vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-01 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: IL

Complaint narrative:
I had an outstanding collection with XXXX XXXX XXXX. When I tried to settle my debt with them, they told me that they can not speak to me because my debt was sent to a collection company. 

I spoke with the collection company ( XXXX ) and settled my debt for {$2000.00}. On the letter that I received from them, they stated that " your account will be updated on your credit report as settled/paid in full. '' My credit report was updated to show my balance with XXXX as {$2000.00} less than what it originally was. They did not report this as settled, rather they subtracted my payment from what I originally owed them. 

They are now showing that my account is still outstanding which is impacting my ability to obtain a mortgage.

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 2020-05-01 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: IL

Complaint narrative:
I had an outstanding collection with XXXX XXXX XXXX. When I tried to settle my debt with them, they told me that they can not speak to me because my debt was sent to a collection company. 

I spoke with the collection company ( XXXX ) and settled my debt for {$2000.00}. On the letter that I received from them, they stated that " your account will be updated on your credit report as settled/paid in full. '' My credit report was updated to show my balance with XXXX as {$2000.00} less than what it originally was. They did not report this as settled, rather they subtracted my payment from what I originally owed them. 

They are now showing that my account is still outstanding which is impacting my ability to obtain a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 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: PA

Complaint narrative:
Expierian is once again not doing their job properly and investigating accounts that are not the consumers.. While other credit reporting agencies have found the accounts not to be accurate Experian sides with the company no matter the dispute or proof.. The account being reported that is not mine is under XXXX/XXXX  I have never had this account and all other agencies have found that I have not.. I also share a name with my father, and over the years his identity has somehow been mixed with mine..

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 2020-05-01 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: NY

Complaint narrative:
XXXX Reporting the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX as LATE on my credit report which has affected every aspect of my life negatively. 

Reason : My bank rejected the payments, but as the documentation shows I was a victim of Identity Theft and as an error they rejected it. They have requested XXXX to remove this because this is not my fault. I don't have control with what happens with the banks.

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 2020-05-01 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: NY

Complaint narrative:
XXXX XXXX the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX as LATE on my credit report which has affected every aspect of my life negatively. 

Reason : My bank rejected the payments, but as the documentation shows I was a victim of Identity Theft and as an error they rejected it. They have requested XXXX to remove this because this is not my fault. I don't have control with what happens with the banks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
My payment went past the 15 day grace period and Mr Cooper charged me XXXX. I explained that since we are going through an unprecedented pandemic they should waive it automatically and should never charge a late fee. I spoke with XXXX from Mr Cooper and he said it would be waived as a courtesy and it  never was.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 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: NC

Complaint narrative:
This letter is a request based on empirical evidence for you to remove inaccurate information from my credit report. 15 U.S.C. 1681e ( b ) provides : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable  procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. When examining statutory language, we generally give words their ordinary, contemporary, and common meaning. XXXX XXXX. 
The United States, 328 F.3d 132, 139 ( 4th Cir. XX/XX/XXXX ) ( Citations omitted ). In accordance with its ordinary, contemporary, and common meaning, an investigation is a careful search ; a detailed examination ; systemic inquiry. XXXX XXXX XXXX XXXX XXXX, p. 966 ( 2d ed. XX/XX/XXXX ). 

The inaccurate information you are currently reporting has affected my chances of getting loans and credit. I have already given notice to the creditors below to Cease and Desist reporting inaccurate information about me to any CRA.

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 2020-05-01 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: NC

Complaint narrative:
This letter is a request based on empirical evidence for you to remove inaccurate information from my credit report. 15 U.S.C. 1681e ( b ) provides : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. When examining statutory language, we generally give words their ordinary, contemporary, and common meaning. XXXX XXXX. 
The United States, 328 F.3d 132, 139 ( 4th Cir. XX/XX/XXXX) ( Citations omitted ). In accordance with its ordinary, contemporary, and common meaning, an investigation is a careful search ; a detailed examination ; systemic inquiry. XXXX XXXX XXXX XXXX XXXX, p. 966 ( 2d ed.XX/XX/XXXX ). 

The inaccurate information you are currently reporting has affected my chances of getting loans and credit. I have already given notice to the creditors below to Cease and Desist reporting inaccurate information about me to any CRA.

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 2020-05-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA
State: WA

Complaint narrative:
I have been paying my loans for now 26 years on a my 25 yr loan only to be told I owe XXXX still. Fedloan is a predatory lender by definition offering loans to unemployed students with no credit based on future or potential earnings. My loan was NEVER with them. I have repeatedly asked for official copies with my official signature which they will not provide. They then send an email ( which I provided ) saying its in my online acct. I have never signed up for nor signed into an online acct. Now during suspension by the govt I get mailed copy saying i OWE {$1400.00} to cover the interest for the quarter ( my original monthly pymt was {$130.00} ). This is ridiculous. I paid my debt with my original servicer and am now being harassed by a company stock piling interest with no real option to working out a contractual deal if there is even a need for one. I am also part of a lawsuit against XXXX XXXX XXXX who took my loan on a forgiveness program.. again I have never had a loan with Fedloan Servicing and am tired of being treated like a piece of garbage by this unethical company

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: NC

Complaint narrative:
This letter is a second request based on new evidence for you to remove inaccurate information from my credit report. 15 U.S.C. 1681e ( b ) provides : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. When examining statutory language, we generally give words their ordinary, contemporary, and common meaning. XXXX XXXX. 
The United States, 328 F.3d 132, 139 ( 4th Cir. XXXX ) ( Citations omitted ). In accordance with its ordinary, contemporary, and common meaning, an investigation is a careful search ; detailed examination ; systemic inquiry. XXXX XXXX XXXX XXXX XXXX, p. 966 ( 2d ed.XX/XX/XXXX. 

The inaccurate information you are currently reporting has affected my chances of getting loans and credit. I have already given notice to the creditors below to Cease and Desist reporting inaccurate information about me to any CRA. For your convenience, I have listed the inaccurate item below : Please delete the following inaccurate item.

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 2020-05-01 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: GA

Complaint narrative:
To whom it may concern. 

I had my Credit Report pulled for my review and I noticed both XXXX XXXX XXXX accounts are reporting incorrect. These account numbers are XXXX ... XXXX & XXXX ... XXXX. Now these have been paid off since 2017 but are still showing that they are in a collection status. The status on my report states paid but the history still shows collection and that is incorrect. It wasn't a collection but a garnishment of my military retirement check.If XXXX would look into my payment history, they would see this. I am sure its an oversight but the information is wrong and by law the account must be removed due to incorrect info.

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 2020-05-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
On XXXX I called to see if I could get a lower interest rate due to hard times with the virus. Customer ser rep said no lower rate was possible. Then she said that I could do a balance transfer for a 5 % fee and pay 0 % Int til XXXX. We went over the plan and I accepted the offer and we did the balance transfer. The transfer got paid on the other card and it showed on my Citibank account. Transaction was completed. 
On XX/XX/XXXX a citibank oper remediation rep called and she had listened to the prior call and said that the rep was wrong to offer the balance transfer. I told her I had a lower rate with the prior card and would never to make sense to pay 5 % fee and then pay Citibank a higher rate. I called customer ser on XX/XX/XXXXwhen I got a statement with Int being charged on the balance transfer. She gave me no solutions and said she could not do anything about it and suggested me having the balance trans delclined from the credit card comp. I want the deal I was offered and that Citibank completed. If i would have gotten a call from citibank before the transaction was completed I might have said ok. I did nothing wrong and oked the info the rep gave me XX/XX/XXXX. The transaction is completed and citibank should stand behind their reps or train them better. The rep said it was a offer she could offer 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 monetary relief
Consumer complaint received 2020-05-01 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: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
I paid off this loan on XX/XX/2020. My credit report as of XX/XX/XXXX still shows this account open with a balance not taking my payoff payment into consideration. Therefore it would have been appropriate for my credit report to show this paid off and closed as of XX/XX/XXXX. It seems the Bank does not have appropriate controls in place to ensure accuracy of customer information submitted to a credit reporting agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA

Complaint narrative:
All of these are from 2011 and payed off and the rest are account not done by myself. Cease to exist

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: MA

Complaint narrative:
I was victim of identity theft as a result of being homeless and did not have a physical address in 2012. Numerous accounts were open without my permission. The creditors calls and harass me daily for debt. I explained the set is not mines. They sent me some billing info with incorrect addresses and i explained are not mines. I was also told by the credit bureaus that my personal data was breached from the credit bureaus and i am still fighting that. I hired a credit repair company to help me with these disputes, as i am new to this. They are not coorporating and states that they are willing to take a settlement. I don't know what else to do so i am finally coming to you guys for some guidance please. I BELIEVE THERE ARE MULTIPLE ACCOUNTS PLACED WITH THIS COMPANY AND THEY ARE COOPORATING

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 2020-05-01 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: GA

Complaint narrative:
I am writing to you in reguards to XXXX XXXX still being on my credit report. Experian stated there is no such info on my credit report. Now I have XXXX and it monitors my credit report and it still shows it. I have enclosed copies to show you that it still is under derogatory items which has cause my credit to drop 36 points. I enclosed what my credit report is showing and the court paperwork stating it has been dismissed. Once again I am asking for it to be completely removed

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 2020-05-01 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: GA

Complaint narrative:
Company name- NCFINANCIAL , date start. XX/XX/2019.amount XXXX  $ .that loan cause make pay bill hospital ... when they talk in phone every month XXXX , 3 years .... im believe whatever they say and signature on agreement with online.. then on agreements 5 years payment ... im really dont know ... they charge every by-weeks charge auto payment ... right now i dont any income and i have close my checking account cause of dont have any income.. then im already email let then know cause of ill be little bit late payment .... but they say there will be action for thet.. and im never have late payment then already pay over one years.. but the amount its still look like same ... .. XXXX maybe. I had payment credit card and auto loan and not safe employee, cause of that payment right now XXXX  XXXX XXXX  part time and have to still with my mom have really bad XXXX problem .... everytime need somebody have to care her ... i dont have full time job and dont have not much income then alot payment .... thats cant pay NCfinancial last month ... please help me im have give time for my mom really have XXXX XXXX problem thats y. Please

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: MIDFIRST BANK
State: TX

Complaint narrative:
Midland Mortgage acquired our mortgage in XXXX of XXXX. We were already in a loan modification process with our previous servicer, XXXX. We immediately started over with that process with Midland. 

In XXXX of XXXX, as part of the loan modification process, we were asked to make a payment to begin finalizing the process. 

We then made three trial payments in XXXX, XXXX and XXXX of XXXX as part of the loan modification process. 

In XX/XX/XXXX, we completed the loan modification process. We have made on-time, regular mortgage payments ever since the loan modification was completed. 

In XX/XX/XXXX, we tried to refinance our mortgage through another lender. The lender said we had four months of 120 days late on mortgage payments on our credit reporting. When we looked at our most recent credit report from XXXX, we saw that the four months reported as late were the months where we paid Midland as requested by the servicer. 

We reached out to Midland to get this corrected. We were told by a supervisor that it was Midland 's policy to report loan modification borrowers as late when those borrowers made the trial payments and fees as requested by Midland. We were told we were " not meeting our contractual obligations '' and therefore Midland would not remove the negative reporting from our credit. 

This is entirely unfair. We followed every step of the process as requested by Midland. We did what we were supposed to do. Now our mortgage servicer wants to punish us for doing the right thing. 

Outside of our personal situation, we are horrified that Midland would do this same thing to the many homeowners who may be struggling due to the COVID-19 pandemic and seeking a loan modification. The choice should not be, follow the process set out by Midland, keep your home but have your credit punished for following those rules, OR lose your home in foreclosure. 

That's what Midland told us. " You didn't have to take the loan modification '' The supervisor set up that stark contrast for us when we asked them to take the negative report off our credit. 
At no point did Midland tell us it would be negatively reporting us to the credit bureaus for following the loan modification process set out by the company.

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 2020-05-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
This company has put " fraud alerts on my account failed to share why requested the authorize users info not mines for verification, which was submitted they then called after confirming they received everything claiming they needed the authorized users that aren't on my account anymore but wont give information on what is going on with my account nor asking for my info to verify me. The representatives were very rude and unprofessional and highly unorganized to be giving piece by piece of information and calling asking for items that aren't needed this information should have been asked for at once. I have had and maintained this account for a while and this by far is the worst experience I have had and I am highly disappointed and will be filing complaints with cfpb, XXXX and my attorney general ask know feel that my rights have been violated, compromised and discriminated. I asked the alleged supervisor XXXX in the Fraud dept for information and she failed to give to me never once was my identity verified when giving information and I know all calls are recorded and on my end, I will be reaching out to my legal team if I don't get solidified information regarding my account and its security this has placed me and children and family at risk cause depend on the card for our necessities. this experience is by far unprofessional

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: TX

Complaint narrative:
ture accord trying to collect debt not mine. Contact has only my name on it not sign by me. Name printed on the contact too neat for my writing. Sales person on contact no longer with mattress co

Company response to consumer: Closed with explanation