vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I called the company on XX/XX/XXXX after seeing them report deroggatory on my credit report to see who they were and why were they reporting {$25.00}. the representative told me that the company had contacted me. When I questioned him as to when and who did I talk to his resonsed ; that we called you but company policy prevents us from leaving a message. If you call a person and do not let them know you are calling that is not a contact. Since that conversation Trans world Sys Inc /XXXX - ( XXXX ) XXXX has once again reported to the credit bureaus numerous in the Month of XXXX ( XX/XX/XXXX and XX/XX/XXXX ). I am not clear as to what this company is doing and hope that consumers can be protected from them. Additionally, I did not receive any correspondence from this alleged debtor. 

Can anyone just drive your FICO down on a wim? Is there any request through anyone

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CNG FINANCIAL CORPORATION
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 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: EQUIFAX, INC.
State: MO

Complaint narrative:
My XXXX XXXX was current before I was in prison. However, when I was in prison my XXXX XXXX   case was closed. I was not receiving income. How I am ordered to pay XXXX XXXX why I am in XXXX? Missouri XXXX XXXX  XXXX was fully aware of this. I was not responsible for paying XXXX XXXX   why I was in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: ME

Complaint narrative:
My loan was transferred to Shellpoint as of XX/XX/19. The payment I made on XX/XX/19 to my old servicer has not posted on Shellpoint 's account. I have confirmed with my old servicer that they have received the payment and transfered it to Shellpoint on XX/XX/19. I have also sent Shellpoint several items proving that I made the XX/XX/19 payment, but they refuse to post the payment until they complete all of their research, which they say can take up to 60 days. In the meantime, they will not allow me to make my next payment ( XX/XX/19 ) and are showing my account as past due ( the first contact I ever received from the company after taking over my account was a collections call ). I was told that I can make another XXXX payment if I want and they will credit it when they finally update my account - which is a ridiculous ask.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 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: IN

Complaint narrative:
To Whom It May Concern : Report Number : XXXX XXXX XXXX XXXX : Account Number XXXX**** This in response to a dispute I sent experian that opened an account dispute XX/XX/XXXX. This results of this dispute stated the account was updated, but nothing in the account information updated. This account continues to report inaccurately and illegally. Experian shows date last reported as XX/XX/XXXX. How can this be when I disputed this account XX/XX/XXXX. This means no re-investigation was done, you are also refusing to remove this fradulent account. This has not been legally verified and because Experian continues to report it this is a FCRA violation. 


Inaccuracy # 1 Date of Last Payment Experian shows a date of last payment as XX/XX/XXXX XXXX shows date of last payment as XX/XX/XXXX Inaccuray # 2 Date Last Active Experian shows a date last active as XX/XX/XXXX XXXX shows date of last active as XX/XX/XXXX FCRA violation : Experian shows date last active as XX/XX/XXXX, but Experian also shows Date of last payment as XX/XX/XXXX. How, When a late payment is considered activity for an account? 

Experian and XXXX both report inaccurate high balance : Experian shows : {$11000.00} Equifax shows : {$11000.00} XXXX XXXX Explanation of Calculation of Surplus or Deficiency : shows {$12000.00} If XXXX and XXXX  are getting the same information from the same creditor, then why does this account show inconsistent information? 

I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. Please send me the documents that prove Inaccuracy # 1 & inaccuracy # 2 are reporting correctly. Because of this obvious neglect in ensuring everything on my report is accurate, consistent and up to date please DELETE this account immediately. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. 




Documents enclosed are as follows : I have enclosed a notice I received from XXXX XXXX which shows the high balance for Experian and XXXX reports is inaccurate. Please see XXXX XXXX XXXX - Explanation of Calculation of surplus or deficiency Aggregate unpaid balance of agreement as of XX/XX/XXXX - {$12000.00} This is what XXXX XXXX documents show is the accurate high balance. 

I have enclosed a screenshot of this account for you to view. Please see Date last reported, Date of last Payment, Date Last Active.

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 2019-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
On XXXX I emailed XXXX XXXX, CEO XXXX XXXX, Operations Director ; XXXX XXXX, XXXX XXXX, President, XXXX XXXX XXXXs and XXXX XXXX, Chief Global Operations Offices informing them that my FCRA rights has been violated. I have requested on several occasions that Equifax investigate my credit report because they are incorrectly reporting that my account with XXXX XXXX is open and that I owe the creditor over {$60000.00}, which is not true. Each time I request an investigation Equifax sends me a response stating that my disputed item was verified. Also Equifax would not verify items I asked them to verify, for example I asked that they verify the " Status '' of the account they would verify and update the account " Status Date '' I've also repeatedly requested that they provide me with the method of verification, including the name and address of the contact person and I have never received the requested information. 

Shortly after I contacted XXXX XXXX, CEO I was contacted by a customer service rep from Equifax during our conversation she asked that I provide her with the name and contact information of the XXXX XXXX XXXX that helped me so that she can verify my account ; that statement from her seems to be clear evidence that Equifax has not investigated my account. I do not understand why I am being asked to provide your company with verification documentation? Especially after not being afforded the same courtesy after my several request.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 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: ID

Complaint narrative:
Experian and XXXX are reporting incorrectly collections on the following : XXXX XXXX XXXX/XXXX XXXX XXXX, Account number XXXX, Amount Due : {$4900.00} XXXX XXXX XXXX Account number XXXX, Amount Due : {$1100.00} XXXX XXXX XXXX/XXXX XXXX XXXX, Account number XXXX, Amount Due : {$720.00} XXXX XXXX XXXX, Account number XXXX, Amount Due : {$330.00} ( Please see pages 3, 4, and 5 of the attached credit report. ) I have also attached a copy of the NOTICE OF DEBT from XXXX XXXX dated XX/XX/2019. This bill is not only incorrect, it was sent to a family Members address, but has my name listed. This is a complete violation of HIPPA. In addition, this attempt to collect these debts are completely bogus. I have now, and have had in the past, medical insurance coverage. There was never a gap in my insurance. This is clearly a billing issue and is not my fault that the medical facilities never billed correctly. I did not incur these outstanding balances, nor do I owe these outstanding balances. This incorrect reporting of collections is harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove these items however, I have not been successful.

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 2019-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I submitted previous disputes with XXXX with in correct information pertaining to 2 accounts : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX with inaccurate dates open of account, account status, date of last activity after account was closed for more than 3 years and XXXX refuses to conduct proper investigation. I have enclosed more than 2 credit reports and 2 letters to XXXX to request investigaiton to have accounts removed due to not being 100 percent accurate and failure to reinvestigate.

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 2019-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
In 2017 we contracted with XXXX to replace our roof. We paid with our Citi Card. The work was not done correctly and we filed a dispute with the Citi trying to get XXXX to correct the problems. We originally received a credit for our dispute and that was later cancelled and we were billed again. We contacted Citi and had a dispute manage helping us. She agreed that XXXX needed to correct the problems and were again given a credit on the account. After years of contacted XXXX and getting inspections from an in depended contractor to document the problems XXXX agreed to correct the problem. I the mean time Citi started to send us bills and demand payment before the work was completed. After numerous calls to Citi we agreed to a payment and Citi was told to cancel the card. Citi did not cancel the card and we were billed a membership fee even after the card was supposed to be canceled. We started to get a call all in XXXX except for my name and Citi card. I do not speak or understand XXXX so I assumed this was a scam call. I finally called Citi Card and was transferred three times and was told would continue to get calls. I told the rep that I would be filing a complaint and on XX/XX/XXXX I received a letter telling me my calls would stop but they would be reporting to a credit reporting agency that the account is delinquent. This is not acceptable.

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 2019-08-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ACS Education Services
State: NY

Complaint narrative:
I requested a XXXX XXXX request for forgiveness of my loan in XX/XX/XXXX. It was not approved until XX/XX/XXXX, in which they are now today telling me requesting additional information. I asked for the history of the loan to verify that I had 3 loans with them. I am only aware of 1 loan. They are telling me it was back in 1XX/XX/XXXX and XX/XX/XXXX. 

I am disputing the validity of the actual amount and the handling of this loan with this company. I would like a thorough review. Because this is harming my chances to obtain housing since I have been displaced without work since my injuries.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 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: ID

Complaint narrative:
XXXX and Transunion are reporting incorrectly collections on the following : XXXX XXXX XXXX/XXXX XXXX XXXX, Account number XXXX, Amount Due : {$4900.00} XXXX XXXX XXXX, Account number XXXX, Amount Due : {$1100.00} XXXX XXXX XXXX/XXXX XXXX XXXX, Account number XXXX, Amount Due : {$720.00} XXXX XXXX XXXX, Account number XXXX, Amount Due : {$330.00} ( Please see pages 3, 4, and 5 of the attached credit report. ) I have also attached a copy of the NOTICE OF DEBT from XXXX XXXX dated XX/XX/2019. This bill is not only incorrect, it was sent to a family Members address, but has my name listed. This is a complete violation of HIPPA. In addition, this attempt to collect these debts are completely bogus. I have now, and have had in the past, medical insurance coverage. There was never a gap in my insurance. This is clearly a billing issue and is not my fault that the medical facilities never billed correctly. I did not incur these outstanding balances, nor do I owe these outstanding balances. This incorrect reporting of collections is harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove these items however, I have not been successful.

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 2019-08-27 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA

Complaint narrative:
Have power of attorney, faxed modifcation and loan assumption and loan see paperwwork! Finally i get mail, not sure why a sale put if all paperwork in, call and goes to voice mail and CAN NOT get to another REP! WHY should be albe to talk to someone! My cousin XXXX at XXXX has authorization and been helping me! SOMONE PICK UP PHONE and have sent three different packages!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Atlantic Credit & Finance, Inc.
State: VA

Complaint narrative:
The company is Atlantic Finance and Credit based out of XXXX, Virginia. I try to call and pay what I owe and they are clearly dodging my phone calls. I was finally answered by someone and transferred to a voice mail after hours of calling. They will not call me back and continue to charge my bank account {$22.00}. They have hundreds of reviews online about them not contacting consumers or being extremely rude when someone finally males contact. They are being extremely shady and unprofessional and I want my debt paid so I can remove them from my credit report and my livelihood.

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 2019-08-27 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: MO

Complaint narrative:
My XXXX XXXX was current before I was in XXXX. However, when I was in XXXX my XXXX XXXX case was closed. I was not receiving income. How I am ordered to pay XXXX XXXX why I am in XXXX? Missouri XXXX XXXX XXXX was fully aware of this. I was not responsible for paying XXXX XXXX why I was in 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 2019-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
My XXXX XXXX was current before I was in XXXX. However, when I was in XXXX my XXXX XXXX case was closed. I was not receiving income. How I am ordered to pay XXXX   XXXX why I am in XXXX? XXXX XXXX XXXX XXXX was fully aware of this. I was not responsible for paying XXXX XXXX   why I was in 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 2019-08-27 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: PA

Complaint narrative:
I paid a {$2500.00} deposit for a new swimming pool liner ( installed ) with a Citi Bank Master Card. The liner was to be finished in 3 weeks. XX/XX/2019 After 2 months, the liner was not even made. I asked for a refund and the vendor said he did not have my money. I disputed the charge with Citi Bank, who sent me periodic e-mails stating they were investigating my dispute. Finally, they said the vendor told them he had completed the work, so without checking with me, they closed the dispute. I got a signed letter from another pool service stating the work was never done and re-opened the dispute. Citi Bank now says too much time has gone by, and they can not help me. It was Citi Bank that wasted all the 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 monetary relief
Consumer complaint received 2019-08-27 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL

Complaint narrative:
Rushmore Loan Servicing appears to be RED LINING for the XXXX XXXX, Florida and XXXX area. We believe that the servicer has a high very percentage denying loan modifications for the XXXX part of XXXX Florida and should be investigated by the Florida Financial Regulator as well as other agencies. The company ( Rushmore ) will always find an excuse to deny ANY LOAN MODIFICATION for the XXXX part of XXXX, Florida. We have come across other homeowners in the same situation where Rushmore have denied the loan modification. 

In this particular case Rushmore have denied the loan modification request claiming that a complete loan modification package was not received within the Florida guidelines, which is 7 days prior to the schedule sale date. The company have denied the request in bad faith. The denial letter is dated XX/XX/2019, we spoke to a Rushmore representative on the same day and he stated that we had until Saturday to submit the rest of the additional documents needed. The initial application was submitted on XX/XX/2019, and the servicer called very next day to request additional document which were furnished on XX/XX/2019. See attached herein. Per Treasury guidelines a servicer must provide a letter to the homeowner requesting additional document and allowing 30 days for the homeowner to comply. This is not what transpired, instead a representative called the next day after receiving our request and giving just three days to comply on which we did and it was denied anyways. Servicer could not be more hypocritical for lack of better words. This company has engaged in Floridas deceptive business practices and should be investigated by the Florida Attorney General. 

The Consumer Financial Protection Bureau should notice that on the same day the letter is dated, the servicer spoke to us and requested additional documents giving until Saturday to provide on which we did. See attached proof herein. The servicer is acting bad faith. 

All loss mitigation process or protocol are subject to the Treasury guidelines. The Servicer is correct in that a loss mitigation package must be sent within the seven day before a  schedule sale date, see MHA Handbook 3.3. However, our property has a sale date of XX/XX/2019, and if you can count days we are beyond the seven day mark therefore within the guidelines to be considered for a loan modification review.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capital Accounts, LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Is attempting to collect on a debt I do not owe. This debt has been paid. Also, I did not receive any notifications about this debt, no phone calls, and no letters. I only knew about this debt because I checked my credit. This is a violation of my 30 day right to dispute per the FCRA. As soon as I found out about this debt, I called and paid. This account needs to be removed off of my credit file for " 30 day right to dispute '' Violation. This was a medical debt and also violating HIPPA Policies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 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: FL

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

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