS, PRIMARILY, XXXX. 
I can upload the actual phone call file if needed. I will attach the image screenshot of the 2 Hard Inquiries that are on my XXXX  Credit Report. 
Moreover, I'm requesting AGAIN ( 2nd time ) for XXXX  Credit to ALSO DELETE/REMOVE the Indicator of " seeking credit '' from my report and as it factors into my XXXX  Credit Report and ALL FORMS OF MY XXXX SCORES, including but not limited to, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, etc. 
Respectfully, XXXX XXXX XXXX

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
XXXX  Credit Reporting company refused to " delete '' two ( 2 ) Hard Inquiries, both of which I've never applied for credit! XXXX  shows one ( 1 ) Hard Inquiry - XX/XX/XXXX from XXXX Credit Card Company. 
However, upon reviewing XXXX 's website WITH HAVING TO PAY for a Premium Revolving charge Membership, I am looking at THEIR report on me and there's two ( 2 ) Hard Inquiries! The 2nd is from Kohl 's Company in XXXX. I never have applied for credit with Kohl 's, either! I already called both Companies and they couldn't confirm or find any application for credit. Both directed me to XXXX  and XXXX  and XXXX XXXX. 
Today, after being told by a fraud department agent named XXXX, that they " XXXX  '' can not and will not remove the 2 incorrect Hard Inquiries. XXXX doesn't want my XXXX  Score to rise. XXXX hung up on me when I asked to have a supervisor contact me. The call ended at XXXX XXXX and my calls are automatically recorded & stored. I'm sure they recorded the call, too. Both Agents were incredibly rude, inept at facts, and evidently weren't trained in U.S. Credit Federal Law. 
My request ... I WANT BOTH INCORRECT HARD INQUIRIES DELETED/REMOVED! 
I ALSO WANT XXXX  TO CRITIQUE THEIR 2 PHONE AGENTS, PRIMARILY, XXXX. 
I can upload the actual phone call file if needed. I will attach the image screenshot of the 2 Hard Inquiries that are on my XXXX  Credit Report. 
Moreover, I'm requesting AGAIN ( 2nd time ) for XXXX  Credit to ALSO DELETE/REMOVE the Indicator of " seeking credit '' from my report and as it factors into my XXXX  Credit Report and ALL FORMS OF MY FICO SCORES, including but not limited to, XXXX, XXXX  XXXX, XXXX XXXX, XXXX CREDIT CARD, etc. 
Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
USAA has illegally held my funds since before XX/XX/XXXX and will do so until XX/XX/XXXX its over {$5000.00} Ive executed every angle and every rep tells me a different story Then I speak to both the fraud department and I got a call back from the manager request this past Monday to tell me they were sorry and were going to expedite the closure of my account and send my check I call today to find out it was all XXXX  Ive called a record of 56 times I have driven 3 hours and waited in line for two hours just to get nowhere Im sick to my stomach in debt because of this Im about to lose everything because of USAA and their XXXX  I have no documents and no letters in the mail stating any of this I want my money because I need it now please help me My mother passed away yesterday I need my money for her funeral and I can prove everything I say and everything they have done and all the recorded conversations

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: U.S. BANCORP
State: OH

Complaint narrative:
I recently moved and reported my address change and they asked me to submit documents. So I did so using their website they gave me all they needed at first was a selfie and a picture of my drivers license then I call them they say give it one to two business days. It has been two weeks and they still havent released my benefits and I need to pay bills..

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 — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RS Clark and Associates, Inc.
State: GA

Complaint narrative:
The original company XXXX XXXX is trying to collect on an incorrect amount, and has placed it on my credit, in addition to selling account to RS Clark and Associate XXXX in the amount of {$200.00}. I made the last payment in XX/XX/XXXX on the date of invoice for XXXX. I purchased new washer and dryer, and had asked them to please pick up lease XX/XX/XXXX. I only owe for XX/XX/XXXX, and possibly XX/XX/XXXX. the company took their time picking up merchandise, and still charged me until XXXX/XX/XX/XXXX. Please see all attachments. This incorrect derogatory collection has caused my XXXX score to decrease to XXXX.

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: Other features, terms, or problems — Problem with balance transfer
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
I applied for an American Express XXXX XXXX XXXX credit card through XXXX on XX/XX/20 with the intent to transfer my balance from another credit card. The introductory offer was 15 months at 0 % APR and a 3 % balance transfer fee. I received my card today and called American Express to do the balance transfer, however, they rudely informed me that they no longer accept balance transfers for any of their cards. The associate on the phone assured me that they do not advertise balance transfers anywhere and I must have been mistaken when I saw this. She offered no resolution. I am extremely frustrated as this is the only reason I applied to open a new line of credit. 

I included a screenshot of the offer below. I double checked and there is no fine print that says they no longer accept balance transfers. This was misleading and false advertising. American Express mislead me into opening a new account under the impression that I could issue a balance transfer at a 3 % fee. They offered nothing to solve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Fidelity Properties Inc.
State: OH

Complaint narrative:
I received a letter from Fidelity Properties , Inc. that included four medical bills for my daughter. Three of the charges were from after she turned XXXX, which I am not liable. The additional charge, from when she was a minor, would have been covered under insurance. I had previously spoken to the collection agency regarding these issues, possibly last year. I received an additional letter today and called them again. I spoke to XXXX XXXX, who stated that the information was already in the file from my previous phone call. However, they continue to pursue me for debt that I am not liable for and debt that should be returned to the original creditor for proper billing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bryant, Hodge & Associates LLC
State: NC

Complaint narrative:
They are repeatedly texting. I replied STOP to the text but they continue. When I called to ask them not to contacting me, I was told to shut up.

Company response to consumer: Untimely response
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: FL

Complaint narrative:
There are 2 accounts somehow reporting late and I think this is wrong see letter attached

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: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
missing my XXXX AU card of {$25000.00} please add it

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC
State: TX

Complaint narrative:
I had contact Receivable Management about XXXX dollar debt. I have requested for a validation, they still havent verified nor validate my 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: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2020, I submitted a request to the 3 bureaus to have a specific accounts investigated and verified. I then sent follow up letters on XX/XX/XXXX and XX/XX/2020, after the information was listed as verified, and I asked for proof of verification. None was provided and the account misinformation is still being reported inaccurately. On XX/XX/2020, I asked the bureaus to provide validation of the debt being misreported, I then followed up with a letter on XX/XX/2020, both received no response and no correction of misinformation on the reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: American Financial Network Inc.
State: TX

Complaint narrative:
Hello! My name is XXXX XXXX and I was working with XXXX XXXX XXXX with Amercian Fincial Network out of XXXX. We started working on the mortgage loan process at the end of XXXX! I have a car that I am paying a note on and I had to put that info on the application! I have a text message where I told him about my car note on XXXX XXXX. We got to the final part of the underwriting process ( XXXX XXXX-underwriter in California with the same company ) to tell me that my car note popped up! XXXX told me this on XXXX XXXX! The car company been on my credit since XXXX! Of course, since he didn't factor this in, h it my debt to income go higher! I understand that, but he should of stopped it at the beginning! When I reported this to his supervisor, XXXX, he statement was, I will tell XXXX to stop the deal because we do not need the headache, we close billion dollar deals ''! This was very unprofessional! Due to this horrible process, I lost almost {$3000.00}, displaced from my home! I am a single parent with XXXX kids and now have to figure this out since he made a very huge mistake! I do have the text message when I told him about the car note

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
back in XX/XX/2019 I been paying all my utilities, phone, internet, water through XXXX XXXX XXXX and was using experian boost. It once had my score to XXXX now being that it has all been erased it went down to XXXX stating bank changed security. I called my bank and being that experian boost is not XXXX of their features that can not assist. I called experian and they claim they can not fix error. Not only that experian keep putting incorrect information in my report. I filed complaint 3 times stating identity fraud and it is still showing on my report. I need it removed.

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: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
back in XX/XX/2019 I been paying all my utilities, phone, internet, water through XXXX XXXX XXXX and was using experian boost. It once had my score to XXXX now being that it has all been erased it went down to XXXX stating bank changed security. I called my bank and being that experian boost is not one of their features that can not assist. I called experian and they claim they can not fix error. Not only that experian keep putting incorrect information in my report. I filed complaint 3 times stating identity fraud and it is still showing on my report. I need it removed.

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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
AFTER HAVING A CHANCE TO GO OVER MY CREDIT FILE, I CAME ACROSS SOME DEROGATORY ACCOUNTS REPORTING ON MY CREDIT FILE. THE ACCONTS DO NOT BELONG TO ME. THERE HAVE BEEN A TREMENDOUS DROP IN MY CREDIT SCORES BECAUSE OF THIS SITUATION. IT IS SO UNFAIR TO ME BECAUSE I HAVE ABSOLUTELY NO KNOWLEDGE OF SUCH ACCOUNTS. IT HAS BECOME VERY HARD FOR ME TO ACCOMPLISH CERTAIN THINGS ALSO BECAUSE OF THIS. I AM ASKING THE AN INVESTIGATION IS OPENED IN ORDER TO REEVALUATE THE ACCOUNTS AND HAVE THEM REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE.

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 — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC.
State: CO

Complaint narrative:
debt to XXXX XXXX XXXX XXXX was denied by XXXX XXXX IN XXXX. account was turned over to collections illegally. XXXX called and talked to them and was told they would remove the collections from my credit account. They have still not removed the collections and won't take my calls. they are ignoring me and this is hurting my credit which I need to use to renew my mortgage. I believe they will just leave this on my credit account indefinitely in retalliation for non payment.

Company response to consumer: Closed with explanation