vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-29 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: NC

Complaint narrative:
Experian and XXXX  should not be reporting that I am ( 120-180 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these 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 2020-09-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
See Complaint XXXX. Letter dated XX/XX/XXXX from XXXX XXXX stated " Bank will close the Account and submit the Discharge to the county clerk upon receipt of {$430.00}. '' On XX/XX/20 they cashed our check for that amount. I continue to receive collection calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: WI

Complaint narrative:
Once again charter communications is harassing over a fraudulent bill of {$120.00}, I filed a compliant three years ago against XXXX  over the same bill and the harassment spotted up until XXXX of 2020. XXXX  is now using the name XXXX XXXX XXXX XXXX  to continue to harass me over the same fraudulent bill of {$120.00}, all bills had to be paid in advance or no service would be provided. I had paid for cable service for 37 years up until XXXX XXXX XXXX  sold out to XXXX how now is using the undercover name of XXXX XXXX XXXX XXXX  to defraud me of {$120.00}. XXXX has hired a collection agency Amsher collection service to post a fraudulent claim on my credit reports causing me harm to my financial status.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 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: MS

Complaint narrative:
i have sent XXXX, XXXX  and Transunion SEVERAL LETTER trying to resolve this matter. In XXXX, i sent letters asking each individual credit reporting agency to verify the bankruptcy they are reporting on my credit report. Transunion has deleted the unverifable bankruptcy from my credit report, However there are several accounts that i have disputed and they are CONTINUING to report INACCURATELY information on my credit report. I have sent several letters back to back and they are not coroporating. 

XXXX  and XXXX  are also reporting inaccurate information on my credit report, and are refusing to ccomply with my disputes. Furthermore BOTH XXXX   and XXXX  are claiming that they verified the bankruptcy from XXXX XXXX, attached below you will find where XXXX  XXXX has DELETED the information due to it being unverifable. However XXXX  and XXXX  who claimed they got their information from XXXX XXXX has refused to remove the inacurrate information and its been 6 whole months since i sent them PROOF to have the information deleted. 


I have found an FCRA Attorney from XXXX and XXXX XXXX and they have informed me that i can sue TRANSUNION, XXXX  and XXXX  for inaccurate reporting and defamation of character.

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 2020-09-29 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: NC

Complaint narrative:
XXXX  and Transunion should not be reporting that I am ( 120-180 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the  bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these 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 2020-09-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Atlanticus Services Corporation
State: MA

Complaint narrative:
Hi Fortiva Executive Office! Good Afternoon Team! How are you doing this pandemic and Covid19? Hopefully, youre safe and sound! Listen, Im extremely disappointed and shocked because I just looked at my credit again and noticed that the 2 late payments remarked are still reporting on my credit. Remember I called your  company directly late XXXX to ratify the situation and your representatives mentioned that they will submit a request to remove the late payments that are reporting on XXXX and XXXX of XX/XX/2020. I also remembered when COVID started my bank was closed and I couldnt see the transaction history and I was certain that your company had automatic payment authorization.

Again, this never had happened to me, and therefore, I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly
statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report. Also, I've personally re-assure that the payment comes out automatic and i'm meticulously paying down my payment as fast as i can, despite the COVID19 that's hurting my health now and i've lost my job at the car dealership.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Salie Mae refused to received payment for the amount of {$35.00} a month back in 2009 during the financial crisis even when I filled out the forms on line but their system did not allow me to print out and not even save by pdf the application since I showed proof of my new employment making 30 % less of my wages. Sallie Mae decided to sell my loan to Navient and I have the emails I sent to Navient but they stop to answer my questions by email and sold my loan to XXXX and this new company two years ago took my re-found check from IRS ( State and Federal ). I was making {$100.00} Payments to XXXX but about 2 months ago I was told by XXXX that my loan was back to Navient just when I was laid off due to corona virus and I am getting unemployment. Navient does not provide me with a contact person with an email address other than their web site and I got yesterday a letter from XXXX stating Navient has not received my payment. I can't pay my loan right now and I can't even pay my mortgage. I need help with Navien with a contact person with an email address because by phone the harassment NEVER stops, so I prefer email and I need help on payments until I get a job.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
In follow-up to COMPLAINT ID No. XXXX, Bank of America Issued a ghost representative which does responds to any calls or emails with a response deadline of XX/XX/2020. I believe Bank of America is not taking this case seriously and just issued an automated email response to " act '' like their doing something in regards to this 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 2020-09-29 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:
Equifax ; XXXX  and XXXX  should not be reporting that I am ( 120 ) days late on the XXXX/XXXX  partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; and XXXX. ( Please see pages attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an  account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Global Trust Management LLC
State: IA

Complaint narrative:
XX/XX/2020 Received a phone message from " Mr. XXXX '' - asking for my location information. Using telephone number : XXXX he asked me to call him back at XXXX I called back a few minutes after his call. 

I asked for the name of the company. He refused to provide it if I did not provide my name. 

I asked again. He provided GTM after being very aggressive.

I asked him to tell me the full name of the company - Hung up on me when I asked him to tell me what GTM stands form.

I called back, frustrated, because there was no reason for him to disconnecte the call.

Got him back on the phone - requested a supervisor - he refused to transfer me to a supervisor. He disconnected the call again.

I googled to locate the company information Located : Global Trust Management Mailing Address : XXXX XXXX XXXX XXXX, FL XXXX Toll-Free : XXXX or XXXX I spoke to XXXX XXXX who also refused to assist with his abusive employee, but was able to verify that I had called the correct location. He indicated he knew I had spoken to someone prior to the person who transferred me to him, but refused to discuss the situation if I would not verify my social security number. I declined to do so, advised I would be contacting the CFPB and ended our conversation politely.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: Cornerstone Home Lending Inc.
State: TX

Complaint narrative:
CRESTMARK MORTGAGE XXXX XXXX XXXX XXXX XXXX XXXX, TEXAS XXXX ON XX/XX/2020 CRESTMARK MORTGAGE submitted an inquiry for my CREDIT REPORT WITHOUT MY CONSENT. On XX/XX/2020 I advised CRESTMARK MORTGAGE that I have selected a MORTGAGE COMPANY and did not need their services. 

CRESTMARK MORTGAE has a referral relationship with XXXX XXXX, which is a HOME BUILDER. In XXXX on 2020 XXXX XXXX   required that I get a PRE-APPROVAL with CRESTMARK MORTGAGE in order to purchase a home with XXXX XXXX. The sales person advised that it is a requirement from XXXX XXXX  DIVISION PRESIDENT and all applicants must get preapproved with CRESTMARK MORTGAGE. 

I strongly believe I was wronged by CRESTMARK MORTGAGE and was taken advantage of, which is effecting my credit score and my credit report due to the NON CONSENT to pull my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Netspend Corporation
State: IL

Complaint narrative:
In XXXX, 2020 I requested for a replacement card. At the time I failed to obtain the names of the representatives. Netspend informed me that I would receive my card within 7 to 10 business days. The time frame came and went. On XX/XX/2020, I spoke with netspend XXXX regarding not receiving my card and it had been 2 months and that I was unable to access my account as well. XXXX promised that I would receive my card again within 7 to 10 business days and that I would receive my card on XX/XX/2020 to my new address that I provided to XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, IL XXXX ) and that waived the maintenance fee of XXXX due to Netspends error. On XX/XX/2020 I spoke to XXXX who displayed unprofessionalism and asked XXXX to check the status of my card. XXXX stated my card was not mailed out until the XXXX of XXXX and not on XX/XX/XXXX. I asked XXXX to assist me logging in and he informed me that he would send out a temporary password, however, Netspend system continued to ask for a card number and cvv code.

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 2020-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I have previously wrote a letter on XX/XX/XXXX via certified mail and and also submitted a complaint to CFPB on XX/XX/XXXX about an invalid debt account that is not mine reporting to my credit report coming from " National Credit Adjusters '' They responded to my letter saying that they would start the dispute process and place the account in dispute status. Later when I made a complaint to the CFPB the replied saying that the account is in dispute status and they were waiting for account documentation from the original creditor. It is not XX/XX/XXXX ( Basically XXXX ) and the account is still on my credit report even though I made the original request way back on XX/XX/XXXX. This is extremely unfair and hindering.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Please allow me to preface that I am legally a XXXX person ( per the State of Texas, and per the United States Federal Government, I am classified as legally XXXX ), so I'm often not feeling well. That, in turn, prevents me from reviewing and managing my finances as others would.

I called Chase Bank when I noticed an abundance of unauthorized charges on my debit card. We reviewed my bank account, and noticed charges that went

back for SEVERAL MONTHS! The associates were all so very nice, and said they wer
e able to remove all the unauthorized charges from my accounts - those  refunds were applied to my account XXXX 2020. 

... 

But then on XXXX, I found that Chase Bank had REVERSED DOZENS AND DOZENS OF unauthorized charges back to my account! 

That includes : 1. ) 1 charge from XXXX XXXX, in Pennsylvania ( I reside in Texas!!! ) Totalling {$3500.00} ; I did NOT authorize that charge! 
2. ) 46 ... FORTY-SIX!!! ... Various charges from XXXX ; those were NOT authorized purchases! OVER {$2000.00} of my money has been stolen from me using Apple.com. 

All of which were charged BACK to my account! NEARLY {$6000.00} of FRAUDULENT charges were CHARGED BACK to my account! 

I called Chase Bank, and they indicated that certain unauthorized charges were not applicable to refund. They could not provide a clear understanding as to why those charges were not applicable. So they charged ALL of them back to my account! 

Please assist in ensuring that my account is properly refunded for ALL the unauthorized charges that have reappeared on my account! 

Thank you in advance for your wonderful help!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have called experian and XXXX  XXXX multiple times. I have put in a fraud alert. I have reported it to identity theft.gov. I cant even log into experian because my mother made an account and opened fraudulent accounts. I have done everything i can starting XX/XX/20 nothing has happened.

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 2020-09-29 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: NC

Complaint narrative:
XXXX  ; XXXX  and Transunion should not be reporting that I am ( 120 ) days late on the XXXX/XXXX  partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; and XXXX. ( Please see pages attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these 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 2020-09-29 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: NC

Complaint narrative:
XXXX  ; Experian and XXXX  should not be reporting that I am ( 120 ) days late on the XXXX/XXXX partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; and XXXX. ( Please see pages attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these 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