vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-25 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: TX

Complaint narrative:
I had a credit card with XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX  / XXXX  is reporting this as a Charge Off in XXXX. I have letters and statements from them stating that it had a XXXX balance as late as XXXX!!! How can it be late or have a Charge Off if it has a XXXX   balance? 

XXXX  and XXXX XXXX have refused to correct this error. I have disputed it numerous times. But XXXX  and XXXX XXXX  have refused to correct the error. 

I am attaching a letter with a copy of the statement showing a XXXX balance sent by XXXX   / XXXX XXXX date XXXX. This should serve as proof of the mistake by 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 2020-08-25 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: TX

Complaint narrative:
I had a credit card with XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX XXXX  / XXXX  is reporting this as a Charge Off in XXXX. I have letters and statements from them stating that it had a XXXX balance as late as XXXX!!! How can it be late or have a Charge Off if it has a XXXX   balance? 

XXXX  and XXXX XXXX  have refused to correct this error. I have disputed it numerous times. But XXXX  and XXXX XXXX  have refused to correct the error. 

I am attaching a letter with a copy of the statement showing a XXXX balance sent by XXXX   / XXXX XXXX  date XXXX. This should serve as proof of the mistake by them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 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: TX

Complaint narrative:
I had a credit card with XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX XXXX  / XXXX  is reporting this as a Charge Off in XXXX. I have letters and statements from them stating that it had a XXXX balance as late as XXXX!!! How can it be late or have a Charge Off if it has a XXXX   balance? 

XXXX  and XXXX XXXX  have refused to correct this error. I have disputed it numerous times. But XXXX  and XXXX XXXX  have refused to correct the error. 

I am attaching a letter with a copy of the statement showing a XXXX balance sent by XXXX   / XXXX XXXX date XXXX. This should serve as proof of the mistake by 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 2020-08-25 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: HYUNDAI CAPITAL AMERICA
State: CT

Complaint narrative:
On XX/XX/XXXX, I leased a vehicle. My monthly payment is {$320.00} which is due by the XXXX the month. From XX/XX/XXXX through XX/XX/XXXX I made all my payments electronically and on time. In XX/XX/XXXX a lease refund check in the amount of my monthly payment was mailed to me. ( {$320.00} ). I tried calling the finance company for an explanation but to no avail. In XX/XX/XXXX another lease refund check was mailed for the same amount. Again I called for an explanation. No response. On XX/XX/XXXX someone called me to say that my lease payments were past due. I asked about the refund checks and was told that the account number to which the payments were sent could not be verified, even though all seven payments were sent to the same account number and five payments were accepted. I was given an account number to send all future payments, and was told that if the refund checks were sent back by XX/XX/XXXX, payments would not be considered late, and all late fees would be cancelled. I forwarded both checks to them by XX/XX/XXXX, but on XX/XX/XXXX my account was reported to the credit bureau as PAST DUE, and the late payment fees were never cancelled, as they continue to appear on my monthly statement.

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 2020-08-25 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: CT

Complaint narrative:
I have student loans which have been in default but for the past 3 to 4 years the monies have been coming directly out of my paycheck. And when the CARES Act was initiated, the company I work for suspended payment to the company named XXXX XXXX. I am trying to move into an apartment and I was denied then I looked at my credit score and it had tanked tremendously. I did file a dispute with Experian but I was not sure if I should do the same with the other credit bureaus. I was told by XXXX that it would look like non-payments because there were no payments made. So I asked what about the CARES Act and was told that it did not apply to defaulted loans. But when looking at your site I read the following. ( From your site ) If your federal student loan is already in default, The CARES Act requires the Department of Education to stop the collection of defaulted federal student loans, including garnishment of wages and the offset of tax refunds and Social Security benefits, through XX/XX/2020. XXXX There is no additional action required from you for your federally- owned loans. For all other defaulted federal loans, contact your loan holder to find out about your options. 

If you are rehabilitating a defaulted student loan, any missed payments through XX/XX/2020, * due to the coronavirus pandemic will not be considered a missed payment against your rehabilitation. 

Can you help me in this matter. I just want my credit score to be reflected that the payments are being paid or stopped due to COVID 19. 

Thank you for your assistance in this matter.

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 2020-08-25 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I was a victim of Identity Theft, I submitted an ID THEFT AFFIDAVIT and POLICE REPORT in regards to the fraudulent accounts that have been listed in my name ... per Section 605B, these accounts should BE blocked and or removed during the investigation process, yet all XXXX bureaus continue to report these items furthering the damage already done to my financial future. All proper documentation was submitted on XX/XX/2020.

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 2020-08-25 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: CO

Complaint narrative:
Equifax and XXXX  should not be reporting that I am ( 120 ) days late on the DEPTEDXXXX partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report along with a copy of my Drivers License for identification purposes to investigate this complaint. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 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: FL

Complaint narrative:
I have a XXXX account on my credit report from XXXX, reported delinquent in XXXX, XXXX. I have never opened this account.I have disputed this account with Experian, XXXX, and XXXX  and it comes back verified. I have tried reaching out to XXXX and they tell me the account is too old to do anything about, and unless I have the account number they refuse to discuss it with me. The account had a balance of XXXX. After I disputed the account numerous times it now shows {$0.00} balance, but updates {$0.00} dollars with a derogratory statement on Experian and XXXX  monthly. XXXX  has a XXXX balance but havent updated since XXXX. I am so frustrated with this situation. Experian is the worst, everytime I disputed the XXXX was updated until it now shows, XX/XX/XXXX. The other CRAs have the XXXX at XX/XX/XXXX. This is wrong and illegal. Please help me get this fraudulent account off all three CRAs.

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 2020-08-25 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: CO

Complaint narrative:
XXXX and Transunion should not be reporting that I am ( 120 ) days late on the DEPTEDXXXX partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report along with a copy of my Drivers License for identification purposes to investigate this complaint. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit  report. I have contacted the bureau to remove these however, I have not been successful.

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 2020-08-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: TX

Complaint narrative:
My home is currently in foreclosure with LoanCare LLC. I called to request a reinstatement amount. I was given a reinstatement amount of {$16000.00}. In my calculation, this amount is incorrect and I previously requested a payment history in writing TWICE but my request was never processed. I was told on the XX/XX/2020 to send the payment via wire transfer. I went to my bank at XXXX CST to send the wire. I called XX/XX/2020 and was informed my wire was not received. I was transferred to Supervisor XXXX Agent #  XXXX. He sounded sleepy or possibly inebriated. He spoke in a very unprofessional tone. He was able to locate my payment but said he did not know when it would be applied. I explained to him a loan servicer can not delay applying a payment. He said he would research. I explained the amount they gave me to reinstate my loan was good through XX/XX/2020. LoanCare has hindered me every step of the way in my attempts to save my home from foreclosure. They have given me misinformation and lied about what options I had to keep my home. This is just another in a long list of tactics employed by this company to try to remove me from my home. I received a letter yesterday stating I agreed to sell my home. I never agreed to that either. Now today you are unable to apply my payment? It is not only fraud but discrimination.

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 2020-08-25 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC
State: OK

Complaint narrative:
This is with regard to medical from 2 years ago. These calls from TransWorld Systems , Inc. are unceasing. They have been notified we are on DO NOT Call registry, but they don't care. The ID Code is XXXX. I want this stopped. If they need to contact me they have my address.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: VA

Complaint narrative:
Hi, I was given 2 gift cards from XXXX Visa for a total of {$750.00} Ok & as soon as I tried to use it the money was gone. Whats most concerning is the amount of exact same issues are HUGE!! Claims of fraud all over the internet. I called them several times and they just said I had to dispute it with the companies where the fraudulent activity occurred. That is ridiculous because the company is not going to just give me money because I say I was robbed.

I contacted them I contacted Visa and I contacted the issuing bank and nobody could help me.

This is crazy that somebody can take my money and nobody will help me. Whats even crazier is how many people they have done this too. Somebody is making a lot of money. I am concerned that this is happening from the company and they are making a ton of money of stealing from people. Please help me or please tell me who can help me. I hope that somebody can help me but most of all I hope somebody investigate this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 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: WA

Complaint narrative:
Experian should not be reporting that I am ( 120 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report along with a copy of my Drivers License and Utility Bill for identification purposes to investigate this complaint. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-08-25 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: WA

Complaint narrative:
Transunion should not be reporting that I am ( 120 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report along with a copy of my Drivers License and Utility Bill for identification purposes to investigate this complaint. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-08-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: AFNI INC.
State: IL

Complaint narrative:
AFNI sent me a letter dated XX/XX/XXXX, but it was not received until XX/XX/XXXX. I am enrolled in the USPS informed delivery which proves the date it was delivered. 10 days to receive an intrastate letter via USPS to a major city seems doubtful. Rather I suspect the company intentionally delays sending the letter to reduce the amount of time I have to dispute their claim ( which is an obvious mistake in itself ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I sent the sum of {$860.00} through Paypal.com and the company charged me the sum of {$25.00} charging me a total of {$890.00} to a company called XXXX XXXX XXXX XXXX phone number XXXX who reported to me they did not receive the funds. I complained to paypal.com ( see info below ) Dispute Case ID : XXXX Transaction Amount : {$890.00} USD Dispute Amount : {$860.00} USD Transaction ID : XXXX Transaction Date : XX/XX/202 And Paypal said they show the funds were processed and there was nothing they could do. I have confirmed with XXXX  XXXX  they do not have the funds. I don't understand the explanation of paypal that they can't assist headstone world in accessing the funds or returning the funds back to me. I need your assistance in getting a better explanation from Paypal.com as to why the funds can't be provided to either XXXX XXXX  or myself.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-25 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: GA

Complaint narrative:
I was a victim of Identity Theft, I submitted an ID THEFT AFFIDAVIT and POLICE REPORT in regards to the fraudulent accounts that have been listed in my name ... per Section 605B, these accounts should BE blocked and or removed during the investigation process, yet all 3 bureaus continue to report these items furthering the damage already done to my financial future. All proper documentation was submitted on XX/XX/2020.

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 2020-08-25 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I was a victim of Identity Theft, I submitted an ID THEFT AFFIDAVIT and POLICE REPORT in regards to the fraudulent accounts that have been listed in my name ... per Section 605B, these accounts should BE blocked and or removed during the investigation process, yet all 3 bureaus continue to report these items furthering the damage already done to my financial future. All proper documentation was submitted on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Hi, company reported debt that was paid.

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 2020-08-25 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: TX

Complaint narrative:
Equifax and XXXX should not be reporting that I am ( 120 ) days late on the XXXX partial account numbers XXXX and XXXX. ( Please see page attached from my credit report along with a copy of my Drivers License and Utility Bill for identification purposes to investigate this complaint. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation