vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-08 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: OH

Complaint narrative:
My identity has been compromised and niw there's accounts reporting on my file inwhich i have no knowledge of and I'm demanding that the credit reporting agencies delete them immediately or provide me with physical documentation of such accounts. 

1 ) XXXX XXXX XXXX {$520.00} 2 ) XXXX XXXX XXXX {$190.00}

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 2020-01-08 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: NY

Complaint narrative:
All of my account balances are XXXX and I have notified the credit bureaus since XX/XX/2019 and they still showing balances incorrectly

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 2020-01-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
XXXX XXXX presented himself as a XXXX who worked at XXXX XXXX, an XXXX XXXX XXXX in the XXXX XXXX XXXX. He requested I tow my XXXX to his shop, and the cost to replace the engine was {$2000.00}. 

Mr. XXXX requested three milestone payments be made to his shop of {$500.00} each via XXXX for work that had been completed on my vehicle. XXXX sent pictures once the engine was setup, once it was installed, and once the engine was running. The last {$500.00} due, I mentioned I would pay when the far was ready for pickup 3 transfers were sent via my Bank of America checking account to the Bank of America account for service repair shop XXXX represented as XXXX XXXX. {$500.00} XX/XX/XXXX, {$500.00} XX/XX/XXXX, {$500.00} XX/XX/XXXX. 

I called Mr. XXXX a minimum of ten times in the last ten days, and sent him 10 text messages regarding the date to pick up my XXXX. XXXX set two dates to pick up the car at XXXX XXXX and rescheduled them, as he was not available. 

I called the owner of XXXX XXXX and he confirmed he knew of Mr. XXXX, but at no time had Mr. XXXX EVER worked with for XXXX XXXX, and he was not a XXXX XXXX   employee. 

The owner of XXXX XXXX mentioned they had worked on my XXXX and had replaced the engine and it was ready for pickup. I asked about the balance remaining, and was surprised to hear that all of trabsfer Bank Of America never were sent to XXXX XXXX. Instead the {$1500.00} I paid went to Mr. XXXX XXXX personal account. Finally I was surprised to hear that the XXXX XXXX had not received the XXXX transfers. 

Contacted Bank of America ( BOA ) who filed a scam report XXXX XXXX XXXX Even though the money was sent from my BOA account, BOA refused to accept chargeback claim, and issue a provisional credit, even though the money transferred was taking from my BOA checking and transferred to another BOA. This is a BOA to BOA transfer, irregardless of the XXXX software. I had to sign into my BOA account. See attached files for my Banking Account info. 

Bank of America requested I filed a 2nd police report, and the CSR filed a Scam Reporr. On Wed, I will file police report and stop future ACH

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 2020-01-08 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: NY

Complaint narrative:
All of my account balances are XXXX and I have notified the credit bureaus since XX/XX/2019 and they still showing balances incorrectly

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 2020-01-08 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:
I have a listing on my credit report from XXXX/XXXX. This account was passed off to XXXX XXXX and we ended up going to court where I was awarded a judgement for defective goods that they sent me. The credit bureau was sent a copy of the court documents and are refusing to remove it 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 2020-01-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: AL

Complaint narrative:
Approximately XX/XX/2019, Roundpoint choose an insurance policy with the same coverage for my ESCROW, but the premium went from {$1400.00} annually to over {$2100.00}, they increased my monthly payment about $ XXXX to cover the new shortage. I called and canceled that policy myself, got a new equitable policy, and calculated my taxes insurance etc and appeared to have an overage in my ESCROW so that Id be due a refund. They told me the new monthly payment would stay the same due to their projected ESCROW account estimates. Today they have tried to increase my rate AGAIN, citing the same insurance issue and demanding an additional {$880.00} for my ESCROW due to another assessment completed XXXX XXXX. My new policy was {$1800.00}, the taxes did not increase that much this year and have been approximately {$600.00} annually, and it appears that even asking them to cancel the old policy they still have this listed on the ECSROW account, I have called these people 6 times since XXXX and have had no resolution with clearing up these issues.

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 2020-01-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I want to purchase a car and realized I need to lift my credit report freeze with TransUnion. I logged on to transunion.com to lift the freeze via my phone. I realized I entered the wrong verification data and they still took the freeze off! I logged on to my computer to find contact info to express my discomfort with their security verification. The phone number, although appearing to be a US number, was a call center in XXXX, XXXX. I expressed my concern and was asked for a lot of personal information ( which I was uncomfortable releasing ). They could not explain why the " unfreeze '' was permitted and transferred me to a supervisor in XXXX named XXXX. That is all he would disclose to me. XXXX also had no explanation for why I was able to unfreeze with incorrect data. They said someone would try to reach me tomorrow. This is unacceptable and extremely disconterting.

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 2020-01-08 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: NY

Complaint narrative:
Ive been disputing my XXXX account that is on my credit reports. The account has never been paid late ... XXXX has investigated this and corrected it to show as a positive account however upon reviewing my Experian credit report today XX/XX/XXXX it is still showing as a negative account and will go to positive in the year XXXX. This is hurting my credit with this account reporting incorrectly. I have disputed this numerous times it has never been paid late.

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 2020-01-08 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 have had a fraud alert placed on my Equifax credit file that indicates anyone who runs my credit needs to call me and that was not done and violates my rights as a consumer. I have reached out to Equifax on more than one occasion to advise my credit was pulled without my permisson and the stated that these items were accurate. I need this inquiries removed from my report XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 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: OH

Complaint narrative:
My identity has been compromised and niw there's accounts reporting on my file inwhich i have no knowledge of and I'm demanding that the credit reporting agencies delete them immediately or provide me with physical documentation of such accounts. 

1 ) XXXX XXXX XXXX {$520.00} 2 ) XXXX XXXX XXXX {$190.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 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: OH

Complaint narrative:
My identity has been compromised and niw there's accounts reporting on my file inwhich i have no knowledge of and I'm demanding that the credit reporting agencies delete them immediately or provide me with physical documentation of such accounts. 

1 ) XXXX XXXX XXXX {$520.00} 2 ) XXXX XXXX XXXX {$190.00}

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 2020-01-08 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: NY

Complaint narrative:
Ive been disputing my XXXX account that is on my credit reports. The account has never been paid late ... XXXX has investigated this and corrected it to show as a positive account however upon reviewing my XXXX credit report today XX/XX/XXXX it is still showing as a negative account and will go to positive in the year XXXX. This is hurting my credit with this account reporting incorrectly. I have disputed this numerous times it has never been paid late.

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 2020-01-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Ive been disputing my kohls account that is on my credit reports. The account has never been paid late ... XXXX  has investigated this and corrected it to show as a positive account however upon reviewing my XXXX  credit report today XX/XX/XXXX it is still showing as a negative account and will go to positive in the year XXXX. This is hurting my credit with this account reporting incorrectly. I have disputed this numerous times it has never been paid late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: OH

Complaint narrative:
OnXX/XX/2019 I became aware that FedLoan Servicing ( MyFedLoan ) stopped auto drafting for two of my student loans without notification and without my consent. The bank account which these loans are auto drafting from has more than enough funds to supplement the auto-draft, so any none sufficient funds is not the issue. Additionally it seems MyFedLoan drafted my account on XX/XX/19, but did not actually apply it to the loan as it's still due for the same date and is building up interesting in the mean time. It's been over two weeks since my initial inquiry with MyFedLoan and they have not provided me with any additional details or response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: BSI Financial Holdings, Inc.
State: LA

Complaint narrative:
I applied for loss midigation with my mortgage company and sent all requested documents and have been denied. I also sent an appeal and have not got a response. This is a extreme time sesative case.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: NJ

Complaint narrative:
I have multiple loans with AES and have a near perfect payment history with them. But in XX/XX/2019, I was out of the country and unknowingly missed a payment for which they reported me 30 days delinquent. The AESobile and online portal for paying loans is very tough to use and confusing to pay what is owed and also see what is timely versus what is late. Even XXXX reps will say it's confusing. This issue caused me to not apply payment properly to the right loan and pay the right amount. Hence I was short and they marked the loan late as I didn't pay until I returned in end of XXXX. I've tried to reach multiple people and get this remediated but noone is working with me. This is a huge issue and one payment is causing grief and credit score issues. Their platform for payment is completely misleading, and I'm suffering as a result of the confusion it caused. Furthermore I inquired immediately about if I can get a backdated forbearance around when this happened and they said it was not available. Multiple reasons why they should really remove my XXXX late mark

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital one closed out my account 2 months after opening a secured card after I put a fraud alert on the 3 credit bureaus after my information was leaked. The credit card was opened and sent to me in XXXX ( I applied in XXXX ) I had to send in proof of identity and got my card in XXXX. Capital one did not notify me about any problems with my account or any issues with my account. I had auto pay set up online through my bank account to send min payment every month on due date. They received payments XXXX, XXXX in XXXX, XXXX and they closed it in XXXX. They did not notify me that the account had been closed and still received payments XXXX, XXXX, and XXXX but have no records for the payments going through since the account was already closed. The account is also being charged late fees every month since XXXX ( even with payments being sent and made ) but the account is closed so there is no payment due date. I called to get information and they are not giving me any information as to why the account was closed and why I was not notified and wont return the late fees

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 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: NV

Complaint narrative:
These accounts are not mine. Please remove them.

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 2020-01-08 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: ProCollect, Inc.
State: MS

Complaint narrative:
I requested Validation from this company for a unknown debt thats on my account but they never sent me proof that i signed anything thats saying i owe them. they sent me a account that has my name and address on it with a bill but this could be anybody debt and i know its an invalid debt but they are keeping it on my account but i requested Validation from the company asking them to show me what the money you say I owe is for : Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service I want more than just a bill in the mail. i will take legal actions because this is a violation of the FCRA, Fair Debt Collection Practices Act, and Defamation of Character because its not validation.

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 2020-01-08 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: NV

Complaint narrative:
These accounts are not mine. Please remove them.

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 2020-01-08 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: NV

Complaint narrative:
These accounts are not mine. Please remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 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: NV

Complaint narrative:
This account isn't mine. Please remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 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: NV

Complaint narrative:
This account isn't mine. Please remove it.

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 2020-01-08 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: Conn's, Inc.
State: TX

Complaint narrative:
I have been struggling to get all erroneous CHARGE OFF 'S off and ERRONEOUS statuses of my Credit Report showing that they were SETTLED FOR LESS INCORRECTLY when this account has been fully paid off since XX/XX/XXXX and they CHARGED IT OFF in XXXX of XXXX. The CREDIT BUREAUS are saying that they investigated that the information they are reporting is TRUE AND CORRECT INFORMATION for XXXX   AND XXXX. I have even contacted CONNS LEGAL DEPARTMENT, and visited a store for help and they just take my name in the Legal Department and say that they will be getting back with me. I have been getting the run around since XX/XX/XXXX with these Credit Reporting Agencies and CONNS APPLIANCES. 

CONNS XXXX XXXX XXXX XXXX TX, XXXX XXXX I have been writing letters and repeated Phone Calls and now CONNS are messing up my credit and life with other companies because I am trying to purchase a House for my family and I and I am trying to prepare to take them to court for DEFAMATION OF CHARACTER.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-08 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: NV

Complaint narrative:
These accounts listed are not mine. Please remove them.

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 2020-01-08 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: NV

Complaint narrative:
These accounts listed are not mine. Please remove them.

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