vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-16 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: GA

Complaint narrative:
XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX   XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX XXXX, XXXX XXXX are not my responsibility.. Credit bureaus failed to give me the result of their investigation, Not to mention they will not give me an explanation as to why they wont overturn or delete this erroneous inaccurate claim that has affected my credit score tremendously. I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP

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 2018-10-16 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: Oklahoma Motor Credit Company
State: OK

Complaint narrative:
I had an auto loan with Oklahoma Motor Credit Company, I got behind on it and had to work with their attorney to get the balance paid off before they repo the vehicle. Which I did, in XX/XX/2015. I received a balance in full letter and account closed. Now, I'm trying to purchase a house and when I had my credit pulled, this company is showing a XXXX balance and a monthly payment of XXXX plus it's a charge off account with current delinquencies. I attempted to contact them and they refuse to speak with me, stating that they doesn't have to talk to me regarding this account and hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I called XXXX XXXX  the last week of XXXX and the first week of XX/XX/2018 in an attempt to try to pay the past due balance of {$3500.00}. When I reached out to them they told me that the debt was too old and they can't receive payment from me. I was told the account had been forwarded to their legal department and reported it to the IRS and legal action was being taken. Then I was told the account had been sold. When I asked who was the third party it had been sent to, I was first told was unknown then I was told that I could not get that information and had to wait to be contacted. I am currently still waiting to be contacted and have not heard anything from anyone but they keep negatively reporting it on my credit report every month despite my attempts set up arrangements to pay 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 2018-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
( 9 ) Transunion Credit Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was a VICTIM of Transunions " Inquiry Issue '' and have listed above, the inquiries requested to be deleted. Their customer service would not help and take care of these negative inquiries that are reporting on 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 2018-10-16 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: CMRE Financial Services, Inc.
State: TX

Complaint narrative:
On Friday XX/XX/XXXX I contacted the XXXX XXXX XXXX XXXX office in XXXX XXXX, TX at XXXX. I spoke with a representative in reference to a medical bill for son thats reporting on my credit report in the amount of {$770.00} from a hospital visit on XX/XX/XXXX. I asked the rep if she could provide me with the information of the insurance they billed for payment so I can try to understand why this account is now in collection. She told me she was busy and had to look for that information. I called back again at XXXX and she told me again that she was busy and would call me once she found the information. I called XXXX XXXX XXXX and XXXX for an Explanation of Benefits for dates of service XX/XX/XXXX and only XXXX had one. XXXX denied the claim due to other health insurance which is correct because XXXX XXXX XXXX is my sons primary insurance and XXXX is secondary. I stopped by in person the XXXX Hospital and got a detailed hospital visit from that date of service as well as spoke to billing about the hospital bill and physicians bill. The billing rep told me the hospital billed for their portion but was not able to let me know about the physicians because they only handle the hospital portion. He was able however to tell me who to contact about the physicians bill. One I called the office that handled the physician bill they explained to me they did not have a bill for the dates of service in question. I the contacted CMRE which is the credit collections agency and told them that the company they are collecting for did not bill my insurance correctly and I legally can not be held responsible for that. I sent the Explanation of benefits to them and they are now investigating it. Ive tries several times to disputed this account with XXXX  but they keep stating the account is good. Im curious to know how they closed a disputed so quicky when they are required to reach out to the agency to prove validity of the account. I know for a fact they didnt do that because the XXXX XXXX no longer exists because it has been bought out by a new company. Im providing the hospital bill that was paid and on the same date of service of the physicians bill. Please help me get this removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Phoenix Financial Services LLC
State: KY

Complaint narrative:
This debt showed up on my credit report about XX/XX/XXXX i have no knowledge of debt contacted debt collector apparently it is a hospital bill from XX/XX/XXXX. 5 years ago. I know i paid this but given the age of debt i now longer have access to insurance claim or fsa records to support my claim

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 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: GA

Complaint narrative:
I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I have disputed the accounts with the credit bureau Experian , to no avail..The account XXXX XXXX XXXX  XXXX XXXX is not mine. I asked for proof of my signature where I agreed to pay this account but the credit bureau couldn't provide any..Also, the student loan XXXX XXXX   XXXX XXXX should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal..This is very exhausting, CFPB please step up and remove the accounts

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 2018-10-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: VA

Complaint narrative:
When we had a closing dated last XX/XX/2018, i have knowledge that my taxes from XX/XX/XXXX to XX/XX/XXXX ( last quarter of the year ) was paid and included in the closing cost. But i received noticed and billed from XXXX City Treasurer that {$570.00} taxes was due on XX/XX/2018. I immediately called Rocket Mortgage to asked what is going on and contacted escrow company ( XXXX XXXX ) why it was not paid yet but i have not received any respond. I paid my taxes 3 days before i got the penalty. But now, Rocket mortgage still not doing anything to deduct taxes from my monthly mortgage and they still included the escrow amount on my Principal and interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I have disputed the accounts with the credit bureau XXXX  , to no avail..The account XXXX XXXX XXXX  XXXX XXXX is not mine. I asked for proof of my signature where I agreed to pay this account but the credit bureau couldn't provide any. This is very exhausting, CFPB please step up and remove the accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 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: GA

Complaint narrative:
I have disputed the late payments on thisXXXX XXXX XXXX account and XXXX   XXXX  XXXX for months.The credit bureaus refused to reverse them. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im looking to purchase a car for XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA

Complaint narrative:
Hi, I have a very urgent matter due to a foreclosure sale on XX/XX/2018. I applied for a loan modification to Bayview Loan Servicing numerous times before and they always prolong the process. Never gave an offer and never accepted my loan modification. Ever since then I have been trying to get a loan modification and I can not get one from this company. I mailed in my rma packet and all required documentation as per guidelines. Im in a loan modification review as they should have requested documents for a review. From the past Ive had trouble calling Bayview Loan Servicing to ask about any status or updates for the loan modification and a status on the loan modification I get nowhere. I call in, the phone system asks for my social security number or my loan number, I put in the loan number and or social it rings couple of times and then I get nowhere. Seems like when I put in my information the phone system recognizes my information and does not connect me to anyone. This has happened multiple times on multiple days and each one does this until I clicked the number 0 for a very long and tedious process I finally got someone. After speaking to the employee she did not give me any information regarding my loan and said that only one person could talk to me but I can never get a hold of that person. Also asked for a supervisor and was on hold for over 40 min and never got one. Bayview is playing dirty games for me to not resolve my issue and get an update on my loan modification.

Im being thrown around the phone system and no one can speak with me. Is this a game they play to hold off so long until its too late to speak to someone and then they sell my home? I have done everything needed to do and i have sent them all documents. If Im not mistaken Bayview Loan Servicing is in violation of my Homeowner Bill of Rights. Seems like they do not want to help me but to just sell my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have disputed the late payments on XXXX XXXX XXXX account and XXXX   XXXX  XXXX for months.The credit bureaus refused to reverse them. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix  this ASAP please Im looking to purchase a car for 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 2018-10-16 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: GA

Complaint narrative:
I have disputed the late payments on thisXXXX XXXX   XXXX account and XXXX XXXX XXXX for months.The credit bureaus refused to reverse them. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im looking to purchase a car for 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 2018-10-16 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: IL

Complaint narrative:
A Bankruptcy is being reported on my credit reports. When disputed I was informed that the item was verified and when I followed up I found that the proper channels and procedures were not used to verify the information per the FCRA. 

The CRA failed to contact the original furnisher listed on my provided credit report Required by section 611 of the FCRA : OHIO FEDERAL COURT -XXXX XXXX XXXX XXXX XXXX , OH Instead they used a 3rd party Called XXXX . XXXX is not eligible to be referred as a Furnisher due to being a consumer reporting agency itself. 


To Further the issue I have received written confirmation that the court itself does not verify or provide any information to any 3rd party entity. 

This being the source making the information unverifiable per the FCRA and should lead to its deletion. 

I have disputed this issue and have also informed the CRA of the violations and yet still received a verified response with no further information. 

I have disputed this information several times and now ask for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Middle Georgia Management Services
State: GA

Complaint narrative:
XXXX XXXX of XXXX County charged me late fees that ran up to {$180.00} after the loanw as paid off, it is now reporting on my credit. I only ahd {$20.00} in fees left I paid off all three loans. I want this off of my credit, the loanw as paid off in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 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: GA

Complaint narrative:
Equifax, XXXX and XXXX are not doing their jobs. They say I have three charge offs or 30 days past due. Incorrect information on my credit file, I have been fighting these on ym credit for years and these agencies do nothing when I call in and Equifax will not even give me my credit report, they have cost me two jobs, I want it to stop. XXXX XXXX XXXX is reporting that I have been 30 days late, that is not true and my account ahs not been with them for over a year. XXXX XXXX  are scam artists, I paid on that loan for 4 years and it never went down, they can not even show me my original loan papers I did not agree to those terms of the loan and they never told me ti was a second mortgage, the loan ahs been sold several times. I have no paperwork, it has been over 13 years on my credit originated in XX/XX/2006. This should be off of my credit. XXXX XXXX is reporting 30 days late, I ahve never been late. XXXX XXXX/ XXXX , I woe them nothing, I ahd insurance and the phone shuld have been paid off, XXXX balance. I have a {$28.00} charge from XXXX XXXX, I owe them nothing. I have a medical bill for {$150.00}, I owe them nothing, I now nothing of this bill. All of these credit reproting agencies I ahve disputed all of these items and thye still kept them on my credit and did nothing. They deny me a credit report even after the job did not hire me or I was denied credit. I ahve another company looking in to a background check and a credit chck on me right now. It is ntof air, If I can not work how cna I ever pay anything. This seems like ti is very bias towards certain people. Equifax is horrible and needs to be fined. I can not get a report from any of them..I can not even file a dispute..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 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: GA

Complaint narrative:
I have disputed the account XXXX XXXX   XXXX on my credit report for months, I asked for evidence proving that the account is accurately reported under my name..Equifax failed to send me, that tells me they did not verify this account. Please CFPB help me out here and reverse the late payment

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 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:
XXXX, XXXX and Transunion are not doing their jobs. They say I have three charge offs or 30 days past due. Incorrect information on my credit file, I have been fighting these on ym credit for years and these agencies do nothing when I call in and XXXX will not even give me my credit report, they have cost me two jobs, I want it to stop. XXXX  XXXX XXXX is reporting that I have been 30 days late, that is not true and my account ahs not been with them for over a year. XXXX XXXX are scam artists, I paid on that loan for 4 years and it never went down, they can not even show me my original loan papers I did not agree to those terms of the loan and they never told me ti was a second mortgage, the loan ahs been sold several times. I have no paperwork, it has been over 13 years on my credit originated in XX/XX/2006. This should be off of my credit. XXXX XXXX is reporting 30 days late, I ahve never been late. XXXX XXXX/ XXXX , I woe them nothing, I ahd insurance and the phone shuld have been paid off, XXXX  balance. I have a {$28.00} charge from XXXX XXXX, I owe them nothing. I have a medical bill for {$150.00}, I owe them nothing, I now nothing of this bill. All of these credit reproting agencies I ahve disputed all of these items and thye still kept them on my credit and did nothing. They deny me a credit report even after the job did not hire me or I was denied credit. I ahve another company looking in to a background check and a credit chck on me right now. It is ntof air, If I can not work how XXXX I ever pay anything. This seems like ti is very bias towards certain people. XXXX  is horrible and needs to be fined. I can not get a report from any of them..I can not even file a dispute..

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