vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-21 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 have provided Experian with a hard copy of an error that XXXX XXXX XXXX agreed to correct. The states that I do not have any 30 late payments on my account. The 30 late payment is reported on my Experian account for XX/XX/XXXX. I have furnished Experian with written proof and they refuse to correct my credit report, this is causing me to not get approved for future credit. XXXX & XXXX   have corrected this error, but Experian refuse to do so. 

XX/XX/XXXX Account Dispute Opened We have opened your Account Dispute The dispute for the account with XXXX XXXX  XXXX that starts with XXXX has been received and should be completed by XX/XX/XXXX. We will process the items that you questioned with the furnisher of the information or vendor that collected the information from a public record. Youll receive an alert when updates are available and when your full results of your dispute are ready to view. 

ALERT DETAILS XX/XX/XXXX Account Dispute Modified Your original Dispute was Modified The dispute for the account with XXXX XXXX  XXXX that starts with XXXX was modified by an Experian Disputes Specialist. If you have provided relevant supporting documentation, you will be notified when a new dispute is opened in light of the additional information you provided. 

ALERT DETAILS XX/XX/XXXX Account Dispute Update We have an update about your Account Dispute The dispute for the account with XXXX XXXX  XXXX that starts with XXXX was not changed as a result of our processing of your dispute. The company that reported the information has certified to Experian that the information is accurate. We will notify you when all of your pending disputes have been completed and the full results are ready to view. Review your latest Credit Report to help ensure the information on your Report is accurate. 

XX/XX/XXXX Account Dispute Opened We have opened your Account Dispute The dispute for the account with XXXX XXXX  XXXX that starts with XXXX has been received and should be completed by XX/XX/XXXX. We will process the items that you questioned with the furnisher of the information or vendor that collected the information from a public record. Youll receive an alert when updates are available and when your full results of your dispute are ready to view.

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 2018-02-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Synovus Bank
State: MA

Complaint narrative:
{$300.00} XX/XX/15 closed the account, I wanted to close the account but the company did not want to

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
I have sent a letter to them a long time ago and I do not see results, I'm still in the same place where I started. It's not the first time, I still with the same information inaccurate.

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 2018-02-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC.
State: OK

Complaint narrative:
This company Afni , Inc. XXXX. XXXX XXXX XXXX, IL XXXX. They are a debt collection co. They are trying to collect for XXXX XXXX. The Creditor Acc # XXXX. 
The Afni, inc, acc # XXXX. 
I submitted a receipt of pay-n-full to all three credit bureaus and they deleted this account for the amount of {$650.00}. I just received this collection notice on XX/XX/XXXX. I believe they are trying miss up my credit report that I have been trying to build up for the last 6 years. Also, this debt was paid Date : XXXX. I pray that you can get them to leave me along.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
Around XX/XX/XXXX, I discovered on my XXXX monthly earning statement a debt collection in the amount of {$240.00} with the following message below XXXX XXXX XXXX-DEBT DEBT BALANCE {$.00} ORIGINAL DEBT {$240.00} XX/XX/XXXX XX/XX/XXXX UNPAID DEBT BALANCE *TOTAL* : {$.00} XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX ET Immediately I contacted Citibank customer service : The representative whom I spoke with informed me that {$240.00} fees was for a {$29.00} fees for a new card issued and sent to me. The additional fees was for late fees. My question to them was : where the notification of this charges sent to and when. Citi declined to discuss with me and referred me to the XXXX card representatives who just confirmed the charges that I was calling to address. 
1- The credit card from Citi for which I am currently registered never showed any balance due and have an available balance of {$4000.00} 2- I am currently XXXX have no access to any hard mail 3- Citi have my correct and current email address on file. Why was it not use as the unit know Im XXXX 4- Citi informed me that a new card was issue and the bill for the new card was sent to the new card for which I was never registered. As a result I would never receive any invoice nor any notifications of any statement regarding a bill. 
5- My unit representative, which is the program manager, never send me any notifications of an invoice of {$29.00} which was not paid, which was being billed to a non-registered card and a physical billing statement being sent to an address where no one would see as I am currently XXXX 6- I have always paid my bill in full. A matter fact Citi has once issue me a refund of {$600.00} for overpaying an invoice. This just to show that I was never aware of this invoice.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-21 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: FL

Complaint narrative:
XX/XX/2018. My name is XXXX XXXX. I am writing this message in regards to more than several different accounts and inquiries your company is reporting inaccurately. I am disputing these accounts and inquiries as an internal dispute and as fraudulent accounts which you have 3-5 days to correct and remove permanently. I am unaware of the accounts and inquiries youve listed on my credit profile. I demand that theyre removed in less than 72 hours. I have attached a letter down below.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
I have sent a letter to them a long time ago and I do not see results, I'm still in the same place where I started. It's not the first time, I still with the same information inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NE

Complaint narrative:
I have sent a letter to them a long time ago and I do not see results, I'm still in the same place where I started. It's not the first time, I still with the same information inaccurate.

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 2018-02-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
To whom it may concern, On XX/XX/2017 I paid off my credit card for the amount of {$680.00}. At the time the payment was going through my personal checking account was compromised with fraudulent activity. I didnt realize til a couple days had passed so I ended up closing my checking account. So thinking that the credit card was at a {$0.00} balance i was using my credit card for online purchases. Then the payment was returned. But they kept trying to debit my account the same amount. Since the checking account was closed i kept getting charged a {$25.00} return fee. So i ended up having to owe the {$680.00} plus what i had spent on online purchases, a total of {$1300.00}.

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 2018-02-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
My three year Nissan lease expires next month. I have been informed by Nissan NMAC that I must pay : - {$390.00} for a Disposition Fee - {$230.00} Excess wear for three small scratches ( two are on the hubcaps ) The Disposition fee was never disclosed while at the dealership when I signed the lease.

The fee for three small scratches is exhorbitent. It is impossible to drive a car in the XXXX XXXX for three years and not get a scratch on it.

These hidden fees are abusive. Attached is the correspondance I have had with Nissan NMAc to resolve this matter. I would welcome any assistance you can provide me. 

Thanks, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21 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: PA

Complaint narrative:
Identity theft fruadulent account under my name i did not apply or open this account XXXX XXXX XXXX   and trust Open XX/XX/15 Amount XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21 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: FL

Complaint narrative:
XX/XX/2018. My name is XXXX XXXX. I am writing this message in regards to more than several different accounts and inquiries your company is reporting inaccurately. I am disputing these accounts and inquiries as an internal dispute and as fraudulent accounts which you have 3-5 days to correct and remove permanently. I am unaware of the accounts and inquiries youve listed on my credit profile. I demand that theyre removed in less than 72 hours. I have attached a letter down below.

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 2018-02-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Case Number XXXX RE : PAYPAL XXXX Transaction Date : XX/XX/2017 Disputed Amount : {$460.00} XXXX XXXX has closed my dispute case and refused to credit my account for a purchase that was knowingly fraudulent/dishonest by the seller. As evidenced in the attachments submitted, the merchant agreed that the seller was to issue a refund - however, the seller refused and I was never even given an opportunity to return the item ( see XXXX Item/Sale pages ). In the end, the item also turned out to be defective ( see XXXX letter of second opinion ). The evidence was submitted during the initial dispute entry ; XXXX XXXX dragged their feet on the matter and stated not enough evidence was provided in a timely manner, which is false and completely unacceptable. Please review as this is my final attempt to make things right. If a resolution ( in the form of a refund ) is made, my wife and I will be eliminating use of all of our XXXX XXXX cards, closing our Money Market account and transferring our funds to our credit union account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21 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: PA

Complaint narrative:
Identity theft fruadulent account under my name i did not apply or open this account XXXX XXXX XXXX XXXX XXXX  Open XX/XX/15 Amount 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 2018-02-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: HI

Complaint narrative:
XX/XX/XXXX : I mailed the proper Roundpoint ( RP ) form to request having my PMI ( Private Mortgage Insurance ) removed. I spoke with RP and they contacted a local appraiser here in Hawaii. 
XX/XX/XXXX : The appraisal was done. 
XX/XX/XXXX : Spoke to XXXX at RP ; I hadn't heard from RP, so called them. I was told over the phone : " it is in process, someone will contact you soon. '' I asked how I would be contacted- RP said via my cell or email or a letter. 
XX/XX/XXXX : I phoned the local appraiser to see if the delay was on their part- it was not. The appraiser had the report ready to submit when someone from RP had called them and " cancelled '' the appraisal. 
I phoned RP and spoke with XXXX. I wanted to find out why the appraisal was cancelled. I was told there was a note on my file that said : " unable to make contact with homeowner, so cancelled. '' I never received a phone call, email or letter from RP. 
XXXX, the RP person said she would initiate the paper to " re-instate '' the appraisal, and that someone would be contacting the appraiser and asking them to submit it. I was told someone would make contact with me in 48-72 hrs. 
XX/XX/XXXX : Phoned RP and spoke with XXXX. AGAIN, I was told she could see all the notes on my file and she didn't understand why it had not gone through yet. While she was on the phone with me she said she was typing the request to get the appraisal that was done on XX/XX/XXXX submitted to RP. AGAIN, I was told someone from RP would contact me in 48-72 hrs with an update. 
XX/XX/XXXX : I phoned RP and spoke with XXXX. She was nice, sounded young, could see all the notes on my file, but couldn't answer why the request was in limbo, and why the appraisal report was not " uploaded '' to my file yet. I asked to speak with the person responsible for reviewing my PMI-removal request. I was told that person was " not at her desk ''. I asked XXXX to leave her a msg- she said she would. I next asked to speak to a supervisor ; I was nice about it- told XXXX I wasn't mad at her, but at the treatment RP was giving me. XXXX 's supervisor 's name is XXXX and XXXX said he, also, was not at his desk so she couldn't transfer me. I asked her to leave XXXX a message that I would like a phone call from him within 24 hrs. I also asked XXXX to put into my file that I was going to contact CFPB. 
Hopefully you can help me. I am retired and the PMI amount would help me monthly. I have done my due diligence and my house has gone up enough in the past 15 mos, so that shouldn't be an issue. 
Thank you for your time.

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 2018-02-21 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: FL

Complaint narrative:
I am in total disgust, distressed and livid at the fact that your company is reporting an error on my credit file. Ive sent 10 certified letters in for this account alone. I believe that this account is reporting fraudulently whether your company is placing it or whomever. This is my final letter to remove this account off of my credit file immediately and permanently. I am allowing 72 hours for the investigation of this account, and I am demanding that this error/fraudulent account is removed. I will be following up within a few days. I have attached a few documents. After your response I will be taking legal actions upon your company for placing errors on my account. I am a victim of identity theft and my file has been tampered with. Your company is the reason for weird accounts reporting on my credit 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 2018-02-21 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: NY

Complaint narrative:
over the past 6 months I noticed 2 accounts reporting on my credit reports that are mistakenly reporting ... I contacted equifax over the phone on numerous occasions and every time I call them I get a operator who cant speak english and each time they refuse to let me speak to an american ... I was told I could go online and dispute them and each time I go online it says my information doesnt match their system

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: AZ

Complaint narrative:
My name is XXXX XXXX. I resided in an apartment complex called XXXX XXXX in XXXX XXXX Arizona. Address is XXXX XXXX XXXX  XXXX XXXX. XXXX, AZ XXXX. I rented from XX/XX/XXXX to XX/XX/XXXX in apartment XXXX and finished the lease. We did a walkout inspection with a management employee and he claimed there were red floor stains on the vinyl, which is not true. I have taken video and photographs with a newspaper for the date and time to prove it. The apartment management refuses to acknowledge this. I also sent letters requesting information about the charges, what company they hired to fix the floor, or when the work was done. When I approached management again, I asked for a receipt to prove the repairs they made, but they could not provide it and claimed they had no such receipt in their files to even prove they did the work on the floor. Also, before my family moved into the apartment, the floors were heavily scuffed, discolored, and damaged and we notated that with our move-in inspection. The apartment also did not notify me of their intent to send me notification of forwarding this claim to creditors. With counseling, I sent written letters to the apartment and even sent certified mail with no response. The mark on my credit is still on current reports. My wife also filed a complaint to consumer finance back in XX/XX/XXXX to look into this matter and was able to have this negative mark removed from her credit, but XXXX still has not taken it off mine. 

The debt collection service is called XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the representative is XXXX XXXX.The dollar amount they are attempting to collect is {$120.00} and {$18.00} of that amount was interest unless the numbers changed recently.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21 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: AK

Complaint narrative:
Transunion and the company in question failed to truthfully validate an account, it was removed from credit report. However the account was reinserted without the required 5 day notification per law. My consumer rights have been violated and Im given the opportunity to file suit against Transunion unless the account in question gets taken back off my credit report. 
Account : XXXX XXXX  ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

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 2018-02-21 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: FL

Complaint narrative:
I am in total disgust, distressed and livid at the fact that your company is reporting an error on my credit file. Ive sent 10 certified letters in for this account alone. I believe that this account is reporting fraudulently whether your company is placing it or whomever. This is my final letter to remove this account off of my credit file immediately and permanently. I am allowing 72 hours for the investigation of this account, and I am demanding that this error/fraudulent account is removed. I will be following up within a few days. I have attached a few documents. After your response I will be taking legal actions upon your company for placing errors on my account. I am a victim of identity theft and my file has been tampered with. Your company is the reason for weird accounts reporting on my credit file.

Company response to consumer: Closed with explanation