vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-14 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: VA

Complaint narrative:
I have contacted XXXX, TransUnion and XXXX  about a collection Debt for XXXX XXXX XXXX XXXX it shows the debt opened XX/XX/2016 with XXXX. The Creditor has referred me back to XXXX for any documentation. The collection does not belong to me. The original creditor has not been able to assist me I have submitted two disputes and the only reply I receive from the credit bureau is that it is validated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I have contacted XXXX, XXXX and Equifax about a collection Debt for XXXX XXXX XXXX XXXX it shows the debt opened XX/XX/2016 with XXXX. The Creditor has referred me back to XXXX for any documentation. The collection does not belong to me. The original creditor has not been able to assist me I have submitted two disputes and the only reply I receive from the credit bureau is that it is validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LD Holdings Group, LLC
State: NJ

Complaint narrative:
Loan Depot is taking my home through a foreclosure sale date scheduled for XX/XX/XXXX, even though they have never taken a look at helping me with my mortgage. I have an FHA mortgage loan and I am so frustrated that they have not helped me, even though I believe there are government programs available that would provide my loan with mortgage assistance. I have lived in my home since XXXX and want to spend the rest of my life there, but I am going to lose it because I can not get a review started on my mortgage loan. Just over two years ago I had a tenant who stopped paying rent and I fell behind on my mortgage payments. I am retired and am dependent on my rental income to pay my mortgage and other bills. After I fell behind on my mortgage I had hoped that they would work with me to get my loan back on track, but they are just standing still without providing any sort of mortgage relief. They have never reached out to me work out some sort of mortgage assistance. I never had a single point of contact nor I had I received any sort of communication from them that would show their interest in helping me with my mortgage. It took me quite awhile, but recently I finally got back on my feet financially and desperately work with them. I am very afraid that Loan Depot isnt willing to help me and is taking me through the foreclosure process instead. I would really like to see if your organization would be able to take a look at how they are treating me and to see if there is something that can be done to help me with my mortgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: The Law Offices of Quinn M. Kofford, P.C.
State: UT

Complaint narrative:
At least 3 times a week, a collector will come to our house and pound on the door in the middle of the day. The only people home at the time are my kids ( all minors ) age XXXX, XXXX and XXXX. The first time my XXXX year old opened the door the man harassed him with personal questions about me, along with information about himself. Keep in mind he is XXXX and had no idea what was going on!!! My kids are not allowed to open the door when we are not home but the man continues to come back and look in the windows when my kids are home alone. He will park his car on the side of our property ( in which he is not allowed ) so he is able to " sneak '' up to our front door. I'm tired of this guy scaring my kids. They are minors and should not have to be harassed like this!!! How can I get him to stop? 
XXXX, Utah

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
So my credit card with capital one is always due on the XX/XX/XXXX of every month but somehow they wait until the beginning of next month on the on the XX/XX/XXXX to add an interest in the Cash feed that to me seems a little sketchy when I have asked on numerous occasions came they change my due date to the beginning part of the month so that way I can factor and the interest rate and the cash advance fee and with my regular payment. And I asked for a copy of my new statement to be emailed to me the statement for XXXX for XXXX I was told I couldnt receive it via email last

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14 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:
I was going over my XXXX XXXX and I discover some unverified accounts that I don't recall seeing any accounts for business in my records. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. These are accounts are not accurate please delete : XXXX XXXX {$690.00}, XXXX XXXX {$520.00}, U.S. Bankruptcy XXXX the accounts are not accurate. The accounts in question were actually paid in full. The information is wrong I know for a fact you receive this information from a third party source. However this information in WRONG! Not sure who furnished it is unconfirmed and unverified, it is not 100 % accurate. FCRA 1618 ( a ) ( 5 ). Please delete these records from my credit file

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14 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: FL

Complaint narrative:
I was given a eviction notice 3 days to pay rent or vacate property within the 3 days i moved out my outstanding rent for the prior month had been paid 5 months later I'm in the credit bureau owing XXXX there is no verification of me owing that money or any acknowledgement of me agreeing to it I asked that XXXX XXXX along with experian delete but to no avail.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14 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: KS

Complaint narrative:
I tried to dispute a public record on my report and they are not removing it as asked. They are just doing what they want and don't care what the person is asking. I sent them a letter that indicates that it need removed and the the section number on FCRA that the letter shows.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: VALLEY NATIONAL BANCORP
State: SC

Complaint narrative:
Valley National Bank has not properly setup our mortgage payment system on a new mortgage that we received on XX/XX/XXXX. 

Valley National had many issues with properly setting up their website to receive information via their 'automated ' computer way of getting documentation. They would argue with us many times, and were usually wrong about having made available auto signature documents ( e-docs ) and such. With no apologies coming from them when they constantly made mistakes. 

At the time of closing, we were told ( even after a Notary showed up at our door for all final document signatures one in Florida and the other in South Carolina ) that all was good. 

As of XXXX, we received no payment schedule. We started to get a payment request but it was back dated!!!! Can you believe this, even todaty on XX/XX/XXXX I receive a payment request for payment due of XX/XX/XXXX. Enough Nonsense!!! 

If they want us to use the checking account they sent me checks on, but no documentation on where to go to put money into the account, then send out a HOW TO MAKE THE DEPOSITS PER A PAYMENT Schedule. 

This is my 5th or 6th house, and I have never had so many issues with a bank! Each time I call the person I need to talk to is busy and does not return my calls. 

I don't think we should have ANY late fees, as this is all a mistake and lack of information and instructions on their part!!!!

My wife and I have done our best to guess at their payment schedule and have been sending in 2-3 check payments per month. 

I don't want their lack of instructions and billing payment schedules, and/or how to make payments affect my wife and my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In XXXX of XXXX. I noticed that on my XXXX XXXX account the loan with XXXX that I Co signed for my son was not showing the last three months of on time payments. XXXX, XXXX and XXXX of XXXX. I then sent a dispute of the balance for XXXX XXXX to dispute. On XX/XX/XXXX. XXXX the dispute results came back from XXXX XXXX.I noticed that the account was deleted off my credit report. I did not request for the account to be deleted, I requested for the balance within the account to be simply updated. I then contacted transunion to correct the issue. They informed me that I had to contact the creditor. I did so and the creditor said that the company they use to report these type of things are always behind and that they will get it resolved, that was on XX/XX/XXXX. Today XX/XX/XXXX. I have heard nothing from them the finance companys manager XXXX. So I call just to check the status and was informed by the representative that her manager was the one I had to speak to. The rep said she would leave a note on the managers desk to call me. The rep also informs me that the manager did not know how to correct his problem even after on XX/XX/XXXX I spoke with the manager directly.I was in contact with her ( the manager ) and emailed her all my proof showing what I disputed from the beginning and why the account should not have been deleted but simply updated with a current balance. How can you have a open account thats paid on time and all of a sudden when you see the balance not reflecting the correct amounts just vanish from you noticing that your payments are not being reflected. Something is not right about this company. Working in the banking industry in the past has taught me a lot and this is very much suspicious!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14 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: MA

Complaint narrative:
I hereby file this complaint as the servicer of my student loans is once again destroying my overall credit rating without provocation. As you can see from the several postings on all of my credit reports, the problem is very simple to understand. XXXX XXXX XXXX has the worse history in dealing with the public. My payment history would show a perfect payment history, then suddenly in XX/XX/XXXX, or XX/XX/XXXX they would report up to 11 student loans as an immediate 60-days late, then up to 120-days late for several months, then back to paid on time. All of these loans were deferred and were never in a payment mode. Then once again starting in XX/XX/XXXX they would report all loans as 60-days late, all the way up to 120-days late, then a paid on time rating. All of these loans were always deferred, and now I am consolidating what remains on student loan obligations so that I can finish up my XXXX XXXX in XXXX XXXX. XXXX XXXX XXXX is destroying my credit history. XXXX XXXX XXXX has a contractual agreement with all three credit bureaus. That agreement, called a subscriber agreement, is very clear that the credit reporting entity must abide by the rules and report properly. This is not the case in this matter. XXXX XXXX XXXX is not only destroying my credit, but at the same time they are violating my rights under the Fair Credit Reporting Act. This practice is nationwide where XXXX XXXX XXXX has no concern for the general public. I need this to come to an end, and I need the late payment history deleted completely. I have once again filed a hard copy complaint to XXXX XXXX XXXX, but I anticipate that they will do nothing to clear my payment history. I will follow through with complaints with the Office of Attorney General, Commonwealth of Massachusetts next. I need my payment history fixed immediately!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14 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: CA

Complaint narrative:
The following accounts appear as a fraud on my credit report XXXX XXXX {$4000.00} XXXX {$1700.00} XXXX XXXX   {$440.00} XXXX XXXX XXXX {$2200.00} XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX {$2700.00} XXXX XXXX {$2900.00}

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 2019-01-14 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: MA

Complaint narrative:
I hereby file this complaint as the servicer of my student loans is once again destroying my overall credit rating without provocation. As you can see from the several postings on all of my credit reports, the problem is very simple to understand. XXXX XXXX XXXX has the worse history in dealing with the public. My payment history would show a perfect payment history, then suddenly in XX/XX/XXXX, or XX/XX/XXXX they would report up to 11 student loans as an immediate 60-days late, then up to 120-days late for several months, then back to paid on time. All of these loans were deferred and were never in a payment mode. Then once again starting in XX/XX/XXXX they would report all loans as 60-days late, all the way up to 120-days late, then a paid on time rating. All of these loans were always deferred, and now I am consolidating what remains on student loan obligations so that I can finish up my XX/XX/XXXX in XXXX XXXX. XXXX XXXX XXXX is destroying my credit history. XXXX XXXX XXXX has a contractual agreement with all three credit bureaus. That agreement, called a subscriber agreement, is very clear that the credit reporting entity must abide by the rules and report properly. This is not the case in this matter. XXXX XXXX XXXX is not only destroying my credit, but at the same time they are violating my rights under the Fair Credit Reporting Act. This practice is nationwide where XXXX XXXX XXXX has no concern for the general public. I need this to come to an end, and I need the late payment history deleted completely. I have once again filed a hard copy complaint to XXXX XXXX XXXX, but I anticipate that they will do nothing to clear my payment history. I will follow through with complaints with the Office of Attorney General, Commonwealth of Massachusetts next. I need my payment history fixed immediately!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14 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: MA

Complaint narrative:
I hereby file this complaint as the servicer of my student loans is once again destroying my overall credit rating without provocation. As you can see from the several postings on all of my credit reports, the problem is very simple to understand. XXXX XXXX XXXX has the worse history in dealing with the public. My payment history would show a perfect payment history, then suddenly in XX/XX/XXXX, or XX/XX/XXXX they would report up to 11 student loans as an immediate 60-days late, then up to 120-days late for several months, then back to paid on time. All of these loans were deferred and were never in a payment mode. Then once again starting in XX/XX/XXXX they would report all loans as 60-days late, all the way up to 120-days late, then a paid on time rating. All of these loans were always deferred, and now I am consolidating what remains on student loan obligations so that I can finish up my XXXX XXXX in XXXX XXXX. XXXX XXXX XXXX is destroying my credit history. XXXX XXXX XXXX has a contractual agreement with all three credit bureaus. That agreement, called a subscriber agreement, is very clear that the credit reporting entity must abide by the rules and report properly. This is not the case in this matter. XXXX XXXX XXXX is not only destroying my credit, but at the same time they are violating my rights under the Fair Credit Reporting Act. This practice is nationwide where XXXX XXXX XXXX has no concern for the general public. I need this to come to an end, and I need the late payment history deleted completely. I have once again filed a hard copy complaint to XXXX XXXX XXXX, but I anticipate that they will do nothing to clear my payment history. I will follow through with complaints with the Office of Attorney General, Commonwealth of Massachusetts next. I need my payment history fixed immediately!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In XX/XX/2017, somebody used my debit card and spent money at a XXXX 's XXXX, as well as a XXXX. I reported these charges immediately and was refunded by Bank of America. A few months later, I received another charge from XXXX. This charge was much larger and based off online research, I assume it's because the person who used my card never returned their XXXX   rental ... so I was getting charged a no return fee by them. I called Bank of America immediately and let them know XXXX has charged me again. They reversed the charge. Then the next month, XXXX charged me again. I call Bank of America, and just like last time, they reverse the charge. Skip to the next month, and XXXX has charge me yet again. Clearly this issue isn't being taken care of. On top of that every time XXXX charges me and Bank of America reverses it, Bank of America insists on sending me a new card ... leaving me cardless each time for about a week. 

This had to have gone on 4-5 times. The last time I spoke to Bank of America, we actually conference called XXXX together and spoke to a representative there who said he was closing the account and making a note that I was a victim of fraud. They stated no more charges should go through. 

Now I write this because this past weekend, Bank of America sent me a notice stating my claim has been denied and they took the XXXX money ( {$75.00} ) back out of my account. Both these companies have allowed someone to just straight steal money from me and I don't know what else I can do at this point.

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