vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-30 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: CA

Complaint narrative:
In XXXX, 2018, I disputed a 30 day mortgage late inaccurately reported on all 3 credit reporting. The dispute resulted in the deletion of the 30 day late by all 3 credit reporting agencies. 

On XXXX XXXX the 30 day late was reinserted into my credit file by Trans Union only. From that date until XX/XX/XXXX, I was never informed in writing by the mortgage provider ( XXXX XXXX XXXX ) or the credit reporting agency of the reinsertion. On XX/XX/2018 I informed Trans Union of the reinsertion and subsequent non-notification. Trans Union subsequently removed the 30 day late for the 2nd time. 

On XX/XX/2018, Trans Union AGAIN reinserted the 30 day late into my credit file. On XX/XX/2018 I have not been informed in writing of the reinsertion by XXXX  XXXX XXXX XXXX Trans Union.

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 2018-10-30 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: HI

Complaint narrative:
I have disputed the late payments on this XXXX XXXX account for months. XXXX   and XXXX have reversed them but Experian is refusing too. 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. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX. on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.

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 2018-10-30 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: HI

Complaint narrative:
I have disputed the late payments on this XXXX  XXXX account for months. XXXX and XXXX  have reversed them but Equifax is refusing too. 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. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX   on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX. on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30 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: MS

Complaint narrative:
I am concerned about the validity and accuracy of the recent investigation done by the Equifax and XXXX..I requested for an investigation because the accounts XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please Im TRYING TO BUY A HOUSE

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
On XX/XX/XXXX I checked my XXXX banking app free credit report check and found that my score had dropped over 40 points. I then requested an official credit report from XXXX  and found that XXXX XXXX XXXX had created a new collection item on my credit report. This was my first time ever hearing about this. I never received a phone call. I never got a letter to my house ( XXXX XXXX XXXX, XXXX XXXX MI, XXXX ) which I recently moved into on XX/XX/XXXX. No communication came to me of this new collection entry on my credit report. The collection they are claiming I owe is a false claim and I would like to fix this inaccuracy. 

The collection claimed that my account # XXXX was from the original creditor " XXXX XXXX XXXX  ''. On XX/XX/XXXX, I called XXXX XXXX  and spoke with a representative. She confirmed that none of the accounts that were associated with my name had ANY outstanding payments or balance. In fact, she told me that my payment record was perfect. She also told me that both her and her supervisor had never heard of XXXX XXXX selling debt to XXXX XXXX XXXX 

I sent a letter to XXXX XXXX XXXX asking them to inform me of the exact details of the debt that they claimed that I owed. This had been suggested as the best course of action from many sources. 

Please let me know if you need any other information from me and I would be happy to give it to you with great haste. 

Here are the details of the collection entry found on my credit report. I claim that this information is not accurate or true : Account Name : XXXX XXXX XXXX  Account # : XXXX Original Creditor : XXXX XXXX XXXX Account Type : Factoring Company Date Opened : XX/XX/XXXX Account Status : Closed Payment Status : Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status Updated : XX/XX/XXXX Balance : {$220.00} Balance Updated : XX/XX/XXXX Original Balance : {$220.00} Past Due Amount : {$220.00} Terms : 1 Month Responsibility : Individual Contact Information : XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX Payment History : XX/XX/XXXX - Failed to Pay XX/XX/XXXX - Failed to Pay

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30 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: MS

Complaint narrative:
I am concerned about the validity and accuracy of the recent investigation done by the XXXX and Experian..I requested for an investigation because the accounts XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please Im TRYING TO BUY A HOUSE

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 2018-10-30 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: MS

Complaint narrative:
I have disputed the student loan account with the credit bureau for several attempts, to no avail. The student loan 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..CFPB please step up and remove the accounts XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: 21ST MORTGAGE CORP.
State: SC

Complaint narrative:
Of the course of the last two months I have been working with XXXX and 21st Mortgage Bank on getting s loan modification approved. I had to take out two loans to repair my home a year ago because during the first year of my mortgage 21st Mortgage made me use their insurance company and theres company would not pay for repairs to the home. I used my personal funds, I borrowed from family, and took out loan to save my home from falling apart. The company reimbursed me some of the funds after around a year in a half, however I still am making payments for those loans. XXXX rep advised me to miss one payment so I would qualify for their program for loan modifications. I told 21st Mortgage rep this as well. After, the payment was missed XXXX told me they dont work with 21st Mortgage and 21st said they dont do loan modifications. After speaking with XXXX again about me feeling lied to on XX/XX/2018 the representative got very rude with me and stated I dont even know why you are still having this conversation with me. 21st Mortgage manager claimed everyone does not know what XXXX is and they do not record their conversation and that Imam blaming them and XXXX for my issue and I have called both companies and told each company the name and what program I was doing for two months and neither knew about each other not working with one another. After basically screwing me over I am wrong? I want an apology and this to be investigated because some from both companies should have told me they did not work with each other from the beginning and I should not been told to miss a payment to qualify if they were not going to help me with my mortgage issue. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I have disputed the student loan account with the credit bureau for several attempts, to no avail. The student loan 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..CFPB please step up and remove the accounts XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX, 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 2018-10-30 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: MS

Complaint narrative:
I have disputed the student loan account with the credit bureau for several attempts, to no avail. The student loan 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..CFPB please step up and remove the accounts XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX, 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 2018-10-30 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: MS

Complaint narrative:
I have disputed the late payments on XXXX XXXX XXXX XXXX account for months. The credit bureaus refused to reverse the late payments. 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

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CMI Group, Inc.
State: SC

Complaint narrative:
The company is collecting on an untrue debt. I have reached out to XXXX/XXXX   that the company is claiming to be collecting on behalf of and they advised that nothing is owed. All service equipment was returned and bill paid when I cancelled my service. The collection agency has yet to provide proof of the debt or remove the collections. This issue is a very time sensitive matter as I have major things that are dependent upon my credit history. The collection and all history needs to be deleted from my credit report NOW. All contact with XXXX and the collection agency has been recorded as well I have received a copy of my final statement which you will find attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-30 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: MS

Complaint narrative:
I have disputed the late payments on XXXX XXXX XXXX XXXX account for months. The credit bureaus refused to reverse the late payments. 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

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 2018-10-30 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: MS

Complaint narrative:
I have disputed the late payments on XXXX XXXX XXXX XXXX account for months. The credit bureaus refused to reverse the late payments. 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

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 2018-10-30 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: MS

Complaint narrative:
I am concerned about the validity and accuracy of the recent investigation done by Experian.I requested for an investigation because the account XXXX XXXX XXXX have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please Im TRYING TO BUY A HOUSE

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 2018-10-30 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: MS

Complaint narrative:
I am concerned about the validity and accuracy of the recent investigation done by Equifax .I requested for an investigation because the account XXXX XXXX have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please Im TRYING TO BUY A HOUSE

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
BEWARE, CAPITAL ONE REFUSES TO CLOSE MY CREDIT CARD ACCOUNT. They refused to do so, on the phone, unless I agreed to a lot of terms they wanted to read over the phone. I was not going to give in to blackmail terms about closing my account. I refused to agree to their terms and told them to just close. They would not. I sent a Certified letter ( attached ) requiring that Capital One close my credit card account. They still wouldn't do it. Instead they starting adding interest charges and late payment fees to a disputed charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30 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: TX

Complaint narrative:
defamation of character. 
ftc violation XXXX took of a loan and put it back on the XXXX lease also equifax has done nothing to try to help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
There is a address on my file that does not belong to me. at Equifax it belonged to a person with the same name I never lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX wisconsin

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-30 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: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
Golden 1 Credit Union has ran my credit without my permission and I am requesting the removal of the hard credit inquiry from my XXXX credit report. 

I have attached a copy of my pre-approval letter from my credit union, XXXX XXXX XXXX, which shows that there was no reason for my credit to be ran.

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 2018-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Second complaint - not a duplicate : I am a customer of Bank of America and have two checking accounts with them. On the last several days, Bank of America has been delaying transactions and posting them several days after the transaction was processed. On XX/XX/2018 Bank of America accessed a late fee of {$35.00} to one of my accounts for overdrafts fees when my account was never overdrafted. Yesterday ( XX/XX/18 ), I had an available balance of {$9.00} and I transferred those funds to my second Bank of America account. Today Bank of America posted another overdraft fee in the amount of {$35.00} to my account for {$35.00} and a transaction from XX/XX/18 was posted to my account in the amount of {$9.00}. 
Bank of America has been using the tactics of holding transactions longer than usual and showing funds as available balance online without the holding or processing transactions and accessing excessive fees to accounts. They are not taking responsibility on their glitch or predator tactics. I have been a victim of those tactics and unable to have those fees refunded by representatives. Today I spoke with XXXX and she refused to transfer me to a supervisor and also refused to reverse the {$35.00} fee. In five days I have been charged {$70.00} in overdraft fees by Bank of America.

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 monetary relief
Consumer complaint received 2018-10-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
defamation of character. 
ftc violation transunion took of a loan and put it back on the XXXX lease also XXXX has done nothing to try to 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 2018-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I specifically requested to have no overdraft fees in my account when i opened. Turns out the lady that helped me at XXXX XXXX branch of Bank of America did put overdraft. I called and another customer service represantative told me she removed them and i was hit with XXXX $ overdraft fees in just one week. After she told me she removed them within 4 days i get hit again. I have almost XXXX $ to pay because of only overdraft fees without my consent at Bank of America. Representatives do not care and no one is refunding my money because i didn't sign for any overdraft and i made it very clear since the beggining.

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 monetary relief