vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
i have asked Trans-union to send me me credit report to see my history and score but its saying error. i called them they gave me a claim number. i keep on sending them my personal as gov id, ssn, utility bill, and proof address. every time i send them my info to them they send me a letter to send them all these info again. they keep on sending me the same letter with different case number.

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 2018-01-03 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: NY

Complaint narrative:
I have account on my report with Equifax. I called and spoke with both XXXX and XXXX and they did their research and removed this account from my report. Equifax on the other hand has not removed it from my report. I would like this account from XXXX XXXX (? ) removed from my report from Equifax. SOL has expired in the home state of this said debt of Illinois. ( 5 years ) and I do not understand why it is such a problem for Equifax to follow suit with the other 2 bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diversified Consultants, Inc.
State: NC

Complaint narrative:
Last year with another collection company XXXX commissioned a different agency to collect a debt I do not owe and contacted CFPB to settle this {$110.00} bill, which XXXX never responded to. Instead sent this issue to a different collection agency to garner a different result. Now XXXX has commissioned Diversified Consultants, whom constantly calls my phone and has not addressed the previous issue which XXXX  breached the contract and did not provide the services I signed up for. I signed up for unlimited high speed services and was given what seemed like dial up services, ( slow and not unlimited ). So the contract was not what XXXX promised.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I have a credit card through Navy Federal Credit Union. In the past I got behind on my credit card payments. I contacted Navy Federal to make payment arrangements and since that time I continue to make payments on time. Recently Navy Federal turned my account over to a law office/ collection agency for none payment. As I stated and previous conversations I have been paying this account on time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: WESTERN UNION COMPANY, THE
State: NY

Complaint narrative:
GMTHIS IS IN REFERENCE TO CASE NUMBER OR CASE XXXX. I have been given nothing but problems with locations within my area to retrieve funds from Western Union due to lack of ID. I have been sent this money by my sister, with the understanding that I would be able to retrieve funds without my ID as long as Security ( Test ) question info was provided to Retailer ( Per Western Union standards ). But Yet your company ( Western Union ), who pay the retailers and we ( customer/consumer ) pay you for the service of money transferallow retailers to BASICALLY OVERRIDE your rules and Advise said customers/consumers they have their own rules and can deny payment for lack of ID.I went to several retailers who advise they will not honor request without ID. So what good is this answer TEST ( security ) question when they still refuse to honor WESTERN UNION customers? To be honest, this seems fraudulent, to drum up business for your company and I am certainly going to have this looked into AND FORWARD THIS INFO TO. And will Make sure to put the word out how unhelpful your company is when honest, hardworking consumer/ customers are led to believed that your service provides all that it says it does.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc.
State: MD

Complaint narrative:
In XX/XX/XXXX I was involved in a car accident that put me behind in my bills due to loss of income. I called the my Mortgage company to let them know what was happening and was met with immediate hesitation and difficulty trying to get the facts and the process initiated just to star the process of modification and/or forbearance. It is now XX/XX/XXXX and I have submitted Loss Mitigation applications no less than seven times. In XX/XX/XXXX I was granted a mitigation hearing where the presiding judge found in my favor based on the proof of documentation and compliance with Dovenmuehle Mortgage's process. I have a an upcoming hearing on XX/XX/XXXX with the same judge as of XX/XX/XXXX I  received and email that stated that the information yet again is not in the proper format or cannot be accepted. I have live at my residence since XX/XX/XXXX and have never missed a payment. I feel that this situation will cause me to lose my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX has not corrected the issue they acknowledged and pledged to correct in a previous complaint. Per the XXXX Representative from the attached document for complaint number XXXX : " We indicated that we submitted a request instructing the credit bureaus to reflect this account as Closed ; {$0.00} balance ; Was 30 days late. Once this update is reflected, your credit reporting should no longer show as currently 30 days past due ; however, this update can take 30-60 days from the date it was submitted. We reached out to our Credit Bureau Department and verified the update was submitted to all credit bureaus as of XX/XX/XXXX. We sincerely apologize for the amount of time it has taken and any frustration or inconvenience this process may have caused you. '' On XX/XX/XXXX ( over 2 weeks past the 60 days indicated in the XXXX XXXX response ) I pulled a tri-credit bureau from Transunion yet again at a personal cost of {$30.00}. The negative attribute XXXX had committed to fix by XX/XX/XXXX remained on my report. I tried unsuccessfully, several times, calling the person who in the XXXX response wrote " If you have additional questions, please call me directly at.. '', leaving voice mails with absolutely no response whatsoever from XXXX XXXX . I thought I would give it a bit more time, and yesterday called the Transunion customer service to see if there was a change before I spend another {$30.00} on a credit pull. Unsurprisingly, the customer service rep could find no record of a correction being sent in from XXXX XXXX. 

At this point, unless Transunion is mistaken, it appears XXXX XXXX is knowingly reporting false information on 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 2018-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX has not corrected the issue they acknowledged and pledged to correct in a previous complaint. Per the XXXX Representative from the attached document for complaint number XXXX : " We indicated that we submitted a request instructing the credit bureaus to reflect this account as Closed ; {$0.00} balance ; Was 30 days late. Once this update is reflected, your credit reporting should no longer show as currently 30 days past due ; however, this update can take 30-60 days from the date it was submitted. We reached out to our Credit Bureau Department and verified the update was submitted to all credit bureaus as of XX/XX/XXXX. We sincerely apologize for the amount of time it has taken and any frustration or inconvenience this process may have caused you. '' On XX/XX/XXXX ( over 2 weeks past the 60 days indicated in the XXXX XXXX response ) I pulled a tri-credit bureau from XXXX yet again at a personal cost of {$30.00}. The negative attribute XXXX had committed to fix by XX/XX/XXXX remained on my report. I tried unsuccessfully, several times, calling the person who in the XXXX response wrote " If you have additional questions, please call me directly at.. '', leaving voice mails with absolutely no response whatsoever from XXXX XXXX . I thought I would give it a bit more time, and yesterday called the XXXX customer service to see if there was a change before I spend another {$30.00} on a credit pull. Unsurprisingly, the customer service rep could find no record of a correction being sent in from XXXX XXXX. 

At this point, unless XXXX is mistaken, it appears XXXX XXXX is knowingly reporting false information on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-03 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: Experian Information Solutions Inc.

Complaint narrative:
I apply for my Experian credit report annually via XXXX. For the past 3 years I have been unable to access my Experian Credit Report through XXXX. Per Experian, it is an XXXX website problem. As there is no telephone number that allows me to speak to a person, I must e-mail XXXX, which I have done numerous times over the past 3 years. To date ( XX/XX/XXXX/2017 ) no response. I suppose that I could request a credit report by phone through Experian, however, that seem to defeat the purpose of XXXX. Would you be so kind as to assist with my proble. 

Thank you. 

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 2018-01-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
On or about XX/XX/XXXX I received a notice of default from Bank of America. I immediately began contacting their loss mitigation department. My call were all routed to a voice mail of XXXX XXXX. I left an upwards of 75 voice mails for XXXX XXXX over 45 days without any contact back from her. In early XX/XX/XXXX I received a loss mitigation application from BOA. I promptly completed it and faxed it to them on XX/XX/XXXX which is 54 days before my initial sale date. On or about XX/XX/XXXX I received a rule 120 summons from their counsel XXXX XXXX XXXX XXXX XXXX. The attorneys were XXXX XXXX and XXXX XXXX. I immediately let them know that I was seeking loss mitigation and they stated they have no way of contacting their client to let them know that. I forwarded them the application as well so that all was informed of my intentions. The summons from the law firm was received on XX/XX/XXXX and required an answer be filed on XX/XX/XXXX which in itself was impossible. I continued to communicate with the law firm as could n't get anyone from BOA to speak with me. Finally on XX/XX/XXXX I received a voice mail from a new single point of Contact XXXX XXXX. I promptly called her back but we have yet to speak as of the date of this complaint. On XXXXXX/XX/XXXX i received written confirmation that they received my application and would not proceed with a foreclosure sale and if any other documents were needed they would provide a date in which I would need to get those to them. 
Fast forward they are proceeding with a foreclosure sale and have provided no date in which I must get them the items. They are dual tracking my mortgage and colluding with XXXX XXXX XXXX to foreclose my mortgage. I beg the CFPB to intervene and assist in helping me. I had my application to them 54 days in advance of the sale date and statute only requires 37 days. Furthermore they confirmed in writing they received it and are failing to honor their written committment 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 2018-01-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: PA

Complaint narrative:
The creditor is Mercantile Adjustment Bureau , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX collecting for XXXX XXXX XXXX They are reporting negatively on my credit report and I have sent them several validation of debt request letters requesting them to furnish signed documentation as a validation of the debt and they have not done so.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Account was noted on my account as a chapter XXXX bankruptcy and when I requested XXXX XXXX to fix this issue with the credit bureaus they stated that they informed all three credit bureaus that the account is closed, Per Transunion and XXXX and XXXX the account is still noted with an error with a remark and comment saying account was included in bankruptcy when it was not. XXXX refuse to send me a letter stating that the account was reported in error and that it is closed so that I can forward the letter to the credit bureaus for them to report the information correctly on my credit report. this is for account to which I had a XXXX credit card that was closed by XXXX on XX/XX/2017

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 2018-01-03 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: PA

Complaint narrative:
Account was noted on my account as a chapter XXXX bankruptcy and when I requested XXXX XXXX to fix this issue with the credit bureaus they stated that they informed all three credit bureaus that the account is closed, Per XXXX and Equifax and XXXX the account is still noted with an error with a remark and comment saying account was included in bankruptcy when it was not. XXXX refuse to send me a letter stating that the account was reported in error and that it is closed so that I can forward the letter to the credit bureaus for them to report the information correctly on my credit report. this is for account to which I had a XXXX credit card that was closed by XXXX on XX/XX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 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: PA

Complaint narrative:
Account was noted on my account as a chapter XXXX bankruptcy and when I requested XXXX XXXX to fix this issue with the credit bureaus they stated that they informed all three credit bureaus that the account is closed, Per XXXX and XXXX and Experian the account is still noted with an error with a remark and comment saying account was included in bankruptcy when it was not. XXXX refuse to send me a letter stating that the account was reported in error and that it is closed so that I can forward the letter to the credit bureaus for them to report the information correctly on my credit report. this is for account to which I had a XXXX credit card that was closed by XXXX on XX/XX/2017

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 2018-01-03 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: CORELOGIC INC
State: PA

Complaint narrative:
hard credit inquires were submitted to my account with out my permission on the following days 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 2018-01-03 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Fairway Capital Recovery, LLC
State: OH

Complaint narrative:
Fairway Capitol Recovery XXXX calls my work number repeatedly for my wife. This is not ever her phone number. This is my work phone number used for business only and this interferes with my work. It 's an automated call and says it 's a call for ___ ( wife 's name ) and that if this is not ___ ( wife 's name ) then to hang up. I do n't even know what the debt is that they are trying to collect. It may be legitimate. But they need to stop calling me at work. I have repeatedly hung up the phone but they still continue to call.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 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.

Complaint narrative:
I apply for my XXXX credit report annually via XXXX. For the past 3 years I have been unable to access my XXXX Credit Report through XXXX. Per XXXX, it is an XXXX website problem. As there is no telephone number that allows me to speak to a person, I must e-mail XXXX, which I have done numerous times over the past 3 years. To date ( XX/XX/2017 ) no response. I suppose that I could request a credit report by phone through XXXX, however, that seem to defeat the purpose of XXXX. Would you be so kind as to assist with my proble. 

Thank you. 

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 2018-01-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
XXXX XXXX XXXX , XXXX. amount is {$11000.00}. I have disputed this with XXXX XXXX XXXX , XXXX. several times and also sent XXXX XXXX XXXX , XXXX. a debt validation on XXXX XXXX, 2017. XXXX XXXX XXXX , XXXX. has not responding and also have reported me to all three credit reporting agency 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 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: NY

Complaint narrative:
i have asked XXXX to send me me credit report to see my history and score but its saying error. i called them they gave me a claim number. i keep on sending them my personal as gov id, ssn, utility bill, and proof address. every time i send them my info to them they send me a letter to send them all these info again. they keep on sending me the same letter with different case number.

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 2018-01-03 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:
I am having a problem with Equifax removing a collections account from XXXX XXXX XXXX. It was removed from XXXX over 6 months ago but Equifax refuses to remove it after multiple dispute submissions. The creditor is XXXX XXXX who also said they would not hold me responsible for the account when it was made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FirstPoint Collection Resources
State: NC

Complaint narrative:
Some how when I sold my house the collection show up on my credits. I was not aware. Havent stay at the property in 3 year.

Company response to consumer: Closed with explanation