vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
XX/XX/XXXX should not be reporting to XX/XX/XXXX and Transunion that I am ( 30-60 ) days late on XX/XX/XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I had moved and I contacted XX/XX/XXXX to update my current address which XXXX did not follow through with. I immediately contacted XX/XX/XXXXagain when I discovered they had reported me late on this account. I was told by the representative at that time that if I paid the account in full that the lates would be removed. I have had a perfect payment history with XX/XX/XXXX. When the requested correction to my credit report still hadnt been made, I contacted XX/XX/XXXXagain and I was told by that representative that they could not remove the lates. This is not true. The previous representative conveyed to me that since the requested billing address change error had occurred on their end, that I would not be penalized and that the late would be removed. Additionally, the late payment occurred during a grace period they extended to me because I was moving. This false reporting of lates is seriously harming my credit score and this line item needs to be removed and/or updated to report accurate information. It is a violation of the Fair Credit Reporting Act to not report accurate information on my credit report. I have contacted the bureaus as well asXX/XX/XXXX to fix 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 2020-12-09 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: CO

Complaint narrative:
XXXX  should not be reporting to XXXX  ; Experian and XXXX that I am ( 30-60 ) days late on XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I had moved and I contacted XXXX to update my current address which XXXX did not follow through with. I immediately contacted XXXX again when I discovered they had reported me late on this account. I was told by the representative at that time that if I paid the account in full that the lates would be removed. I have had a perfect payment history with XXXX. When the requested correction to my credit report still hadnt been made, I contacted XXXX again and I was told by that representative that they could not remove the lates. This is not true. The previous representative conveyed to me that since the requested billing address change error had occurred on their end, that I would not be penalized and that the late would be removed. Additionally, the late payment occurred during a grace period they extended to me because I was moving. This false reporting of lates is seriously harming my credit score and this line item needs to be removed and/or updated to report accurate information. It is a violation of the Fair Credit Reporting Act to not report accurate information on my credit report. I have contacted the bureaus as well as XXXX to fix 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 2020-12-09 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: CO

Complaint narrative:
Equifax ; XXXX and XXXX  should not be reporting each inquiry listed below as a separate line item on the following accounts : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AND XXXX XXXX XXXX XXXX. These multiple inquiries are well within the 14 45 days that is typically allowed to check different lenders and find the best loans. All of these inquiries are of like kind. They are not separate, individual entities. These inquiries were created during a mortgage shopping window and should not have negatively impacted my credit score. Please remove these inquiries from my report. This reporting of multiple inquiries is seriously harming my credit score and these line items need to be removed. It is a violation of the Fair Credit Reporting Act to not report accurate information on my credit report. I have contacted the bureaus to fix this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
This is sadly the second complaint I've had to submit regarding my mortgage with Bank of America, which has now been paid in full. After a very long dispute process regarding the payoff, I learned that I had actually made an overpayment to my mortgage, and I was due to received a reimbursement in the amount of {$120.00}. To date, the refund has never been received. My mortgage was fully paid in XX/XX/2020, and it is now XX/XX/2020. 
I've attempted to contact the bank through their customer service phone number ; I've emailed ( and called ) a local branch manager, in addition to emailing an associate in the bank 's payoff department ; and I've also left two messages for the person with BofA who was handling my previous complaint filed with the CFPB. No one has returned my calls or emails. 
While I realize that the amount to be refunded my not be a huge sum, I would greatly appreciate some sort of response or an ETA for when I can expect to receive those funds.

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 2020-12-09 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: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
NCSECU reported 44 charge offs on my credit seriously damaging it. The account is delinquency is 4 years old and randomly showed up again on my credit as multiple late payments over the limit and charge offs after the account was written off again after 4 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have a private student loan with XXXX XXXX XXXX ( XXXX ), which I pay on time. However despite the fact that I pay on time, I was reported 30 days late in XX/XX/2019. I contacted the company three times and spoke to 9 different " supervisors. '' They repeatedly assured me that my account correctly reflects that I was not late and denied reporting to the credit bureau that I was late. They sent me two different letters confirming that in XX/XX/2019, my account was in good standing and advised me to dispute it with the credit bureaus.

I filed two disputes with all three credit bureau agencies and each time XXXX confirmed that the late payment was correct. I advised XXXX of this and they once again denied it. I was denied a loan because of my " late payment history '' so this error is negatively impacting me and causing me an extreme hardship. I am trying to get this resolved ASAP. Thank you.

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 2020-12-09 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: IL

Complaint narrative:
I have a private student loan with XXXX XXXX XXXX ( XXXX ),  which I pay on time. However despite the fact that I pay on time, I was reported 30 days late in XX/XX/2019. I contacted the company three times and spoke to 9 different " supervisors. '' They repeatedly assured me that my account correctly reflects that I was not late and denied reporting to the credit bureau that I was late. They sent me two different letters confirming that in XX/XX/2019, my account was in good standing and advised me to dispute it with the credit bureaus. 

I filed two disputes with all three credit bureau agencies and each time XXXX confirmed that the late payment was correct. I advised XXXX  of this and they once again denied it. I was denied a loan because of my " late payment history '' so this error is negatively impacting me and causing me an extreme hardship. I am trying to get this resolved ASAP. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have a private student loan with XXXX XXXX XXXX ( XXXX ), which I pay on time. However despite the fact that I pay on time, I was reported 30 days late in XX/XX/2019. I contacted the company three times and spoke to 9 different " supervisors. '' They repeatedly assured me that my account correctly reflects that I was not late and denied reporting to the credit bureau that I was late. They sent me two different letters confirming that in XX/XX/2019, my account was in good standing and advised me to dispute it with the credit bureaus. 

I filed two disputes with all three credit bureau agencies and each time XXXX confirmed that the late payment was correct. I advised XXXX  of this and they once again denied it. I was denied a loan because of my " late payment history '' so this error is negatively impacting me and causing me an extreme hardship. I am trying to get this resolved ASAP. Thank you.

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 2020-12-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Linebarger Goggan Blair & Sampson LLP
State: CO

Complaint narrative:
Dear Sir/Madam ; Out of the clear blue I received a DEMAND FOR PAYMENT letter from a XXXX  law firm called Linebarger Goggan Blair & Sampson, based in TX but with an office in XXXX CO. The letter screamed SCAM. They claim that I owe money for a toll on XXXX. I do not believe that I have ever even been on XXXX in my life, they want {$83.00} for what I assume is a $ XXXX dollar toll. They claim that they have made previous notices to me but not how or when and I have never in my life even heard of this company. 

The letter reeked of being a scam so I googled the company and discovered a very long list of complaints about this organization and their unscrupulous business practices. 

If I did incur a toll I would be happy to pay it, but not {$83.00} for a scammer. 

Can you please investigate this firm?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: MA

Complaint narrative:
I see multiple 90-120 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
XXXX  ; XXXX  and Transunion should not be reporting each inquiry listed below as a separate line item on the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AND XXXXXXXX XXXX XXXX XXXX. These multiple inquiries are well within the 14 45 days that is typically allowed to check different lenders and find the best loans. All of these inquiries are of like kind. They are not separate, individual entities. These inquiries were created during a mortgage shopping window and should not have negatively impacted my credit score. Please remove these inquiries from my report. This reporting of multiple inquiries is seriously harming my credit score and these line items need to be removed. It is a violation of the Fair Credit Reporting Act to not report accurate information on my credit report. I have contacted the bureaus to fix 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 2020-12-09 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: CO

Complaint narrative:
XXXX  ; Experian and XXXX  should not be reporting each inquiry listed below as a separate line item on the following accounts : XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX ; AND  XXXX XXXX XXXX XXXX.  These multiple inquiries are well within the 14 45 days that is typically allowed to check different lenders and find the best loans. All of these inquiries are of like kind. They are not separate, individual entities. These inquiries were created during a mortgage shopping window and should not have negatively impacted my credit score. Please remove these inquiries from my report. This reporting of multiple inquiries is seriously harming my credit score and these line items need to be removed. It is a violation of the Fair Credit Reporting Act to not report accurate information on my credit report. I have contacted the bureaus to fix 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 2020-12-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
Debt settlement offer letter was sent to the agency on XX/XX/2020. I have a copy of the letter that was typed and mailed and its been 30 days since letter was sent and I still have no received a reply, or any information in reference to getting this account paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I am writing to CITICARDS CBNA because I am having difficulties with applying for new credit cards. I paid the collection and do not owe anything, but the marks in my XXXX and XXXX reports prevents me from achieving the desired results. 
I am kindly requesting CITICARDS CBNA to remove this paid charge off account from my credit report as a gesture of goodwill.

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 2020-12-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NE

Complaint narrative:
My Bank of America credit card account number XXXX XXXX XXXX XXXX was closed and there was a {$400.00} credit balance. At first they were going to send me the credit via EFT, then I received a {$400.00} check in the mail and deposited it in good faith that was on a Saturday evening at an ATM machine on XX/XX/20 and then on XX/XX/20 I received a letter stating they put a stop payment on the check and were going to apply the {$400.00} back to the credit card ending in XXXX that is closed. This all makes no sense. 

I am expecting them to refund my {$400.00} credit balance and refund the {$19.00} Returned Deposited Item Fee charged by my bank.

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 monetary relief
Consumer complaint received 2020-12-09 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Netspend Corporation
State: KY

Complaint narrative:
I live in XXXX, Ky. On XX/XX/2020, I went to Va on business and used my card. Upon returning to Ky. I was trying to check my balance on my account and couldnt remember my password and had to call customer service to get it reset. They in return redirected to the fraud dept and they told me to submit 2 proofs of identification to establish my identity. In return via email a few hours later after midnight on XX/XX/2020 they closed my account saying my identity couldnt be verified? It was my state ID and Social card, it was definitely me?!! The email said they were going to be mailing out the funds to the card holder to the address within 10 business days. Well, I waited and I called and customer service assured me that, yes MY funds were coming to ME! On XXXX the XXXX, I called again, and that's when I was notified that my funds were actually sent to VEC ( Virginia Employment Commission ) .on XX/XX/2020? ALL, my funds? there were ABSOLUTELY NO FRAUDENLY TRANSACTIONS ON THAT ACCOUNT..NONE?!!!!! I can see them sending my LAST DEPOSIT to VEC, but not my ENTIRE ACCOUNT BALANCE?! My refund taxes, and stimulas check were deposited on that account? The account was in good standing?! Why send my whole account to VEC?! I retained and attorney XXXX XXXX and we have reached a man named XXXX XXXX who said that VEC signed for the check, but as of today, nothing has has been verified? And no one is answering my attorney and Mr. XXXX said the check would be re-issued after 120 days if not cashed. Its been 120 days, and nothing from Mr. XXXX, and my Attorney is trying to get my funds sent to me asap?!!! A certified letter was issued to VEC by my attorney trying to get answers regarding this issue, but nothing has been answered as of yet?! We need answers?! My attorneys number is XXXX XXXX XXXX XXXX, and his name is 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 2020-12-09 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Westlake Services, LLC
State: IL

Complaint narrative:
Previous CFPB Complaint XXXX Dear Western Funding. I am aware that you are an original creditor and while 'debt validation ' may have been the wrong wording to use in the letter the intent was to determine if your company followed UCC requirements in repossessing the vehicle. You may not be required to validate the debt but you are required to show proof you followed the law! So again ... I demand proof that the repossession of the subject vehicle was legal in accordance with the following : Auto Purchase Plan Agreement Credit Application ( to corroborate the identity of the alleged debtor ) Sale Invoice ( to corroborate claim amount of alleged debt ) Vehicle Invoice ( to corroborate consistency of claim amount of alleged debt ) Retail Certificate of Sale ( to corroborate parity between sale amount and claim amount ) Payment History providing evidence of payments including last payment date and Charge-off Date ( to corroborate actual debt owed net any payments ) Vehicle Title Dunning Letter Repossession Assignment ( initial ) Any subsequent Repossession Assignments Repossession reassigns Account Profile/Repossession Approval Repo Checksheet Notification Letter to Report Derogatory Status to Credit Bureaus Notice of Repossession/Right to Redeem with any additional fees ( e.g. Recovery fee ) to reflect Legal requirement to notify me personally, or by registered or certified mail at my last-known address, within 24 hours of such repossession. Notice of Plan to Sell Property at a Private Sale ( Notifying me of the time and place of a public sale and/or of the time after which a private sale has taken place ). Letter of Private Sale ( Disclosing Purchase price of the buyer ) Total Loss Protection Assurance ( Covers the loss of the entire car minus any payment obligations until submission of the claim ) Post-repossession assigns/assignments/assignment agreements Debtor Notification of Assignment pursuant to Bill of Sale for the sale of any chattel paper or payment intangibles relative to the debt UCC : 9-506. EFFECT OF ERRORS OR OMISSIONS. 9-611. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL. 9-613. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL

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