vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-18 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: NC

Complaint narrative:
I would like TransUnion to have a copy of my identity theft report along with my ID and Social Security number and I would also like an extended fraud alert place on my credit file for the next seven years. I would like TransUnion to remove a collection account ( XXXX XXXX XXXX ) that I have included in my identity theft report that is fraud. 

Thank you for Transunion time out to look into my credit file.

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 2018-06-18 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:
I disputed 2 accounts of XXXX, those accounts are paid for an amount od {$18000.00}, my credit score went down instead of foing up why? ( Equifax ) (

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: General Motors Financial Company, Inc.
State: OH

Complaint narrative:
Hello My name is XXXX XXXX. I have a lease with GM Financial account # XXXX. 
I have add several issues with GM Finacial reporting incorrect information during this lease. Now that I am towards the end of my lease and will not be getting another car with GM Financial due to them reporting inaccurate information and delayed responds on issues. 
-Currently they have my credit reflecting that I have Two Cars in my Name with them which caused me to be denied finance a home and a early trade in option. 
I only have 1 car which is a XXXX XXXX opened XX/XX/XXXX balance {$3600.00} -I recieved an alert that a new lease was open in my name as of XX/XX/XXXX This is unexecptable i have not open any new credit with GM Financial .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-18 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: URS Holding, LLC
State: FL

Complaint narrative:
On XX/XX/2018, at the suggestion of the agent for XXXX, a XXXX of XXXX XXXX, I sent via email ( address given by him ) a detailed letter and revised 'RIE ' form, attached here. 

After some weeks, I got a call from XXXX XXXX of that firm which I returned the next day. 

He was belligerent and interrupted me when I told him that the figure his QC 'people ' had arrived at was neither reasonable or affordable ; he refused to give me anything in writing at which point I terminated the call. 

He has violated their own Manual, attached ; furthermore, XXXX XXXX own materials speak of 'monthly payments as low as {$5.00} .... ', a category that suits my disclosed income and expenses. As importantly, when I pointed out that no one had requested me to document each item -- which I then and now am prepared to do -- he demurred, simply repeating that his 'supervisor would tell me the same thing ' -- i.e., that I had to pay $ XXXX  monthly vs. the {$99.00} he had previously quoted on a then current RIE form.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX

Complaint narrative:
The debt collector is trying to collect more than what is owed by charging daily interest to the balance owed and reporting it on my credit report. The initial payment has increased over 300 dollars from the original debt amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18 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: MN

Complaint narrative:
This is about the three major credit agencies and the errors I can not get fixed. 

On XX/XX/XXXX I closed my XXXX cell phone account after repeated and egregious fraudulent charges went unaddressed. I opened an account with another service. My bill was paid. Their bills continued to accrue even though I not only no longer had service with them, AND had been billed for and paid charges for months in advance, AND confirmed that I owed nothing online with a chat rep and downloaded a document which Ill include, yet they continue to report a delinquent account on all three credit bureaus : Experian, XXXX and XXXX. 

Ive tried correcting this with those agencies but they either have online forms that are hosted on sites that break down, or they seem to do nothing. 

In addition, all three agencies are listing hard inquiries, some twice, on the same datesXX/XX/XXXXXX/XX/XXXXand XX/XX/XXXX when I applied for a car loan online and then with XXXX not knowing single applications would go to multiple banks : XXXX XXXX XX/XX/ Consumer portfolio XX/XX/ and again XXXX XXXX XX/XX/18 XXXX XX/XX/18 Among others. 

Also, they all list me as having no credit history yet I paid XXXX XXXX XXXX for three years on time. When they sold it to XXXX XXXX they also list me as current. 

Addresses are wrong, places Ive never heard of are listed as former homes.

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 2018-06-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On or about XX/XX/XXXX I filed a complaint against my XXXX & XXXX credit card. The statements had incorrect info on them-causing me to miss the chance to enter a payment plan w them. They responded to complaint w an apology & offered to help me get into a payment plan. After MONTHS of them trying to figure out the right person of contact & getting my account out of a 3rd party collection, they set me up w a payment plan. I was told that I could make payments in the store. On several occasions, when going into the store or calling the payment in-the representative was unable to locate my acct & could not take my payment. I emailed XXXX XXXX to inform her & she directed me to contact another dept. I was then able to make my payment. However, once again in XXXX/XXXX I was unable to make my payment. The account could not be located. I tried the number I was given by XXXX XXXX, but it was not a working number. I tried calling another dept, & emailing asking for help. I sent in 2 payments, via mail. The payments were never processed. I have tried calling to correct the problem so many times. But I have not been able to speak with someone who can locate my account information. I have now been receiving letters and calls from collection companies, threatening to report 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 2018-06-18 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/2018 and XX/XX/2018 I wrote Experian about an account that is improperly and inaccurate and with old information. I have not received any response or that the account is deleted. 

1. I sent a letter to XXXX Loans with the address that was provided on my credit report from Experian, a few days later I received the letter back because it was undeliverable. Experian is not allowed to report anything they know to be false including addresses. I disputed the item/account and it is still being reported on my Experian Credit Report inaccurately. 

2. Given that the furnisher ( XXXX Loans ) has provided false information to Experian about me, and provided Experian with a false address, I am demanding that the item ( XXXX Loans ) they are reporting be removed immediately.

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 2018-06-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: IN

Complaint narrative:
XXXX XXXX is contacting me regarding a debt they are claiming I owe, date of service starting XX/XX/2014. I replied to them that I was stationed in XXXX XXXX, AL until XX/XX/2014 and was not in the same state that the service was rendered. They are demanding my social security number, a police report identifying a suspect, and a utility bill proving my location. 
I advised that the XXXX does not provide utility bills when you are stationed in the barracks. I have my XXXX proving I was in XXXX XXXX AL until XX/XX/2014 and I have provided my bank statements showing that I was using the XXXX XXXX until early XX/XX/2014, proving that I could not have been in the same state they claim the services were opened. They are claiming the debt has been " verified '' - they have sent me paperwork with the wrong address, the wrong telephone number, and an illegible signature they claim is mine. I have provided multiple documents proving that my address had changed and that I was nowhere near the service location at that time. I have disputed this debt with all three credit reporting agencies and they have removed this debt from my account. However XXXX XXXX continues to harass me regarding this debt and will not respond to my questions regarding confirming or denying the debt.

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 2018-06-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Security Credit Services, LLC
State: GA

Complaint narrative:
This debt was actually included in a chapter XXXX bankruptcy which has been discharged. After numerous attempts with via phone and email to the debt collector and also with the credit bureau this issue still remains on my credit report as a collection account with a past due balance. The amount of the collection is {$820.00}. The date of the initial debt was XX/XX/016.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: National Recoveries, Inc.
State: PA

Complaint narrative:
I was lied to by national recoveries inc about what my payment options were, advised to send my husband 's income with out his authorization. I was told I had to pay XXXX dollars a month and get garnished. I am now approved for a consolidation I took out with out the collection agencies help because they said I did not qualify. The never returned my calls and left me feeling like I had accept the garnishment or pay XXXX a month which would have put me in a financial hardship.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
The complaint is Bank of America removing the standard 1 month grace period from our credit card purchases when we tried to save money by using one of Bank of America 's 0 % balance transfer offers. This has now cost us {$260.00} if interest that would not have existed if we hadn't tried to " save money. '' On XX/XX/2018 due to the card 's more competitive rate, we decided to make our Bank of American Mastercard ( BofA MC ) our primary credit card. 

To make things easier, we transferred our other credit card balances to BofA MC for 1 year of 0 % interest. They charged us $ XXXX {$42.00} ( {$96.00} dollars ) for the " special '' transfers, so it is no really 0 % it is 4 %. Then they begin charging immediate interest on our other new purchases. Even with us paying our normal payments on time, we have faced {$200.00} of interest that would have been {$0.00} before the special offer. This should be crime. 

When taking the 0 % deal, all the agent had to say was ... '' this will remove your grace period on new purchases, are you sure you want that? '' Instead, he just kept saying do you understand you'll be charged interest at 12.49 % on new purchases ... And I thought " of course, thats how it always works. '' So I agreed. The language BofA used is meant to trick people. 

We stopped using the card as soon as we realized their actions, but would like to be reimbursed and this " bait and Switch '' to be stopped. 

When I spoke to Bank of America about my displeasure, they acted like it was just too bad for my family and offer no resolution!!

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 2018-06-18 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: World Acceptance Corporation
State: KY

Complaint narrative:
XX/XX/XXXX went to XXXX XXXX in XXXX, Ky to get a {$2500.00} loan. They used my XXXX XXXX and personal property as collateral. Before arriving I told them I did not want any credit insurance. They told me there was none on the loan. I get there and they start going over the paper work and asked who I wanted as my beneficiary for credit life. Told them credit insurance was not supposed to be on the acct, they said it was only {$46.00} and had already did the paper work so I took it even thought I didn't want it so they didn't have to redo all the paper work. When I get home and my girlfriend looks over the paper work she noticed there was personal property insurance with a premium of {$280.00}. Since it was after XXXX XXXX Friday night I called today Monday XX/XX/XXXX and talked to XXXX and told her I didn't want any credit insurance at all and she said it was required on the loan. It is not required on the loan and she didn't disclose that it was included in my loan. She skipped over that part of the contract. She refused the cancel it. The terms of the note was not disclosed to me and credit life and personal property insurance was forced without my knowledge and I am being charged interest on insurance I didn't want and they knew I didn't want it. Went to get a {$2500.00} loan and ended up financing {$2900.00} without knowledge because she ( XXXX ) skipped over that part of the note. I called the insurance company to cancel the insurance and they referred me XXXX at XXXX XXXX home Office who said that she did not know the laws and I would have to contact the branch who had already forced insurance on my loan without my knowledge and refused to cancel it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Servis One, Inc., Titusville, PA Branch
State: IA

Complaint narrative:
Our current mortgage was with XXXX XXXX. We received a letter stating our mortgage loan was sold to BSI Financial services. XXXX XXXX informed us within the 15 days our loan was being sold to XXXX XXXX. XXXX XXXX would start servicing our loan XX/XX/2018. It is now XX/XX/2018 and we have not received any type of letter informing us that they are our new servicer. 
A gentleman has called us but he only asked us what was our plans pertaining to the house. ( yes, we our behind on our mortgage but filing bankruptcy with plans to keep the house ) I asked him where our introductory letter was as that is required by law? No response. XXXX has failed to follow the law in regards to the sale/transfer of a mortgage. 
Please inform myself what my rights are under the law and who I contact to pursue action against XXXX. Such as what type of attorney ( real estate attorney etc.. ) As I plan to pursue to the fullest extent of the law. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18 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:
To : Consumer Disputes and Compliance Dept, This letter is a formal complaint that you are reporting false, incorrect credit information. 

I am really distraught that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. It is your companies duty that every step must be taken to assure the information reported is completely accurate and correct.These items below are not correct and are keeping me from from purchasing my 1st home. 

I would like these items immediately re-investigated as the items below are erroneous, inaccurate, incorrect and falsely reported accounts. 

1. Loan was deferred and should not be showing late payments XXXX   Account Number : XXXX Student Loan was deferred XXXX, XXXX, XXXX and XXXX, in XX/XX/2016 and was never late. Please update this item to reflect no late payments. 

2. Loan was deferred and should not be showing late payments XXXX   Account Number : XXXX Student Loan was deferred XXXX, XXXX, XXXX and XXXX, in XX/XX/2016 and was never late. Please update this item to reflect no late payments. 

3. I am the wrong consumer for this item. This is not mine XXXX XXXX XXXXXXXX XXXX XXXX/XXXX/XXXX Account Number : XXXX This is not my student loan and should not be on my credit report. This belongs to someone else. Please provide proof of a contract signed by me or remove it 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 2018-06-18 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:
To : Consumer Disputes and Compliance Dept, This letter is a formal complaint that you are reporting false, incorrect credit information. 

I am really distraught that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. It is your companies duty that every step must be taken to assure the information reported is completely accurate and correct.These items below are not correct and are keeping me from from purchasing my 1st home. 

I would like these items immediately re-investigated as the items below are erroneous, inaccurate, incorrect and falsely reported accounts. 

1. Loan was deferred and should not be showing late payments XXXX   Account Number : XXXX Student Loan was deferred XXXX, XXXX, XXXX and XXXX, in XX/XX/2016and was never late. Please update this item to reflect no late payments. 

2. Loan was deferred and should not be showing late payments XXXX   Account Number : XXXX Student Loan was deferred XXXX, XXXX, XXXX and XXXX, in XX/XX/2016and was never late. Please update this item to reflect no late payments. 

3. I am the wrong consumer for this item. This is not mine XXXX XXXX XXXXXXXX XXXX XXXX/XXXX/XXXX Account Number : XXXX This is not my student loan and should not be on my credit report. This belongs to someone else. Please provide proof of a contract signed by me or remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18 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:
To : Consumer Disputes and Compliance Dept, This letter is a formal complaint that you are reporting false, incorrect credit information. 

I am really distraught that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. It is your companies duty that every step must be taken to assure the information reported is completely accurate and correct.These items below are not correct and are keeping me from from purchasing my 1st home. 

I would like these items immediately re-investigated as the items below are erroneous, inaccurate, incorrect and falsely reported accounts. 

1. Loan was deferred and should not be showing late payments XXXX   Account Number : XXXX Student Loan was deferred XXXX, XXXX, XXXX and XXXX, in XX/XX/2016and was never late. Please update this item to reflect no late payments. 

2. Loan was deferred and should not be showing late payments XXXX   Account Number : XXXX Student Loan was deferred XXXX, XXXX, XXXX and XXXX, in XX/XX/2016and was never late. Please update this item to reflect no late payments. 

3. I am the wrong consumer for this item. This is not mine XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX Account Number : XXXX This is not my student loan and should not be on my credit report. This belongs to someone else. Please provide proof of a contract signed by me or remove it 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 non-monetary relief