vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-24 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:
Creditor Name : XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX and Transunion have been and are reporting inaccurate information on my credit report. I have been damaged and denied credit because of the inaccurate information reported by XXXX XXXX XXXX and Transunion. Transunion and XXXX XXXX XXXX have been and are reporting my account as managed by credit counseling program which is not true. I sent certified mail and provided the evidence ( the termination letter from the credit counseling agency ) to both Transunion and XXXX XXXX XXXX that this account was a regular account and not managed by credit counseling program since XX/XX/XXXX. I waited more than 30 days to have the verifiable proof from XXXX XXXX XXXX or Transunion of their inaccurate information reporting and I didnt receive it from both of them. Since neither XXXX XXXX XXXX nor Transunion have a verifiable proof of their inaccurate information and it has been more than 30 days since they received the dispute, according to Fair Credit Reporting Act 15 U.S. Code Sec. 1681i ( a ) the account mentioned above should be deleted immediately. Certified mail tracking number sent to XXXX XXXX XXXX onXX/XX/XXXX : XXXX. Certified mail tracking number sent to Transunion on XX/XX/XXXX : XXXX. Second certified mail tracking number sent to Transunion on XX/XX/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 explanation
Consumer complaint received 2017-06-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I purchased some items on XXXX and used a new comenity account. I want o make payments electronically. When you go to the comenity sight they require your checking account information i.e. Routing number and account number. I will not for security reasons give that to anyone. I wanted to make a full balance payment using PayPal. I had already agreed to go paperless before I found this out. If I ca n't pay it electronically I wo n't pay it for safety.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-24 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:
Creditor Name : XXXX XXXX Account number : # XXXX XXXX XXXX and Transunion have been and are reporting inaccurate information on my credit report. I have been damaged and denied credit because of the inaccurate information reported by XXXX XXXX and Transunion. Transunion and XXXX XXXX have been and are reporting my account as managed by credit counseling program which is not true. I sent certified mail and provided the evidence ( the termination letter from the credit counseling agency ) to both Transunion and XXXX XXXX that this account was a regular account and not managed by credit counseling program since XX/XX/XXXX. I waited more than 30 days to have the verifiable proof from XXXX XXXX or Transunion of their inaccurate information reporting and I didnt receive it from both of them. Since neither XXXX XXXX nor Transunion have a verifiable proof of their inaccurate information and it has been more than 30 days since they received the dispute, according to Fair Credit Reporting Act 15 U.S. Code Sec. 1681i ( a ) the account mentioned above should be deleted immediately. Certified mail tracking number sent to XXXX XXXX on XX/XX/XXXX : XXXX. Certified mail tracking number sent to Transunion onXX/XX/XXXX : XXXX. Second certified mail tracking number sent to Transunion on XX/XX/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 explanation
Consumer complaint received 2017-06-24 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: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
BMW claims I have or had an account that I do not recognize. I further state under penalty of perjury, that I do not owe BMW Financial any money. I have already completed and submitted an Affidavit and Police Report. The purchase contract sent to me by BMW shows not my signature, nor the correct address which should be obvious that there is something very wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Inquired about a cash advance XX/XX/XXXX.
Chase policy is max 20 % of credit line which {$25000.00}. Was told that I had an advance back in 2014 ... .for around {$4000.00} and wasn, t eligible for another one  because my balance was still the same.
my min due each month has been around {$300.00} ea month and I ALWAYS pay more than min due ... {$500.00} currently.
Why hasn, t my cash advance balance been reduced along with my purchase balance since I always pay over and above the min due each month?
Cash Advance interest 25 % / purchase charge is 12 % ... .I feel like a cash cow for Chase or the gift that keeps giving since I pay 25 % interest each month on a Cash Advance balance that NEVER reduces regardless how much I pay above the min due each month! THERE IS SOMETHING WRONG WITH THAT PICTURE!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
This complaint is a new of the same complaints have have done before I recive a later fro bank of america their new claimed that they did n't received my morgage payment I noticed this is the way they denied getting my payments onXX/XX/XXXX I send them 3 payment the claimed never received I recive a certified letter from bank of america lawyer harassing me at least that 's the way in this letter bank of america lawyer make me more sick than I am I started in my last complaint I do n't appreciate hearing from a lawyer of a bank I 'm trying to get help from as I said mostly lying for them. his lying starts this way he claimed I 'm the one that does n't want to get help by not turning paper work they need WRONG I can prove that. They claimed they got me a loan modification but their loan modification was only to benefit them by law a contract is supposed to be equal not force by the court my morgage balance is 356,000 my house is worth 240,000 where is the help there?? They claimed I did a bankruptcy, wrong, through their loan modification they have access to my financial issues they check my credit every time they want, wrong, my mental mud gets worse after I get any of their lawyer letter or they called police on me. I pay them their mortgage and they still send me a a bill that says I did n't pay them, wrong, I asked them to stopped charged me for their called home insurance ( PMI ) another way to rob people it did n't help me before onXX/XX/XXXX,  wrong, their response mostly wo n't answer me but the harassed me with their lawyer I stated this is some kind of XXXX discrimination harassment or if it 's not why their lawyer gor a simple complaint?????

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 2017-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
A bankruptcy is listed on my credit report. I explained in detailed on my attached letter what exactly is going on. I only communicate in writing with the credit reporting agency in case I need to file a civil case.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-25 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: TX

Complaint narrative:
In XXXX 2016, two ( 2 ) items were removed from my credit report, one for XXXX XXXX XXXX XXXX and one for XXXX XXXX XXXX. These items were deleted and were reinserted a couple of months later. I have disputed these items, requested verification as well as validation of these debts. These debts do not belong to me and I have been trying to get them corrected. I contacted Equifax and requested the procedure used to verify the accuracy of these items. According to the FCRA, the credit reporting agency should provided, upon request, the process used for verification. This process includes, but is not limited to, names of persons spoken to to verify debt, dates and times of said conversations, as well as any and all supporting documentation. When I asked the credit reporting agency, Equifax, for these items, they responded with a form letter stating that they are not required to supply these items. Their method of verification is electronic ( XXXX ) I am requesting an IMMEDIATE and PERMANENT deletion of the above said items, because they have not and can not be proven to belong to me. Equifax and refused and failed to properly investigate these items. This situation has dragged on for far too long with no attempts by Equifax to properly handle my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Stellar Recovery, Inc.
State: CA

Complaint narrative:
I returned all XXXX equipment in 2015 as the attached receipt shows. The collection agency Stellar Recovery has never validated the debt or attempted to contact me about this erroneous collection. This company is highly disreputable since they are knowingly using false collections and information to hurt ordinary Americans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
On XXXX XXXX 2017 my card was declined at XXXX XXXX. My account had well over {$200.00} in it. I phoned Bank of America to find out why my card had declined. The rep from Bank of America went over the transactions. I explained to the rep ( 4 ) of the charges were not mine. XXXX {$150.00} & {$76.00} and XXXX XXXX and XXXX charges all made on XXXX XXXX. I filed an online report with the XXXX City Police Department as well. XXXX responded two day later stating that I had to file a XXXX Co report where the charges took place.XXXX Co. referred me back to XXXX City because of the complaint against XXXX XXXX. I called back to the police department after Bank of America 's decision and I was told the report had to be place in person and not on site. Just a heads up - I used my card at XXXX XXXX drive thru on XXXX XXXX. The young lady held my card a little longer than normal in the drive thru. That Tuesday when I revisit XXXX 's the same young lady was fried on XXXX XXXX. For the same issue reported as mine. The problem is 1 ). I called Bank of America to dispute the charges immediately.On XXXX XXXX a rep from Bank of America called asking me about a statement I made in reference to the card being out of my possession. I explained if passing my card through the drive thru was out of my possession then I would have to say yes. By the end of the week I received a letter stating the claim had been closed. 2 ). I filed two police reports one online XXXX and one in person on XX/XX/2017. 3 ). Bank of America not once sent me or allowed me to fill out a claim form on paper. 4 ).  Bank of America automatically concluded that I made these changes with no explanation except no error was made and these charges were authorized basically calling me a liar. I followed what I thought was the right protocol. I 'm having a tough time with Bank of America, XXXX XXXX and even the police department. How could they possible come to a conclusion with no real facts? 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 2017-06-25 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: TX

Complaint narrative:
In XXXX 2016, two ( 2 ) items were removed from my credit report, one for XXXX XXXX XXXX XXXX and one for XXXX XXXX XXXX. These items were deleted and were reinserted a couple of months later. I have disputed these items, requested verification as well as validation of these debts. These debts do not belong to me and I have been trying to get them corrected. I contacted XXXX and requested the procedure used to verify the accuracy of these items. According to the FCRA, the credit reporting agency should provided, upon request, the process used for verification. This process includes, but is not limited to, names of persons spoken to to verify debt, dates and times of said conversations, as well as any and all supporting documentation. <P/>When I asked the credit reporting agency, XXXX, for these items, they responded with a form letter stating that they are not required to supply these items. Their method of verification is electronic ( XXXX ) I am requesting an IMMEDIATE and PERMANENT deletion of the above said items, because they have not and can not be proven to belong to me. XXXX and refused and failed to properly investigate these items. This situation has dragged on for far too long with no attempts by XXXX to properly handle my disputes.

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 2017-06-25 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: TX

Complaint narrative:
In XX/XX/2016, two ( 2 ) items were removed from my credit report, one for XXXX XXXX XXXX XXXX and one for XXXX XXXX XXXX. These items were deleted and were reinserted a couple of months later. I have disputed these items, requested verification as well as validation of these debts. These debts do not belong to me and I have been trying to get them corrected. I contacted XXXX and requested the procedure used to verify the accuracy of these items. According to the FCRA, the credit reporting agency should provided, upon request, the process used for verification. This process includes, but is not limited to, names of persons spoken to to verify debt, dates and times of said conversations, as well as any and all supporting documentation. <P/>When I asked the credit reporting agency, XXXX, for these items, they responded with a form letter stating that they are not required to supply these items. Their method of verification is electronic ( XXXX ) I am requesting an IMMEDIATE and PERMANENT deletion of the above said items, because they have not and can not be proven to belong to me. XXXX and refused and failed to properly investigate these items. This situation has dragged on for far too long with no attempts by XXXX to properly handle my disputes.

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 2017-06-25 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Real Time Group, Inc.
State: TX

Complaint narrative:
I bought my home in XXXX. There was a first lien and second lien on my home. In XXXX I lost my job and could not pay the second loan. The second loan was XXXX and now it 's XXXX. After speaking with my mortgage company at that time ( XXXX ), who holds the collateral, I was told that I could not lose my home if I continued to pay the first loan. I have struggled to make my payments to keep from losing my home. It 's been 12 years and now Real Time Solutions sent me an eviction citation with intent to foreclose on my property. They are the second loan which the banks have already written this judgement off but yet they are coming after me. I have a court date to go before the judge, Thursday, XXXX XXXX, at XXXX XXXX. I need help! I have nowhere to go! So unfair. The original company for second loan was XXXX, acct # XXXX, then sold to RTS. XXXX XXXX XXXX holds the collateral, acct # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-25 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: TX

Complaint narrative:
Contacted Equifax regarding validation of debt by XXXX XXXX XXXX , XXXX of XXXX, Texas. Received correspondence that the account was validated. However, when contacting XXXX XXXX XXXX for additional information by certified mail on XXXX XXXX, 2017 ( XXXX ), the company stated that they were unable to locate the referenced account. I provided them sufficient information regarding the account. How is it possible for Equifax to validate an account if the organization can not locate my account? Also XXXX XXXX XXXX, XXXX per their correspondence and the Texas Finance Code 392.101 does not have " Active '' status to engage in debt collection in the State of Texas. The law specifically state that ( a ) A third-party debt collector or credit bureau may not engage in debt collection unless the third-party debt collector or credit bureau has obtained a surety bond issued by a surety company authorized to do business in this state as prescribed by this section. A copy of the bond must be filed with the secretary of state. ( b ) the bond must be in favor of : ( 1 ) any person who is damaged by a violation of this chapter ; and ( 2 ) this state for the benefit of any person who is damaged by a violation of this chapter. The bond must be in the amount of {$10000.00}. During this time period XXXX XXXX XXXX XXXX has not been in a " Active '' but rather a " Cancelled '' status which removes the company from pursuing any alleged debt in Texas thus making Equifax in violation of Metro 2 compliance by validating a debt that is not collectible in the first place. I 'm requested that the five derogatory accounts be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-25 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: GA

Complaint narrative:
I have had several unsuccessful attempts with TransUnion to have accurate reporting reflect on TransUnion file. As well as, I have not received any information after the initation of an investigation. Issue : Third Party, XXXX, on the behalf of XXXX XXXX XXXX has reported rent payments submitted online to TransUnion. After contacting TransUnion and being advised to have XXXX resubmit reporting to TransUnion. TransUnion has still failed to update my TransUnion Credit Report to reflect the positive reporting. Please assist in having TransUnion to update my credit report reflecting the positive online rent payment reporting for the following Months : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. Attached are supporting documents to reflect the information from XXXX showing the months that were reported. Also, attached is the online and cashier check rent payments made to XXXX XXXX XXXX of XXXX starting from XXXX XXXX, XXXX to XXXX XXXX, XXXX. Please assist in resolving this matter quickly and having TransUnion reflect the positive reporting onto 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 2017-06-25 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Second Round Limited Partnership, Austin, TX Branch
State: GA

Complaint narrative:
this company serv ome court documents with out my knowledge, at th location wre i was not longer working. i have moved out the estate do to a family law case, in ordr to save myself and kids, iw as evicted from my house and they went and garnished my wages

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-25 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: TN

Complaint narrative:
XXXX XXXX XXXX XXXX has been running a hard credit check when I have NOT applied for credit and they have now done it twice and will not remove the information though I 've been in contact with them through a XXXX since XXXX XXXX and they were suppose to remove this and STOP and send me a letter stating that it has been removed! Not only is that inquiry still there but they did a new XXXX in XXXX XXXX!

Company response to consumer: Closed with explanation