vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-20 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: OH

Complaint narrative:
I'm missing my complete on-time payment HISTORY FOR THE LAST 6 YEARS ON THIS ACOCUNT! 


ACCOUNT XXXX XXXX XXXX XXXX # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20 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: VA

Complaint narrative:
My consumer rights have been denied by Experian. Experian continuously report inaccurate information regarding a Bankruptcy in 2015. The negative and false information has been deleted as it should be with XXXX  and XXXX  but Experian has not deleted this information. I have contacted Experian several times but they have not verified the information as they stated. They mentioned that they would reach out to the courts but they have not. The public record information that they claim to have verified through a 3rd party is incorrect.

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 2020-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I'm missing my complete on-time payment HISTORY FOR THE LAST 6 YEARS ON THIS ACOCUNT! 


ACCOUNT XXXX XXXX XXXX XXXX # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20 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: OH

Complaint narrative:
I'm missing my complete on-time payment HISTORY FOR THE LAST 6 YEARS ON THIS ACOCUNT! 


ACCOUNT XXXX XXXX XXXX XXXX  # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I have been charged excessive fees and interest charges of 29.24 percent base upon a late fee that was not late but continue to charge trailing interest fees to my account even though they corrected the error and credit my late fees. Also my total American Express balance including pay overtime balances was all paid Off in full on XX/XX/XXXX by my credit union, therefore the total balance was paid in full. Why was a new charge of {$5300.00} added to my billing statement in pay overtime portion billing statement XX/XX/XXXX? I ask many times about that balance no concrete answer, but they continue to roll over that pay over time balance and it continue to increase and the fees and interest continue to increase, Why? That pay overtime should have not been applied to my account billing statement. That is fraud and double billing because that balance was already paid off on XX/XX/XXXX which it still on my billing statements but with increase balance and fees and interest charges. Also on XX/XX/XXXX a payment was made on the due date but American Express added a late fee charge of {$29.00} dollars stating my payment was late and added increase interest fee rate at 29.24 percent with a continuing trailing interest. I was added interest to payment that was not late they even credited back to my account both times and on XX/XX/XXXX but still continue to charge interest at 29.24 percent towards the double billing balance on the pay over time balance and change it to pay overtime direct and pay overtime Select. Which is new. On many occasions I inquired about that double pay overtime balance but I was ignored. They never corrected the double billing. Please address this matter to XXXX XXXX. XXXX ( XXXX  ) telephone number is XXXX because Im not getting nowhere with customer care persons. I sent documents directly to the department where it stated on the billing statement if you think a mistake has been made on your billing account send in documents, which I did several times at one time  they said they didnt receive any documents but I have the post office tracking numbers receipts, then they say oh we got the documents but still ignored my claim of double charging of pay overtime balances along with fees and interest

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SUNRISE CREDIT SERVICES, INC
State: OH

Complaint narrative:
Account : SUNRISE CREDIT SERVICES # XXXX I'm was unaware of this account and did not have the opportunity to dispute, please remove from my credit profile as you are in violation of the Fair Credit Act. In addition, please provide the following : Assignment of debt Method of Verification Validation of Debt Original instrument of indebtedness

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 2020-09-20 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Conduent Incorporated
State: MS

Complaint narrative:
I HAVE CALLED MISSISSIPPI EPPIC CARD 5 days in a ROW STAYED ON HOLD FOR 4-5 HOURS EVERYTIME OBLY SPOKE WITH A LIVE PERSON ONCE ONLY TO BE TRANSFERRED AN STAYED ON HOLD ANOTHER 2 hours Till I finally hung up! STILL NOT ABLE TO USE MY CARD With {$1600.00} on it!! No one will help me get my card unlocked!! EPPIC card customer service an speaking with live person is ABSOLUTELY PATHETIC AN IMPOSSIBLE! Someone please do something aboutt this issue!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SUN WEST MORTGAGE COMPANY, INC.
State: NC

Complaint narrative:
I pay my mortgage through a recurring payment on my bank 's website. The mortgage is set to pay on the XX/XX/XXXX of each month. The paper check is sent to the bank on the XX/XX/XXXX every month. The payment is late if received after the XX/XX/XXXX. Twice this year I have contacted SunWest regarding cashing the check in a timely matter. Currently, they have a late fee applied to my account. I don't understand why the company is not processing my checks quickly using ACH.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Commonwealth Financial Systems, Inc.
State: MA

Complaint narrative:
On XX/XX/2020 I received a letter from Commonwealth Financial Systems , Inc., XXXX XXXX XXXX, XXXX XXXX, PA XXXX listing 13 "  account numbers '' and dollar amounts of alleged debt from XXXX XXXX XXXX. They had already taken action to ruin my credit by filing numerous derogatory comments at the credit bureaus on XX/XX/2020. They didn't just THREATEN to ruin my credit ... they took action to ruin my credit before they ever notified me of anything or provided me a chance to dispute this. I called on XX/XX/2020 and sent a letter advising them that I have valid, current health care insurance ; that I disputed the debt since they didn't bother to list dates of service, name of patient, or description of services. I also advised that they had made NO NOTIFICATION to me prior to making derogatory remarks at the credit bureaus. I asked what steps they had taken to validate the debt before making the derogatory remarks. The woman said they simply " assume '' the debt is valid. I requested validation and advised that I dispute the debt. I was told validation would be sent. However, a few days later, they made additional derogatory remarks at the credit bureaus, even after I advised them it was in dispute. I filed a complaint with the XXXX explaining that I have no idea what this is about, and that the collection agency did not validate the debt. They LIED in their response to the XXXX  claiming they sent validation on XX/XX/2020. Their letter to me wasn't dated until XX/XX/2020 advising they had these accounts and offering a 25 % discount on the debt. In addition, their employee verbally admitted they did not validate anything since they " assume '' records from a health care facility are valid on their face. I disputed the debt with the credit bureaus in XXXX and it was removed. After being notified by the XXXX of my complaint to which they filed the false statement about sending validation on XX/XX/2020 that I mentioned above ... they also told the XXXX they were requesting additional information. Why would they need additional information if they had already validated and sent me validation on XX/XX/2020 ... .they didn't do any of that. NOTHING has been provided since their original letter dated XX/XX/2020. To make matters worse, in XXXX they filed all new additional derogatory comments. I have no way to determine whether this debt is valid, whether it is old, and/or who even received XXXX XXXX. I have a family plan. I have seen many complaints about this company on the internet regarding the fact that they try to collect debt that is not valid, and engage in the same type of unethical conduct with the credit reporting agencies. It is my belief they continue filing these bogus derogatory remarks to harass and try to intimidate me into paying bills that I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20 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: TRANSWORLD SYSTEMS INC
State: AZ

Complaint narrative:
In XX/XX/2020 I spoke to a representative with Transworld Systems Inc. ( TSI ) which stated there was an attempt to collect a debt in the amount of {$2900.00} from XXXX XXXX. He offered a settlement and stated it would not be reported to the credit bureaus if fulfilled within that time frame. The Representative came up with a payment plan of a {$250.00} down payment followed by 10 payments every week of {$180.00} that would cover the debt which I agreed to. An email was sent to me confirming what we had spoke about. After paying my last payment ( XX/XX/2020 ) I called TSI to confirm that there were no outstanding balances. The representative I spoke with on this day told me I was good to go. Within the next couple days after checking the XXXX XXXX app on my phone, I got a notification that I had my first derogatory mark on my credit report which dropped my credit 23 points. This derogatory mark stated that I still have a remaining balance of {$830.00}. I called TSI immediately inquiring on why this is. They said that I still owe {$100.00}. I feel this is fraudulent considering we agreed upon an amount and payment plan, I fulfilled the agreement and now they are saying I owe more money. These conversations were all on recorded lines and should be reviewed for accuracy. After multiple phone calls they are refusing to work with me and verify the actual agreement. This is very upsetting because Ive been trying to repair my credit and take care of my obligations only to be slapped in the face with this. It would be greatly appreciated if you could investigate this matter so I can have this removed from my report as soon as possible. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: AR

Complaint narrative:
I HAD A LOAN MODIFICATION H.A.M.P. DONE AND NATIONSTAR STOLE MY HUSBAND EXEMPTION FUNDS FROM XXXX, THAT I USED FOR WIRE TRANSFERS XXXX XXXX OR XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20 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: VA

Complaint narrative:
I recently received a copy of my credit report, The credit report showed a credit inquiry that i do not recall authorizing. 
If you find that i am remiss, and you do have my authorization to inquire into my credit report, then please send me proof of this. Otherwise, please note that i am reserving the right to take civil action if necessary.

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 2020-09-20 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: DISCOVER BANK
State: GA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: MN

Complaint narrative:
I have checked the closest options but I will tell you my real issue. I applied for the Federal Public Service forgiveness plan. I am a XXXX in a XXXX XXXX XXXX and have fulfilled the requirements to receive this forgiveness towards my student loans. I believe that I am eligible to have {$17000.00} deducted from my student loans. I am an XXXX as a XXXX XXXX XXXX. 

I was denied because of past outstanding payments to my student loans. I will say that I have worked very hard as a XXXX  and was put into an unfortunate situation where payment of my loans was difficult. I have utilized forbearance and deferral to get past this issue. I have since paid off my student loans that I incurred when I initially attended school beginning in the early XXXX XXXX. The student loan debt that I now have was incurred as I obtained new licensure as a XXXX XXXX and then as an XXXX XXXX. 

I have been unable to completely pay off this debt and part of the reason I did incur this debt is because my husband lost his job in XXXX due to the economic upheaval that was happening at the time. He had a very good job that paid a very good wage. The company he worked for closed its doors. I would have never obtained student loans if my husband had not lost his job. I would have had the financial means with which to pay for my continuing education. 

I think that this system should be reevaluated and that each person 's situations should be accounted for. I have fulfilled the obligation of XXXX  in a XXXX XXXX XXXX, that is where all my XXXX  has occurred, and I am a highly qualified XXXX of XXXX. I would love for my entire student loan debt to be forgiven but will be more than happy to accept the minimal forgiveness of {$17000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20 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: OH

Complaint narrative:
Re : Method of Verification Request To Whom It May Concern : I was NEVER LATE ON THESE ACCOUNTS XXXX  XXXX XXXX : XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX. 
Please be advised that I am exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the  accuracy and completeness of the information shall be provide to the customer by the agency, including the business name and telephone number of the furnisher. 

In compliance with this method of investigation request, please provide the following : The description of the procedure used to determine the accuracy of the completeness of the information. 

Name, address, and telephone numbers of each person contacted regarding this alleged account was late. 

Any automated response or e-Oscar verification is unacceptable. I am requesting a re-investigation along with your method of verification. 

The item in question is inaccurate and represent a very serious reporting error. I expect a to receive RESPONSE IN 15 DAYS of receipt of this letter in compliance with the FCRA. If not, I expect these late payments to be corrected in my credit files. 

Please make sure to provide Method of Verification and process used with documentation.

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 2020-09-20 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:
According to CFPB Ref No : XXXX, XXXX sent a request to delete the hard inquiries, dated XX/XX/2020, XX/XX/2020, and XX/XX/2020 in which CRAs must take less than 90 days since XX/XX/2020 to update my records. At the moment of filling the claim, XX/XX/2020, Experian still reports falsify information about these hard inquiries.

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 2020-09-20 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:
XXXX  XXXX. XXXX XXXX, XXXX, CA XXXX Experian XXXX. XXXX XXXX, XXXX, TX XXXX XXXX XXXX. XXXX   XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking  fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX  ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20 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: VA

Complaint narrative:
I recently received a copy of my credit report, The credit report showed a credit inquiry that i do not recall authorizing. 
If you find that i am remiss, and you do have my authorization to inquire into my credit report, then please send me proof of this. Otherwise, please note that i am reserving the right to take civil action if necessary.

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 2020-09-20 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: VA

Complaint narrative:
I recently received a copy of my credit report, The credit report showed a credit inquiry that i do not recall authorizing. 
If you find that i am remiss, and you do have my authorization to inquire into my credit report, then please send me proof of this. Otherwise, please note that i am reserving the right to take civil action if necessary.

Company response to consumer: Closed with explanation