vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-20 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: AL

Complaint narrative:
In XX/XX/2017, I began to dispute accounts on my credit report as included in my Chapter XXXX. Most of my accounts were updated properly however, I continued to have a few accounts that were not corrected. One account, in particular, would not update correctly as included in bankruptcy. It continued to update as a collection account after filing bankruptcy. I filed Chapter XXXX on XX/XX/2017. As of today, XXXX XXXX is included in the bankruptcy and the account is closed. However the reporting is still incorrect, the date on the report reflects as a recent status update and is incorrect. All of my other tradelines are reporting correctly and the activity date never changed but this one did and is report erroneous. Please change the activity date back to the original date of bankruptcy filing. The date on my report is incorrect as it was not a collection account at the time of that update.

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 2018-02-20 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: NC

Complaint narrative:
The company is reporting adverse information to the credit reporting agencies ( XXXX, Transunion, XXXX  & XXXX. I send the company a dispute letter asking for proof of the adverse information they are reporting to the credit bureaus. The company provided a generic letter stating they are not able to change the delinquent ratings reported to the credit bureaus. The company did not provide any proof for the adverse information that they are reporting. I have disputed this issue several times with the credit reporting agencies ; and they claim they verified the information as accurate. The credit reporting agencies is verifying the information through there XXXX system with a code ( a electronic third party data base ) and not doing a reasonable investigation as stated in the Fair Credit Reporting Act. The company is responding to the credit reporting agencies with an XXXX code. The credit reporting agencies can not verified 100 percent of the information as accurate without any documentation or proof.

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 2018-02-20 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: NC

Complaint narrative:
The company is reporting adverse information to the credit reporting agencies ( Equifax, XXXX, XXXX  & XXXX. I send the company a dispute letter asking for proof of the adverse information they are reporting to the credit bureaus. The company provided a generic letter stating they are not able to change the delinquent ratings reported to the credit bureaus. The company did not provide any proof for the adverse information that they are reporting. I have disputed this issue several times with the credit reporting agencies ; and they claim they verified the information as accurate. The credit reporting agencies is verifying the information through there XXXX system with a code ( a electronic third party data base ) and not doing a reasonable investigation as stated in the Fair Credit Reporting Act. The company is responding to the credit reporting agencies with an XXXX code. The credit reporting agencies can not verified 100 percent of the information as accurate without any documentation or proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20 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: NC

Complaint narrative:
The company is reporting adverse information to the credit reporting agencies ( XXXX, XXXX, Experian & XXXX. I send the company a dispute letter asking for proof of the adverse information they are reporting to the credit bureaus. The company provided a generic letter stating they are not able to change the delinquent ratings reported to the credit bureaus. The company did not provide any proof for the adverse information that they are reporting. I have disputed this issue several times with the credit reporting agencies ; and they claim they verified the information as accurate. The credit reporting agencies is verifying the information through there XXXX system with a code ( a electronic third party data base ) and not doing a reasonable investigation as stated in the Fair Credit Reporting Act. The company is responding to the credit reporting agencies with an XXXX code. The credit reporting agencies can not verified 100 percent of the information as accurate without any documentation or proof.

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 2018-02-20 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: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
Td bank refused to report our good credit on mortgage we have had for 18 years they stopped reporting in 2015 we have called many times to ask our payment credit be reported yet they still refuse to report it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I have made repeated attempts to cancel my Experian credit monitoring services ; on XX/XX/2018 I am currently on hold for the past 2hrs waiting for a representative to cancel this service. No representative is made available.

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 2018-02-20 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: VA

Complaint narrative:
I FILE MY DISPUTE WITH THIS CREDITOR XXXX XXXX XXXX  BACK IN XX/XX/XXXX THROUGH THE CONSUMER FINANCIAL PROTECTION BUREAU .YOU ALL SUBMITTED MY COMPLAIN THROUGH XXXX XXXX XXXX  XXXX XXXX . XXXX XXXX XXXX DID INVESTIGATION ON MY DISPUTE AND THEY SENT ME A LETTER EXPLAINING THE RESULTS AND I HAD A CHANCE TO TALK TO XXXX XXXX ON THE PHONE REGARDING MY COMPLAIN. I HAVE SENT XXXX, EQUIFAX, AND XXXX A COPY OF THE RESULTS AND STILL THEY HAVE NOT UPDATED WHEN THE ACCOUNT WAS CLOSED AND ALSO THE RIGHT DELINQUENT DATE WHEN THE ACCOUNT SHOULD FALL OF MY CREDIT REPORT. THIS ACCOUNT WAS OPEN IN XX/XX/XXXX AND THE ACCOUNT WAS CLOSED IN XX/XX/XXXX..  ALSO I STOP MAKING PAYMENT ON THE ACCOUNT IN XX/XX/XXXX THAT WHEN I WAS 90 DAYS LATE DELINQUENT. ACCORDING TO EQUIFAX, XXXX   AND XXXX XXXX I WAS DELINQUENT ON XX/XX/XXXX THAT DATE IS INCORRECT. ACCORDING TO THE INVESTIGATION ON MY DISPUTE IT STATES THAT THE ACCOUNT WAS PERMANENTLY CLOSED ON XX/XX/XXXX. SO WHY IS THE CREDITOR BUREAU ALLOWING THIS ACCOUNT TO STAY ON MY CREDIT REPORT WHAT IS HAPPENING IS THIS ACCOUNT IS RE AGEING .FROM 7 YEARS OF DATE OF DELINQUENT. SO IF I WAS LATE THIS ACCOUN T SHOULD OF BEEN REMOVE LAST MONTH IN XX/XX/XXXX.  ACCORDING TO THE CREDITOR BUREAU THIS ACCOUNT IS NOT DUE TO COME OF UNTIL XX/XX/XXXX WHICH IS NOT RIGHT. I CONTACTED XXXX XXXX XXXX XXXX ON THIS MATTER AND THEY STATED THEY ONLY KEEP RECORDS UP TO 5 YEARS ONLY. I EXPLAIN TO THEM ABOUT DISPUTE THAT WAS DONE EARLIER AND THEY STATED THERE NOTHING THEY CAN DO. I ASK TO SPEAK TO A MANGER WHICH I WAS TOLD THAT SHE WILL BE LOOKING AT THE SAME INFORMATION THAT WE ARE. DISPUTING THROUGH THIS ACCOUNT THROUGH THE CREDIT BUREAU WOULD BE WASTE A TIME AGAIN SINCE IVE DONE IT AND I SENT A LETTER THAT EXPLAIN THE DETAILS OF WHAT A THIRD PARTY FOUND TO BE BUT STILL NOTHING. I HAVE SUPPLY MY XXXX  CREDIT REPORT BACK DATED XX/XX/XXXX AND I SUPPLY MY XXXX CREDIT REPORT DATED XX/XX/XXXX AND I SUPPLY THE LETTER FROM XXXX XXXX XXXX XXXX XXXX AND ACCORDING TO XXXX THEY COULD NOT USE THAT FOR MY DISPUTE. XXXX   DOES NOT VERIFY YOUR DISPUTE SO HOPEFULLY THIS TIME AROUND IT GET LOOK AT AND UPDATED CORRECTLY. THIS ACCOUNT SHOULD NOT BE ON MY CREDIT REPORT AFTER THE 7 TEARS MARK. THE SAME FOR XXXX XXXX AND EQUIFAX I SENT A COPY OF MY CREDIT REPORT THAT SHOWS THE ACCOUNT. I HAVE SUMMITED A COPY OF MY EQUIFAX AND MY XXXX XXXX CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20 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: IN

Complaint narrative:
My husband and I are in the process of moving and purchasing a home. In anticipation of this event I pulled our credit to check credit scores. Upon doing so I discovered a defaulted XXXX/XXXX account. Over two weeks ago I submitted a fraud complaint. I then received a response from Experian stating that the creditor verified the account as accurate. I then called XXXX XXXX to discuss the fraud claim. The first person I spoke to said that we could simply pay the claim. NO WAY! I then asked to be transferred to another agent. They said that the process would take 10 to 60 days. We hope to close on a home in less than 60 days. That agent said he would transfer us to the investigator and they would take our information. The final agent said that she could do nothing to help us expedite the process. Please note the following facts : 1. We currently have 3 open accounts with XXXX XXXX. One is paid off with perfect pay ( XXXX XXXX ), the second is XXXX XXXX XXXX with a XXXX balance, charged on monthly and paid off and finally XXXX XXXX  which has a balance on automatic pay and paid perfectly. All three accounts have our current address and correct phone number. 

2. The address used to obtain credit is a home we have not owned since XX/XX/XXXX. We have not lived in that home since XX/XX/XXXX. The account was opened in XX/XX/XXXX. 

3. The first agent I spoke to said that they reject all fraud claims made through the credit bureaus by consumers. 

4. We have never had a late payment or any derogatory credit. 

5. The interest rate on the mortgage will be higher due to lower credit scores. 

6. The agent was in fact not the investigator and she made the following statements : A. There is nobody with more authority than her at the bank B. There is no way to expedite the verification process C. She can not give us the account number in reference D. She can not transfer us to another account manager E. The investigators will not talk to us to help provide information F. Her name was XXXX # XXXX ( probably not correct employee reference # ) G. She wanted us to link our current phone number with the defaulted account! 

The effects of this error will cause thousands of dollars in interest charges and/or possibly lose the house due to delay in processing.

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 2018-02-20 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: GA

Complaint narrative:
Hi I sent certified letters to all three credit bureaus with in the last three months and have not received a response.

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 2018-02-20 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: HEARTLAND PAYMENT SYSTEMS INC
State: GA

Complaint narrative:
I contact XXXX XXXX  on or around XX/XX/2018 to get a copy of the promissory note for this loan.It has been over 30 days and the debt collector has not provided proof of the loan as required by the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CORELOGIC INC
State: FL

Complaint narrative:
I applied as a cosigner for an apartment. I did not expressly authorized the landlord for a Hard Credit check on my credit report, but still a hard credit check was performed by the company CoreLogic. I have reached out to them and they refuse to remove the inquiry saying that I authorized it, when in reality it is not expressly stated that I signed for a hard credit check to be performed

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 2018-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCC Business Services, Inc.
State: CA

Complaint narrative:
NCC business services is reporting I owe {$1000.00}. This was joint debt for an apartment. I filed suit and won in small claims court against my roommate, XXXX XXXX XXXX. He is fully responsible for this debt. I have provided all documentation to NCC business services. They refuse to accept it. I have asked for debt validation and they have not produced any documentation. I do not owe this debt any longer and I want it removed from all 3 bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
XXXX XXXX XXXX sent me a collection notice regarding an account that was clearly fabricated. It does not appear on my credit report, and I never opened this account nor did I agree to assume this debt. 

The original creditor they cite - XXXX XXXX. XXXX-Consumer -- is not associated with the IIN/BIN Number number cited ( XXXX ) -- and is in fact associated with a DEBIT card, not a credit card. A cursory check of the facts by Midland would prove that this debt record is completely fabricated. 

It's clear that they are trying to collect on fake debts, and someone needs to stop them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: DC

Complaint narrative:
I am enrolled in the Public Service Loan Forgiveness program, and my loans are serviced by XXXX XXXX. 

I have a XX/XX/XXXX letter indicating that for the months between XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX says I made 5 qualifying payments for some loan sequences, and 9 for the rest. However, I have a XX/XX/XXXX letter from XXXX XXXX stating previously that I had made 10 payments over that time period for each loan sequence. 

In addition, between XX/XX/XXXX and XX/XX/XXXX, in the XX/XX/XXXX letter,  XXXX XXXX says that I made 5 qualifying payments for all loan sequences over that time period. In fact, I made 12 qualifying payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Neverauthorized any credit check from XXXX XXXX. I was told that this was never going to show up on my credit record. I was misled by sales rep, trying to sell me a service. Spoke to XXXX XXXX, Salesperson on phone that day. He said I never should have been asked for any information. 
XXXX XXXX, XX/XX/2017 XX/XX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I reached out to each creditor and they concluded that there inquiry was in authorized. Transunion refused to delete the in accurate information 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 2018-02-20 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: R.M. Galicia, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX  in XXXX XXXX, CA billed us for a XXXX performed in XX/XX/XXXX. We were on a payment plan for {$270.00} per month. In XX/XX/XXXX and XX/XX/XXXX we made 2 payments each month so we were ahead of schedule. We made another payment in XX/XX/XXXX but did not make our XX/XX/XXXX payment since we had double paid in XX/XX/XXXX and XX/XX/XXXX. Without any notification, we were sent to collections. We continued to make payments to the account in XX/XX/XXXX and XX/XX/XXXX but we are being hounded by the collection company. The account is paid in full. After received a notice from the collection company ( XXXX XXXX XXXX   ) we called XXXX XXXX on XX/XX/XXXX and spoke with XXXX XXXX ( he refused to give his last name ). He told us that the account was delinquent when the XX/XX/XXXX payment was not received. I asked him to review the payment history and he told me that double payments do not count toward the monthly payments. He said when our account was not paid in XX/XX/XXXX that it went to collections without notification. I asked for their policy in writing but he said they do not post anything in writing for the consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Good morning, I understand what the law says about the credit report and filing for a bankruptcy but I believe it is not fair that if I file for bankruptcy and the case was dismissed that it is listed on my credit at all, if at the end of the day the government funds were not use to get out of debt why is it being reported at all and damaging my credit? I went through a rough period of my life as many Americans from XX/XX/XXXX to XX/XX/XXXX that filing for bankruptcy was my only option for my piece of mind since I was going crazy not being able to pay off my debts as I wanted to, but the case was dismissed because I was not in the US at the time of the court ( taking care of a personal issue in XXXX ) and I decided not to continue filing the bk after that, still my credit was affected and I've been working hard to restore it, but the bk that I never received a benefit from is still showing and from what I see it will continue coming up for another 3 years. Please if there is a way to have that bk removed please let me know how, or if some amendment to the law can be done to help us consumers that dismiss the cases to have the bk removed would be greatly appreciate it by me and many Americans. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BOK FINANCIAL CORP
State: NM

Complaint narrative:
We have been trying since XX/XX/XXXX to cancel our PMI. XXXX XXXX requires the loan to value ratio to be 75 % or less if the loan is between 2 and 5 years old. The original appraisal was for {$280000.00} which meant that we reached 75 % in XX/XX/XXXX. We followed instructions to request a BPO and paid {$150.00} for the appraisal fee. Appraisal was done on XX/XX/XXXX and the suggested list price was {$280000.00}. We were were denied PMI cancellation and the reason given was because the new appraisal was less than the original value at the time of purchase. This requirement is not stated anywhere. The only requirement given is 75 % or less loan to value which we have surpassed. As of XX/XX/XXXX, I was told the value of the house is {$280000.00} and our principle loan balance is {$210000.00}. I was told that our loan to value ratio is 84 % which simple math shows is incorrect and customer representative could not explain where this number came from. Customer service told me this was the information they had and they couldn't help me unless I ordered another appraisal or paid {$22000.00} towards our principle.

Company response to consumer: Closed with explanation