vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-04 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: TN

Complaint narrative:
I have reached out to equifax about this issue 3 times now. 

There is an account on my credit report with them that has NO original creditor or collection agency name. They are also reporting incorrect information on my credit report. I have asked the credit bureaus 3 times now to verify or remove the info. I've even pointed it out to them that the info is inaccurate. 

They refuse to validate the account or make any updates to it. 

You can see that the following items are incorrect. 
Acct Type-Detail Date Opened High Credit Balance Credit Limit Past Due Date Last Active Date of Last Payment THERE IS ALSO NO CREDITOR, COLLECTION AGENCY OR COMPANY TO CONACT TO REQUST ANY INFO! 

I have asked for proof of the above information and I've also asked that they ensure it's all reporting accurately or to DELETE the acct from my credit report. They will not do either. 

I am attaching all letters that i have sent to the credit bureaus as well as an updated image of the item that is reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04 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: Midwest Recovery Systems
State: OH

Complaint narrative:
Midwest recovery systems has put a collection account from XXXX in my XXXX credit report which is not my account. This is the third time they have done this and i had to complain to the XXXX to get it removed which sid happen now i want this account removed from my credit report this is fraud. I also believe this company needs to be investigated about their business practices

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: DE

Complaint narrative:
Hello, I've contacted CHASE multiple times to have them change my name from my maiden name to my married name ( XXXX to XXXX ). 

I've sent all required documentation. CHASE updated my name on my credit cards, but not my online account. I called and asked customer service to update my online account as well, and was told 3-5 business days. It was never done. So I submitted an online inquiry via the " Send a secure message '' on the Help & support tab. I received a response to give 5 business days. I still haven't received word back on that. 

Please update my name. I attached all paperwork I previously submitted supporting the name change and a screenshot of where it has not been updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Mobiloans, LLC
State: VA

Complaint narrative:
Called me during work hours, and after I politely asked him to call me after work he started raising his voice, saying " You need to pay your bill, you haven't made a payment in a year, '' and that was after I asked him not to call me until after XXXX XXXX. I believe I had {$500.00} when I no longer had the ability to pay ( child support arrearage, etc ), and that amount has since gone up to the thousands.

Company response to consumer: Untimely response
Consumer complaint received 2019-06-04 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Pinnacle Finance LLC
State: TX

Complaint narrative:
I took out a loan to have a bathroom remodeled and new windows in the kitchen. Loans totaled XXXX, to date I have paid XXXX and still owe XXXX. I have not received a statement in over 2 years. When I inquired about my balance and why I have not received any statements I was told that all of my payments had been going to interest. There was a period where I was in bankruptcy proceedings and not making payments but since I reaffirmed with the company I have made more the agreed upon payment. Payments were XXXX and I have been making payments of XXXX since XX/XX/2018 after making a XXXX payment in XX/XX/2018.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-04 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: AL

Complaint narrative:
I'm soon to be in the market to purchase a new vehicle. I started preparing by checking my credit report to know what my credit score was. After doing so I noticed a couple of items that are not mine on my credit report. These items need to be deleted from my credit report. I've contacted the FTC, the police and I'm doing this on my own behalf. Chapter XXXX Bankruptcy, Chapter XXXX Bankruptcy, XXXX. Inquiries : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I had opened a security deposit box in XXXX, with TD bank, XXXX XXXX XXXX XXXX, XXXX, NJ XXXX Ph No XXXX. I primarily used this security box to store inherited jewelry, gold coins etc. 
On XXXX XX/XX/XXXX afternoon, I went to this branch to close the security box as I was able to secure the security box in XXXX XXXX on XXXX XXXX closer to my residence. I brought in both keys to the security box. The bank official informed me that the security box has been already closed off and there was nothing in that security box. This was a shock to me as I had both the keys with me and both keys are still in my possession. I never went to bank to close the security deposit box. 
I left for XXXX as per my plans. I communicated with the manager XXXX XXXX via emails and demanded what had happened? I am enclosing the copies of email communication with this complaint. 
I found out that : 1. Somebody tried to get in to the security box on XX/XX/XXXX. The information on the entry card was scratched off. 
2. The security deposit box was empty, the inner box wasn't there. 
3. I was informed that with the consent of the bank manager, this security box was closed. 
which is the most absurd and bizarre. No one can close my security box without my permission. 
4. I found out that the person who closed off the security box was no more working there and they can't find him I tried my level best to get some answers from the bank official. My attorney wrote the bank official letters to get resolution. I couldn't get any help, so I filed criminal report against the bank with police. 
I am attaching all the documents in this complaint. If you need any other information, I would be happy to provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04 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: NY

Complaint narrative:
Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item below to be incorrect. 

1. Account was closed and transferred to another provider paid in full XXXX XXXX Account Number : XXXX This account was on an agreed payment plan after being closed and transferred to another wireless provider by me. This item was paid in full and not a charge off or collection as per a pre-arranged payment agreement with the creditor. 

Please remove the inaccurate charge-off /collection from my credit 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
Consumer complaint received 2019-06-04 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: UT

Complaint narrative:
XXXX XXXX is reporting some recent lates I should not have on my accounts. I switched over and wasn't able to make any payments at this time. I tried to call several times but my calls were never answered. The accounts are # XXXX and # XXXX and I would like some of the more recent lates removed. These should not be on my account as I was switched over.

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 2019-06-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: MI

Complaint narrative:
XXXX wrote me that my Social Security number is inactive due to death! I am alive!

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 2019-06-04 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: AL

Complaint narrative:
I'm soon to be in the market to purchase a new vehicle. I started preparing by checking my credit report to know what my credit score was. After doing so I noticed a couple of items that are not mine on my credit report. These items need to be deleted from my credit report. I've contacted the FTC, the police and I'm doing this on my own behalf. Chapter XXXX Bankruptcy, Chapter XXXX Bankruptcy, XXXX. Inquiries : 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 2019-06-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
Message I sent them XX/XX/2019 : There is still an issue with my account having a *XX/XX/2019 - 30-Day-Late* mark being reported to the credit bureau every month and negatively affecting my credit. I was a XXXX XXXX XXXX during that time period and should have been in deferment. I sent your company documentation proving that I was a XXXX XXXX XXXX at that time and you put me in deferment as of XX/XX/2019, but DID NOT remove the negative mark from XXXX in your system. I have called 5 times over the past few months trying to resolve this issue and every representative has told me they " put a note on my account '' or will contact an " account specialist '' to resolve the issue and email me confirmation when the issue has been resolved. The issue is still not resolved and no one has ever sent me a follow up confirmation email. As of XX/XX/2019 XXXX XXXX informed me that your company is continuing to report this misinformation. I am very unhappy with the way your company is handling this situation and how long it is taking me to get this issue resolved. 



On XX/XX/2019, at XXXX XXXX, UASconnect wrote : Dear ..., Thank you for contacting University Accounting Service . 

We apologize for the inconvenience in your part. As we check there is a benefit applied on the time that it was reported negatively. We already reported it to the credit agency to be removed but then it still exist. Kindly file for a consumer dispute or have the credit agency call us together with you on the line so that we can resolve the past due notice in your account verbally. 

*There are several other emails where they can not look up my account or can not figure out how to resolve this issue and just say to call. When I call they say they will fix the problem but never do. 

I have made several calls to XXXX XXXX initially the late mark was removed by them in XXXX but then reappeared two weeks later once UAS sent their monthly report. XXXX XXXX said there is nothing they can do to permanently remove this late mark because UAS 's system will continue to report the mistake monthly until they fix it internally. This issue has been going on for four months and is negatively affecting my credit score. UAS is claiming they have tried to resolve the issue but it does not reflect in my credit score. I have never had a problem with a loan servicer, this company is ruing my credit and I am not sure what to do at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04 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 that should be on the report is missing
Company: LEXISNEXIS
State: FL

Complaint narrative:
This is the third complaint against LexisNexis demanding they fix gaps in coverage showing on my Current Carrier insurance report as per FACTA. I have sent them a PDF file via email last XXXX, containing the Declaration pages for all the uninterrupted auto insurance coverage for the past 7 years. I have received an updated report from them, dated XX/XX/XXXX and it is still showing incorrect gaps in coverage Specifically, the XXXX policy showing on the report, policy ending in XXXX, the from date is showing incorrectly as XXXX, when it should be showing XXXX. There is two other XXXX policies with the same policy number ending in XXXX missing from the report ; one of them has a from date of : XXXX and a to date of : XXXX. The third XXXX policy missing ends in XXXX as well and has a from and to date of : XXXX and XXXX respectively. Furthermore, there is several XXXX policies missing. Policy XXXX, from XXXX, to XXXX. Policy XXXX, from XXXX, to XXXX. Policy XXXX, from XXXX, to XXXX. Policy XXXX, from XXXX, to XXXX. Policy XXXX, from XXXX, to XXXX. Policy XXXX, from XXXX, to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04 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: NC

Complaint narrative:
I filed a proper dispute on account # XXXX from XXXX XXXX with Experian. Experian received the dispute XXXX, XXXX 2019. I sent the reporting creditor ( XXXX XXXX ) a request for validation and they received the dispute on XXXX, XXXX 2019. I didn't get a reply from XXXX XXXX, and Experian didn't do a proper investigation or properly mark the account as disputed, which, is an FCRA and FACTA violation

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 2019-06-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: FL

Complaint narrative:
After numerous months and dozens of phone calls, complaints, and Internet correspondence, were still trying to get our money from this company. They say they have guidelines for releasing funds, however nothing has been consistent or logical since the beginning. We are now down to approximately {$400.00} of {$78000.00}. However, due to their extreme incompetence, lack of judgment, or just sheer stupidity, this money will not be released. We have been told the house needs to be 80 % complete, 90 % complete, and 100 % complete. Which is it? We have had several inspections showing the house is being repaired, and is now supposedly 85 % complete. When making inquiries, the customer service reps have been rude, condescending, and just plain amateur. Obviously, {$400.00} will not fix the rest of our house, as there still is approximately {$50000.00} worth of work to be done. Its as if they want to hold this money just to prove a point. They are paying more for inspectors to come out to look at the house than the actual {$400.00} that remains. We have tried to speak with supervisors, upper management, and anyone who could possibly make a rational decision. However no one seems to know who these people are, or who they actually work for. It is like trying to reason with a group of four-year-olds. They need to release the rest of her money, and move on. Hopefully in the future they can adopt consistent guidelines for releasing funds, and follow through with such directives. We have uploaded numerous paid receipts which are somehow lost, even though this is done electronically. They overlook paid receipts, misread these receipts, or just plain do the math incorrectly. Again, the incompetence level is astonishing. This mortgage company is nothing but a scam. They are profiting off of holding peoples insurance money, while we suffer, unable to finish the repairs on our home.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Trident Asset Management, L.L.C.
State: KY

Complaint narrative:
Have made several calls to company sent in my ID showing I never lived at the two address thats was receiving service at the same time i have also sent in prove that the address on the accounts have multiple different spellings of my name alternated

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
I opened a case about a transaction on Consumer protection Financial Bureau, the bank takes retaliation and closed my bank account. 

I opened a case in cfpb and the bank has retaliated by opening a case with cfpb closing the checking bank account. 

I opened a claim on a transaction of {$5300.00} the bank has not resolved the case has not sent me a letter. I want the bank to send me a letter about how they proceeded with the claim and what documents the merchant sent them. And to what is the determination. 

Case Number : XXXX Account Number with Banco Popular : 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 2019-06-04 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: Capital Accounts, LLC
State: CA

Complaint narrative:
The Capital Account was sent to collections in 2016 and is a medical debt that is in dispute. This account continues to renew monthly and is affecting my credit score negatively. The amount is inaccurate. This account should not continue to renew after it's been sent to collections especially when it's a medical dispute for an auto accident. Please remove from XXXX. it has been removed from the other two credit bureau yet still remains in 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 2019-06-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
My wife and I just applied for a new loan and learned an existing loan with XXXX XXXX was showing to be included in a bankruptcy. We have not filed bankruptcy and we are current on our loan without ever being late. I called XXXX and was told my account is in good standings and it's not their fault it shows this way. I was told to call the credit bureau. I asked for a letter and was told I was told I would have to mail a letter to them and then they could respond with a letter. I went on to explain I am applying for a loan and this mistake is very time sensitive. I asked to speak with a manager and was told no, but someone would call me but no promises it will be today. I called TransUnion and was told I can file a dispute since XXXX reported it this way but it would take 30 days. At this time my wife and I can't proceed with a purchase contract due to this mistake and my credit rating is suffering which will cost me a higher interest rate once this is resolved.

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 2019-06-04 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: NC

Complaint narrative:
I have repeatedly disputed the XXXX XXXX XXXX XXXX account on my credit report with each bureau. Each one is reporting inaccurate information they claim is verified. Each one is reporting different information. There should not be a payment due listed on this charged off account. It was written off, but the bureaus claim there is a payment due and a balance due. I requested the payment history from XXXX XXXX XXXX XXXX, and have provided that to the bureaus, but they are still reporting inaccurate information as verified. XXXX states the balance due is {$2000.00}. The bureaus are reporting {$8900.00} due.The payment history is incorrect according to the document provided by XXXX XXXX. This inaccurate information has been disputed, however, it is still inaccurately being reported. This misinformation is extremely detrimental to my financial well being and credit.

Company response to consumer: Closed with explanation