vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-20 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: CA

Complaint narrative:
XXXX XXXX is the name of the company. I sold my house and closed escrow on XX/XX/XXXX. XXXX reported me late as far asXX/XX/XXXX after escrow closed. I was late once at most, not even 30 days late, and they counted it as 2 rolling lates which looks like 4 lates. They have ignored my pleas, calls, letters, and emails. Their company is changing in XXXX to the name XXXX XXXX mortgage and they do n't seem to care. I keep getting the run around, transferred, told to email, then mail, they promised action in 3-5 days, before that 7 business days.I was given an email address that was dead. No responses whatsoever. No response, no letter, no action. I am desperate as I am a XXXX XXXXXXXX trying to get a good home loan out of state. This derogatory information is making it very difficult. I thank you in advance for helping me with this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20 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 — Was not notified of investigation status or results
Company: The CMI Group, Inc.
State: NJ

Complaint narrative:
XXXX has multiple accounts with my social security number attached to them in states i have never resided in. as a result the debt collectors have reported them to my credit report which is hurting my credit. i contacted XXXX XXXX., the collectors. and the reporting agencies. to date nothing has changed after 6 months

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
In apr of 2017 I made a partial payment of {$300.00} to XXXX XXXX and then within and week or two made another partial payment for another {$300.00} to XXXX XXXX again. They are reporting that I am 30 days late making a payment when in actuality they do n't report anything to the credit bureaus because I filed bankrupt. I do realize they say the payment should have been made by the end of the month so they do n't report, but they have contradicted themselves now thus making my credit bad. I 'm just asking for a forgiveness letter since I have been a good customer and have not been in troubles with them. One person at XXXX XXXX tells me I 'm not late another says I am late. which one is it. I would like the situation rectified so that I can move forward rebuilding my credit. Thank you.

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 2017-07-20 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 — Problem with personal statement of dispute
Company: Credit Plus Inc
State: IN

Complaint narrative:
In apr of 2017 I made a partial payment of {$300.00} to XXXX XXXX and then within and week or two made another partial payment for another {$300.00} to XXXX XXXX again. They are reporting that I am 30 days late making a payment when in actuality they do n't report anything to the credit bureaus because I filed bankrupt. I do realize they say the payment should have been made by the end of the month so they do n't report, but they have contradicted themselves now thus making my credit bad. I 'm just asking for a forgiveness letter since I have been a good customer and have not been in troubles with them. One person at XXXX XXXX tells me I 'm not late another says I am late. which one is it. I would like the situation rectified so that I can move forward rebuilding my credit. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
In apr of 2017 I made a partial payment of {$300.00} to XXXX XXXX and then within and week or two made another partial payment for another {$300.00} to XXXX XXXX again. They are reporting that I am XXXX days late making a payment when in actuality they do n't report anything to the credit bureaus because I filed bankrupt. I do realize they say the payment should have been made by the end of the month so they do n't report, but they have contradicted themselves now thus making my credit bad. I 'm just asking for a forgiveness letter since I have been a good customer and have not been in troubles with them. One person at XXXX XXXX tells me I 'm not late another says I am late. which one is it. I would like the situation rectified so that I can move forward rebuilding my credit. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Management Partners, LLC
State: TX

Complaint narrative:
****resubmitting complaint XXXX for second account on my credit report as this was not sent to debt collector-file is blank****. In early XXXX, my husband and I began to investigate items on our credit reports. After seeing many strange items on our report - we went to the credit bureaus to initiate an investigation. Shortly after submitting a request for verification - We received a response from this RMP company in regards to 2 derogatory items on my credit report. Unfamiliar with the information that they sent me, and since I now had the contact information for the debt collector themselves.. i sent a letter ( attached ) to the creditor asking for further verification. When i asked for further verification to the collection company as to what this was and to verify that this belonged to me ... their response was that they were not required to verify twice. I am incredibly confused by the information that has been submitted to me and do not see how in any way this verifies that the debt was mine. I have been making payments on things that i have had in collections, attempting to do the right thing, but after further evaluation we have realized that we are paying on things that we thought were taken care of already, are old, or just are n't ours, and we are trying to figure it all out so that we can do the right thing. The paper trail does not make sense, and with the lack of and vague responses from the debt collector i am not confident that what is provided is accurate. RMP 's dismissal of my additional attempts to verify a debt that IS NOT MINE is unlawful. This item needs to be deleted by this debt collector as no further verification has been provided that this debt is in fact mine. RMP is being very suspicious in its collection of my debt in ignoring my request for additional verification and is not following the appropriate laws for assuring this debt is mine. It is unforgivable to not provide further information when requested. From my recollection of going to any doctors appointment, my id is scanned - both my id and my insurance card. RMP should be able to provide this at the bare minimum if this is truly mine. If this is not possible, some other form of validation needs to be provided- something with my signature at the least. This is hurting my score and causing my credit limits to be reduced on other accounts. I am very angry and upset with the amount of time this is taking. I should not have to work so hard to have something verified accurately. I genuinely am not sure this item is mine, and am asking you to verify this. I am frustrated that companies are still able to do so little and provide such little information while creating such a great amount of damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Three months ago I disputed bankruptcy and lien information that is listed on my credit report, XXXX  listed it as being verified but did not provided actual validation from the verified source. Effectively as of XXXX XXXX, the new consumer bill that propose changes to credit reporting and scoring. There are specific information that is required to determined the accuracy of what is being reported. After reaching out to the XXXX County Clerk of Record in my county regarding the information that is on my credit report and the process of how it is verified is by public inspection during working hours. No special provisions are made for reporting agencies. I would like concrete proof that these liens and bankruptcies are indeed accounts of mine, and promptly remove if not.

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 2017-07-20 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Three months ago I disputed bankruptcy and lien information that is listed on my credit report, XXXX  listed it as being verified but did not provided actual validation from the verified source. Effectively as of XXXX XXXX, the new consumer bill that propose changes to credit reporting and scoring. There are specific information that is required to determined the accuracy of what is being reported. After reaching out to the XXXX County Clerk of Record in my county regarding the information that is on my credit report and the process of how it is verified is by public inspection during working hours. No special provisions are made for reporting agencies. I would like concrete proof that these liens and bankruptcies are indeed accounts of mine, and promptly remove if not.

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 2017-07-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: FL

Complaint narrative:
Someone stole my identity and ordered products from XXXX XXXX. When I found out about this checking my credit report, I immediately contacted them and spoke with a supervisors and they said they will handle this. A couple months later they sold the debt to another company which is illegal because I informed them that it was n't me. The name of the new debt collector is Jefferson Capital System opened XXXX XXXX 2015. This has really affected my credit score and I requested them to send me the information they have on file for me and delete the fraudulent charges. The balance is {$2600.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-20 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
Our house was hit by a flood back in XXXX 2017, and we are located in the 100-year flood plain. The City of XXXX Code Enforcement ruled that our property was over 57 % damaged and could no longer be rebuilt. Because the City of XXXX ruled that no construction could take place at the property, we are unable to obtain any permits to legally build at the property or renovate. Our flood insurance kicked-in and wrote a check for {$100000.00} to Chase Bank for the damages. The principal amount that we still owe on the house is {$120000.00}. Chase received this check on Thursday, XXXX XXXX. We then requested that Chase apply this check towards the principal amount on the property, and that we would continue making payments until the balance was paid off. By applying this amount towards the principal, it would lower our payments and allow us to purchase another home we could live in, or possibly rent. On Thursday, XXXX XXXX, we were told that the payment towards principal had been approved. Today, on XXXX XXXX, we called into Chase to obtain the status of the payment, and we were met with very rude representatives who refused to help. They refused to apply the payment towards the mortgage and refused to provide us with any any explanation or direction on how we could use the money. My Mom, who had been dealing with the situation before I got home from work, was crying on the phone while the employees laughed. ( I heard this because she was on speakerphone at the time ) Collectively, we were transferred around to more than 11 employees over the more than 9 hours we spent on the phone with them this afternoon. As of today, XXXX XXXX, Chase is effectively withholding over {$100000.00} that could be applied to our principal to help us pay off the mortgage in a non-interest bearing account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
On XX/XX/XXXX I sent Trans Union and XXXX a Certified Letter About Unauthorized Inquiries On My Credit Report. They Came Back Verified On XX/XX/XXXX. I Do n't Recall Authorizing, I Understand That you Should n't Be Allows To Put An Inquire On My File Unless I Have Authorized It. I Have Contacted All Credit Bureaus And They Refuse To Move Them.I have also contacted the creditors and they have told to contact the credit bureaus. and it 's just back and forth who to dispute this with. I Sent Credit Bureaus Certified Letters. Inquiries : 1.XXXX XXXX XXXX XXXX 2.XXXX XX/XX/XXXX-XX/XX/XXXX 3.XXXX-XX/XX/XXXX 4.XXXX XXXX- XX/XX/XXXX 5.XXXX XXXX-XX/XX/XXXX 6.XXXX XXXX-XX/XX/XXXX 7.XXXX XXXX 8 . XXXX XXXX XXXX XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, I further remind you that, as in XXXX v. Trans Union Corp., No. XXXX ( XXXX XX/XX/XXXX ), you may be liable for your willful non-compliance. Failure to respond satisfactorily may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. )  Violations of the Fair Credit Reporting Act

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 2017-07-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PROVIDENT FUNDING ASSOCIATES
State: NJ

Complaint narrative:
I was in foreclosure after a severe XXXX XXXX  caused me to fall behind in payments. I received a grant from XXXX XXXX the amount of {$48000.00} to get me out of the rears and pay the next 5 months of mortgage payments as I continue to heal and get back to working full time. When the government agency asked Provident Funding for the amount I was in the rears, they paid my rears in full and made my XXXX payment. After Provident received the rears payment and mortgage payment, they reached out to the XXXX and said they had other monies owed from the lawyer and needed to be paid so I do not go back into the rears. I was not informed of this and when the government agency told me, I thought it was odd that my mortgage company never sent me any info on this so I asked them. The Sheriff 's Auction/auctioneer fees were {$4900.00} along with other fees. When I asked the mortgage company about it, they told me that what the lawyer sent. Since this was a little on the high side since it never went to auction, I called the sheriff 's office, my fees charged was {$2400.00}. Now I call the law firm and I 'm told the mortgage company is lying and was never sent a legal bill yet. So Povident called the government agency, demanding more money for a legal bill they never received or paid out with amounts they made up. If this is not illegal I think it should be. This additional money paid out was to go to XXXX and XXXX mortgage payments. I do n't understand how they can give an amount to get current only to come back after being paid to tell a government agency you now owe more to be current and they also sent me a bill to be insured by their insurance company over {$1000.00} for 6 months when they already paid my personal homeowners policy. I no longer trust them, I would have not known I owed any other monies if the government agency did n't call me and the money they took were double what I was being billed by the lawyer ... ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I overdrafted my account and i was charged {$410.00} once i received my check deposit. My check was {$1300.00} so PNC took roughly 1/3 of what i was paid. I admit that i overdrafted and understand a fee being charged but not any amount that exorbitant. I called PNC on X/XX/17 and a male told me I had valid points and my money would likely be refunded. He escalated my call and XXXX called me X/XX/17. She told me there was nothing they could do. She said it was unfortunate that i did not know i could opt in or out of overdraft protection. I was opted in without my knowledge. That meant that PNC charged {$36.00} per transaction per day. This was never explained to me. Otherwise, I would have never agreed. I would like to only be charged what overdraft fees i owe and would like any additional money PNC took from my account to be refunded. My account is now closed and I am now banking with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Eagle Home Mortgage, LLC
State: TX

Complaint narrative:
I was told my eagle home mortgage on XXXX that I am conditionally approved for a loan to purchase a new XXXX XXXX. I provided all the conditions they needed and thought everything was good to go. Then on XXXX which is 3 days before closing they told me I am now not approved because I have not been with my current job for 6 months. This is information they already had since day 1. They have wasted my time when I could have gone with another lender to begin with. Now I wont be able to close on my home and potentially lose out on the house all together because of their incompetence and lack of communication. Throughout the entire process that was started with pre approval on XXXX they have not been forthcoming in communicating with me. When I would ask for an update I would get excuses as to why my loan wasnt being worked on or further along. I have been told everything from management issues to was on vacation. I feel like they have caused me unnecessary stress and wasted my time.

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 2017-07-20 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: FIRST NATIONAL BANK OF OMAHA
State: LA

Complaint narrative:
FNBO was included in my husband 's bankruptcy case. A discharge was ordered. FNBO forwarded by file to a collection attorney. My attorney wrote 2 letters for which FNBO attorney responded he would withdraw the negative remarks on the credit bureaus and close out the case as it was discharged. FNBO bankruptcy department REFUSES to honor the bankruptcy discharge and ignore repeated communication with them. The supervisor, XXXX in the Bankruptcy department stated " They can do whatever they want. She does n't have to follow the rules. I should have been responsible ''. FNBO has my credit bureau noted as collections-charge off with a balance and late payments since discharge. I have attempted to dispute the entries in my credit reports. The credit bureaus note the dispute as " consumer disagrees ''. The constant incorrect reporting has effected my credit score and has not allowed for fair rebounding of a bankruptcy. I have endured high interest rates and been denied credit due to the incorrect reporting. All written communication has been ignored and the bureaus have not been corrected. During my communication with FNBO I have informed them, I reside in a community property state for which only one spouse needs to file bankruptcy. My husband case number was provided and XXXX said " to bad '' that is n't my bankruptcy. I attempted to explain to several employees on several occasion their attorney dropped the case. The response was and is each time I call them, collection can be dropped but they can still report how they want to the credit bureaus. Copies of the letters mailed along with discharge papers will be attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20 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: AmeriCollect
State: FL

Complaint narrative:
I am filing this complaint because Americollect has iqnored my request to provided me with the documents that their company has on file that was used to verify the account I disputed. Being that they have gone past 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to promptly delete all information which can not be verified that I have disputed. Please resolve this manner as soon as possible. Thank you To provide accurate information showing my original signature that this debt belong to me. If not provide this need to get delete from all credit bureau reporting this false debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation