vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-09 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: NY

Complaint narrative:
XXXX XXXX continues to report my account late monthly to the various credit agencies. 

The student loan account was charged off and I was told would be sent to a collection agency. The agreement was that to avoid being sent to a collection agency, I can pay XXXX XXXX the monthly agreed upon payment directly at a reduced interest rate. 

Ive been paying them approximately {$200.00}, as agreed, monthly over the last two years, never late during that time. However, XXXX XXXX has been reporting my account late every month with the credit bureaus r

eporting the account as failed to pay. Ive included a copy of the XXXX   credit report which reflects the current balance of {$35000.00} ( original balance of {$33000.00} ). There is a past due listed if {$9300.00} which is not consistent with any communication provided by XXXX XXXX. 

The repayment terms are 235 months. 

The current monthly payment of {$200.00} across 235 months at 0 % interest, clearly indicates that it more than pays for the debt over that period of time. As such, the reporting to the various credit agencies is incorrect. The account should be reported as current - in repayment - paid as agreed. 

XXXX  previously removed the account for a month based on my dispute but they started to rereport as of last month. I would like for this account to be reflected correctly on a monthly basis as paying as agreed or removed from my credit report permanently with no future reporting. 

Thank you, 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 2019-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
XX/XX/19 chase cleared check and withdrew funds then reversed it on XX/XX/19 and returned check.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 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: HI

Complaint narrative:
The following accounts are not my responsibility..I never purchased anything nor was I notified about this error.. The accounts just appeared on my credit report..I am extremely upset about this situation because I find it absolutely ridiculous that this information is being reported without contacting me first.Either these creditors made a mistake placing them on my credit report or someone messes up with my personal information, either way, I want you to remove them asap XXXX XXXX XXXX XXXX , XXXX/XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 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: HI

Complaint narrative:
I did not authorize anyone employed by XXXX XXXX XXXX  to make any inquiry and view my credit report. I don't even know who they are or how they obtained my information..This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 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: HI

Complaint narrative:
I did not authorize anyone employed by XXXX, and XXXX XXXX XXXX to make any inquiry and view my credit report. I don't even know who they are or how they obtained my information..This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights

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 2019-08-09 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: HI

Complaint narrative:
I did not authorize anyone employed by XXXX  XXXX to make any inquiry and view my credit report. I don't even know who they are or how they obtained my information..This is a violation of the Fair Credit Reporting Act Section 1681b ( c )  and a serious breach of my privacy rights

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 2019-08-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: NAM National Arbitration and Mediation
State: SC

Complaint narrative:
On XXXX XXXX 2019 an aggressive XXXX XXXX called from ADR ( XXXX ) XXXX threatening to come to my house ( left my address on the voicemail ) to serve legal paperwork & claimed she'd be on the look out for my car ( left the last 4 of the vin on the voicemail ) if I didn't make myself available. When I called a rude XXXX explained the call was about a XXXX XXXX credit card that was discharged in a 7 yr old bankruptcy. She claimed the creditor had filed a new appeal & was now taking legal action against me. I told her I would call my attorney & I provided them the voicemail recording.

Company response to consumer: Untimely response
Consumer complaint received 2019-08-09 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: CA

Complaint narrative:
Following credit inquiries were not authorized XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2019-08-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: BARCLAYS BANK DELAWARE
State: MN

Complaint narrative:
I lost my job and was laid off and at the mean time going through divorce. I did not have a job for 7 months and right now working part time and barley cover anything but to survive a place to live under the roof. I have made an effort to put all my creditors to XXXX XXXX XXXX and pay monthly to debit relief and now I am being sued by XXXX XXXX Attorney at Law with XXXX credit card and saying they will garnished my paycheck.. I do not think its right since I am making an effort by going through Debt Relief program that's the only options I can do and limit amount I can afford to pay it off Thank you

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 2019-08-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
I had taken a loan from Sallimae which later was taken over by Navient. 
I have been very good with my loan repayments. Always on time as I am on auto repayment I havent missed even 1 payment. 
While signing the loan I very clearly remember it saying that if I am good with my loan repayment I will get a loan forgiveness for my last 6 months. 
However few months ago they increased my stating the the loan doesnt add up. 
I wasnt sure and now I think I am basically paying off the last 6 months loan forgiveness loan. I am am so upset. 
I dont have the time to fight them but I think they should be punished if they stealing money from hardworking taxing paying individuals Have attached a document stating my loan amount is changed. 
I had a fixed rate of interest and didnt default but they increased my payment which I am sure is to cover the last 6 months loan forgiveness for paying on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Mr. Cooper Group Inc.
State: IN

Complaint narrative:
We sold the home and closed on XXXX/XXXX/219, the Nationstar mortgage was paid off XX/XX//2019.  We made the XXXX/2019 payment. We were never late, ever, on this account! Now Nationstar reported both of us on this account as 30 days late in XXXX 2019? We have mailed dispute letters to all bureaus and a direct letter to Nationstar. Have not hear anything back? We are trying to close on a new mortgage in XXXX, but this will not happen with this egregious payment error on both of our credit reports!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: NY

Complaint narrative:
On XXXX/XXXX/19, I provided PennyMac with my homeowner 's insurance renewal documents which showed that the renewal amount was {$720.00}. I indicated to them this information because the amount they showed on the website to pay out was {$670.00} which was the incorrect amount. PennyMac responded back to me that they would research my concerns. 

On XX/XX/XXXX19, instead of paying out {$720.00}, they paid out the incorrect amount of {$670.00}. 

Again on XXXX/XXXX/19, I noticed that my escrow information was INCORRECT. Again, I sent my insurance renewal documents to PennyMac indicating that the correct amount to be paid was {$720.00}, NOT {$670.00}. Furthermore, PennyMac listed my next insurance renewal date as XX/XX/XXXX instead of XX/XX/XXXX since my policy is only for one year. So essentially they have the wrong dates and wrong amounts. Again, PennyMac responded back to me that they would research my concerns.

It has now been past the 7 days that PennyMac said they would research and get back to me and no one has reached out to me, my escrow information is still incorrect, and my insurance renewal is STILL UNDERPAID. To avoid having my insurance lapse, I have already paid the difference that PennyMac didn't pay WHICH DEFEATS THE WHOLE PURPOSE OF HAVING AN ESCROW.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: SC

Complaint narrative:
I received a negative annotation on my credit file/report at the credit bureaus from the collections agency listed as Enhanced Recovery Co, despite not owing this debt. I have contacted this company explaining to the person I spoke with that this debt is not mine, and it is a result of identity theft. I also told this person that I never opened an account with or did business with the company that I am supposed to owe. The drop off date for this debt on my credit file is listed as XX/XX/XXXX, which indicates that I either opened an account or had been delinquent for the account in question in XX/XX/XXXX. I have never had any service from XXXX XXXX, and despite my informing the mentioned Enhanced Recovery Co of all the above statements, with emphasis that this is an account opened fraudulently, I was totally ignored and was told to simply pay the amount of {$520.00}. Not only is company Enhanced Recovery Co disregarding my plea for attention to this matter, they are directly contributing to my being victimized, by asking me to pay this amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Related to complaint XXXX. Without a signed contract ( even an electronic signature ), a company can not provide a legal basis the account was opened by the person in question. Your office continues to state I opened this account and benefited from this account but have yet to provide even an electronic signature bearing my signature. Note, " When a person opens a fraudulent account, they use another person 's personal verified information but have the account information sent to another address ''. This was the case here! By your own words, you agree with these statements. 

Please note the following : 1. I have never lived at the address in Alabama where the account was opened showing this account was fraudulent when it was opened. This account was opened by a person with the last four XXXX living in Alabama. 

2. The letter regarding {$200.00} was not included for review and signature. Also, after receiving your letter stating I notified your office regarding the account was when I sent your office a letter stating this account was fraudulent and started the dispute process. Further, I have never needed to file for bankruptcy as my current credit card utilization is 11 % out of $ XXXX. IF proven, I would/ could pay this account in full - but your organization refuses to provide documentation. I have worked extremely hard to maintain my credit rating. 

3. The lawfirm is the second to contact me and decline to pursue collection because the information can not be verified by the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. Again, you agree you do not have a signed ( even electronic signature ) proving the account was opened by me but another person from Alabama with the last four XXXX. 

4. XXXX and XXXX credit agencies have deleted the information because the account can not be verified in accordance with the FCRA.

5. Your office is in violation of the FCRA. If you could provide ANY signed documentation I opened this account, you would provide it! The bank is intentionally ruining my credit rating with 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 2019-08-09 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: AZ

Complaint narrative:
Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.

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 2019-08-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I pulled my credit reports a few months ago. I noticed that this company reported some debt that does not belong to me. I have disputed this debt thru the credit bureaus and it came back as verified. I filed some identity theft reports with the FTC, I filed a fraud affidavit with this company and have emailed to their collection manager XXXX XXXX and I have yet to hear anything about this. I have also contacted the credit bureaus to put a security freeze on my reports as well. I also found out that this company has this on my credit report but this debt does not even match my social security number, my social security ends in XXXX they have it listed ending in XXXX. I have also noticed on my credit reports that it states XXXX is reported as a variation of my real social security number and this company is the cause of this. so how in the world its listed on my credit reports. This is my LAST STEP in getting this resolved and removed. My very next step is to file a lawsuit. I take my credit seriously and this matter has not been resolved yet and I am furious.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 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: UT

Complaint narrative:
have sent multiple letters to credit bureaus in response to innacurrate information on my report. They claim to have " VERIFIED '' account that has not actually been verified. If they had they would see that it is not accurate. XXXX  has already deleted because its innacuarte and Im pleading with the other bureau to do the same and plesse delete this information. Account XXXX XXXX XXXX. Its ruining my credit and I can't buy a house due this this. Please delete immediatly. I'm sending a picture to verify this information is innacurate so delete please

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 2019-08-09 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: AZ

Complaint narrative:
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. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX/XXXX   XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX ( Original Creditor : XXXX   XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 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: AZ

Complaint narrative:
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. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   ( Original Creditor : XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 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: AZ

Complaint narrative:
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. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX, XXXX  XXXX and XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 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: IL

Complaint narrative:
I've tried several times before to correct errors on my consumer credit report with the CRA and as of today 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