vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX is reporting that I have an unresolved collection balance with them for {$9900.00}. I am attaching a copy of the settlement I arranged with them back in XX/XX/2018, and also a copy of the wire-transfer that shows I funded the arrangement. Despite the fact that this debt has been resolved for 6 months now, XXXX XXXX will not report it as such 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 2018-09-17 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: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX is reporting that I have an unresolved collection balance with them for {$9900.00}. I am attaching a copy of the settlement I arranged with them back in XX/XX/2018, and also a copy of the wire-transfer that shows I funded the arrangement. Despite the fact that this debt has been resolved for 6 months now, XXXX XXXX will not report it as such on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX is reporting that I have an unresolved collection balance with them for {$9900.00}. I am attaching a copy of the settlement I arranged with them back in XX/XX/2018, and also a copy of the wire-transfer that shows I funded the arrangement. Despite the fact that this debt has been resolved for 6 months now, XXXX XXXX will not report it as such 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 2018-09-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
My mortgage was sold to Regions bank during the first year of having it. I wasrequired to sign up for a new online account with a bank I wanted nothing to do with in order to maintain my mortgage. Early on this wasn't that much of an issue, but in the last year Regions has become more aggressive using my personal information in attempts to try and sell me services that I do not want or ask for even though I have reported to them many times that my information is not for them to use as they please. I have asked multiple times to be removed from any and all lists that do not pertain directly to my mortgage statement and while I am assured every time that this has been done, I will receive something else the next month. They also don't provide any means to unsubscribe from their mailing lists in the emails I receive. I want this harassment to end.

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 2018-09-17 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: FL

Complaint narrative:
On XX/XX/2018 I sent out a certified letter to EXPERIAN in regards to removing the unverified accounts XXXX XXXX {$8400.00} Balance & XXXX XXXX XXXX - {$2700.00} Balance from my credit. the listed items are entirely inaccurate and incomplete & represents a very serious error in Experian 's reporting, I asked to see Verifiable Proof ( a original Consumer Contract with my Signature on it ), in which They are required by federal law to verify FCRA ( Section 609 ( a ) ) They did not provide me with a proof of verification, they replied stating that they have verified the information without the proper document. On XX/XX/2018 I sent out a 2nd letter Stating that they have not removed the items that have not been verified which is required by law and they have had 30 days to investigate in which law requires removal of unverified accounts if unable to verify. As a gesture of my goodwill before litigation if needed, I will restate my dispute. The following information needs to be verified by the credit reporting agency, following failure to verify, deleted from the report as soon as possible.

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 2018-09-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: MD

Complaint narrative:
Nationstar purchased my loan from XXXX XXXX XXXX around XX/XX/XXXX while I was still on ChapterXXXX. Right before the loan was sold I received an escrow analysis that stated my mortgage for the year was {$2000.00}. Once Nationstar started servicing it they said the mortgage was {$2400.00}. I brought this difference to Nationstar 's attention and they said they do their own escrow analysis when they take over a loan. I then started to pay the larger amount in XX/XX/XXXX. They finally adjusted the payment to the lower payment in XX/XX/XXXX. When I come out of Chapter XXXX in XX/XX/XXXX they informed me I was 4 months behind on my mortgage. This was attributed to payments they said I missed during my bankruptcy as well as my not paying the {$2400.00} amount versus the {$2000.00}. I went into a forbearance agreement with them that started XX/XX/XXXX for {$12000.00}. I complete the plan XX/XX/XXXX. They are still reporting the account in forbearance and that my account was 180 day late. Considering they gave me an escrow refund of {$5700.00} in XX/XX/XXXX I to have been severely overcharged during the time they serviced the loan. If you subtract {$5700.00} from {$12000.00} you would get {$7100.00}. That would equal to about 3 1/2 months. I have disputed this with the mortgage company and XXXX. Nationstar continues to respond to XXXX that their reporting is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17 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: AZ

Complaint narrative:
I have disputed this information with Experian multiple times and they are refusing to remove the account 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 non-monetary relief
Consumer complaint received 2018-09-17 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Devon Financial Services, Inc.
State: IL

Complaint narrative:
I've contacted the store regarding a wrong payment schedule. I was told the issue would be resolved. Two payments later the issue still wasn't fixed. These wrongful payments caused fees to my account.

On top of the wrongful payments, I was also made aware that my privacy had been violated. Staff members were discussing my account information in front of a customer that happened to be someone close to me. When speaking with the District manager and also the President, I was told the situation is being handled ; although I'm not very convinced. 
This company needs to better train their staff on how to uphold customers privacy and also professionalism.

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 2018-09-17 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: National Credit Adjusters, LLC
State: UT

Complaint narrative:
National Credit Adj keeps updating on my credit report and it is not mine. It shows a XXXX balance and paid but its not mine & they keep updating and damaging my credit monthly.

I have been disputing with The credit bureaus XXXX and XXXX and they have yet to prove that this is mine. XXXX XXXX   IS NOT VALID VERIFICATION PER THE FEDERAL COURTS. 
This needs to be deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Winter of 2017, a drunk driver hit me and he didn't have insurance. My car was totaled and had to be taken to the city pound. I filed a claim with my insurance company and they eventually paid the car off, but during the time the car was being deemed totaled, the pound called Capital One directly and told them to come and pick the car up. Capital one told me anytime they have to pick a car up from anywhere, they consider it a repo. However, my insurance company wrote them and told them it was an error on their end that had nothing to do with me and that's why there was a delay with them getting the car. The car is completely paid off and they have their letter from XXXX, but Capital One is refusing to take it off. They told me to call the credit bureaus directly, so I called XXXX XXXX and they said they can't make any changes, they can only update what the direct source ( capital One ) gives them. I tired call the president 's office at Capital One, but they said he doesn't take call. 

Please Help. 


XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: STATE FARM BANK, FSB
State: NC

Complaint narrative:
The company reposessed my vehicle, XXXX XXXX XXXX XXXX, the day I joined the XXXX XXXX, XX/XX/XXXX. I was unable to respond to the repo. I now have a charge off on my credit report and a balance of $ XXXX. I fall under SCRA laws and entitlements.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I was granted a {$1000.00} business gift card via American Express. I sporadically use it, however I wanted to check my balance before making a purchase the other day and to my surprise I only had {$20.00} left on my card. The americanexpress.com/XXXX  website actually shows the transaction date, post date, description, reference number and amount of the purchase. There is an unauthorized purchase for {$500.00} XXXX XXXX XXXX XXXX XXXX XXXX - Purchase ( XXXX ) w/ XXXX XXXX XXXX XXXX that XXXX confirms was not used with my authorization as that card was never added to my XXXX account i have. When reaching out for help on XX/XX/2018 to American Express a representative by the name of XXXX informed me that I must contact the merchant for further resolution as they can not do anything for me. I followed their advise and contacted XXXX which I dealt with for about a month with no results. They informed me that they would not be refunding me any money as the security breach was not on their end so they will not be responsible. I do not feel I nor a third part should be responsible for this! Someone took my money and I want it back! It is as if American Express supports theft and not customer service when it comes to these situations.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17 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:
I have submitted numerous disputes with XXXX, Equifax, and XXXX about two of my accounts. The first one is passed statue of limitations here in Florida and I have even tried to work out something with them. I have yet to hear or see it removed after two months. XX/XX/XXXX is when the first dispute was finished. 

The Creditor 's have not responded either. 
Here is the first account. 


XXXX XXXX View All Accounts Previous Next Details Account # XXXX Original Creditor - Company Sold - Account Type Revolving account Date Opened XX/XX/XXXX Account Status Closed Payment Status Charged off as bad debt Status Updated XX/XX/XXXX Usage 96 % Balance {$670.00} Balance Updated XX/XX/XXXX Credit Limit $ XXXX   Monthly Payment - Past Due Amount {$670.00} Highest Balance {$600.00} Terms - Responsibility Individual account Your Statement - Comments Profit and loss writeoff Contact Information XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX Payment History On Time120120+ Days Late3030 Days LateFPFailed to Pay6060 Days LateNNegative9090 Days Late The second is my Chase Account which I have an active one and for some reason they said I got a Card in XXXX that is negative. This is 100 % % % % Not true. I did have one over 10 years ago but when I called and got my new XXXX card they added this from XXXX which I never once opened an account! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17 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: UT

Complaint narrative:
XXXX XXXX XXXX keeps updating on my credit report and it is not mine. It shows a XXXX balance and paid but its not mine & they keep updating and damaging my credit monthly. 

I have been disputing with The credit bureaus Equifax and XXXX and they have yet to prove that this is mine. XXXX XXXX IS NOT VALID VERIFICATION PER THE FEDERAL COURTS. 
This needs to be deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17 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: UT

Complaint narrative:
XXXX XXXX XXXX keeps updating on my credit report and it is not mine. It shows a XXXX balance and paid but its not mine & they keep updating and damaging my credit monthly. 

I have been disputing with The credit bureaus XXXX and Experian and they have yet to prove that this is mine. XXXX XXXX IS NOT VALID VERIFICATION PER THE FEDERAL COURTS. 
This needs to be deleted

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 2018-09-17 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: CA

Complaint narrative:
I have been victim of identity theft for my information. I never opened the card with XXXX and my credit report had indicated that I owed them money. I have tried to contact them to correct and XXXX denied me for the correction and said once I called in the ask about that which means I am be aware of debt and also debtor which they dont disclose information about my information. The information is never corrected.

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 2018-09-17 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:
I have submitted numerous disputes with Transunion, XXXX, and XXXX about two of my accounts. The first one is passed statue of limitations here in Florida and I have even tried to work out something with them. I have yet to hear or see it removed after two months. XX/XX/XXXX is when the first dispute was finished. 

The Creditor 's have not responded either. 
Here is the first account. 


XXXX XXXX View All Accounts Previous Next Details Account # XXXX Original Creditor - Company Sold - Account Type Revolving account Date Opened XX/XX/XXXX Account Status Closed Payment Status Charged off as bad debt Status Updated XX/XX/XXXX Usage 96 % Balance {$670.00} Balance Updated XX/XX/XXXX Credit Limit $ XXXX   Monthly Payment - Past Due Amount {$670.00} Highest Balance {$600.00} Terms - Responsibility Individual account Your Statement - Comments Profit and loss writeoff Contact Information XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX Payment History On Time120120+ Days Late3030 Days LateFPFailed to Pay6060 Days LateNNegative9090 Days Late The second is my XXXX Account which I have an active one and for some reason they said I got a Card in XXXX that is negative. This is 100 % % % % Not true. I did have one over 10 years ago but when I called and got my new XXXX card they added this from XXXX which I never once opened an account! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX, VA 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 2018-09-17 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:
I have submitted numerous disputes with XXXX, XXXX, and Experian about two of my accounts. The first one is passed statue of limitations here in Florida and I have even tried to work out something with them. I have yet to hear or see it removed after two months. XX/XX/XXXX is when the first dispute was finished. 

The Creditor 's have not responded either. 
Here is the first account. 


XXXX XXXX View All Accounts Previous Next Details Account # XXXX Original Creditor - Company Sold - Account Type Revolving account Date Opened XX/XX/XXXX Account Status Closed Payment Status Charged off as bad debt Status Updated XX/XX/XXXX Usage 96 % Balance {$670.00} Balance Updated XX/XX/XXXX Credit Limit $ XXXX   Monthly Payment - Past Due Amount {$670.00} Highest Balance {$600.00} Terms - Responsibility Individual account Your Statement - Comments Profit and loss writeoff Contact Information XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX Payment History On Time120120+ Days Late3030 Days LateFPFailed to Pay6060 Days LateNNegative9090 Days Late The second is my XXXX Account which I have an active one and for some reason they said I got a Card in XXXX that is negative. This is 100 % % % % Not true. I did have one over 10 years ago but when I called and got my new XXXX card they added this from XXXX which I never once opened an account! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX, VA 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 non-monetary relief
Consumer complaint received 2018-09-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Halsted Financial Services, LLC.
State: TX

Complaint narrative:
I received a letter stating that my debt was placed at their agency and I could set up payments or pay in full and only pay 50 % off the original debt - when I called ( on XX/XX/2018 ) it didn't sound right and I vaguely remembered paying this EXACT debt to the original collector about two years ago. 

I called where the original debt was owed and reminded me of the agency it was sold to and told me this letter was not part of their collection efforts. 

I called the company and told them over a recorded line to stop calling me and sending me letters that this was basically a fraudulent effort to get a debt that is no longer owed. She hardly let me get a word in and kept asking who the other company was - I told her I am not obligated to give her that information and they are not the ones who own my old debt that was PAID and to stop calling and sending letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
XXXX to XXXX Td bank is processing transactions from high to low, rather than the order in which they are received. Transaction ( Re-ordering ) and when Transaction post to account to allow them to spread out the over draft fees. within a 4day period I was charged {$450.00} in over draft fees. 

Today I had founds available come to find out td posted {$170.00} in fees they say was from Friday, now my account is a negative XXXX and they will must likely change me another fee and a extended fee. 

I have XXXX kids one has XXXX my wife is not able to work every penny counts we live pay check to pay check, when I am wrong charge me but what td bank is doing Is deceptive and and should be investigated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-17 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: CITIBANK, N.A.
State: OK

Complaint narrative:
I've paid my monthly payments for years with the same account and now they will not accept my payments through this account over the phone but I can go to one of their locations and make it on the same account with no problem with the account that they don't accept over the phone

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