vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-20 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: CO

Complaint narrative:
I was declined by a credit card company due to having very little credit history on my credit report. I pulled my credit report and found that XXXX XXXX  is reporting inaccurate information including : No payment ( I pay the entire amount every month and have since I received the card in XX/XX/2012 ) ; no usage ( I have used the card every month since XX/XX/2012 ), no balance ( I always have a balance which is paid off each month ) ; {$0.00} credit limit ( my credit limit is {$12000.00} ) ; no monthly payments ( as previously referenced, I pay my balance in full each month ) ; no highest balance ( my high balance is around {$10000.00} ) ; and under comments " Account in dispute-reported by subscriber ''. My account is in good standing. 

I called XXXX XXXX and was told they will not do anything about it unless I send a letter in the mail with my name, my address, my account number, my social security number and my birth date!! They will not accept fax or email or phone for this information even though they are reporting incorrect information and they admit that. They said unless I send this letter with the information they will not do anything to correct the reporting.

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 2018-12-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I have told you that I am represent Ed by lawyer but still you are calling me I am retired and XXXX. I asked my lawyer to contact you and settle this account

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Midstate Collection Solutions, Inc.
State: IL

Complaint narrative:
I disputed this fraudulent debt with Midstate Collection Solutions Inc. numerous times.

Please note that I have downloaded a couple of the Dispute Letters as well as the latest response from Midstate Collection Solutions Inc . I simply ask that they verify and validate the debt by providing me a copy of a contract that has my signature as require by law, however they refuse to do so and only sent a billing statement of which I also downloaded. The billing statement was sent from their Attorney.

I disputed this fraudulent debt with XXXX and they informed me that Midstate Collection Solutions Inc. refused to delete it. I have also included a Fair Debt Collection Practices Act Fine Schedule which clearly states the violations of which Midstate Collection Solutions is liable. I also have researched their Company and have found that there are many complaints about their NEGATIVE PRACTICES. I will mail a INTENT TO SUE LETTER once I complete this complaint. Surely Midstate Collection Solutions believe they are above the law. I also investigated a found that this fraudulent debt was created at XXXX  XXXX XXXX  XXXX XXXX with XXXX XXXX the date of XX/XX/XXXX. This is XX/XX/XXXX. Surely this Debt has been RE-AGED!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My loan payments were always sent on time. I keep explaining this to Transunion but they keep on saying that the accounts are accurately reported and they have verified it. The accounts were not reported correctly and I would like it fixed. Please CFPB step up and correct the status because I was never late on my XXXX  XXXX  XXXX, XXXX   XXXX XXXX, XXXX  XXXX and XXXX  XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX

Complaint narrative:
My savings account was blocked without any explanation and after calling in and holding for over 2 hours, I was told to call back to speak with fraud department. I called back the next day again hold time was 2 hours and was told to send in the necessary documentations which I have and I still can not access my account. They are holding my big balance hostage and in checking social media there are a lot of other victims like me that hsbc is placing blocks on their accounts. Please help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20 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:
My loan payments were always sent on time. I keep explaining this to Experian but they keep on saying that the accounts are accurately reported and they have verified it. The accounts were not reported correctly and I would like it fixed. Please CFPB step up and correct the status because I was never late on my XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX and XXXX   XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20 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:
My loan payments were always sent on time. I keep explaining this to Equifax but they keep on saying that the accounts are accurately reported and they have verified it. The accounts were not reported correctly and I would like it fixed. Please CFPB step up and correct the status because I was never late on my XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX  XXXX and XXXX   XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20 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:
Please delete all accounts which have nothing to do with me, regardless if its reported as collection, charge off, closed with balance because they do not belong to me and other accounts which were unverified, inaccurate and false asap. XXXX XXXX   XXXX, XXXX XXXX, XXXX   XXXX, UNKNOWN XXXX, UNKNOWN XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
1. LoanDepot refused to refund me the payment ( {$3200.00} ) made on XX/XX/XXXX ( via automated on XX/XX/XXXX ) Payments made in XX/XX/XXXX : A. XX/XX/XXXX for XXXX Mortgage ( {$3200.00} ) B. XX/XX/XXXX ( Paid through automated system on XX/XX/XXXX ) for XXXX Mortgage ( {$3.00}, XXXX ) C. XX/XX/XXXX paid {$3200.00} upon the report on the XX/XX/XXXX that the payment of XX/XX/XXXX was returned. SECOND PAYMENT MADE TO LOANDEPOT DUE AS THE MONTH WAS ENDING SO AS TO AVOID A " 30-DAT LATE ''.

D. Payment made on my XXXX XXXX account to LoanDepot on XX/XX/XXXX and IT WAS NEVER RETURNED E. Claim ( Claim # XXXX ) established with XXXX XXXX based on the LoanDepot 's report that the payment of XX/XX/XXXX was returned on XX/XX/XXXX for NSF. 

F. XXXX XXXX gave a TRANSACTION # XXXX and confirmed that the payment was made to LoanDepot on XX/XX/XXXX. 

G. A three-way telephone call was done with me, a XXXX XXXX staff, and a Loan- Depot staff called XXXX ( Extension XXXX ). In this meeting, XXXX confirmed the above transaction number and requested that I faxed my bank statement to convince LoanDepot that the XX/XX/XXXX was not returned. I faxed the statement to him as requested and he called the following day to confirm its receipt. 

2. LoanDepot reports unfounded " 30-DAY LATE '' RUNNING CLIENT 'S FICO SCORES A. We paid our mortgage around every XXXX because of the way we are paid at our jobs in the last 5 years. 

B. Payment returned on XX/XX/XXXX was not communicated on time and my husband 's bank never did also ; resulted in payment going through in XX/XX/XXXX. 

C. Contacted LoanDepot to please do a courtesy removal of this late payment having been doing business with them in almost 5 years but they explained it wasn't possible and I forgot about it.

D. In an attempt to refinance, it was discovered that they reported UNFOUNDED " 30- DAY LATE IN XXXX, XXXX. Please see the attached. 

E. According to my husband, LoanDepot presented two ( 2 ) payments for the month of XXXX which messed up his account, later resulted in a " 30- Day Late '' as the payment went through on XX/XX/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 2018-12-20 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: FL

Complaint narrative:
Please know that I was not late on XXXX XXXX XXXX, XXXX XXXX XXXX. I wonder why Equifax, XXXX   and XXXX report it as late when in fact payments were processed before the due date. Credit Bureaus wont give me a concrete reason as to why they wont fix the account. CFPB Please step up and fix this for me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I appied for a Citi Bank secured card approximately two weeks ago. I called there approval Department and the representative said I was approved for an account with Citibank and that I will receive the instructions in the mail to set up my account. On XX/XX/2018 I receive information that my application was denied

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 2018-12-20 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: FL

Complaint narrative:
Please delete all accounts which have nothing to do with me, regardless if its reported as collection, charge off, closed with balance because they do not belong to me and other accounts which were unverified, inaccurate and false asap. XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX , XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : 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 2018-12-20 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: CA

Complaint narrative:
In XX/XX/2016 I submitted a balance transfer request from XXXX XXXX to my Sears XXXX in the amount of {$1600.00}. After a month or so I saw that it never posted to my XXXX account. Over the course of two years I attempted to rectify this issue with XXXX XXXX to where they investigated on their end that Citibank ( who backs XXXX ) had cashed the balance transfer check. XXXX XXXX attempted to contact Citibank to refund the money back as it never got credited to my XXXX account that is listed on the front of the balance transfer check. It is apparent that Citibank did not respond to XXXX XXXX XXXX   correspondence and ignored the request. I have evidence of the check cashed by Citibank, the letters that XXXX XXXX sent to Citi, and other pertinent information that displays Citibank has kept the money. In addition I have copies of my Sears XXXX statements that show the money was never credited to my 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 monetary relief
Consumer complaint received 2018-12-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Account was wrongfully closed

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 2018-12-20 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Hello I would just like for the late payments to be removed from my credit report. I have been in and out of the hospital and not working and havent been able to pay anything. Im getting evicted soon and everything that could go wrong has. I am just asking that your company will be merciful and remove the late payments and maybe we can set up a payment plan for my account, please!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20 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:
Please delete all accounts which have nothing to do with me, regardless if its reported as collection, charge off, closed with balance because they do not belong to me and other accounts which were unverified, inaccurate and false asap. XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX

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 2018-12-20 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: IN

Complaint narrative:
I have disputed multiple fraudulent or innacurate items on all three major CRA 's ( XXXX, Equifax, and XXXX  ) over the last year to clean my inaccuracy 's after identity theft. XXXX  and XXXX   have been willing to successfully remove fraudulent and inaccurate entries that either never belonged to me or were opened without consent from me otherwise reported inaccurate information such as address information and name spellings..Equifax, however , over multiple attempts to have these corrections made have been unwilling to co-operate to fix these errors and therefore has left me with only them holding false, negative, and incorrect information. I have made numerous attempts and nothing has been removed or altered. The incorrect Information needs to be removed and the investigation by Equifax should have had the same outcome as the investigation by XXXX and XXXX  - as all the CRA 's are receiving the same information presumably from the investigation. These mis-informations and unwillingness to remove the items are hurting me financially and aren't my responsibilities either. Equifax also placed a fraud alert on my report without my asking for it - even though they will not remove false information ( addresses I've never lived at, collections accounts that don't meet requirements of FCRA and can not be validated, names I do not go by and that belong to someone else, etc ) PLEASE HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20 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: FL

Complaint narrative:
Please know that I was not late on XXXX XXXX XXXX, XXXX XXXX  XXXX. I wonder why XXXX, XXXX   and Transunion report it as late when in fact payments were processed before the due date. Credit Bureaus wont give me a concrete reason as to why they wont fix the account. CFPB Please step up and fix this for 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 2018-12-20 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Please know that I was not late on XXXX XXXX XXXX, XXXX XXXX XXXX. I wonder why XXXX, Experian and XXXX report it as late when in fact payments were processed before the due date. Credit Bureaus wont give me a concrete reason as to why they wont fix the account. CFPB Please step up and fix this for 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 2018-12-20 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: FL

Complaint narrative:
Please know that I was not late on XXXX XXXX XXXX I wonder why Equifax report it as late when in fact payments were processed before the due date. Credit Bureaus wont give me a concrete reason as to why they wont fix the account. CFPB Please step up and fix this for me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. being that they have gone past the 30 day mark & can not verify verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA they are required to ... .Promptly delete all information which can not be verified that I have disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. being that they have gone past the 30 day mark & can not verify verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA they are required to ... .Promptly delete all information which can not be verified that I have disputed.

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