vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-01 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: MA

Complaint narrative:
To XXXX, Equifax, and XXXX. 

Ive submitted several disputes upon a series of companies whove purchased one particular charge off from a former creditor XXXX. Ive disputed the original creditor 's report as having an incorrect remaining balance of {$500.00} due to the fact that the XXXX themselves reported that my last payment received was dated on XX/XX/17 yet late fee charges were continuously assessed into the that remaining balance reported beyond the maximum 180 day delinquency charge off date by an additional 2 months. Some of the CRAs ( XXXX ) while others have not since updated that original XXXX credit report to reflect the error by removing the remaining balance completely as well as the payment history associated with it. A second party had purchased that errored bad debt from XXXX but managed to also make an additional mistake of not carrying over the original balance of {$500.00} and instead reported a remaining balance of {$500.00}!! Ive asked all the CRAs to investigate and upon that request was given the response the report falls under the fair credit reporting act. The debt buyer ( XXXX XXXX ) has no contact information in which I can coordinate any type of resolution. To make matters worse the debt buyers report was purchased by a third party XXXX XXXX XXXX of whom are purportedly reporting the same inaccurate information of {$500.00} for the remaining balance. {$500.00} does not equal {$500.00}, the fact that this third party is re-reporting the inaccurate information of the first debt buyer yet each of the CRAs capitulate that their investigation has been concluded with the same responding resulting review of still falls under the FCRA I want each CRA to show their results of how their investigation was conducted because last I heard reporting inaccurate information still goes against the FCRA. So, even though the incorrect balance of {$500.00} from the original creditor was disputed and then finally removed from my report its not reflected in the subsequent charge-off amounts and in additional the subsequent charge off amounts from debt buyer to debt buyer is also in accurate being {$500.00} does not equal {$500.00} I can only logically conclude that each of the CRA have in fact not thoroughly investigated my claim at all!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company
State: ID

Complaint narrative:
On XX/XX/2019 I sold my house and Freedom Mortgage loan number XXXX was paid off. On XX/XX/2019 Freedom Mortgage disbursed the balance of the escrow account to me. On XX/XX/2019 Freedom Mortgage received {$510.00} from XXXX XXXX company for the balance of the homeowners insurance that was disbursed to them prior to the sale of the home. 

The first week of XXXX I called Freedom Mortgage and asked them to release the funds to me. I called again the third week of XXXX as they had not released the funds though they had promised to cut a check on the XXXX. I called again on the XXXX and they assured me the check would be cut on the XXXX. It is now the XXXX of XXXX and they have still not released the 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 2019-07-01 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: OH

Complaint narrative:
Hello - I have requested the METHOD OF VERIFICATION AND VALIDATION from TransUnion since XX/XX/2019 via certified mail tracking # XXXX for the following account as these accounts are REMOVED/DELETED from XXXX  and XXXX  and ONLY EXIST ON TRANSUION WHY? 

XXXX XXXX  XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX DPT EDXXXX # XXXX ( FOUR OF THE SAME ACCOUNTS )

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 2019-07-01 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:
To whom may be concerned : Upon reviewing my credit report I noticed that the three XXXX  XXXX XXXX account # XXXX has many discrepancies from the date in which the account was opened Transunion is reporting the open date of XX/XX/XXXX and XXXX is reporting XXXX.The next issue if the closed date Transunion is reporting the account closed on XX/XX/XXXX however XXXX is reporting that this account is still ( OPEN ) .The account rating in inaccurate Transunion is reporting the account is closed and XXXX is reporting the account is paid.The creditor type is not correct Transunion is reporting this account as Educational and XXXX   Is reporting this account as Miscellaneous. The last payment date Transunion reported XX/XX/XXXX and XXXX reported XX/XX/XXXX. In addition, if there is a loan that is being reported the term date has to be listed and Transunion reported 120 term and XXXX reported no terms at all. 

In additon, XXXX  is reporting that i have a third XXXX XXXX XXXX account # XXXX in the amount of {$6000.00} it is stating that the open date is XX/XX/XXXX and the closed date is XX/XX/XXXX as well and neither of the other credit reporting agencies is reporting a third loan If this is the same account that is reported by the same creditor in XXXX & XXXX how are these dates different? Due to the apparent neglect in ensuring everything on my credit report is accurate and consistent and up to date as required by the FCRA please " DELETE '' these items IMMEDIATELY. Also another thing that was observed was the fact that if the account is stating that it is closed why is there a payment reported in XXXX? 

Please review the attached information of the three accounts in which I am referring to. 


Thank you for assisting me in this matter 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 2019-07-01 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:
To whom may be concerned : Upon reviewing my credit report I noticed that the three XXXX XXXX XXXX account # XXXX has many discrepancies from the date in which the account was opened XXXX is reporting the open date of XX/XX/XXXX and Equifax is reporting XXXX.The next issue if the closed date XXXX is reporting the account closed on XX/XX/XXXX however Equifax is reporting that this account is still ( OPEN ) .The account rating in inaccurate XXXX is reporting the account is closed and Equifax is reporting the account is paid.The creditor type is not correct XXXX is reporting this account as Educational and Equifax Is reporting this account as Miscellaneous. The last payment date XXXX reported XX/XX/XXXX and Equifax reported XX/XX/XXXX. In addition, if there is a loan that is being reported the term date has to be listed and XXXX reported 120 term and Equifax reported no terms at all. 

In additon, Equifax is reporting that i have a third XXXX XXXX XXXX account # XXXX in the amount of {$6000.00} it is stating that the open date is XX/XX/XXXX and the closed date is XX/XX/XXXX as well and neither of the other credit reporting agencies is reporting a third loan If this is the same account that is reported by the same creditor in XXXX & XXXX how are these dates different? Due to the apparent neglect in ensuring everything on my credit report is accurate and consistent and up to date as required by the FCRA please " DELETE '' these items IMMEDIATELY. Also another thing that was observed was the fact that if the account is stating that it is closed why is there a payment reported in XXXX? 

Please review the attached information of the three accounts in which I am referring to. 


Thank you for assisting me in this matter XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: GA

Complaint narrative:
I canceled my automatic payment on XX/XX/XXXX. i got email confirmation. 5 days later they still processed payment and refuse to assist me in returning my money. they told me i could eat 14 days to request that the money be returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
This issue came to my attention when my wife questioned the paper statement, received first time in the mail, about credit card with CITI Advantage that being late on the payment. We have several CITI accounts in the family, my wife, my daughter and my son they all have CITI credit cards and my wife is the one who is managing all of our monthly bills. I called the CITI and talked to their representative that I do not recognize this Credit Card that was issued under my name Account Ending XXXX and explained that I never applied for this card, neither anyone in my family did. 

Citi opened the claim under fraudulently opened card using my personal information. After their investigation I received a response from CITI denying my claim as this was payments shows that being paid from my XXXX XXXX Account. I have explained CITI in my initial phone call that we have several CITI accounts in our family and my XXXX XXXX Bank account is used to pay all of bills in the household. If the card payment was taken from my personal bank account and my wife did not notice or assuming that it is one of our family used CITI cards it doesn't mean that someone did not intentionally used my personal information to open one. The payments for this credit card was never set up in my XXXX XXXX Account to be paid from the bank, these payments were taken from my XXXX XXXX Account by the CITI, and like they explain in their letter dated XX/XX/2019 that " payments remitted from valid XXXX XXXX Account '' - the payments were never remitted from XXXX XXXX Account, the payments were set up to be taken out within the CITI account. 

Recently, I had similar issue with XXXX XXXX  card that was opened under my name without my permission or being aware of it. 

I am sure CITI can investigate all the charges related to this account and see that those charges will have nothing to do with 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 2019-07-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I, XXXX XXXX, am a victim of the Transunion credit inquiry issue which affected a large percentage of credit files. I have been adversely affected by Transunion. All of the credit inquiries that were removed from my credit report for some time by Transunion have been unlawfully reinserted back on my file and have been renewed which has adversely affected my credit file maintained by Transunion. Transunion agent refused to accept responsibility for breach of consumer credit reporting laws to reinsert said inquiries. 
Said inquiries. 
1 ). XXXX XXXX 2 ). XXXX 3 ). XXXX XXXX XXXX 4 ). XXXX XXXX XXXX 5  ). XXXX XXXX 6 ). 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 2019-07-01 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: CITIBANK, N.A.
State: TX

Complaint narrative:
My personal account was frozen for verification purposes and that caused a transaction to be denied with Sears master card through Citi bank. Because of that transaction, every time a payment is made to the credit card the funds are held for up to 10 days. The funds are taken from my bank account and showing posted with the credit card company yet the funds do not become available. This situation has been going on for over 2 months and there is no one that can remove that from their system or help me with releasing the funds. 

I have even made cash payments directly to them and the funds are still being withheld.

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 2019-07-01 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
To whom it may concern : My XXXX statement from Sears mastercard included multiple charges from a vendor, XXXX, XXXX, totaling {$1600.00}, which were fraudulent. I contacted the customer service immediately and reported the fraud. I subsequently received statements from the vendor, which were illegible, but did show that I was not the customer making these charges. I have since received another statement from the credit card company, showing that these charges were submitted again for processing. 

Please advise.

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 2019-07-01 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: LEXISNEXIS
State: NC

Complaint narrative:
I am a victim of identity theft. I called and filed a police report. I've notice there's majority of things on my report with different names and socials please help removing this its ruin my life to even apply for apartments, job and more

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2019, I submitted a complaint against XXXX XXXX, XXXX ( XXXX ) regarding not removing an Collection account on my Credit Bureau Report and there response was that they had processed an XXXX deletion request to all three Credit Bureaus. I have attached the 2 letters mailed to me from XXXX XXXX XXXX XXXX . 
Upon checking my Credit Report, the XXXX XXXX, XXXX collection is still showing on my Equifax Credit bureau report. PLEASE XXXX XXXX , XXXX . REMOVE THIS COLLECTION FROM MY EQUIFAX CREDIT BUREAU REPORT!!! 
It keeps reappearing OVER and OVER. PLEASE XXXX remove this Collection account from my EQUIFAX REPORT.!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01 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: GA

Complaint narrative:
On XX/XX/2019 I sent a letter requesting the method of verification, and materials supporting 6 disputed items on my credit report asserting my rights under FCRA 611 ( a ) ( 7 ). I had mad several online and in writing disputes where Experian just keeps sending back Verified., I asked for a response or deletion within 15 business days as is the law. The letters were received on XX/XX/2019 with tracking number XXXX. I received and email XX/XX/2019 Saying my disputes were complete where they just marked all items as updated with no documentation. I demand these items be removed as per my letter as it has cause me irreparable harm and cause a significantly high interest rate when purchasing a vehicle and denial of an apartment.

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 2019-07-01 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: AL

Complaint narrative:
I purchased furniture for my daughter and grandson from the XXXX, AL location on XX/XX/XXXX. The store messed up the order THREE times and I had to receive a different ( less expensive bed. ) I finally received the correct shipment/merchandise and was told for my trouble they were reimbursing for the delivery fees. However, I never received a credit for the delivery fees and the invoices were never adjusted to reflect the merchandise that I received. I called repeatedly to customer service, went to the store twice and finally filed a dispute with Mastercard on XX/XX/XXXX for {$360.00} and {$160.00} which were the amounts for delivery fees and partial order. The store disputed the {$360.00} with Mastercard AND also added new charges to my store card : {$220.00} on XX/XX/XXXX ; {$95.00} on XXXX ; {$83.00} on XXXX. I called XXXX to dispute these new charges and was told I had to contact the store. I called customer service first who told me it was between me and the store so I went to the store a third time because I could not believe that the store could put additional charges on my store credit card without my authorization. I could not believe that it was so easy for them to pull my account and add charges and force me to pay for their error. On XXXX when I visited the store, I finally got resolution. I met with " XXXX '' who printed my invoices and saw where I was overcharged and never issued a refund for the delivery charges. He issued a credit of {$200.00} and {$59.00} to my Mastercard and {$110.00} to my XXXX store credit card. Reference Credit Memos XXXX and XXXX on XX/XX/XXXX. The disputed amounts on my Mastercard were reversed and the merchant received the {$360.00} and {$160.00}. NOW I received a collection notice dated XXXX ( three months after this has been resolved ) which was sent to the delivery address ( not my address ) for {$160.00}. I have attempted to call the number on the notice which is the corporate telephone number XXXX. Five phone calls and all I get is a recording. So here I am AGAIN with XXXX harassing and adding charges and strong-arming the customer to pay for services NOT rendered. And who will be punished? ME and my excellent credit rating. This is absurd that a company as big as XXXX operates in the manner and this needs to be looked into because there are others - just read XXXX Reviews.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Trident Asset Management, L.L.C.
State: TX

Complaint narrative:
Company Trident Assets Management has reported to 2 credit reporting agencies that I owe {$470.00} for a debt that isn't mine. I sent a letter to them stating show proof i.e. original document bearing my signature. The company sent their proof which was an old bill that DID NOT show any original proof i.e. mine signature. I sent an additional letter asking them to show original proof bearing my signature, 30 days have elapsed and I still have not heard back from them via phone, email, or mail showing their proof bearing my signature.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01 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: NC

Complaint narrative:
I am a victim of identity theft. I called and filed a police report. I've notice there's majority of things on my report with different names and socials please help removing this its ruin my life to even apply for apartments, job and more

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 2019-07-01 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: NC

Complaint narrative:
I am a victim of identity theft. I called and filed a police report. I've notice there's majority of things on my report with different names and socials please help removing this its ruin my life to even apply for apartments, job and more

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