vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-29 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:
ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX/XXXX   XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/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 2019-05-29 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:
ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 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: NJ

Complaint narrative:
I have disputed the late payments on the stated accounts. The credit bureaus refused to reverse the late payments..I don't understand how they have verified this..Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous claim that has affected my credit score tremendously..CFPB please step up and fix this 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

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 2019-05-29 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: NJ

Complaint narrative:
I have disputed the late payments on the stated accounts. The credit bureaus refused to reverse the late payments..I don't understand how they have verified this..Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous claim that has affected my credit score tremendously..CFPB please step up and fix this ASAP XXXX XXXX, XXXX XXXX, CXXXX/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

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 2019-05-29 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: NJ

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: WESTERN UNION COMPANY, THE
State: LA

Complaint narrative:
XX/XX/2019 Money order # 1 amount : XXXX Money order # 2 amount : XXXX Company : Western Union money transfer I tried contacting customer service they didnt help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Marauder Corporation
State: GA

Complaint narrative:
Nationwide XXXX XXXX reported doctor bills on credit report that a haven't received any letters or phone calls of this debt I don't now if these are my bills National XXXX XXXX is a third party that bought these supposedly dept from the original creditor I don't old them nothing by law nothing have been validated the amounts are XXXX dollars, XXXX dollars, XXXX dollars, XXXX dollars, XXXX dollars, XXXX dollars

Company response to consumer: Untimely response
Consumer complaint received 2019-05-29 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: NJ

Complaint narrative:
Why is this on my credit report i cant locate it..based on my research, XXXX sold this information to the credit bureaus, Reporting public records when courts itself do not furnish any of this information! This is illegal so remove it or verify it with the court system. 
CHAPTER XXXX BANKRUPTCY : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
SOMEONE STOLE MY IDENTITY AND STOLE MONEY FROM MY ACCOUNT WITHOUT MY AUTHORIZATION. THE BANK WILL NOT PUT THE MONEY BACK EVEN THOUGH THEY KNOW IT WAS NOT ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Harley Davidson Financial Services Inc
State: GA

Complaint narrative:
I called Harley Davidson Credit on XX/XX/2019 to inquire why my XX/XX/XXXX payment had not been processed yet. The person I spoke with could not even tell me if they had received it yet. Receiving no help in this area, I then asked about a late charge of {$66.00} on a payment of {$1000.00} credited on XX/XX/2019 for a {$540.00} payment due on XX/XX/2019 which included a {$46.00} late fee. She said she could not credit the charge back to the account because in the past payments had been made late. I told her it was unfair to charge a late fee on a payment that was not late. Also this payment brought all principal, interest and fees current before XX/XX/2019. Also billing statements do not describe how and when late fees are assessed or how much is owed on the account. I would appreciate any help you can give me in recovering my {$66.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
Complaint is in regard to a mortgage originated in XX/XX/2015 for a single-family, owner-occupied home in California. I think we are eligible to request cancelation of our PMI because our home has risen in value since our purchase, however I received a response that indicates we have not met " the seasoning requirement, '' which appears to be two years. Note : we have resided in the property since the loan 's origination in 2015. 

This home is in California, therefore it appears we should be eligible for relief based on Cal CC 2954.7. I have also directed my issue the California Department of Business Oversight Please advise if I am not reading the statute correctly. 

Thank you.

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 2019-05-29 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: NJ

Complaint narrative:
Why is this on my credit report i cant locate it..based on my research, XXXX sold this information to the credit bureaus, Reporting public records when courts itself do not furnish any of this information! This is illegal so remove it or verify it with the court system. 
CHAPTER XXXX BANKRUPTCY : 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 2019-05-29 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: NJ

Complaint narrative:
Why is this on my credit report i cant locate it..based on my research, XXXX sold this information to the credit bureaus, Reporting public records when courts itself do not furnish any of this information! This is illegal so remove it or verify it with the court system. 
CHAPTER XXXX BANKRUPTCY : 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 2019-05-29 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: Webcollex, LLC
State: CA

Complaint narrative:
I had an account with a company called XXXX XXXX XXXX that was ultimately charged off and sold to CKS Financial/ XXXX XXXX. I have paid the amount off in full to the CKS Financial/XXXX  XXXX  in XX/XX/2018 and they have yet to report it to any of the credit bureaus as I was told by them that they would. To date neither XXXX XXXX XXXX nor CKS Financial/XXXX  XXXX have changed the status of my account in none of the three credit bureaus and again the account has been paid in full for over six months.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Accounts have been added to my credit report I believe to be a result of fraud. These accounts are unauthorized and unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Accounts have been added to my credit report I believe to be a result of fraud. These accounts are unauthorized and unverified.

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 2019-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Accounts have been added to my credit report I believe to be a result of fraud. These accounts are unauthorized and unverified.

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 2019-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Experian : In order to get a " Free '' credit report OR to submit a dispute, I must create an account and accept the following terms with XXXX ( XXXX XXXX XXXXs ) : Allow them to - Notify me of credit opportunities and advertisements. 
Allow them to - Notify me of products and services made available through XXXX Allow them to - Obtain my credit score on a recurring basis. 

We should not be forced to accept these terms to view a free report or to dispute inaccuracies.

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 2019-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Citi bank closed my checking account on XX/XX/2019, without send me a notification first and they told me once all the transaction is completed from pending then they will process closure my bank checking account and will issue me a cashier check for my remain money from my checking account, and all transaction completed at the same day XX/XX/XXXX and they still haven't mail me out the cashier check and i'm still waiting for it, i got all my money in it. so i called them today and asked them if they closed my account today and mail me out the cashier check i supposed to get from last week and they told me no and i asked them when are they going to closed my account? and they told me there's no time frame for it. so they are holding all my money and i could't get access to it at all.

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 2019-05-29 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: KS

Complaint narrative:
showing inaccurate information not known to me best of my knowledge

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 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: NV

Complaint narrative:
I have disputed the late payments on the stated accounts. The credit bureaus refused to reverse the late payments..I don't understand how they have verified this..Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous claim that has affected my credit score tremendously..CFPB please step up and fix this ASAP XXXX XXXX XXXX XXXX, XXXX ( Original Creditor XXXX 11 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 non-monetary relief
Consumer complaint received 2019-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I signed up for the TransUnion online credit report website at XXXX of XXXX for a one month trial and they were enable to give me information about my credit score. They took my debit card information and my social security number. I thought that my membership cancellation was already done by XX/XX/XXXX of XXXX but I just realized that they took a {$19.00} monthly fee of my debit card without even telling me since XX/XX/XXXX of XXXX. They keep sending me emails about the credit score service several times ( spam ). 
I tried to cancel my membership for good but TransUnion doesn't have that option on their website so I called several times to the phone number display for cancellations but nobody picked up. They really make it difficult to end the business agreement with costumers.

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 2019-05-29 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: KS

Complaint narrative:
showing inaccurate information not known to me best of my knowledge

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 2019-05-29 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: AES/PHEAA
State: KS

Complaint narrative:
showing inaccurate information not known to me best of my knowledge

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Name XXXX XXXX Email XXXX last 4 digits ss # XXXX My card has been lost for awhile sent email to American Express no reply

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
I had a XXXX XXXX store card thru Comenity. Earlier this year I paid off the balance. Just this past month they closed my account. They reason was initially for inactivity and then poor credit. They keep closing and/or lowering my credit limit which causes the score to go lower. I am also responsible for a low score. But all they are doing is making it worse.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
On XX/XX/XXXX, our closing disclosure with NFCU stated an estimated escrow monthly payment of XXXX. this amount was based off previous years tax payments, which were based off a significantly lower property value ( {$220000.00} ) under the previous owner. We purchased the home for {$440000.00}, and our taxes should have been estimated based off that purchase price. Instead, they were based off a much lower amount. Our escrow payment was {$520.00}, when it should have been {$720.00} all along. 

On XXXX XX/XX/XXXX, we received notice of the change. Not only will our new escrow payment be {$720.00}, an already large increase of {$190.00}, but we are also expected to pay an additional {$3200.00} either up-front or spread out over 12 months. While I appreciate the option to spread out the payment, I don't think we should be held responsible for NFCU 's clerical error or miscalculation. Had the taxes been estimated based off our purchase price, we would have had the same payment all along with no need for increase. I believe the {$3200.00} should be absorbed by NFCU, as the error is due to their miscalculation.

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