vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I have filed two letters with XXXX to remove the incorrect information that is on my credit report. The information is regarding a bankruptcy that was filed in XX/XX/XXXX. According to documentation that I have received from the U.S Bankruptcy court in Minnesota dated XX/XX/XXXX, they DO NOT report any information to any of the three credit reporting agencies. My first attempt to clear this up with XXXX was on XX/XX/XXXX and I received a letter in response stating that the information was valid. My second attempt was on XX/XX/XXXX, and I included their response as well stating that I needed to contact the reporting agency. The reporting agency again DOES NOT provide the information as stated above. I have now escalated this issue to your agency in hopes to get this cleared up. I have included all the documentation needed to clears this matter up. I look forward to your help in this matter. Thank you XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I have filed two letters with XXXX to remove the incorrect information that is on my credit report. The information is regarding a bankruptcy that was filed in XX/XX/XXXX. According to documentation that I have received from the U.S Bankruptcy court in Minnesota dated XX/XX/XXXX, they DO NOT report any information to any of the three credit reporting agencies. My first attempt to clear this up with XXXX was on XX/XX/XXXX and I received a letter in response stating that the information was valid. My second attempt was on XX/XX/XXXX, and I included their response as well stating that I needed to contact the reporting agency. The reporting agency again DOES NOT provide the information as stated above. I have now escalated this issue to your agency in hopes to get this cleared up. I have included all the documentation needed to clears this matter up. I look forward to your help in this matter. Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: BARCLAYS BANK DELAWARE
State: VT

Complaint narrative:
When we opened an LL Bean Visa Card 15+ years ago. We did it in my wife 's name. I was an authorized user. The income to pay the bills came from my salary and I wrote the monthly checks to pay in full our monthly Visa charges. My wife died on XX/XX/XXXX. On XX/XX/XXXX I notified Barclaycard of her death and asked to have her name removed and mine listed on the account. They said that they could not do that and that I would have to open a new account, which they did. However when they did because the credit history was in my wife 's name, and I had no credit history they would have to lower my credit line from {$9000.00} to {$2500.00}. We had a private loan for our fully paid mortgage and the only other credit card we had was XXXX and that was for only a short time. Our excellent credit history was no longer credited to me. Recently I shared this situation with a friend who was a retired bank auditor and he said that is illegal. " Designation of Accounts-12CFR 1002.10 ( a ) A creditor that furnishes credit information to a consumer reporting agency must designate : *any new account to reflect the participation of both spouses if the applicant 's spouse is permitted to use or is contractually liable on the account. Recently Barclaycard has increased my credit limit. ( I pay my bills on time ) However I still have no credit history. That is not fair! and it is illegal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: DISCOVER BANK
State: OH

Complaint narrative:
Applied for new loan XX/XX/XXXX with very new permanent address for borrower and cosigner. Had to send verification of address and identity. They rejected serveral documents that were on their list. Made a call to them on XX/XX/XXXX to resolve and felt like we were on the right track. Got another email saying action was still needed and called again Sunday XX/XX/XXXX. During that call I accepted my interest rate and accepted my loan. I was informed it was now up to the school for dispersion. Yesterday we received a call that action was needed. At this point we should n't need any action as you can not accept the loan unless all parts are there. Not the case. I had to upload another document and correct the address once again. If the address was different you think they would have mentioned or noticed. While every representative was polite and as helpful as they could be, I am very displeased with discover. It was a long and frustrating process that was unnecessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28 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:
I reached out to Equifax on
XX/XX/XXXX and I spoke to a manger and I advised him that the inquiries listed do not belong to me and I have no knowledge of them. Of course he advised me to call each one of them and ask for removal. I did contact each one and was left with nothing, each of them told me they had no knowledge of what I was asking and could not help me nor could they verify that I allowed them to run my credit. I called Equifax back asking them to speak to someone in fraud about this and they transferred me over to be told there is nothing they can do and creditors can run my credit when they chose. I know this is incorrect and they suggested a fraud alert but I am in the market for a home and do not want to do that. I have attached a list of the inquiries that the manager told me to call. Please assist me with removing these.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28 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: HYUNDAI CAPITAL AMERICA
State: VA

Complaint narrative:
XXXX XXXX XXXX  reported me as thirty days late for the months of XX/XX/XXXX and XX/XX/XXXX. I have never been thirty days late on this loan. I disputed it and they did report it as never late to the three bureaus which reflected it correctly for two days in XX/XX/XXXX, They have reported it as late for thirty days for the same months again! I have called them four times and still they are reporting it incorrectly!
Their erroneous errors have cost me over {$15000.00} in my credit line as several credit lines have been reduced due to their errors!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: NC

Complaint narrative:
I canceled my contract with XXXX XXXX which incurred a debt of {$300.00} in XX/XX/XXXX. I sent a check to collection agency Diversified Consultants in the amount of XXXX which posted to their system on XX/XX/2017. I called to verify that they had received the check. While I was working with the collection agency, XXXX XXXX charged my checking account an additional {$300.00} without my authorization. Which created an overdraft on my account. I was able to call the bank and get them to reverse the charge since I was able to show that I had already paid the bill to the debt collector. On XX/XX/2017 I received a call from Diversified Consultants stating that I did not pay any debt. I tried to resolve the overcharge with both XXXX and Diversified but neither company was willing to work with me. XXXX told me that I would have to wait 90 days to contact XXXX to begin the process of recovering the overcharge. Diversified told me that it was my fault because I chose to send a check instead of giving them access to my checking account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: SC

Complaint narrative:
In XX/XX/XXXX, I opened an account with XXXX for a line of service. After years of continuous calls to the company because I was not able to receive adequate service i.e. dropped calls, no service at time. Each time, XXXX continue to promise to rectify the problems by putting up new towers in my area, this never happened. In XX/XX/XXXX, XXXX agreed to release me from my contract with no money due. I checked my credit report in XX/XX/XXXX to see that my closed account with XXXX had been sold to a collection agency and placed on my credit report with derogatory comments. I was never notified prior to it being placed on my credit report in writing nor by phone. They just started with the harrassing phone calls in XX/XX/XXXX. From XX/XX/XXXX until now, I have called the collection agency trying to explain to them what happened, they told me I had to call XXXX. I have called XXXX. XXXX no longer has the account because that 's been some 10 years ago and due to their agreement with me. They account was suppose to be paid in full. I 've been back and forth with this collection agency. They are calling me two and three times a day 6 days a week. I 've tried to explain to each representative that call me to no avail sometimes they are just downright rude.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28 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: VA

Complaint narrative:
XXXX XXXX XXXX reported me as thirty days late for the months of XXXX and XXXX, 2017. I have never been thirty days late on this loan. I disputed it and they did report it as never late to the XXXX bureaus which reflected it correctly for two days in XXXX, 2017, They have reported it as late for thirty days for the same months again! I have called them four times and still they are reporting it incorrectly! Their erroneous errors have cost me over {$15000.00} in my credit line as several credit lines have been reduced due to their errors!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28 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: VA

Complaint narrative:
XXXX XXXX XXXX reported me as thirty days late for the months of XX/XX/XXXX and XX/XX/XXXX, 2017. I have never been thirty days late on this loan. I disputed it and they did report it as never late to the three bureaus which reflected it correctly for two days in XX/XX/XXXX, 2017, They have reported it as late for thirty days for the same months again! I have called them four times and still they are reporting it incorrectly!
Their erroneous errors have cost me over {$15000.00} in my credit line as several credit lines have been reduced due to their errors!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28 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: VA

Complaint narrative:
XXXX XXXX XXXX reported me as thirty days late for the months of XX/XX/XXXX and XX/XX/XXXX, 2017. I have never been thirty days late on this loan. I disputed it and they did report it as never late to the three bureaus which reflected it correctly for two days in XX/XX/XXXX, 2017, They have reported it as late for thirty days for the same months again! I have called them four times and still they are reporting it incorrectly!
Their erroneous errors have cost me over {$15000.00} in my credit line as several credit lines have been reduced due to their errors!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: NC

Complaint narrative:
XX/XX/XXXX I purchased my current home from the HOA for XXXX. I moved into the home XX/XX/XXXX. There were code violation that we manually fixed. In XX/XX/XXXX I attempted to put my home on the market and when doing the title search and trying to find what the payoff truly was it lead us to XXXX XXXX that has stated they do not have any info on this house. There were no letters being sent showing the current mortgage company attempting to collect. No foreclosure or default notices from XX/XX/XXXX all the way to XX/XX/XXXX and before I bought the house it was sitting vacant for a year. Somehow the realtor I was working with found that Nationstar Mortgage was servicing the loan since the original company XXXX XXXX  had shut down in XX/XX/XXXX. The last assignment shown was XXXX XXXX. After talking to Nationstar we found out there were not any payments made since the origination of the loan in XX/XX/XXXX. I decided not to sale seeing the profit was not gon na be what I had planned. After this nationstar tried to collect from the previous owner since the loan was still in his name though I had deed on the house. the bottom line is they trying to foreclose on my home without proper proof of validation of a real instrument of Debt. They are acting on behalf of XXXX XXXX that has nothing to do with my home. I sent a letter for proof of a real debt. They responded to me saying they received my correspondence and will respond by XX/XX/XXXX. The sale date for auction on my home is XX/XX/XXXX. This matter is not cleared up and still being investigated. I am confused how they can sale my home without proper proof and while it is still being investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28 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: Navient Solutions, LLC.
State: IA

Complaint narrative:
over the past year the company handling our loan, Navient, has raised the monthly payment from XXXX a month to ~XXXX. Submitted an application for income based repayment to be re-instated and was denied because my wife has XXXX income. We are married, we file jointly, and she has not worked in 20 years. Per the instructions I included my income on the form, and supplied paycheck documentation. Upon calling back today, I was told since my wife does not work we can not get income based repayment. We have had income based repayment on this loan for decades. This is messed up.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28 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: FL

Complaint narrative:
I reached out to XXXX on XX/XX/XXXX and I spoke to a manger and I advised him that the inquiries listed do not belong to me and I have no knowledge of them. Of course he advised me to call each one of them and ask for removal. I did contact each one and was left with nothing, each of them told me they had no knowledge of what I was asking and could not help me nor could they verify that I allowed them to run my credit. I called XXXX back asking them to speak to someone in fraud about this and they transferred me over to be told there is nothing they can do and creditors can run my credit when they chose. I know this is incorrect and they suggested a fraud alert but I am in the market for a home and do not want to do that. I have attached a list of the inquiries that the manager told me to call. Please assist me with removing these.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I reached out to XXXX on XX/XX/XXXX and I spoke to a manger and I advised him that the inquiries listed do not belong to me and I have no knowledge of them. Of course he advised me to call each one of them and ask for removal. I did contact each one and was left with nothing, each of them told me they had no knowledge of what I was asking and could not help me nor could they verify that I allowed them to run my credit. I called XXXX back asking them to speak to someone in fraud about this and they transferred me over to be told there is nothing they can do and creditors can run my credit when they chose. I know this is incorrect and they suggested a fraud alert but I am in the market for a home and do not want to do that. I have attached a list of the inquiries that the manager told me to call. Please assist me with removing these.

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 2017-07-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am receiving emails from Capital One Credit Card for a XXXX XXXX, her credit card personal information. I do not have an account with Capital One. I have contacted Capitol One on several occasions and asked them to stop sending her credit card personal information to me. Listed below is a copy of the emails I have recieved within the past 2 months and a detailed email with her information. I have unsubscribed on the email and are still getting them so this is my last resort on how to handle this situation. Detailed email Sign In Your Capital One statement is ready. About your account ending in XXXX XXXX XXXX, Your statement is available. If youre ready, you can make your payment now. Statement balance : {$500.00} Minimum payment : {$180.00} Payment due date : XXXX XXXX, 2017 by XXXX XXXX ET You can also review your account summary and pay your bill with our mobile banking app. 
View Your Statement Make a Payment Did you know? Paying more than the minimum amount due on  your account each month can save you money in finance charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28 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: PA

Complaint narrative:
A " hard '' pull was performed on my individual account by XXXX on XXXX XXXX, 2016. The address listed for the inquirer is XXXX XXXX XXXX, XXXX, TN XXXX. Phone number : ( XXXX ) XXXX Credit report states that this is from the automotive category. We have not had a auto purchase or inquiry at that time frame.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AMERINATIONAL COMMUNITY SERVICES, INC.
State: WI

Complaint narrative:
This is the second complaint that I have filed against Amerinational mortgage company. I have contacted them twice via phone to get my late charges for my mortgage handle. As of right now when I go on there website it currently reflects that I owe XXXX in late charges. I made a payment on XXXX XXXX,2017 of {$440.00}, which was my mortgage payment plus the late fee that they were saying that I owed. As of today I have made another payment towards my mortgage of {$420.00} to cover XXXX 's mortgage payment and late fee. The first call I made was around the XXXX XXXX, 2017 and spoke to a young lady that told me she would have the changes made and my should reflect a XXXX balance for the late fees, that did n't happen. So on XXXX XXXX, 2017 and spoke to a young man named XXXX about XXXX XXXX central time. At that time explained to him the problem I was having and we went back and forth with the numbers for a little while before he just came to the conclusion that he did n't understanding why the system was still reflecting a late balance and at that time a new late charge that was n't they 're standard late charge of {$20.00} was showing also. The system at that time was saying that I now owed an additional {$11.00}. Which I told him was impossible because if they give a grace period of 10 days from the XXXX of the month at the time of us speaking I still was n't late. At that point he said he would put in a request to have the matter handle. He told me it would take about a week to fix it has been a week and nothing has been done. I also have contacted XXXX XXXX XXXX Of Wisconsin ( XXXX ) which is named on the mortgage also to help resolve this issue. They are the organization that I abstained my home through. I have attached the payment ledger to this complaint so you can see exactly what is going on with my account. I have made lump some payments at time that did not get posted right. They decide to break the payments up and then they applied them how they wanted to. They will put the money towards unapplied funds or escrow payments instead of late fees or the next months mortgage payment.

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