vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-25 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: FL

Complaint narrative:
Dear sr First think you for your help and I wish the best news for you, for other reasons I have something very important for me to complete my information and my account for my future life and for my family, and I need you to help me and give me more information about my future life and my SSN information to claim my credit report and account bank. 


The second thing I try to contact the transunion and XXXX   and XXXX customer service and I was calling them several times to asking them to give me my credit report for my XXXX XXXX XXXX account and my XXXX XXXX credit card. 
but they never send it to me, I HAVE RECEIVED MY REPORT BUT I CAN'T UNDERSTAND ANY INFORMATION ABOUT IT ALSO I CAN'T FIND MY ATM CARD NUMBER Could you please help me sr and give me more information about my SSN INFORMATION FOR MY FUTURE LIFE AND MY ACCOUNT BANK AND MY XXXX XXXX ACCOUNT AND CREDIT CARD, PLEASE THANK YOU SO MUCH FOR YOUR SUPPORT I WISH THE BEST NEWS FOR YOU AND YOUR LIFE Best reagards 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 2019-10-25 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: FL

Complaint narrative:
Equfax and XXXX are reporting a Student Loan with the U.S. Department of Education. Both have received at least three disputes stating that the DOFL, Date Of First Delinquency is wrong and the correct date is 1999. As a consequence, the time for reporting this loan has came and gone. Equfax and XXXX are reaging this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25 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: CA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2019-10-25 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: CA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2019-10-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I'm having 3 issues with this card. 1 ) I recently changed my telephone number from XXXX XXXX to XXXX XXXX. I was not able to change it myself while logged into my account because the system asked to send a code to the old number to confirm my identify, so I contacted customer services, who changed it for me. 2 ) But I still need to edit my profile to change the misspelling of my name from XXXX XXXX XXXX, to XXXX XXXX XXXX. I tried to correct it myself, but the system is still asking to send a code to the old number, not the new number. I logged out and logged in again, and the same thing happens. The customer service rep says it's a problem for everyone and she has no idea when tech support will correct the issue. I explained to her that a name misspelled is a serious problem because it affects information provided to the credit bureaus. 3 ) I enrolled in e-statements in XX/XX/XXXX, when the bank changed from XXXX to Synchrony. As of today, there are no statements online for me to view. The same rep tells me that I have to wait until XX/XX/XXXX to view an online statement, and it will only be that month 's statement. The previous 3 statements won't be online because of the transition from one bank to another.

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 2019-10-25 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 — Problem with personal statement of dispute
Company: TekCollect Inc.
State: CA

Complaint narrative:
This occurred back in the spring of 2015, and I have no clue how to solve this situation with my previous school.during the spring I registered for some classes however I withdrew from those classes on time and I even went to the registration office and explained them that its courses I am repeating for that reasons I am withdrawing from the courses.but what happened later its not fun, they sent the amount charged for those courses to a debt collectionand its still in XXXX  files Iam trying to get right of this and I dont think its fair .iam not paying for courses I didnt took .please provide me with the right infos to solve this. 
Thank you XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
XXXX I made my deposit into Citibank atm like I do every Friday. Their machine had an issue and couldn't do anything with my check and kept it. I called number they said take 45 days to fix ... .this voliates the 7-9 days max a bank can hold my funds ... .there fault for faulty arm machine. I want to see legal actions as now my rent will be late, my phone bill, my electric bill ... they bank should be responsible for their faulty issues

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 2019-10-25 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: Diversified Consultants, Inc.
State: MO

Complaint narrative:
I NOTICE INACCURACIES ON MY CREDIT REPORTS APPROXIMALY SIX MONTHS AGO. SINCE THEN I HAVE BEEN DISPUTING THESE NEGATIVE ACCOUNTS BY CALLING AND SENDING MULTIPLE LETTERS TO THE 3 CREDIT BUREAUS ( XXXX, XXXX  AND XXXX ) ON XX/XX/2019,XX/XX/2019,XX/XX/2019, AND XX/XX/2019. I KEEP RECIEVING THE SAME RESPONSE ( ACCOUNT VERFIED ) YET THERE'S NO METHOD OF VERFICATION PROVEN THAT THESE ACCOUNTS ARE MINE!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: RoundPoint Mortgage Servicing LLC
State: OR

Complaint narrative:
My mortgage loan consultant, XXXX XXXX, has stopped responding to my emails and calls. Since XX/XX/XXXX I have not heard anything from him, despite being promised by others at Roundpoint that he would contact me. 

I was able to get a hold of XXXX XXXX, a loan processor, who was able to give me an update on my file. After XXXX, I was able to get a hold of XXXX XXXX, today, who finally told me they need more information from me. 

At this point, it's been 60 days since I started this process and I feel like my file keeps getting dropped through the cracks. Every additional day this takes is more interest I have to pay at a higher rate. I'm losing money the longer this takes and no one at Roundpoint seems to care.

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 2019-10-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: MD

Complaint narrative:
This is a 3rd party debt originated from XXXX XXXX XXXX for equipment not being return. Equipment has been return to XXXX XXXX XXXX and it's been almost a year without an update to my credit report. This debt is no longer valid. Please remove or provide proof of debt and compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25 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: CA

Complaint narrative:
In reviewing my credit files, it appears there is a collection from XXXX services which i have not acknowledge of. I believe the information is false due to the fact i have never associate with XXXX, my phone bill and internet are with XXXX services.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25 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: FL

Complaint narrative:
XXXX and Experian are reporting a Student Loan with the U.S. Department of Education. Both have received at least three disputes stating that the DOFL, Date Of First Delinquency is wrong and the correct date is 1999. As a consequence, the time for reporting this loan has came and gone. XXXX and Experian are reaging this account.

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 2019-10-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: U.S. BANCORP
State: MD

Complaint narrative:
I have contacted us bank numerous times and they agreed to close my line of credit account and stated that the money was not owed. But now they have reported my debt to the credit agencies and they will not return my calls or emails. I have reached out to them to pay the rest of my credit card accounts but they wont call me back or email me back and I keep getting transferred to someone with a full voicemail box. Now they are charging me interest and late fees When Ive contacted them numerous times to make a payment. I also was told my late fees and interest fees would be waived which they havent been. Very upset by this process, clearly I am not a valued customer

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 2019-10-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc.
State: IN

Complaint narrative:
On XX/XX/2019, Comenity Bank Representative, XXXX was in violation of the Fair Debt Collection Practices Act Section 805 ( b ) by contacting an unauthorized third party regarding this business matter. According to law, the fine for such negligence is {$1000.00}. For your information, XXXX left the following contact information on a former relative and otherwise unauthorized persons voicemail : XXXX ext. XXXX. 

I sent a letter to Comenity Bank on XX/XX/XXXX regarding their negligence and requesting to resolve this violation and business matter, by paying the fine in the amount of {$1000.00} by applying it to both accounts affiliated with Comenity Bank ( XXXX XXXX  XXXX XXXX and XXXX ). The Recovery Team of Comenity Bank for XXXX sent a response on XX/XX/2019 acknowledging receipt of my letter to cease and desist communication to third parties and offered a settlement for me to pay however this is not what I stated within the letter. Amount owed to XXXX {$760.00}, settlement offered {$380.00}. 

I stated in closing : " You are hereby notified that if you do not comply with this request, I will immediately file a complaint with the Federal Trade Commission, Consumer Financial Protection Bureau and the Indiana Attorney Generals office. Civil and criminal claims will be pursued. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25 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: Global Lending Services LLC
State: WA

Complaint narrative:
On XX/XX/XXXX I had to re-dispute wrong information with XXXX, that was placed on my credit report regarding a car loan I had, through a company by the name of Global Lending Serviceseven sending them a letter from Global Lending, showing proof that it was paid off. Global Lending reported that I was 30 days late on my car payment, which was incorrect. I traded the vehicle in before I reached the 30 day mark, yet they never updated it in their system. I first contacted XXXX, XXXX, XXXX, and the lender Global on XX/XX/XXXX, upon seeing they reported incorrect information on all three of my credit files, which also drastically dropped my credit scores. Upon a completed investigation, XXXX and XXXX concluded my complaint was true/valid, and updated both credit filesremoving the 30 day late report from Global Lending, to on-time payments. While XXXX concluded that the lender said the 30 day late remark was accurate, leaving the derogatory/false reporting on my report. While checking the status of my dispute on my XXXX  credit file, I noticed that not only the remark I had disputed was still on my report, but a second late remark was added to my XXXX   report from Global Lending on XX/XX/XXXX. Although on all three credit reports, it now shows that my old car loan with Global Lending is paid off and closed, also shows the finance company ( XXXX XXXX XXXX ), for my new vehicle has been added. So I have no understanding why XXXX or Global Lending is still reporting late payments on my old car loan. I even called to speak with both companies and was rudely brushed off by XXXX and told they couldnt do anything because Global Lending reported the late payments as being accurate, yet Global Lending insisted everything is updated in their system, even sent me a letter. Being that the other two credit bureaus found the 30 day late report to be inaccurate, not allowing another late payment to be placed on my credit report, it seems XXXX isnt following proper protocol, adding false information to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I went to use an ATM machine inside a store on XX/XX/19, trying to make a {$40.00} withdrawal. I personally inserted the card & entered the PIN for this transaction. I stood at that machine for at least 20 minutes, as the transaction just kept 'spinning. ' I finally got a message 'Unable to process your transaction. ' I took my card and went outside to a XXXX XXXX machine, where I successfully withdrew {$40.00}. Went back inside and made a {$40.00} cash purchase at the store. Later, when I arrived home, I logged into my online banking account at Bank Of America -- much to my surprise, I had not only been charged the {$40.00} at XXXX XXXX but also TWO transactions from the store 's machine : one for {$40.00}, one for {$80.00}, plus fees. I notified the fraud dept. at Bank Of America immediately that evening. The bank initially credited my account for both of the errant charges, for which I was not responsible. My card was frozen, and a new card mailed via Priority Mail.Then on XX/XX/19, I received a bank alert online that stated : " unable to pay. '' I called the bank, and they said they saw a video of the incident ( I have as well ) ; they stated that someone with me at the atm took out both of these unauthorized charges. My roommate was with me that day, shopping around inside the store -- and he can attest to the fact that no money was dispensed from that machine. The bank has apparently never heard of 'skimming ' at more obscure ATM machines, as zero money was dispensed to me or anyone else at the time of my transaction. The transactions were fraudulent, the money taken by someone who skimmed my PIN or otherwise manipulated the machine -- as my transaction never said it was canceled ( only unable to process ). I fax'ed a letter to Bank Of America XXXX XX/XX/19 detailing this, & asked them to re-open this claim. I saw in my message center that they had done so. That message has oddly disappreared. Bank Of America has persisted and now drafted the {$40.00} & {$80.00} back out of my acct on XX/XX/19.

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 2019-10-25 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: Shellpoint Partners, LLC
State: FL

Complaint narrative:
In XX/XX/XXXX Shell Point Mortgage began to report a negative payment record to XXXX and XXXX I have never had a mortgage with Shell Point but I had a mortgage that was closed and discharged as part of a BKXXXX over 7 years ago. Case # XXXX. Attached to this complaint is a Cease and Desist letter from my attorney sent to Shell Point back in XX/XX/XXXX. This is negatively effecting my credit report/score and I believe this is against BKXXXX laws and protections. I am looking to have this account erased from my credit file. This is unacceptable harassment by this lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC
State: NC

Complaint narrative:
I placed an order to terminate service on XX/XX/XXXX. We sold our house and our closing date was XX/XX/19. Unfortunately, the cable company equipment was packed by the movers, but I called the cable company to let them know that I would return the equipment as soon as our goods were delivered to the new house. This was done on XX/XX/XXXX. I boxed everything up and they received it all on XX/XX/XXXX. The XXXX tracking number of the shipping label the company sent me was xxxx xxxx xxxx. 

The monthly bill was usually due on the XX/XX/XXXX of each month and was typically {$200.00}. I would see being responsible for the difference covering the XX/XX/XXXX through the XX/XX/XXXX, but no more. A couple of days ago I received a collection letter for {$300.00} from XXXX for supposed equipment charges. This is incorrect and should be made right by the company immediately. I have made 10-15 attempts to speak with someone at the company without success. I even spoke with the collections agency, who has no historical background on the debt, and they gave me another number to call. No luck either. 

Important Dates : XX/XX/XXXX - new statement for {$200.00} XX/XX/XXXX - new statement for {$740.00}, which included a new charge of {$530.00} for equipment. In the same statement they show a credit of ( - {$190.00} ) for partial monthly activity. 
XX/XX/XXXX - new ( and last statement ) for {$300.00}, which shows a credit of ( - {$440.00} ) as equipment credit. 

As you can see the math does not add up. Also, they never called my cell phone, which the account was under and I still have of course. Lastly, I have all the statements and receipts referenced above. 

Any assistance is more than welcome. 

Thank you so very much!

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 2019-10-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Renew Financial Holdings Inc
State: CA

Complaint narrative:
Good morning, I am writing to you following Public Counsel recommendations regarding a PACE loan. I have acquired a property through XXXX in XX/XX/2019, two days ago when receiving my property tax bill I was surprised by the amount over {$13000.00} for a {$460000.00} property, I called the assessors office, talked to the appraiser who had a hard time understanding the amount with me at first, when she actually saw it came from a special assessment from a company called CA First. That is when I discovered a PACE loan had been contracted by one of the previous owners I guess. Property was bank owned upon purchase. The PACE loan wasnt properly disclosed, escrow company sent me documents for signatures two days after COE date, I had contracted title insurance and so was sure that any liens affecting the property would be taken care of. Property was a complete fixer and no features stated on PACE loan are accurate on conditions, I had to remodel home myself. Loan amount was {$80000.00} and CA first is charging a scandalous interest rate of 8.29 %. I am not in contract with them, they wont even give me information since my name doesnt appear, yet I would like to pay my property taxes and I am put under duress to acquit myself of a {$8900.00} over what my actual property tax bill should be. Any contract under duress should be voided ... I would like to seek your help in this matter. 

Thank you very much Best Regards XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX DRE # XXXX

Company response to consumer: Closed with explanation