vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-12 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: FL

Complaint narrative:
XXXX XXXX company has reported false information on my credit report that doesnt belong to me I never started here or know anything about this place by law its is against the consumer Report law to report false information on people 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 2018-10-12 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: CA

Complaint narrative:
I have disputed the late payment status reported on the account XXXX XXXX with the credit bureau for several attempts, to no avail.. They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score drastically. CFPB please step up and fix this ASAP please Im looking to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: AAA Auto Title Loans, LLC
State: AZ

Complaint narrative:
I wasnt sure which option to click but this is what the issue is. If i remember correctly i made one payment to  the company. I knew i was going to be behind because i lost my best paying job, we almost just got evicted and im behind on a car payment. I emailed them to let them know that i was aware i was behind anx i intended to pay them, and that i was hard to reach via phone because i work a night schedule. They sent a text message to my phone on XX/XX/18 that read exactly this : Your XXXX Acct. is in XXXX! You qualify for a LIMITED TIME offer that will WAIVE 40 % OFF YOUR BALANCE! Call XXXX for details. XXXX Debit Collector Then on XX/XX/18 they text messaged my phone this : XXXX, XXXX XXXX Pre Legal @ XXXX. We need to hear from you or we will pursue all remedies against you as stated in our contract. XXXX Debt Collector My mother saw this text because she was using my phone. 
In no way did they verify who they were speaking to before texting this information. They did not do the standard debt collection disclosure anywhere in the message, and i dont understand how they can threaten legal action 1 day after sending the first message. Im upset at this situation for so many reasons and feel my privacy in regards to this debt has been violated. I borrowed less than {$200.00} and contacted them to explain that i knew i was late but intended to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX has report false, wrong information on my credit report Fraudulent information That I didnt apply for or ever use their services my identity Was used this is not my account by law it need to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12 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: CA

Complaint narrative:
I have disputed the late payment status reported on the account XXXX XXXX with the credit bureau for several attempts, to no avail.. They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score drastically. CFPB please step up and fix this ASAP please Im looking to purchase a home.

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 2018-10-12 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: CA

Complaint narrative:
I have disputed the late payment status reported on the account XXXX XXXX with the credit bureau for several attempts, to no avail.. They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score drastically. CFPB please step up and fix this ASAP please Im looking to purchase a home.

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 2018-10-12 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: BMW Financial Services NA, LLC
State: MD

Complaint narrative:
On XX/XX/2018 my account was reported 30 days late when in fact when they are suppose to report late 30 days past due date when it was only 14 days. 

BMWFS services. 

I disputed this account multiple times and they refused to fix my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX has file false information on my credit report that maybe do to identity theft this account is not mines I have never been here or used there services every by law this wrong to report inaccurate information on my credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-12 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
I opened a dispute with XXXX 3 different times, the most recent being on XX/XX/XXXX. I specifically told them I had documentation showing that I should have never been reported to Fair Collection and Outsourcing. However, even before XXXX or the collection agency had a chance to look at it, XXXX   would close the dispute stating that nothing had changed. 

The written agreement ( which I will attach ) between myself and XXXX XXXX XXXX stated that I could break my lease on XX/XX/XXXX as long as I was out by the XX/XX/XXXX and I was not getting my security deposit back. 

I was not getting evicted and I was not supposed to get charged any other expenses. 

This needs to get resolved as it is affecting everything in my life.

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 2018-10-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX, I first went to my bank and withdrew {$400.00} in cash and went right over to Citibank and deposited it there to my other account. I received two receipts for the deposit, but the money never showed up on my Internet account, nor did it show up in the records of Citibank in the XXXX. I spoke to XXXX at about midnight on the XX/XX/XXXX and she said she did not see a {$400.00} deposit. I spoke to XXXX at approximately XXXX on XX/XX/XXXX in the executive response unit in XXXX XXXX , TX , and he said the money was in my account, but I looked at my internet just before I called him, it was not in my account online. I then called the assistant branch manager XXXX, who was at a different branch in XXXX XXXX, as the branch manager was at a meeting and not in the branch. This afternoon, I went to the branch manager and told him the problem and he basically said I was a liar!!! He did not try to see what went wrong and did not take any responsibility and it didnt even ask my name. 

When cash is deposted it is supposed go into my account and show in my account immediately, but it didnt until approximately XXXX on XX/XX/XXXX. I have never had a bank do this to me. 

I pulled all my money out of my account at Citibank and left the account open, but also canceled my direct deposit, as I do not trust this bank! 

There is something very wrong with XXXX in XXXX, CA

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 2018-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I know I don't deserve this erroneous information that Equifax is placing on my credit report. I have always been a responsible payor. I am very disappointed because they never fix this account, I'll repeat the account XXXX XXXX is not paid late..CFPB please do something to fix it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-12 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: FL

Complaint narrative:
I opened a dispute with Experian 3 different times, the most recent being on XX/XX/XXXX. I specifically told them I had documentation showing that I should have never been reported to XXXX XXXX XXXX XXXX. However, even before Experian or the collection agency had a chance to look at it, Experian would close the dispute stating that nothing had changed. 

The written agreement ( which I will attach ) between myself and XXXX XXXX XXXX stated that I could break my lease on XX/XX/XXXX as long as I was out by the XXXX and I was not getting my security deposit back. 

I was not getting evicted and I was not supposed to get charged any other expenses. 

This needs to get resolved as it is affecting everything in my life.

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 2018-10-12 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Medical-Commercial Audit Inc
State: MO

Complaint narrative:
XX/XX/17 ( {$860.00} ) Acct # XXXX, Acct # XXXX ( {$77.00} ), Acct # XXXX ( {$56.00} ) HIPPA Violation ; Medical Commercial Audit/ MCA did not provide me with the provider of services to release any of my medical information ( tests, diagnosis ext ) regarding alleged debt as well as cease any credit bureau reporting. This entry 's insertion on my credit reports is a blantant JIPPA violation and a violation of my consumer rights according to the Fair Debt Collection Practices ACT ( FDCPA ). these entries must be deleted from my credit reports immediately with XXXX, XXXX and XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TIDEWATER FINANCE COMPANY, INC.
State: IL

Complaint narrative:
I called Tidewater finance on XX/XX/XXXX and requested a full copy of payment history and an original document with signatures and verification of how much according to them I owe only account # XXXX. My loan agreement states that the loan is for 66 months ( 56 payments ) at XXXX per month Ive had this account with tidewater since XX/XX/XXXX. My account with tidewater should end in XX/XX/XXXX. Tidewater is stateing that I still owe them over 7200 in payments. I believe that I owe tidewater far less which should be XXXX. XXXX dollars exceeds the the loan agreement. When I spoke with a representative today which they have my account in collections because the state that my XXXX payment is late and my XXXX payment is also late I have paid XXXX payment thru XXXX XXXX and my XXXX payment is due on the XXXX of each month and my XXXX payment had already been counted as late according to the rep. My XXXX payment was made on XX/XX/XXXX. According to all three credit bureaus I still owe XXXX and my account hasnt been updated since XXXX and XXXX on some bureaus. I would like for my account to be updated correctly and all money that has been paid applied to my account and since they are reporting my account incorrect I would like all payments brought to good standing for the untruth that has been being applied and Negative standing which Ive have been correcting for quite some time now.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I represent the seller and am her co-listing agent along with XXXX XXXX at XXXX XXXX. We were able to submit a bonafide offer to Wells Fargo and complete the required documentation for a short sale review within 30 days of submitting the offer. 
Then the bank proceeded to state that there were internal issues with the Banks ability to processed the short sale in a timely manner. The bank continued to request information and sometimes even odd requests, like " What is the property address? '' requesting me to send them county records of the address? This continued for well over 6 months, when finally we got an approval letter. Unfortunately the buyer decided to not purchase the home since values were decreasing across the the county and found another property to purchase. We were able to get a new buyer, offer submitted to the bank within 1 business day of the file being removed and could have done it sooner but the closer asked me to wait to submit the new offer so the file could be properly closed out and ready for a new short sale offer to review. 
The real issue is that Wells Fargo told me that the Statue of  Limitations will run out by the XX/XX/XXXXand we wont be able to do a short sale after that date. I have been submitting all the proper documentation and have asked for a variance to extend the " kill date '' since Wells Fargo ate up so many months of having a buyer on board to close. We can close in the next 2 weeks, but cant do anything without a new approval letter and an extension granted to allow the time to get the new approval letter.

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 2018-10-12 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: FL

Complaint narrative:
XXXX XXXX XXXX  has reported late payment on my credit report fromXX/XX/2018-XX/XX/2018 140 days late payment this car was totaled lost and account was close this year XX/XX/2018 with a {$0.00} Balance XXXX XXXX XXXX   is reporting false information on my credit report and now as added back the dedit under the FCRA LAW DEDIT COLLECTOR CANT REPORT FALSE IMFORMATION ON MY CREDIT I will sus this company if this is not removed off my credit they have added this to my report with out my knowledge and has affected my credit score This company Is not right and this is against the law

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have many incorrect inquiries on my credit report that I have never affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are tied to my name but I have nothing to do with this.

XXXX XXXX  XXXX   CARD XX/XX/XXXX {$5300.00} XXXX XX/XX/2006 {$620.00} XXXX XXXX XXXXXX/XX/XXXX {$24000.00} XXXX XXXX XXXX XXXX   XX/XX/XXXX{$18000.00} XXXX XXXX XXXX XXXXXX/XX/XXXX {$20000.00}

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 2018-10-12 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: FL

Complaint narrative:
XXXX XXXX XXXX has reported 4 late payment on my account in XX/XX/2016 and I never had a late payment with company this information is being reported wrong on my credit report file

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12 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: NY

Complaint narrative:
Between XX/XX/2018 and XX/XX/2018 your THE XXXX XXXX XXXX XXXX credit cardappears to have been close in my credit score i have never opened this account neither have i closed it.

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 2018-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Unauthorized inquiry on my report. Was checking my reports and realized there was an unauthorized inquiry on there. 
~XXXX ( XX/XX/2018 )

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 2018-10-12 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: NV

Complaint narrative:
I have disputed the student loan accounts XXXX XXXX XXXX XXXX -  XXXX, XXXX XXXX with Transunion for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal

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 2018-10-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
The lending bank charged me higher interest than agreed upon.

My loan was for XXXX at 4.74 % interest rate. loan was originated in XX/XX/XXXX and paid off the loan by XX/XX/XXXX.

They charged my {$1300.00} as interest. But according to the loan calculators it should be less than {$900.00}.

If we look at the attached loan amortization schedule that they sent me, the interest charged keeps increasing in certain months although I have been paying down the principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This information XXXX XXXX XXXX XXXX  is reporting on my credit file is not my bill or account this has been on my credit report for over 5 years and Id affecting my credit inaccurate information this company or hospital is 4hours away from my home I dont know how they got my information by law this not right to report on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Conn's, Inc.
State: GA

Complaint narrative:
I spoke with XXXX XXXX XXXX XXXX on XX/XX/XXXX about derogatory marks that were made on my credit with all three Credit Bureaus. The employee I spoke with Employee Number is XXXX. I explained that I had NOT receive any notice about my account being due for quite some time. I moved to XXXX GA six months ago and since that time I have not received any calls or communication from them.

I originally opened this account on XX/XX/XXXX. The original balance was {$3300.00}. The current amount that is due is {$540.00}. I asked Employee XXXX  why I had not been notified either through mail or e-mail about my current amount due. I was informed that XXXX XXXX XXXX XXXX  does NOT mail any statements to consumers. It communicates via email. I asked what e-mail address was on file, and Employee XXXX confirmed that the email address on file was INCORRECT. It appears there was a keying error by Conn 's.

The account has been reported as more than 130 days delinquent. As a result I was turned down for credit due to these deragoratory remarks.

I want the derogatory remarks REMOVED IMMEDIATELY. I was told that the only department that handles these requests is known as the " Offline Department '' and they do NOT take calls or communicate directly with consumers. I don't believe this is a fair trade practice and possibly deceptive. I don't recall being informed that decisions are made about my credit file by a department known as " Offline '' who will not take direct calls.

Employee XXXX  initially told me that she would forward my request in her own comments to this Department. I asked for a summary of those comments and she said that she had not written them yet. I explained that I can wait until she finishes because I'd like to understand what is being stated on my behalf. She asked me to hold on. About a minute later, Employee XXXX  relayed that her Team Leader instructed her to provide me with a Fax Number to the " Offline Department '' to submit my request. The fax number I was given is XXXX XXXX XXXX XXXX. I asked if there was an email address and the response was, no.

I have NO idea as to how long this can take. But my credit reports remain damaged and I do not feel that my consumer rights have been preserved by XXXX XXXX XXXX XXXX. 
Please help.

Company response to consumer: Closed with explanation