vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
To whom it may concern : written you three time already about accounts in my credit that do not belong to me, you have refused to remove from my credit. You have stated that the public records belong to me but you have as a third party reporting agencies you have to have physical evidence in order to list this account in my credit, I'm a litigious consumer an I intent to enforce my right My information had been breach in recent and pass data breaches, accounts, inquiries, public records had been placed on my credit report. An FTC complaint has been filed with all this fraudulent items that do not belong to me, Section 609 A 1 A, state that you must have physical verification of any items reported on a consumer credit file.please remove all this items 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 explanation
Consumer complaint received 2019-07-14 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: EQUIFAX, INC.
State: GA

Complaint narrative:
To whom it may concern : written you three time already about accounts in my credit that do not belong to me, you have refused to remove from my credit. You have stated that the public records belong to me but you have as a third party reporting agencies you have to have physical evidence in order to list this account in my credit, I'm a litigious consumer an I intent to enforce my right My information had been breach in recent and pass data breaches, accounts, inquiries, public records had been placed on my credit report. An FTC complaint has been filed with all this fraudulent items that do not belong to me, Section 609 A 1 A, state that you must have physical verification of any items reported on a consumer credit file.please remove all this items from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX was reporting a 90 late payment on two accounts in XX/XX/2014. I disputed the accounts in accordance with FCRA. Instead of correcting the errors, XXXX removed 7 accounts from my credit reports that were in good standing causing my scores to plunge. 

The 90 late payments were in XX/XX/2014 and they were eventually brought current. As such, they should have been removed according to Section 623 ( a ) ( 2 ).

I have attached an FTC advisory opinion which interprets Section 623 ( a ) ( 2 ) of the FCRA. The issue posed in the advisory opinion is how a lender is to handle a situation when subsequent information updates a report that was allegedly accurate when it was made but no longer is accurate in the present time ( i.e., the identical situation I am currently in ). The advisory opinion states that Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by furnishers, or persons who furnish information to consumer reporting agencies ( CRA ) such as credit bureaus. In particular, this section requires a person that has furnished to a consumer reporting agency information that the person determines is not complete or accurate to promptly notify the consumer reporting agency of that determination and provide any information needed to make it complete and accurate. Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to update accounts as well as to correct. XXXX communication regarding retroactive forbearances states If the forbearance was applied retroactively to cover a period of delinquency, any information previously reported to each nationwide consumer reporting agency will remain. However, Section 623 ( a ) ( 2 ) clearly shows that the reports must be updated/corrected regardless of whether they were accurate at one 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 explanation
Consumer complaint received 2019-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX was reporting a 90 late payment on two accounts in XX/XX/2014. I disputed the accounts in accordance with FCRA. Instead of correcting the errors, XXXX removed 7 accounts from my credit reports that were in good standing causing my scores to plunge. 

The 90 late payments were in XX/XX/2014 and they were eventually brought current. As such, they should have been removed according to Section 623 ( a ) ( 2 ).

I have attached an FTC advisory opinion which  interprets Section 623 ( a ) ( 2 ) of the FCRA. The issue posed in the advisory opinion is how a lender is to handle a situation when subsequent information updates a report that was allegedly accurate when it was made but no longer is accurate in the present time ( i.e., the identical situation I am currently in ). The advisory opinion states that Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by furnishers, or persons who furnish information to consumer reporting agencies ( CRA ) such as credit bureaus. In particular, this section requires a person that has furnished to a consumer reporting agency information that the person determines is not complete or accurate to promptly notify the consumer reporting agency of that determination and provide any information needed to make it complete and accurate. Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to update accounts as well as to correct. Navient communication regarding retroactive forbearances states If the forbearance was applied retroactively to cover a period of delinquency, any information previously reported to each nationwide consumer reporting agency will remain. However, Section 623 ( a ) ( 2 ) clearly shows that the reports must be updated/corrected regardless of whether they were accurate at one point.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-14 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
on my equifax report i have an item in collection from XXXX XXXX XXXX XXXX for {$200.00}, the date opened is unclear ( approx 5 years ). i have asked this agency numerous times to supply me with a original contract signed by me with their agency for a few years now and still i have not received this document. i dispute this item with equifax numerous times and they keep stating the item was verified by XXXXXXXX XXXX i disputed this item again in XXXX and received the results today XX/XX/2019 from equifax and again they stated XXXXXXXX XXXX  verified this information is correct by me contacting equifax by phone. i asked the first equifax representative XXXX ( id # XXXX ) if she could supply me with the documentation XXXX XXXX   supplied equifax to prove this item belonged to me, fcra states all items on a person 's credit report is supposed to be verified by the cra by an original signed document from the company. XXXX stated she could not supply this information, only the outcome of the dispute. i again asked how did equifax verify the information and she stated she didn't know. i asked for a supervisor or an american representative. i was transferred to an american representative XXXX ( id # XXXX ) and asked for the same information i asked the previous representative. she stated she couldn't give me any information how equifax verified the account with XXXXXXXX XXXX or who i could contact to get a copy of the information ( original signed contract ) XXXX XXXX sent to verify my dispute. i than informed this representative it is against the law to put unverified information on my credit report and i would like it removed. she stated she couldn't help me and i was going to file a report. i also explained that because of the false information the cra could be sued.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
Account got charged an overdraft + fee + ( fee of overdraft fee ) even thought I did not enroll for overdraft. Is this a fair situation? 

XX/XX/19 Service Charge Sustained Od - {$30.00} - {$390.00} XX/XX/19 Miscellaneous Charge Dda Debit - {$83.00} - {$360.00} XX/XX/19 Fee Overdraft ( 3 At {$35.00} Each ) |eNotice - {$100.00} - {$270.00} XX/XX/19 Preauthorized Debit Citizensbank Na Payment - {$50.00} - {$170.00} XX/XX/19 Preauthorized Debit Citizensbank Na Payment - {$80.00} - {$120.00} XX/XX/19 Preauthorized Debit XXXX XXXX XXXX Phone Pymt XXXX {$100.00} - {$41.00} XX/XX/19 DBT Purchase XXXX Ny XXXX - {$200.00} {$66.00} XX/XX/19 ATM Deposit XXXX XXXX XXXX XXXX XXXX XXXX Mi XXXX {$250.00} {$260.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Ive mailed multiple requests including my social security card and Drivers License, one was mailed XXXX certified mail, the second was mailed XXXX certified mail, I also called Equifax 12 times, they are unable to verify me over the phone and each time they tell me resubmit my documents so that I am able to place a freeze on my report. 
My credit report has over 20 inquiries because someone is trying to obtain credit in my name. As a consumer this does not help me and I send my information all over the place which is dangerous

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-14 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: DISCOVER BANK
State: MI

Complaint narrative:
I have proof from social security admin saying I had a rep payee from XX/XX/XXXX to XX/XX/XXXX and there are a lot of neg accounts on my credit report that were never paid by these payees and unapproved hard inquiries on my credit reports and I feel these payees trying to get credit in my name and XXXX   XXXX and XXXX won't take proof from SSA saying I need to file a police report on paying not paying bills and the police department says its a civil matter

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc.
State: AZ

Complaint narrative:
This account is reported as being paid on time in XXXX of 2013 yet 90 days past due between XXXX - XXXX of 2013 ... which is incorrect. This vehicle was traded in and paid off in XXXX of 2013. Please correct this or remove it from my report. 

I have sent letters to GM Financial requesting an accounting of all payment up until the loan was paid off in XXXX of 2013 and have NEVER received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
XX/XX/2016 someone proclaiming to be an attorney representing a firm XXXX XXXX with assisting me with a modification of of mortgage loan with Pennymac mortgage company. Charged me a monthly fee of {$800.00} for 2yrs then sold my mortgage to XXXX XXXX XXXX. Which during all this time my mortgage became chronically delinquent. Forced me into foreclosure. Now i have no home and the wrote me letter stating that they could no longer assist me and that I need to work my mortgage servicer on my own. I requiring restitution of my funds from company i sighned a contract, or the person representing the company,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PRIMELENDING, A PLAINSCAPITAL COMPANY
State: MO

Complaint narrative:
I bought my home during the XXXX security breach and lost my identity theives took over my bank account and caused me to miss my mortgage payments i filed a loss mitigation package and while going through the mitigation process my lending was dual tracking my mortgage and continued with the foreclosure process

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-14 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Comenity Bank continues to violate the Credit Card Accountability Responsibility and Disclosure Act of 2009 ( Credit CARD Act ), LAW : Pub. L. No. 111-24, 123 Stat. 1734, codified in relevant part to 15 U.S.C. 1601-1667f, 1681 et seq. and 1693 et seq. 

Comenity falsely tells consumers they have set-up a schedule for payment, but does not tell the consumer the schedule requires the consumer to log-in to the Comenity website, and manually transfer the money. This can be noted by Comenity 's transfers not showing ACH ( bank statement enclosed, no risk as this account is closed ).

The inaccuracy of Comenity 's wording regarding payments leads to an absorbent amount of late fees from consumers throughout the US, as captured in online reviews. Note : XXXX XXXX XXXX. 

Comenity also falsely reports, 'we report what occurred '. My claim specifically addresses the lack of clarity in setting up 'Scheduled Payments ', which was discussed with a Comenity Customer Service Supervisor in XXXX / XX/XX/XXXX, whereby the Supervisor confirmed the late payment would not be reflected on my credit. If calls are recorded, Comenity will have record of this call, which did in fact occur. 

Comenity did not practice fair consumer credit management, falsely confirmed in the set-up process on their website that the payment would be scheduled which is in fact not the case as a scheduled payment would not require manual transfer of monies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-14 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: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I have proof from social security admin saying I had a rep payee from XX/XX/XXXX to XX/XX/XXXX and there are a lot of neg accounts on my credit report that were never paid by these payees and unapproved hard inquiries on my credit reports and I feel these payees trying to get credit in my name and XXXX XXXX and XXXX won't take proof from SSA saying I need to file a police report on paying not paying bills and the police department says its a civil 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 2019-07-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have proof from social security admin saying I had a rep payee from XX/XX/XXXX to XX/XX/XXXX and there are a lot of neg accounts on my credit report that were never paid by these payees and unapproved hard inquiries on my credit reports and I feel these payees trying to get credit in my name and TransUnion XXXX and XXXX  won't take proof from SSA saying I need to file a police report on paying not paying bills and the police department says its a civil 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 2019-07-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: United Built Homes LLC
State: AR

Complaint narrative:
We had a home built by United built home and the appraisal came back low so instead us getting financing though a mortgage company we got stuck with them our mortgage payment is only supposed to be {$1000.00} a month not {$1500.00} a month they didnt let us know before even started on the building the home about the other value of the other homes around this could easily be avoided

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ray Klein, Inc.
State: KS

Complaint narrative:
I have an amount of {$540.00} owed to a credit union bank, which was my job bank card for direct deposits, the total amount was around {$350.00} that was owed to the bank that I was unaware of. It was sent to collections, XXXX I agreed to make {$50.00} installments monthly to Professional credit services, with the promise of agreed to pay, and deleting the collections off my credit report, my credit has been updgraded 5 months after, and I have called seeing a balance of {$300.00} left on there and it still shows my amount is {$540.00} and not paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-14 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 — Problem with personal statement of dispute
Company: Simon's Agency, Inc.
State: NJ

Complaint narrative:
on my XXXX report i have an item in collection from simon 's agency inc for {$200.00}, the date opened is unclear ( approx 5 years ). i have asked this agency numerous times to supply me with a original contract signed by me with their agency for a few years now and still i have not received this document. i dispute this item with XXXX numerous times and they keep stating the item was verified by simon 's. i disputed this item again in XXXX and received the results today XXXX XXXX from XXXX and again they stated simon 's verified this information is correct by me contacting XXXX by phone. i asked the first equifax representative XXXX ( id # XXXX ) if she could supply me with the documentation simon 's supplied XXXX to prove this item belonged to me, fcra states all items on a person 's credit report is supposed to be verified by the cra by an original signed document from the company. XXXX stated she could not supply this information, only the outcome of the dispute. i again asked how did XXXX verify the information and she stated she didn't know. i asked for a supervisor or an american representative. i was transferred to an american representative XXXX ( id # XXXX ) and asked for the same information i asked the previous representative. she stated she couldn't give me any information how XXXX verified the account with simon 's or who i could contact to get a copy of the information ( original signed contract ) simon 's sent to verify my dispute. i than informed this representative it is against the law to put unverified information on my credit report and i would like it removed. she stated she couldn't help me and i was going to file a report. i also explained that because of the false information the cra could be sued.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Reported dispute with XXXX. Said MIDLAND FUNDING WAS CHARGED OFF CLOSED Yet it remains open on credit file as negative & is decreasing my scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: IA

Complaint narrative:
I received a notice from IC Systems about a bill for XXXX for what I found out was a modem that I had from their company. I called XXXX and spoke to Supervisor in Collections, explained to her that I didn't have the modem any longer, the tech came out to upgrade my services and told me to throw away the modem as they no longer use this model its outdated. This bill is NOT valid as the XXXX tech to me to get rid of the modem as its not compatible with their service anymore. Why would I keep a modem that I cant use? Makes zero sense to me.

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 2019-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
In XX/XX/2019 I sent for my three free credit reports. Only XXXX  sent the report which I received on XX/XX/2019. Tans union said they needed more information, which I sent in late XXXX and again in early XXXX. To date I have not received my credit report from either Trans union or 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