vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
This is the 3 time I have have to address this issue on I have had a few issue with account that I do not recognize on my credit report.ITS HAS BEEN PAST 30 DAY AND I WOULD LIKE THE ITEMS LISTED BELOW TO BE REMOVED ASAP. I am refinancing my home when I found the following accounts : XXXX XXXX XXXX # XXXX**** XXXX XXXX XXXX XXXX # XXXX**** XXXX  # XXXX**** I  have requested a re investigation to dispute the unknown accounts I need a copy of my credit report for my own personal review.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: KBR INC DBA RASH CURTIS & ASSOCIATES

Complaint narrative:
The Debt Collector ( Name XXXX  ) called and pretended to be a Lawyer and send garnishments to Banks where I have no Account with They also threatened to garnish my Temporary total XXXX i receive from a XXXXXXXX XXXX XXXX  as my only Source of Income! This behavior is totally against the Law and they cause me a lot of additional Health issues And I want to press Charges against the Individual that called me plus the Collection Agency XXXX XXXX XXXX Rash Curtis and Associates

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX CMRE Financial Services contacted me by letter about a medical bill. I wrote back that it was disputed because the amount was seriously in error, due to a long series of mistakes by the health insurance company. I wrote CMRE five times between XX/XX/XXXX and XXXX, giving each time the best information from the health insurance company, each time offering to negotiate a settlement based upon the best current information, but they have not answered any of those letters. 

My letter of XXXX gave an amount owed which seems to have corrected the large errors that had persisted, so that the account could finally be settled, and I informed CMRE that if they would send a letter stating that if the indicated amount was paid immediately, and they agree to delete any information they may have posted with the credit bureaus, I will immediately send payment.

I have gone to great lengths to get the correct amount resolved, including a grievance with the health insurance company and a complaint to the California State Department of Insurance, however CMRE has not responded.

In my letter to CMRE on XX/XX/XXXX, I said if they will send me the requested acknowledgment letter to close out the account the matter will be resolved, but they have not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
Recently I have noticed an account on my credit report with UAS/UVIRGINI. This account has been paid and closed. It has a balance of {$0.00} but the status is now showing 120 past due. I recently disputed this account information and the account is showing delinquent as of XX/XX/2019. This information is inaccurate and incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America ( Credit Card ) was notified of my hardship shortly after being laid off from work on XX/XX/XXXX. Month after month Bank of America continued to insist that only my full monthly payment ( {$450.00} ) was to be accepted. I emphasized my hardship being unemployed however I mentioned to them that I could make smaller payments to maintain some degree of repayment. Their reps would only ask if I had someone I could borrow money for payments. At one point I even mentioned I could make half the payment at {$200.00}, but they didn't take it over the phone. I stated to them that there are FFIEC Uniform Retail Credit Classification Policies and Guidelines which address financial hardships and provide the flexibility to restructure the debt to maintain repayment in light of a hardship. Please see below as it is a section of that very same policy that financial institutions must follow. There was no need to charge off my account and destroy my credit rating as I have maintained a FICO score of over 750 for 20+ years, and more so given my excellent repayment history with BOA since being a customer in XXXX. I showed a willingness to discuss a workout option to continue payments. I spoke to an agent three days prior to being charged off and they never stated a payment had to be received by a certain time to avoid charge off. They can listen to that recorded call as well. I called at the end of the month one evening to make a payment but they said it was too late as payment should have been made earlier in the day. 

FFIEC Uniform Retail Credit Classification Policies and Guidelines Re-Aging, Extensions, Deferrals, Renewals, and Rewrites Re-aging of open-end accounts, and extensions, deferrals, renewals, and rewrites of closed-end loans can be used to help borrowers overcome temporary financial difficulties, such as loss of job, medical emergency, or change in family circumstances like loss of a family member. A permissive policy on reagings, extensions, deferrals, renewals, or rewrites can cloud the true performance and delinquency status of the portfolio. However, prudent use is acceptable when it is based on a renewed willingness and ability to repay the loan, and when it is structured and controlled in accordance with sound internal policies.

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 2019-11-14 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: I.Q. DATA INTERNATIONAL, INC.
State: CA

Complaint narrative:
IQ data contacted us via phone and mail regarding a debt we are currently disputing with a rental agency that grievously violated the lease so we vacated after trying to resolve the matter. 
We notified IQ through Certified Mail in XXXX that we were disputing the debt and per the Fair Debt Collections Act to only contact us via mail, not phone. They continued to call and harass us after the Certified Mail and have shown no proof of investigating the debt.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14 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: EQUIFAX, INC.
State: TX

Complaint narrative:
The XXXX XXXX is reporting incorrectly to Equifax ; XXXX  and XXXX a ( 30 ) day late on XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I never received this statement in the mail and when I realized that I never got it, I immediately called and made the payment. I was assured by the representative that there would be no late reported and that the account was still in good standing. I have never missed a payment on this account and this late payment that is reporting needs to be removed. This false reporting of a late is seriously harming my credit score. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14 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: TX

Complaint narrative:
The XXXX XXXX is reporting incorrectly to XXXX  ; XXXX  and Transunion a ( 30 ) day late on THD/CBNA partial account number XXXX. ( Please see page attached from my credit report. ) I never received this statement in the mail and when I realized that I never got it, I immediately called and made the payment. I was assured by the representative that there would be no late reported and that the account was still in good standing. I have never missed a payment on this account and this late payment that is reporting needs to be removed. This false reporting of a late is seriously harming my credit score. I have contacted the ( 3 ) 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 2019-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The XXXX XXXX is reporting incorrectly to XXXX  ; Experian and XXXX  a ( 30 ) day late on XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) I never received this statement in the mail and when I realized that I never got it, I immediately called and made the payment. I was assured by the representative that there would be no late reported and that the account was still in good standing. I have never missed a payment on this account and this late payment that is reporting needs to be removed. This false reporting of a late is seriously harming my credit score. I have contacted the ( 3 ) 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 2019-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I purchased a 2012 XXXX sentra that was finance by JPMCB Auto Finance. I traded the car in in XXXX of XXXX up until the point when I traded the car in I made every payment on time. Apparently when I traded the car in the dealership in which I traded the car took an unusually long time to send in the payoff which resulted in JPMCB reporting that the payoff was 30-days late. This is not my late payment and therefore should not have been reported onto my credit. I had advised them the day I traded the car in that I had done so. They were well aware that that car had been traded in at the time of late payoff. They could have reached out to the dealership to inquire about the payoff or they could have easily moved a payment to the end of the loan to prevent a 30 late pay status, none of which they attempted to do. I have tried for several years to resolve this matter with the company and have gotten nowhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My credit card company, XXXX XXXX XXXX, updated my payment status from XX/XX/2017 for my credit card account. It should now reflect that the payment for that month was never late, however, it is showing that this account was late during that time frame on my Transunion and XXXX   reports. I have attached the letter received from XXXX XXXX stating that they have requested that this information be updated.

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 2019-11-14 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: FL

Complaint narrative:
I requested debt validation of 3 medical collection accounts reporting in my credit reports. The collection agency forwarded the documents which I attached. I forwarded those documents to the 3 credit reporting agencies and XXXX and XXXX  agreed that the documents were not in compliance with the FDCPA laws and deleted the collections from XXXX  and XXXX  credit reports but, TransUnion continues to report the incorrect information. Please review the attached debt validation documents and notice that the documentation is NOT signed and the documents do not give the collection agency 's licensing information or authorization to collect a debt in the state of Florida.

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 2019-11-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have informed experian this account does not belong to me and received information from the creditor stating the have no such debt in there records but yet experian has verified this account.

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 2019-11-14 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: IL

Complaint narrative:
Several accounts are the result of identity theft.

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 2019-11-14 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: IL

Complaint narrative:
Several accounts are the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
Received loan modification documents in the mail from Regions Banks, the modification terms is setting me up to lose my home. The interest rate isn't a fixed rate for the term of the mortgage and its a interest only mortgage loan. The economy is very unstable at this time and I don't want a mortgage loan or interest rate that is going to make me lose my home to foreclosure. There is also a pending property foreclosure sale set for my home XX/XX/2019.

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 2019-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My credit card company, XXXX XXXX XXXX, updated my payment status from XX/XX/2017 for my credit card account. It should now reflect that the payment for that month was never late, however, it is showing that this account was late during that time frame on my XXXX and Equifax reports. I have attached the letter received from XXXX XXXX stating that they have requested that this information be updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-14 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: CA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14 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:
I recently applied for an apartment and I got denied. I don't understand why I would be denied because my income, rental history. and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I got an identity theft report and police contact in my city. I don't understand what's going on but these items are not mine and the all need to be deleted from my credit report Chapter XXXX Bankruptcy. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX . XXXX, XXXX { XXXX. XXXX. XXXX. I see some inquries on there as well that I dent know about XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX, XXXX. XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX AND XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
On XX/XX/XXXX I sent {$200.00} from my bank account to this email XXXX. I sent it with XXXX with chase bank. It was supposed to be invested in a prebuilt store that i was going to have access to but he has not given me any information whatsoever. I will include his XXXX  in the screenshot. I want a full refund from him.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc.
State: IL

Complaint narrative:
We moved from one place to another we had XXXX XXXX XXXX XXXXXXXX XXXX we were 2 months shy of finishing out our contract when we moved the place we moved to wouldnt allow a sattelite dish i contacted XXXX XXXX XXXX  they said we can go there other package which is XXXX and as along as we stay customers it would not be a issue well somewhere along the line it went to a collection agency which it wasnt suppose to tried to explain this and to have the the charges removed from my credit report the supervisor got nasty with me we aint removing it i said fine then we will go court then.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14 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 — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Monday, XX/XX/2019, we applied for a personal loan, loan officer told us they could get my report but not my spouses report, due to a security freeze on his account. THIS SHOULD NOT BE AND WE DID NOT REQUEST IT!! Now we were told we have to wait 3-5 days or longer to get it taken off, that they can not do that at our request. In that amount of time the vehicle we are trying to purchase with the pending loan, could be sold and they we are XXXX! Also, if it is still there whenever they ( Experian ) get around to fixing it, we most likely have to re-apply and start all over again. Who gives the credit bureaus the right to ruin or control our lives? And who, when we know we did not put the freeze on it, did do it? This was a problem back in XXXX of this year, when we tried to refinance our home, it was an AWFUL time trying to get it, but supposedly they took it off, so now how did it get back on ... .we want it done XXXX, before we lose out altogether!!

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 2019-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: Home Loan Center, Inc.
State: MI

Complaint narrative:
my name is XXXX XXXX and i was scammed by a fake loan website. This person called me and acted like he was from lending tree and he had all my information. he even called my bank and acted like me and filed many claims to my account he also had my bank reverse multiple car payments back onto my bank account. he told me the money that was in my bank account was sent from the loan company and in order to be accepted for the loan i have to send them back gift cards for XXXX  dollars so they can prove that i was who i said i was. They said the money they sent to my account was from them and they needed me to send it back to them. My bank is not doing anything to help. I need my money back i need to pay my car payments back and i am really stressed about this. I have emails and text messages from the person who scammed me. I can send you whatever you need. Please help me get my money back and find out who did this to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14 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: IL

Complaint narrative:
Several fraudulent accounts and the reporting of a bankruptcy that's been dismissed.

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