vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-09 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: WA

Complaint narrative:
Equifax and XXXX are reporting incorrectly that I am 120 days past due on the XXXX XXXX partial account number XXXX. ( Please see page 3 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Asset Management Outsourcing, Inc.
State: SC

Complaint narrative:
On XX/XX/2019 I sent letters to resolve an issue of debt with XXXX XXXX XXXX. On XX/XX/2019 they sent me a letter stating that the accounts were closed in there system and they requested it to be deleted with the credit bureaus. Currently XX/XX/2019 the accounts remain on all three report bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09 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: WA

Complaint narrative:
Transunion is reporting incorrectly that I am 120 days past due on the XXXX XXXXXXXX partial account number ****XXXX-XXXX. ( Please see page 3 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

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 2019-05-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ERC
State: NC

Complaint narrative:
XXXX has repeatedly called my work place after being told it was my work number. They called on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09 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: WA

Complaint narrative:
XXXX and Transunion are reporting incorrectly that I am 120 days past due on the XXXX XXXX – partial account number XXXX.  (Please see page 3 of the attached credit report.)  This account reports a $XXXX balance and $XXXX past due.  This incorrect reporting is harming my credit scores.  Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

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 2019-05-09 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 — Problem with personal statement of dispute
Company: TRUSTMARK CORPORATION
State: GA

Complaint narrative:
I went to this loan officer to cause the young lady in my state wasn't license to work in Tennessee so on XX/XX/19 .I sent off of my credit info told him it was a gov.loan. I had been preapproved already but had to start over cause the person couldn't work in Tennessee.he later pulled my credit then said he never seen a person without much credit before long story short I asked if he knew how to work this particular loan he said yes pigeon sat on my loans then nothing hold it once never went through the underwriters I found out cause I called them.he had been telling me he couldn't get through to anyone no one answered his email etc. But when I spoken with them she said there is always someone here to answer the phone he never called no emails no notes on acct

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NH

Complaint narrative:
I am writing to report an issue with Bank of America that remains unresolved. I have been a customer of Bank of America for decades. In XXXX of this year in checking my accounts online, which I do daily, a new set of accounts appeared in my online banking under the heading of XXXX XXXX. There were three loans, all with XXXX   balances, which now appeared under my account list. I spent hours on the telephone attempting to determine what these were, concerned that these were fraudulent loans, as yet unfunded perhaps but to absolutely no avail. For the record, I have never done any banking business, accounts or loans with XXXX XXXX. 
Since then, I have visited my local branch and they attempted to contact their own internal people to determine what these were, again without result. I went up the chain of command within the branch to the manager who attempted again to determine internally what these were, once again without definitive response. A service call was opened by the branch manager on XX/XX/XXXX which provided me with an email to follow up on the issue and I sent them an email indicating that if I had not received a definitive response as to what these loans were and provided any underlying documentation within thirty days that I would report the issue to the appropriate banking authorities. I attempted to open the service call email today, XXXX and found it had expired.

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 2019-05-09 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: Amsher Collection Services, Inc.
State: NE

Complaint narrative:
NOT ONLY HAVE MY HIPPA RIGHTS BEEN VIOLATED BY AMSHER COLLECTION AGENCY ADDRESS IS XXXX XXXX XXXX # XXXX, XXXX, AL XXXX AND PHONE IS XXXX BUT THEY ARE REPORTING ON AN ACCOUNT THAT WAS COVERED UNDER FINANCIAL ASSISTANCE BY THE INSTITUTE. I HAVE PROVIDED THEM WITH A COPY OF THE LETTER AND THE DEBT HAS STILL NOT BEEN REMOVED. ACCT NUMBER THEY ARE REPORTING ON IS XXXX FOR APPROX XXXX. AN EMAIL WAS SENT WITH THE DOCUMENTS TO XXXX AND I SPOKE WITH A REPRESENTATIVE ON THE PHONE.THEY HAVE THE ACCOUNT UNDER MY MAIDEN NAME I BELIEVE. XXXX XXXX NOW XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I filed a dispute with CFPB in April regarding a bankruptcy listed on my credit report for XXXX. When I called and wrote the bankruptcy court they had no info to give me regarding the bankruptcy. The bankruptcy court also sent a letter to me stating info isn’t given to credit bureaus. I challenged XXXX and told them per the debt collection laws they must make a full investigation of my Dispute. I requested XXXX disclose the names and phone numbers of who they spoke to at the bankruptcy court as the law require some them to get info directly from the furnished of that information. Instead I got a simple email response saying the investigation is complete. I never received it’s method of investigation. It never told me who it spoke to from where and when. This is in direct violation of the Fair Debt Collection Practices Act. I have informed them of this yet I still get no research, no names and no original furnished info. I’m demanding they send me the full names and numbers of the persons they have verified this with at the courthouse. Not no fictitious name like XXXX. XXXX is not an original furnished per the FDCPA

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 2019-05-09 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: WA

Complaint narrative:
Equifax and XXXX are reporting incorrectly that I am 30 days past due on the XXXX XXXX   partial account number XXXX. ( Please see pages 5 and 6 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
To whom it may concern, On XX/XX/XXXX I had a XXXX card opened. Had a good relationship with company always paid on time. On XX/XX/XXXX they closed my account for reasons that weren't really accurate. Dispute all that we agreed they would remove this from my closed files as I really did nothing wrong and did not want to see Account closed by credit grantor on my file since I did nothing wrong and was all a misunderstanding since no one notified me when they were unsure if I really was me. 

I had spoke to them on the phone quite a few times about the whole matter. The conclusion was they agreed to remove entire card from ever existing in there words to each of the credit scoring companies was because I had over a 5 year relationship with them and always paid on them but they can not reopen my account due. Which I agreed.

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 2019-05-09 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: ND

Complaint narrative:
On XX/XX/2019 I was notified that I had an account in collections. When I looked at it. It said through XXXX XXXX for XXXX XXXX. I do not have any policy through this company and I have spoken with XXXX  and XXXX XXXX who told me that the policy was not even under my name it is under my father XXXX XXXX. This is not the first time Equifax has allowed information for this man to be placed on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09 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: CCS Financial Services, Inc.
State: ND

Complaint narrative:
On XX/XX/2019 I was notified that I had an account in collections. When I looked at it. It said through CCS Collection for XXXX XXXX. I do not have any policy through this company and I have spoken with XXXX  and CCS collections who told me that the policy was not even under my name it is under my father XXXX XXXX. This is not the first time XXXX  has allowed information for this man to be placed on my report

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
A different name is report on my credit report. My date of birth is reporting incorrectly. 

XXXX XXXX XX/XX/XXXX Multiple addresses that is not my correct mailing address is reporting on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 non-monetary relief
Consumer complaint received 2019-05-09 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: WA

Complaint narrative:
XXXX and Transunion are reporting incorrectly that I am 30 days past due on the XXXX XXXX partial account number XXXX. ( Please see pages 5 and 6 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

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 2019-05-09 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: WA

Complaint narrative:
Transunion is reporting an incorrect coding of XXXX partial account number XXXX. This account is being coded as an XXXX when actually this needs to be coded as an XXXX. ( Please see page 9 of  the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2019-05-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth
State: AZ

Complaint narrative:
XXXX has a collection account on my XXXX  credit report that was paid back on XX/XX/2016, I went to dispute this item to remove it from my credit report it came back not paid so I went to dispute this with them asking for them to prove that they own the debt to send me purchase agreement with a bill of sale or signed agreement with the original creditor then I ask for them to send me prove that I owe the debt like signed document they failed to comply to my request. I send them two certified letters and refuse to take it off my credit report. and they changed the account on credit report too.

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 2019-05-09 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: WA

Complaint narrative:
Equifax and XXXX are reporting an incorrect coding of the XXXX XXXX partial account number XXXX. This account is being coded as an XXXX when actually this needs to be coded as an XXXX. ( Please see pages 6 and 7 of the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: TRANSWORLD SYSTEMS INC
State: CO

Complaint narrative:
my daughter took out loans to pay bills while attending XXXX achool. 3xXXXX. i co signed. i with the assistance of an attorney have requested an agreement for a payoff since XXXX XXXX. i am still waiting for a response. 
my daughter has been making payments since she completed her XXXX and got a full time job. 
do i have any recourse? i am presently writing up a request for release. are there time requirements for a response? i am frustrated with their lack of response. thank you for any assistance

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09 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: NY

Complaint narrative:
after numerous complaints and disputes equifax continues to report my name incorrectly as XXXX XXXX XXXX XXXX. my correct name is XXXX XXXX XXXX XXXX. also equifax is refusing to correctly update and increase my credit score. even though all credit card balances are XXXX and creditors are being paid on time.they are reporting a XXXX .this score is 117 points lower than XXXX and 112 points lower than XXXX. this has been an ongoing complaint with equifax for the past 3 years. they refuse to update in a timely manner. i was recently denied student loans for my XXXX childrenin college due to the equifax score.i was told i needed at least a XXXX, which the other bureaus are reporting. now they will miss the XX/XX/XXXX-XX/XX/XXXX semester. will i be able to sue them regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09 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: WA

Complaint narrative:
XXXX  and Transunion are reporting an incorrect coding of the XXXX XXXX partial account number ****XXXX. This account is being coded as an M5 when actually this needs to be coded as an M1. ( Please see pages 6 and 7 of the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2019-05-09 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: EQUIFAX, INC.
State: NC

Complaint narrative:
in late XXXX i took out a visa credit card from XXXX ( thru XXXX XXXX. ). sometime around XXXX and XXXX of XXXX the card was used by XXXX XXXX three times, two weeks apart. i have never been a member of XXXX ... we also moved our residence in late XXXX of XXXX to our new home. we did not receive mail from old address ... i did not see the problem until XXXX of this year when i checked my credit score..it went from XXXX to XXXX.. 
i checked and saw the 3 over due bills of XXXX dollars, three time from XXXX XXXX and called XXXX.. they agreed it was fraud and credit back the money to XXXX credit card ... 
however, XXXX has NOT removed the problem and equifax will not correct the problem. 
i spoke to XXXX on XX/XX/XXXX about this c # XXXX XXXX XXXX XXXX and he said all has been cleared, no delquincy .then spoke with XXXX at equifax on XXXX, c # XXXX XXXX XXXX and she said to talk with XXXX XXXX???? 
nothing has been corrected as yet. 
XXXX and equifax need to be held responsible. 
thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
We ( my wife and I ) have both completed the opt-out at XXXX XXXX XXXX/ over 90 days ago yet Capital One keeps sending us credit card offers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-09 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
To whom it may concern I had a XXXX XXXX account opened XX/XX/XXXX. Had over a 8 year relationship with them. Account was closed by XXXX due to them not being able to get a hold of me to confirm if it was me or not. 

Since I always paid on time and never had any problems with them they agreed to remove this closed account to all the credit reporters which was closed XX/XX/XXXX. 

After speaking with them several times this has still not been done. I always asked them to put in there notes. This way no one is confused as to what was said.

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