vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-24 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: OK

Complaint narrative:
Simple. 
I had a past due account with XXXX XXXX that went to collections in XXXX XXXX. 
I paid the collection XX/XX/XXXX. 
I filed a dispute and sent a copy of the paid letter to all three bureaus on XX/XX/XXXX. 
I have received credit updates from all three bureaus showing that I still have a balance, and the account does not show " settled '', " paid in full '', or anything of the sort. 
I have contacted the original creditor and verified that the account is indeed " settled in full '' according to them. 
I am assuming that the bureaus did an investigation, and contacted the original creditor, but obviously not since they are not correctly reporting what I have verified with the original creditor several times myself.

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 2017-08-24 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: OK

Complaint narrative:
Simple. 
I had a past due account with XXXX XXXX that went to collections in XXXX XXXX. 
I paid the collection XXXX XXXX, XXXX. 
I filed a dispute and sent a copy of the paid letter to all three bureaus on XXXX XXXX, XXXX. 
I have received credit updates from all three bureaus showing that I still have a balance, and the account does not show " settled '', " paid in full '', or anything of the sort. 
I have contacted the original creditor and verified that the account is indeed " settled in full '' according to them. 
I am assuming that the bureaus did an investigation, and contacted the original creditor, but obviously not since they are not correctly reporting what I have verified with the original creditor several times myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24 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: NM

Complaint narrative:
Experian is not responding to any of my requests to investigate, verify and remove accounts from my credit report that do not belong 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 2017-08-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently settled the amount that XXXX XXXX XXXX accumulated over a late fee charge, interests over several months and annual fee for a credit card that was linked to my checking account that I closed ( to use for online payment and billing statement access ). In XX/XX/XXXX, my last online payment was {$380.00}, paid in full as I closed my checking account, I had no access to the online statement and closed this credit card. Apparently in XX/XX/XXXX, balance was {$29.00} including {$1.00} fees charged. I did not receive any notification of my balance owed. In XX/XX/XXXX, fees were charged, balance became {$31.00}. The fee charges continued for several months without my knowledge. No phone call or mail to notify me that I still owe them on this credit card. During this time, there were no activities or purchases on the credit card. The XX/XX/XXXX statement showed an annual fee of {$50.00}. By XX/XX/XXXX, the total amount, balance was {$90.00}. They indicated 'charge-off adjustment '. I did not learn about these charges and amount owed until XX/XX/XXXXwhen a serious delinquency was reported to the credit bureaus and this caused derogatory information in my credit score. I contacted the creditor in XX/XX/XXXX to work on a settlement. I asked for hard copies of the billing statements because I had forgotten about this account from XX/XX/XXXX.
I called and asked one of the Supervisors to waive the fees charged over the months as they failed to notify me, I did not have access to the billing statements online. There was no way for me to know I owed them any balance since I closed the account. The creditor refused my offer and demanded that I pay the full balance.
As I was applying for credit on a big purchase this year, this came back to haunt me. The serious delinquency report lowered my credit score. I called, lost the battle and paid the balance of {$90.00} on XX/XX/XXXX. The representative assured me that I will get a letter in 10 business days to confirm that this has been settled and that derogatory item will be removed from my credit history. Three weeks had passed and I have not received the letter. I disputed with the Credit Bureaus but uncertain on what actions have been taken on their investigation.

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 2017-08-24 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: CA

Complaint narrative:
I recently settled the amount that XXXX XXXX XXXX accumulated over a late fee charge, interests over several months and annual fee for a credit card that was linked to my checking account that I closed ( to use for online payment and billing statement access ). In XXXX XXXX, my last online payment was {$380.00}, paid in full as I closed my checking account, I had no access to the online statement and closed this credit card. Apparently in XXXX XXXX, balance was {$29.00} including {$1.00} fees charged. I did not receive any notification of my balance owed. In XXXX XXXX, fees were charged, balance became {$31.00}. The fee charges continued for several months without my knowledge. No phone call or mail to notify me that I still owe them on this credit card. During this time, there were no activities or purchases on the credit card. The XXXX statement showed an annual fee of {$50.00}. By XXXX XXXX, the total amount, balance was {$90.00}. They indicated 'charge-off adjustment '. I did not learn about these charges and amount owed until XXXX when a serious delinquency was reported to the credit bureaus and this caused derogatory information in my credit score. I contacted the creditor in XXXX XXXX to work on a settlement. I asked for hard copies of the billing statements because I had forgotten about this account from XXXX. 

I called and asked one of the Supervisors to waive the fees charged over the months as they failed to notify me, I did not have access to the billing statements online. There was no way for me to know I owed them any balance since I closed the account. The creditor refused my offer and demanded that I pay the full balance. 

As I was applying for credit on a big purchase this year, this came back to haunt me. The serious delinquency report lowered my credit score. I called, lost the battle and paid the balance of {$90.00} on XXXX XXXX, XXXX. The representative assured me that I will get a letter in 10 business days to confirm that this has been settled and that derogatory item will be removed from my credit history. Three weeks had passed and I have not received the letter. I disputed with the Credit Bureaus but uncertain on what actions have been taken on their investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently settled the amount that XXXX XXXX XXXX accumulated over a late fee charge, interests over several months and annual fee for a credit card that was linked to my checking account that I closed ( to use for online payment and billing statement access ). In XXXXXX/XX/XXXX, my last online payment was {$380.00}, paid in full as I closed my checking account, I had no access to the online statement and closed this credit card. Apparently in XX/XX/XXXX, balance was {$29.00} including {$1.00} fees charged. I did not receive any notification of my balance owed. In XX/XX/XXXX, fees were charged, balance became {$31.00}. The fee charges continued for several months without my knowledge. No phone call or mail to notify me that I still owe them on this credit card. During this time, there were no activities or purchases on the credit card. The XXXX statement showed an annual fee of {$50.00}. By XX/XX/XXXX, the total amount, balance was {$90.00}. They indicated 'charge-off adjustment '. I did not learn about these charges and amount owed untilXX/XX/XXXX when a serious delinquency was reported to the credit bureaus and this caused derogatory information in my credit score. I contacted the creditor inXX/XX/XXXXto work on a settlement. I asked for hard copies of the billing statements because I had forgotten about this account from XXXX. 

I called and asked one of the Supervisors to waive the fees charged over the months as they failed to notify me, I did not have access to the billing statements online. There was no way for me to know I owed them any balance since I closed the account. The creditor refused my offer and demanded that I pay the full balance. 

As I was applying for credit on a big purchase this year, this came back to haunt me. The serious delinquency report lowered my credit score. I called, lost the battle and paid the balance of {$90.00} on XX/XX/XXXX. The representative assured me that I will get a letter in 10 business days to confirm that this has been settled and that derogatory item will be removed from my credit history. Three weeks had passed and I have not received the letter. I disputed with the Credit Bureaus but uncertain on what actions have been taken on their investigation.

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 2017-08-24 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: TX

Complaint narrative:
These tax liens are self-releasing and should have already been removed off of my credit report. Also, there are other tax liens with different dollar amounts that are incorrect o my credit reports. All liens have been paid and should have been removed in 2014. We have spend over {$15000.00} in trying to solve this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: LEXISNEXIS
State: AL

Complaint narrative:
I have a bankruptcy showing in my background check. By law as of XX/XX/XXXX 2017, this should n't reflect. This is hurting me from getting a job.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: MN

Complaint narrative:
Foreclosure sale is Monday XXXX XXXX, XXXX. 
We have asked for short sale to non-profit and have been unable to get cooperation from the lender. We have provided them with contractor estimates, but they have been unwilling to review them and accept them. They are misrepresenting the condition of the house to the lenders for the foreclosure sale. We have sent them a qualified written request in XXXX, XXXX and again today, XXXX XXXX, XXXX. 
They do not seem to be willing to review the actual condition of the house.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Innovis
State: AL

Complaint narrative:
There 's a bankruptcy showing on my background check. As of XXXX XXXX 2017 these should be removed from reports. This is effecting me getting jobs.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24 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: TX

Complaint narrative:
These tax liens are self-releasing and should have already been removed off of my credit report. Also, there are other tax liens with different dollar amounts that are incorrect o my credit reports. All liens have been paid and should have been removed in 2014. We have spend over {$15000.00} in trying to solve this matter.

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 2017-08-24 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: TX

Complaint narrative:
These tax liens are self-releasing and should have already been removed off of my credit report. Also, there are other tax liens with different dollar amounts that are incorrect o my credit reports. All liens have been paid and should have been removed in 2014. We have spend over {$15000.00} in trying to solve this matter.

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 2017-08-24 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: EOS Holdings, Inc.
State: LA

Complaint narrative:
Contacted XXXX about an account listed as a collection in my credit file for EOS CCA. They were informed that I was seeking VALIDATION for this account as had no knowledge of if. I once had assumed it was something belonging to my ex-spouse but after speaking with her on this matter, I am at a lost. I need to know where to start with tracing this account back to the rightful owner.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank N.A. did a hard inquiry without my permission. Their authorization request to obtain my credit report did n't say that they will do a Hard Inquiry. Furthermore, the authorization to obtain a credit report is written in very small letters at the end of the page, making it hard to notice. To sum up, there was no approval for the hard inquiry, and Citibank N.A. did it without my permission. Even if I authorized them to obtain my credit report, I did n't authorize a hard inquiry! 
This is why I am asking the dispute of the hard inquiry from my credit reports!

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 2017-08-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I refinanced my Wells Fargo mortgage. Final payment for the mortgage in full was received on XX/XX/XXXX. Wells Fargo took Private Mortgage insurance for the entire month of XXXX, because they received the monies for payment in full on XX/XX/XXXX. They refused to prorate this amount. My Mortgage agent - XXXX from XXXX XXXX XXXX XXXX in XXXX, Minnesota said that Wells should have prorated and only charged the two days PMI as all the other lenders do, but was stealing the rest of the monies. When I challenged this with Wells they said they take for the whole month. They escalated to people that either knew nothing about how the PMI was supposed to work or just said we did what we can and you 're out of luck. My understanding was that in XX/XX/XXXXthe laws changed to favor the consumer and said lenders must prorate Private Mortgage insurance. We closed our Wells Fargo Mortgage loan on XX/XX/XXXX. We had PMI taken in XX/XX/XXXX that I understand would have covered the month of XXXX because it runs behind and we paid an additional {$290.00}. representing another two months of PMI at {$140.00} per month and we should have had to pay the {$140.00} for the one month and only two days Interest for XX/XX/XXXX and XX/XX/XXXX for {$9.00} total and they should have refunded us {$130.00}. Their customer service just keeps talking to you saying we get to keep the money and then keeps polling you to ask if you 're satisfied. Of course I am not because I feel they wrongly took the {$130.00} and should have prorated and just charged us for the two days PMI. I spoke with XXXX XXXX at Wells Fargo and others to no avail. He is a really nice man but really did not know if Wells Fargo should have prorated and it seemed outside of his expertise and others had told him Wells will keep the money and that 's where it stood. Our loan closed out and we had a zero balance on XX/XX/XXXX and then were charged PMI of {$290.00} on XX/XX/XXXX. We had also paid {$140.00} in PMI on XX/XX/XXXX and of course, we paid PMI every month out of our payments and were never behind.

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 2017-08-24 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: ALLY FINANCIAL INC.
State: AL

Complaint narrative:
I currently lease a XXXX XXXX XXXX XXXX through Ally. I am within 90 days of the end of this lease and as I have done many times before with leased vehicles, I considered trading in the vehicle early. I contacted Ally on XXXX/XXXX/XXXX to request a payoff amount and was given a figure of {$23000.00} good through XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, I decided on a new car to purchase and arranged a trade-in deal with the dealer based on them taking my XXXX XXXX XXXX and paying off the lease through Ally. 

When the new car dealer went to verify payoff information through Ally, they were told that the payoff amount of {$23000.00} that I was quoted was only good if I purchased the car for myself. In order to take the Jeep on trade, the dealer would have to pay Ally over {$27000.00} in order to payoff the lease. I feel that having different payoff amounts is a deceptive practice by Ally. I understand that early payoff of the lease is a calculation based on the original lease contract terms including the vehicle 's agreed-upon residual value. That amount should not change whether I am buying the car for myself or trading it in to a dealer. There is no mention in the lease contract of the difference in payoff of the lease for me buying the car vs. trading it in.

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 2017-08-24 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: LA

Complaint narrative:
Contacted XXXX about an account listed as a collection in my credit file for XXXX XXXX. They were informed that I was seeking VALIDATION for this account as had no knowledge of if. I once had assumed it was something belonging to my ex-spouse but after speaking with her on this matter, I am at a lost. I need to know where to start with tracing this account back to the rightful owner.

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 2017-08-24 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: CO

Complaint narrative:
Brother in law took out a home inprovement loan and then became XXXX. He fell behind in payments and his brother discovered home was in foreclosure. on XX/XX/XXXXwe contacted the Mortgage company who passed us around to their lawyer, and Public Trustees office. on this date we explained we had the funds to cure and pay off the loan and requested the cure and payoff numbers be provided to have home release fron foreclosure. n onXX/XX/XXXX we reached ot to congressmen XXXX 's office for assitance after we were told it would take 14 days to get the figures requested, The sale date was set for XX/XX/XXXX and we did not have 14 days. Congressmen XXXX 's office did assist us getting the cure to stay until XX/XX/XXXX. I have contacted the Mortgage company several times since and I have been given several different stories and excuses on why we have not received the information request. I have faxed the Power of Attorney twice, hung up on several times and not once have I spoken to the same person. the home is valued at XXXX to XXXX and we believe the Mortgage company is stalling so they can sell this home for a profit. We have the funds to payoff the loan and it is our desire to do so. Please note during the last two weeks our Brother was XXXX and then went to XXXX XXXX to get his strength back and has no funds of his own to take legal action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation