vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-17 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I split my mortgage payment into two payments for my XX/XX/2019 mortgage payment and it was not put in the right place. I have called 6 times now starting XX/XX/XXXX when I received a letter that stated I did not make my XXXX payment and now have late fees. The late fees were waived but it wasnt resolved and hit mine and my fiancs credit with a -54 points due to a delinquent account/past 30 days. I was told the gentleman would be coached because of his error and Im left waiting for our credit to be fixed and am told itll take a month. I was originally told 3-5 business days. I wasnt even late let alone delinquent. I am very angry about this and it just seems like they dont care one bit. I disputed it with the credit places too. I want to file a complaint since we are left waiting to do anything with a credit hit that bad I cant get anything at a fair price or on credit.

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 2019-07-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Student Loan Financial Assistance
State: MA

Complaint narrative:
I paid Student Loan Financial Assistance {$140.00} on XX/XX/2019 and another {$140.00} on XX/XX/2019. I have not received a single email or piece of mail regarding the status of my Student Loan or of their efforts to address the situation since I initially signed up on XX/XX/2019 ( I signed up over the phone and then received an email with a congratulations on taking the first steps to financial freedom, with further instructions that were needed to move forward ). I sent my last pay stub to confirm income and was told I qualified for income base repayment. After waiting over two months I began to get concerned and wanted to know what was going on I called their office on XX/XX/XXXX, XXXX and again on the XXXX. I spoke with a random representatives that couldnt help me and was told they would ensure my case manager would get back to me to clear things up. That never happened. When I called on the XXXX I expressed my concern that this was a scam and that I would need to take further action. I never heard back from them and called again today XXXX XX/XX/XXXX ) .. this time the phone continued to ring/on hold for XXXX mins. They must have flagged my number or something because all the other times I called in someone picked up rather quickly. Then I was prompted to leave a message which I did. I decided to write an email for my records and requested a refund and warned that I would be taking action. I did some research and found out that when you student loans are in default you can not quality for any of the same programs like income based repayment that would be available if my loan was still with The Department Of Education - so clearly I was being fed lies. After figuring out Student Loan Financial Assistance is a scam, I have been able to find a solution on my own to resolve my debt with the collection agency in charge of my student loan ( XXXX XXXX XXXX ). I am now enrolled in a rehabilitation program to get my loan out of default which is what I was hoping to do with SLFA. I was informed by the representative that assisted me that SLFA never contacted the XXXX or filed any paperwork on my behalf. I am of disputing the charges with the bank as well as taking action to prevent identity fraud etc as this company has my social security number and other confidential information.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-17 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: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
The vehicle is covered by insurance XXXX XXXX XXXX XXXX insurance who received letter of guarantee from Chrysler to pay off truck that they said was totaled when someone hit my vehicle on XX/XX/2019. XXXX said they would pay {$46000.00} of the payoff of {$55000.00} and I have gap insurance to cover the balance owed. The truck is still showing due on my credit and showing late payments and affecting my credit negatively. Chrysler has not called me to resolve this issue and this is hindering me from buying another vehicle and another home. I have been paying the insurance with XXXX and the gap insurance with Chrysler as contracted and have not received the service I paid for. It is now XX/XX/2019 and this is still not resolved. Chrysler has all the documents included below. XXXX picked the truck up without our knowledge on XX/XX/2019 without our knowledge and it has been in their possession every since.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diversified Consultants, Inc.
State: FL

Complaint narrative:
This incident jus recently happened this past weekend ( XX/XX/XXXX) during a purchase of a home that got shut down due to a mishap on my credit that we have been protecting for months. It was a collection agency affiliated with XXXX on a account that has been closed for a year or more now. There was no info notification or letters of any type that would have informed me so. They jus popped it on my credit and it dropped 50 points over something that doesn't exist, that's been closed with a confirmation number as well.Some action definitely needs to be taken for a fraudulent charge on myself that isn't active. If something isn't resolved there may be legal action looked into.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Information Bureau, Inc.
State: FL

Complaint narrative:
This case is a charge for medical services resulting from a traffic accident on XX/XX/2018 so these medical expenses entered into a dispute between the insurance companies and my lawyer so that until I had the entire case resolved my lawyer had not made the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 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:
Equifax ; XXXX and XXXX are reporting incorrectly a collection on the XXXX XXXX XXXX partial account number XXXX*****. ( Please see page 4 of the attached credit report. ) I have contacted XXXX XXXX and requested an itemization of this account and the representative I spoke with there could not find any information about me in their system. I do not have an outstanding debt with XXXX XXXX. This false reporting of a collection is harming my credit score and this line item needs to be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 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: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2019, XXXX XXXX XXXX conducted an Equifax hard inquiry on my credit report without my consent. 

At this time, I was in the process of preparing for a move ( purchased a new home ) and their XXXX XXXX team ( alarm monitoring service ) conducted the inquiry as they were scheduling to relocate my existing alarm monitoring service. 

The call was recorded by XXXX XXXX XXXX and they were only supposed to check their internal payment history on my account. The recording will reveal that I told them I do not authorize a hard inquiry ( said this several times and had them define what they would be doing ). They insisted it was not a hard inquiry. 

I contacted Equifax and they can not purge the inquiry. 

I have contacted XXXX XXXX XXXX several times to reverse the inquiry and they have taken no action. 

XXXX XXXX XXXX should be fined for this fraudulent action and their resulting zero effort to resolve it. 

Help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION
State: SC

Complaint narrative:
I was charged with simple assault a few years back, and I have gotten it expunged off my recored. I have recently been employed with XXXX XXXX at XXXX XXXX, and have been in training for a few days now. My XXXX  XXXX contacted me saying that I could not continue with my job, because something was showing on my record. I thought I had everything correct with my record a few weeks ago. I really need this job for my child. I am a single mother that has to support my kid.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NV

Complaint narrative:
XXXX XXXXs send me a bill for lab services XX/XX/2017 for $XXXX. I disputed the debt in writing (certified mail) and asked for proof of the claim. Instead of providing any details, XXXX referred me to the referring physician. I demanded proof (certified mail) of the claim from the referring physician. I received no response. I filed an Insurance Fraud Complaint with the State of Nevada, Office of the Attorney General. I assumed the matter was dropped as it has been more then a year. BUTTwo weeks I received a demand letter from Credit Collection Services, XXXX XXXX XXXX XXXX, MA XXXX for the exact same XXXX XXXX debt claim of $XXXX. Verbal discussions with the physicians front desk indicate this may be a fraudulent "insurance" claim between the physician, XXXX and the Insurance. They also claim to have no written authorization from me to order any laboratory services. I am not sure Credit Collection Services are aware that they may be involved with a fraudulent money scheme.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 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:
XXXX ; XXXX and Transunion are reporting incorrectly a collection on the XXXX XXXX XXXX partial account number XXXX. ( Please see page 4 of the attached credit report. ) I have contacted XXXX XXXX and requested an itemization of this account and the representative I spoke with there could not find any information about me in their system. I do not have an outstanding debt with XXXX XXXX. This false reporting of a collection is harming my credit score and this line item needs to be deleted from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 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:
XXXX ; Experian and XXXX are reporting incorrectly a collection on XXXX XXXX XXXX XXXX partial account number XXXX*****. ( Please see page 4 of the attached credit report. ) I have contacted XXXX XXXX and requested an itemization of this account and the representative I spoke with there could not find any information about me in their system. I do not have an outstanding debt with XXXX XXXX. This false reporting of a collection is harming my credit score and this line item needs to be deleted from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I made a transfer out of my Bank of America checking account, to another account I have with another bank, using Bank of America 's next day processing transfer service. The deposit was set to go into my other account on Tuesday XX/XX/XXXX so I scheduled payments to come out of that account the same day. By XXXX on Tuesday XX/XX/XXXX, the deposit had not gone into my other bank account. I called the Bank of America customer service line and the representative told me the funds will post to that account by End of Business day. That night, and the next morning, I checked my other bank account only to find the deposit was still not in there and I have now been charged {$180.00} in overdraft fees as well as returned item fees and had checks bounce. I called again and spoke with a Bank of America representative, and manager, who rudely informed me that the transaction failed to send. This transfer account that I have had set up for years, and have never had a problem with it, all of the sudden failed to send. When I inquired why it failed, a clear answer was not given other than some information must not be correct. As stated, I double checked all information and it was all correct as it has been the last several years. When I inquired further as to what information could be incorrect, the manager informed me that there was nothing else she could tell me and that this was my error. I told her this is NOT my error, that the bank failed to send my transfer without any notification or reasoning and now I am overdrawn on my other account. When I requested that they refund me for this error, she stated that I would have to take legal action if I wanted them to compensate me for the fees which were caused in error on their behalf!! I am livid and I want responsibility to be taken for this error!

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 2019-07-17 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: Nelnet, Inc.
State: AZ

Complaint narrative:
Re : Formal Compliant Against Nelnet, XXXX, XXXX and XXXX XXXX. 

To Whom it may Concern : This a formal compliant against the Creditor Nelnet, and the three credit bureaus XXXX, XXXX and XXXX XXXX. They all have failed to send a written correspondence within 30 days and violated the FCRA & FDCPA laws. Nelnet was sent a certified letter on XXXX, and it was received on XX/XX/XXXX and signed by a Nelnet employee. I have not received a correspondence letter back from them. I sent the next letters to the XXXX, XXXX   and XXXX XXXX, to address the inaccurate reporting on on my credit file, but theses bureaus have not sent me back a written correspondence to get a resolution to the issues that are very negative on my credit report. For all three bureaus letters were sent certified on XX/XX/XXXX and delivered on XX/XX/XXXX and signed by each of their employee 's. I have failed to received any correspondence to address this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 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: OK

Complaint narrative:
XXXX and Equifax are both reporting 60 late payments on my student loans which is not correct information. I contacted both student loan company 3 times and XXXX and Equifax they have not taken care of the issue even after I submitted the notice I received back in 2016 on my student loan forbearance. From XXXX 2016 until XXXX  2016 over 14 accounts are showing up late and it’s hurting my credit profile. I’ve called both customer service, disputed online, and sent letters to both XXXX and Equifax. Credit report still shows no update to this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Block, Inc.
State: KS

Complaint narrative:
Cash App : XX/XX/19, XX/XX/19, and XX/XX/19 Im very upset about cash app team that closed my account while I have the available balance that I need to get the money out for me to pay my bills and now im Stuck with no way to transfer or sent money to someone to withdraw money for me while card blocked. It need to be unblock the card and my options that they need to set up a live customer support for repairs and disputes and other like tech to use phone call and live chat. I been struggling to find a customer support to communicate more fester email take forever to reply and I havent got my questions answered by the team, they have no rights to ignore my situation. 

So now I need the card to be unblock it so I can use my debit card which Its not expired yet. I need to have card back on today for me to withdrawal money. 

Another reasons they should give us few days warnings before close the account so customers included myself will know and be prepare for next step to transfer or repairs for the accounts. 

All of prepaid companies need to do same and change the policy and have a customer service XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 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: IL

Complaint narrative:
I have disputed this item with TransUnion becase i can not identify this item in the amount of XXXX and have had problems with someone useing my ssi # in the pass i requested a contract or a binding legal document and they did not provide me with either document but say that this item is accurate the investigation id # with TransUnion is 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 2019-07-17 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: TN

Complaint narrative:
I am writing this due to non-compliance with the ( Equifax, XXXX, XXXX ).  They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-17 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: TN

Complaint narrative:
I am writing this due to non-compliance with the ( XXXX, Experian, XXXX XXXX. They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2019-07-17 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: FL

Complaint narrative:
I was set up with XXXX XXXX on auto pay, Payment of {$100.00} was withdraw from my account. Apparently I got short {$29.00}, which I was not advised about at all. I didn't get any email, txt or phone call that I am short {$29.00}. 
I am enrolled in all communication services with XXXX XXXX. 
They have reported me for late payment to credit report which effected my score dramatically. 

XXXX 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 2019-07-17 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Law Office of Anthony C. Onwuanibe
State: DC

Complaint narrative:
I bought property from XXXX XXXX in XX/XX/2010. The locks were changed on my property without any notice to go to Court. Attorney XXXX told the Attorney General that he would go through the correct process for Eviction and that never happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 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: FL

Complaint narrative:
I was set up with XXXX XXXX on auto pay, Payment of {$100.00} was withdraw from my account. Apparently I got short {$29.00}, which I was not advised about at all. I didn't get any email, txt or phone call that I am short {$29.00}. 
I am enrolled in all communication services with XXXX XXXX. 
They have reported me for late payment to credit report which effected my score dramatically. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation