vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-26 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: GA

Complaint narrative:
I was advised to contact you regarding some items on my credit that are not mine. I'm really trying to purchase a family home and this has been holding me up as I didnt know how to approach it at first. I have contacted the FTC and the police here. Please have these items removed from my credit. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and 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 non-monetary relief
Consumer complaint received 2019-03-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
My complaint is against Barclays bank. What happen here is that Barclays bank is reporting a 30-day late payment this happen in XX/XX/XXXX-XX/XX/2019. The 30-day late payment is for annual fee which I was not aware I had to pay. Months back we tried to use the C.C and it did not work therefore I assumed that the account was closed. I was aware of this incident because I was informed my mortgage company telling me that I was no longer approved for a $ XXXX home loan, which is to close next week. Otherwise I will lose my {$10000.00} deposit for the property.

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 2019-03-26 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: GA

Complaint narrative:
I was advised to contact you regarding some items on my credit that are not mine. I'm really trying to purchase a family home and this has been holding me up as I didnt know how to approach it at first. I have contacted the FTC and the police here. Please have these items removed from my credit. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX and 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 2019-03-26 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: GA

Complaint narrative:
I was advised to contact you regarding some items on my credit that are not mine. I'm really trying to purchase a family home and this has been holding me up as I didnt know how to approach it at first. I have contacted the FTC and the police here. Please have these items removed from my credit. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-26 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
I am the mother of a student paying off one of the student loans. I have an auto pay set up to pay monthly. Apparently, the minimum was raised without notifying me. Received a notice today that I was XXXX cents short, so they were going to charge me a {$28.00} late fee. 
Its bad enough that XXXX over charged for education and then dissolved. My son hasnt been able to get help with any of his school loans.

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 2019-03-26 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: FL

Complaint narrative:
This account is still reporting 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 2019-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: AZ

Complaint narrative:
I received an escrow refund from Mr. Cooper in XXXX that was sent to my previous mailing address at XXXX XXXX XXXX XXXX. I have not been there in a year and was lucky enough to have my mail still forwarded. I also receive Marketing materials sent to my previous mailing address however receive my bill at my current mailing address. 

I have two mortgage loans with Mr. Cooper and due to this error requesting a list of all escrow refunds for my account in the last 13 years and a confirmation that the checks have been cashed by me. I have moved at least 7 times in the last 13 years. 

Account XXXX Account XXXX Additionally called today XX/XX/2019 to inquire on why I have an overdue payment amount is due in the amount of XXXX on account XXXX and they stated it had to do with an escrow payment that is due. I want an explanation on why I received an escrow refund and then I owe you for additional escrows. I waited an hour to speak to a representative and she had the nerve to ask if I wanted to be transferred to the escrow department. I said absolutely not, you can answer to the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 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: MA

Complaint narrative:
Basically, since XXXX with Transunion I have been asking them to place back my XXXX XXXX XXXX account for a vehicle loan I have had since XX/XX/XXXX. At one time I did merely and simply dispute the balance because it was inaccurate. My balance had not been updated at that point in over 3 months. So I disputed it, because the balance was inaccurate. Then approximately XX/XX/XXXX, rather than update the balance they removed the account entirely. Now due to them, my credit score is down anywhere between 80-100 points if not more ... I merely want the account added back to my credit report as it reflects my good payment history and with the correct balance information. The account shows correctly with XXXX  and XXXX. I have reached out directly to Transunion via phone, and even mailed in my payment history to them directly from XXXX  from a while back at least within the last 6 months .... and they keep giving me the run around AFTER confirming they have my payment history, hard copies, and still will NOT place my account back to my credit report. Each time I have contacted XXXX XXXX XXXX, they keep telling me the issue lies with Transunion.

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 2019-03-26 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: Innovis
State: TX

Complaint narrative:
An affidavit was sent via USPS certified mail to Innovis XX/XX/2019. 
Innovis received this affidavit on XX/XX/2019. 

Innovis was provided factual information about errors reporting on my credit report. In this affidavit **that will

be attached** Innovis was asked to report all inaccurate and incomplete information.
According to federal law, a numbered affidavit must be answered with in 30 days of reception each number point. 

In this affidavit there were a total of 14 points. Only 1 was responded to, number 13 where Innovis deleted all incorrect addresses but Innovis has not reponded to point XX/XX/XXXX.XX/XX/XXXX.XX/XX/XXXX.XX/XX/XXXX.XX/XX/XXXX.XX/XX/XXXX.XX/XX/XXXX.XX/XX/XXXX.XX/XX/XXXX.XX/XX/XXXX.XX/XX/XXXX.XX/XX/XXXX. or XX/XX/XXXX. While Innovis is technically not in default until XX/XX/2019 I am sending this complaint due to the fact that Innovis said that they concluded their investigation. 

This is a violation as they have ignored my dispute. ** The Innovis statement will be attached. ** Per my original affidavit, Innovis has until XX/XX/2019 to correct the listed issues or respond under oath with fact as to why they believe the information is factual. 

I will bring this matter to court if this information is not corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 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: CORELOGIC INC
State: IL

Complaint narrative:
UNAUTHORIZED INQUIRY

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 2019-03-26 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: Santander Consumer USA Holdings Inc.
State: MA

Complaint narrative:
Basically, since XXXX with XXXX  I have been asking them to place back my Santander Consumer USA account for a vehicle loan I have had since XX/XX/XXXX. At one time I did merely and simply dispute the balance because it was inaccurate. My balance had not been updated at that point in over 3 months. So I disputed it, because the balance was inaccurate. Then approximately XX/XX/XXXX, rather than update the balance they removed the account entirely. Now due to them, my credit score is down anywhere between 80-100 points if not more ... I merely want the account added back to my credit report as it reflects my good payment history and with the correct balance information. The account shows correctly with XXXX and XXXX. I have reached out directly to XXXX via phone, and even mailed in my payment history to them directly from Santander from a while back at least within the last 6 months .... and they keep giving me the run around AFTER confirming they have my payment history, hard copies, and still will NOT place my account back to my credit report. Each time I have contacted Santander Consumer USA, they keep telling me the issue lies with XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-26 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: TRANSWORLD SYSTEMS INC
State: IN

Complaint narrative:
I have XXXX XXXX XXXX loan XXXX. I have no way to contact them directly and wonder if the statute of limitations has expired. I can not get a response from them. I don't know if I am part of the XXXX   lawsuit but they are now trying to sue me, they've filed a civil complaint against me. The loan is from 2007.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 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: GA

Complaint narrative:
I was advised to contact this agency. I'm so embarrassed and upset because I checked my credit report because I'm looking for a new home. I see multiple items on my credit report that are not mine. These items need to be removed asap. XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX   , XXXX XXXX, XXXX/XXXX XXXX, XXXX/XXXX. XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX/XXXX, XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX , XXXX/XXXX, XXXX. Chapter XXXX Bankruptcy. I have reached out to the FTC and my local police.

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 2019-03-26 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: CITIBANK, N.A.
State: HI

Complaint narrative:
The number for our Billing Disputes team is ( XXXX ) XXXX ( TTY/TDD : XXXX ) This department is available Monday-Friday XXXX EST and Saturday-Sunday XXXX EST. 

XX/XX/XXXX purchase made from vendor XXXX XXXX XXXX XXXX XXXX for {$500.00} XX/XX/XXXX dispute filed with Citibank for purchase because I was unable to contact the furniture company and had not received my furniture yet ; XX/XX/XXXX dispute cancelled because my order was pending to arrive. 
XX/XX/XXXX citibank closed dispute and returned funds to the vendor ; citibank is saying the funds were received on XX/XX/XXXX. 
XX/XX/XXXX I was supposed to get my furniture delivered but the vendor could only see the chargeback ; they could not see funds returned. I called citibank who confirmed that the funds were resent back on XX/XX/XXXX but said that the receiving back rejected the funds and they would manually resend ; could take 7-10 days. provided by citibank ARN # : spoke with citibank billing disputes ph : XXXX XX/XX/XXXX e-mailed valyou furniture ( XXXX - XXXX for update ; XXXX XXXX indicated their merchant services case was still pending XX/XX/XXXX received letter from citibank confirming that the funds were sent back to the vendor on XX/XX/XXXX ; forwarded to the vendor XX/XX/XXXX e-mailed valyou furniture for update ; XX/XX/XXXX valyou furniture indicated that their merchant services said chargebacks could take 60-90 days regardless if there is documentation from the credit card company ; suggested I continue with charge back to get my money back and then charge again for the furniture I ordered. 
XX/XX/XXXX spoke with citibank customer service and billing disputes who kept repeating that the issue is on the receiving side, but they could not call the receiving merchant services to confirm payment was received and i could not file another charge back since you are only given one " shot '' even though the intial chargeback was cancelled, and if i wanted to get my money back, I'd need to go to small claims court with the merchant to get my money back. 

Requested to escalate to a supervisor ; billing disputes person indicated that no supervisor is available and someone would call me back in 24 hours. 

In the meantime, citibank took my money back in XXXX which I paid off ; the vendor does not have their funds, and I do not have my furniture. Citibank will not resolve the issue with the receiving merchant ; started saying visa has different policies on how funds are returned ; myself and the vendor are stuck in the middle. 

I don't want to have to pay again for furniture I already paid for.

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 2019-03-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: MA

Complaint narrative:
HI - Please clarify the payment status, comments, balance and account number as they might be erroneous. Correct or delete them from my credit report altogether. 
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I sent Experian an affidavit of facts that was nortized by a public official. In this Affidavit Experian was asked to remove inaccurate names and addresses on my credit report. ***affiavit attached*** Experian willfully shows noncompliance as I have stated under oat this information is incorrect. 

Experian has stated that the information was only updated same information and did not delete. The addresses were deleted by other credit reporting agencies but Experian does not want to follow the law. 

This is my final attempt of getting this corrected or Experian will be meeting me in court. 

Report # 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 non-monetary relief
Consumer complaint received 2019-03-26 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: GA

Complaint narrative:
I was advised to contact this agency. I'm so embarrassed and upset because I checked my credit report because I'm looking for a new home. I see multiple items on my credit report that are not mine. These items need to be removed asap. XXXX, XXXX XXXX, XXXX XXXX  XXXX.XXXX XXXX , XXXX XXXX, XXXX XXXX, XXXX. XXXX. XXXX. XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX , XXXX NV XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX , 'XXXX, XXXX. Chapter XXXX Bankruptcy. I have reached out to the FTC and my local police.

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 2019-03-26 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: GA

Complaint narrative:
I was advised to contact this agency. I'm so embarrassed and upset because I checked my credit report because I'm looking for a new home. I see multiple items on my credit report that are not mine. These items need to be removed asap. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX. XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. Chapter XXXX Bankruptcy. I have reached out to the FTC and my local police.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-26 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: PA

Complaint narrative:
I disputed the same account on my credit file three times, because it was fraud due to identity theft. Someone has been using my credit on and off for over 7 years. Equifax investigated it but did not remove it, saying that it belongs to me, but did not give any reasons or any proof. There are no reasons, because under [ 15 U.S.C. 1681c-2 ] : (  A ) the information was not blocked in error and a block was not requested by the consumer in error ; ( B ) the information was not blocked, or requested to be blocked by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; ( C ) the consumer did not obtain possession of goods, services, or money as a result of the blocked transaction or transactions. 

I filed a complaint against them for not removing the account with the CFPB- COMPLAINT ID XXXX on XX/XX/2019. Equifax re-investigated the account, and just came with the same conclusion that it belongs to me. With no evidence or reason. I have had enough, and am ready to bring my own civil action against this company for violation of section 607 ( b ), if it is not removed within the next 14 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: MA

Complaint narrative:
Hi & good evening! - Please clarify the payment status, comments, balance and account number as they might be erroneous. Correct or delete them from my credit report altogether. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with explanation