vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-10 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: NV

Complaint narrative:
Almost a year and 1/2 ago I contacted XXXX XXXX to let them know that I was sick due to XXXX and that my income was affected and I had no money to pay the card and that I needed to request XXXX assistance. They told me that I was two weeks too late to qualify for their XXXX Assistance Program. I also tried to explain to them that I had a lot of difficulting trying to get through to them on the phone for those two weeks. They said it was too late and that there was nothing that they can do to help me anymore. They closed my account and reported me ( 30 ) Days late for XXXX, XXXX, and XXXX XXXX. 

I disputed the late payments with XXXX sighting XXXX with no success. 

I continued to pay my card for the next 12-13 months on time and I just made the last payment of {$3000.00} to pay off the card on XX/XX/XXXX. I called XXXX XXXX today XXXX XX/XX/XXXX, asking them to please remove the late payments now that I paid off the card. They said there was nothing they can do to help me. 

Then I tried disputing the Late Payments with XXXX online today as well, it was automatically electronically rejected. The program said ; " Looks like you've already filed a dispute for this item Under Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act we won't process a duplicate dispute '' So, I called XXXX and an XXXX Dispute Specialists advise me to contact you on this, he said that if needed to contact them back if I had additional information and when calling, use Report # XXXX. 

I was told that this would stay on my credit report for an additional 5 or 6 years. I really need your help as this is and will continue to affect me and my family financially with higher interest rates on credit cards and loans. Can you please help me get these three ( 30 ) Day Late Payments off 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
Consumer complaint received 2021-12-10 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: NV

Complaint narrative:
Almost a year and 1/2 ago I contacted XXXX XXXX to let them know that I was sick due to XXXX and that my income was affected and I had no money to pay the card and that I needed to request XXXX assistance. They told me that I was two weeks too late to qualify for their XXXX Assistance Program. I also tried to explain to them that I had a lot of difficulting trying to get through to them on the phone for those two weeks. They said it was too late and that there was nothing that they can do to help me anymore. They closed my account and reported me ( 30 ) Days late for XXXX, XXXX, and XXXX XXXX. 

I disputed the late payments with XXXX sighting XXXX with no success. 

I continued to pay my card for the next 12-13 months on time and I just made the last payment of {$3000.00} to pay off the card on XX/XX/XXXX. I called XXXX XXXX today XXXX XX/XX/XXXX, asking them to please remove the late payments now that I paid off the card. They said there was nothing they can do to help me. 

Then I tried disputing the Late Payments with XXXX online today as well, it was automatically electronically rejected. The program said ; " Looks like you've already filed a dispute for this item Under Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act we won't process a duplicate dispute '' So, I called XXXX and an XXXX Dispute Specialists advise me to contact you on this, he said that if needed to contact them back if I had additional information and when calling, use Report # XXXX. 

I was told that this would stay on my credit report for an additional 5 or 6 years. I really need your help as this is and will continue to affect me and my family financially with higher interest rates on credit cards and loans. Can you please help me get these three ( 30 ) Day Late Payments off my credit report?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 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: NV

Complaint narrative:
Almost a year and 1/2 ago I contacted XXXX XXXX to let them know that I was sick due to XXXX and that my income was affected and I had no money to pay the card and that I needed to request XXXX assistance. They told me that I was two weeks too late to qualify for their XXXX Assistance Program. I also tried to explain to them that I had a lot of difficulting trying to get through to them on the phone for those two weeks. They said it was too late and that there was nothing that they can do to help me anymore. They closed my account and reported me ( 30 ) Days late for XXXX, XXXX, and XXXX XXXX. 

I disputed the late payments with Experian sighting XXXX with no success. 

I continued to pay my card for the next 12-13 months on time and I just made the last payment of {$3000.00} to pay off the card on XX/XX/XXXX. I called XXXX XXXX today XXXX XX/XX/XXXX, asking them to please remove the late payments now that I paid off the card. They said there was nothing they can do to help me. 

Then I tried disputing the Late Payments with Experian online today as well, it was automatically electronically rejected. The program said ; " Looks like you've already filed a dispute for this item Under Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act we won't process a duplicate dispute '' So, I called Experian and an Experian Dispute Specialists advise me to contact you on this, he said that if needed to contact them back if I had additional information and when calling, use Report # XXXX. 

I was told that this would stay on my credit report for an additional 5 or 6 years. I really need your help as this is and will continue to affect me and my family financially with higher interest rates on credit cards and loans. Can you please help me get these three ( 30 ) Day Late Payments off 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 2021-12-10 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: LEXISNEXIS
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX SS XXXX XXXX XXXX NOTICE " I AM NOT AN ATTORNEY NOR AM I A THIRD PARTY! '' I am filing a CFPB COMPLAINT BECAUSE IT IS MY LEGAL RIGHT TO DO SO!!! 
I was recently WAS OUT OF THE COUNTRY. I just now have got back to work. I discovered that my credit file has over 2 inquires for transactions that were never authorized by me. I have only XXXX XXXX as my only business dealings. I would never run my credit 2 times that is insane and unnecessary. Please delete the following inquires Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681b et seq. ) I never made these inquires : XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX not sure who approve this or even made these inquires. This is the 2nd time I have complained about this account on my credit report it is not accurate and was never verified according to the FCRA guidelines 623,611

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: AR

Complaint narrative:
This case was closed negligently by Chase. I AM BEING CHARGED FOR SOMETHING THAT I DID NOT AUTHORIZE THROUGH A THIRD PARTY! I have a receipt from the merchant who was authorized to charge my card. JP Morgan Chase is allowing a third party to draw my account into the negative and when I filed a complaint with CFPB, I received a letter of threat to close the account. On XX/XX/2021, my Chase checking account was charged {$290.00} by a third party, XXXX, for XXXX XXXX XXXXXXXX XXXX. I paid {$190.00} ; receipt provided. My account has now been in the negative since XXXX, my money has been illegally ( per the FTC rules for disputes ) to a third party! Chase advised me that the case is closed, and they will not reopen it. I would like to see the " proof '' that Chase is referring to. I spoke with XXXX XX/XX/2021, in the Chase executive office who did the routine callback and never returned a call. If XXXX had the " authority '' to use my debit card, then why did XXXXXXXX XXXX swipe it for another amount?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ark-La-Tex Financial Services, LLC
State: TX

Complaint narrative:
The end of XXXX, 2021 I got XXXX and had to miss work. I contacted the company at some point and explained to them that I was going to have an issue getting my mortgage for the month paid and asked if there was something we could do so that I would not get behind, ( such as apply the payments to the end of the mortgage ) I was told that they had something that could help me, and forwarded me to another department. When talking to this lady, she asked questions and I was feeling confident that we could get this worked out, and she told me that because I didn't lose my job I wouldn't qualify. I didn't have vacation or sick days, so I wasn't paid while I was out sick. I sold items to get the money to get caught up. my payments are due on the XXXX of each month, and I only get paid once a month on the XXXX. I was told that as long as the payments were paid by the XXXX of each month I would be good. Most of the time my pay checks are in my account by then and I can get it paid. I contacted the company after my first late fee and discussed getting it taken off and was told that because I was not caught up they couldn't take it off. I have contacted Benchmark on many occasions trying to avoid messing with my credit. I am a veteran, I am doing my best to get caught up. Being in the hospital and trying to recover and pay what bills I can. I realize that yes, I did pay late, but I called and tried to stop the negative remarks on my credit. I have worked hard to keep my cred it decent and the negative report of my being late twice is impacting my credit score. the loan is Benchmark, # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 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: TX

Complaint narrative:
My complaint is about the wrong accounts found on my credit report. These fraudulent and illegal accounts do not belong on my credit report. I have contacted the Bureau directly and tried to solve this matter with them but theyre continuous neglect can no longer be tolerated. This is a serious error, and it needs to be investigated and deleted. I will attach a photocopy of my Drivers License and Social for identification purposes only! The accounts that I need removed are as follow : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX I appreciate you removing these ILLEGAL accounts. 
Sincerely, 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 non-monetary relief
Consumer complaint received 2021-12-10 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 — Was not notified of investigation status or results
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I received a letter from my original mortgage lender Bank of America ( BoA ) dated XX/XX/2021 which indicated that they were transferring my loan to Nation Star d/b/a XXXX XXXX. This letter stated that the change in servicer would not affect my credit score but it indeed has. This change has caused a XXXX plus points drop in my credit score across all three credit reporting bureaus. On XX/XX/2021, I contacted BoA and XXXX XXXX to file a dispute and the reps told me that the change in servicer should not affect my credit score. XXXX XXXX rep stated that I would receive a result of their investigation within 7 days - I have not received anything from them other than my issue requires further investigation. I also filed disputes with each credit reporting bureau. XXXX and XXXX notified me that the results of my disputes were complete but when I log in to see the results there is nothing there, to show that anything was done. I am desperately seeking help to resolve this matter and I have never paid my mortgage late and now this change has caused such a drastic decrease in my credit score. Please help!

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 2021-12-10 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX SS XXXX XXXX XXXX NOTICE " I AM NOT AN ATTORNEY NOR AM I A THIRD PARTY! '' I am filing a CFPB COMPLAINT BECAUSE IT IS MY LEGAL RIGHT TO DO SO!!! 
I was recently WAS OUT OF THE COUNTRY. I just now have got back to work. I discovered that my credit file has over 2 inquires for transactions that were never authorized by me. I have only XXXX XXXX as my only business dealings. I would never run my credit 2 times that is insane and unnecessary. Please delete the following inquires Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681b et seq. ) I never made these inquires : XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX I am not sure who approve this or even made these inquires. This is the 2nd time I have complained about this account on my credit report it is not accurate and was never verified according to the FCRA guidelines 623,611

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 2021-12-10 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX SS XXXX XXXX XXXX NOTICE " I AM NOT AN ATTORNEY NOR AM I A THIRD PARTY! '' I am filing a CFPB COMPLAINT BECAUSE IT IS MY LEGAL RIGHT TO DO SO!!! 
I was recently WAS OUT OF THE COUNTRY. I just now have got back to work. I discovered that my credit file has over 2 inquires for transactions that were never authorized by me. I have only ALLY FINANCIAL as my only business dealings. I would never run my credit 2 times that is insane and unnecessary. Please delete the following inquires Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681b et seq. ) I never made these inquires : XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX I am not sure who approve this or even made these inquires. This is the 2nd time I have complained about this account on my credit report it is not accurate and was never verified according to the FCRA guidelines 623,611

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 2021-12-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My complaint is about the wrong accounts found on my credit report. These fraudulent and illegal accounts do not belong on my credit report. I have contacted the Bureau directly and tried to solve this matter with them but theyre continuous neglect can no longer be tolerated. This is a serious error, and it needs to be investigated and deleted. I will attach a photocopy of my Drivers License and Social for identification purposes only! The accounts that I need removed are as follow : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX I appreciate you removing these ILLEGAL accounts . 
Sincerely, 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 non-monetary relief
Consumer complaint received 2021-12-10 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: NY

Complaint narrative:
I have attempted several times to get inaccurate items removed from my credit report. Transunion has repeatedly ignored and dismissed my claim. I have finally submitted my actual identity theft report along with the laws that states these things are to be blocked/removed from my credit report I am awaiting a response from Transunion about this matter. I will also submit my proof here so that it is on the record.

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 2021-12-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: OH

Complaint narrative:
Have an issue for paying the rest of the mortgage because of the covid-19 and i will be great if i can see any help thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: McCarthy, Burgess & Wolff, Inc.
State: CA

Complaint narrative:
I have received another debt collection letter from McCarthy Burgess and Wolff in the amount of XXXX. 
XXXX XXXXXXXX XXXX XXXX on XXXX/XXXX/2021 and then I received collection letter dated XXXX/XXXX/2021. ( approximately 20 days ) there is no balance on the account XXXX as it stands now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 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: NY

Complaint narrative:
I have made several request for Experian to remove a number of items from my consumer credit report, Experian has refused to remove a number of my request. Experian removed a few of the items after not being able to verify them. I am still struggling with them about certain items. I recently sent proof of my identity theft report as well as the laws stated/backed by FTC about removing/blocking items at the request of the consumer who is a victim of identity theft. I will submit my proof here as well as I am seeking my fair right as a consumer to have these items removed. The items are 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 non-monetary relief
Consumer complaint received 2021-12-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Okay so basically for some reason td bank decides to put a restriction on my account and notes they going to close it so I cant collect my funds to hold restriction out on by the XXXX  demarketing team which need to be the ones to give the ok to remove it so yeah I went to the branch for verified the branch worker sent a email out they have lifted the restriction yet so they can pay me out my funds and this is a problem I need help collecting my funds

Company response to consumer: Closed with non-monetary relief