vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-06 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: IL

Complaint narrative:
XX/XX/18-I scheduled a one-time payment on XXXX to process a {$30.00} payment on that same date with an account that I have used before with this merchant 's card. 

XX/XX/18-I contacted XXXX XXXX XXXX XXXX after I received an alert indicating that my account was marked as 30 days late. I spoke with a Supervisor name XXXX who informed me that a payment was returned on my account due to an invalid account number. She also informed me that I would have received calls from an auto-dialer to let me know that my payment was late. 

XX/XX/18-I contacted XXXX XXXX again after later realizing that my credit limit was also decreased due to this late payment. I spoke with a gentlemen that advised me again that the payment account used was invalid, I then informed him that I have used the assigned checking account before. He indicated that I had never used that account before to draft a payment. on this account, but with a different merchant card that they also carry. He then verified the last 4 of the checking account on the other card and stated that the last 4 numbers did not match the checking account that was used to draft my payment on XX/XX/XXXX. I have since made the payment that was in question and feel that there was a system error because the account I used, that XXXX XXXX swears that I have never used, is actually listed in my XXXX XXXX account profile, and secondly, I would have never received their auto-dialer payment alerts because the number listed in my profile is not my contact number and I am not familiar with whose number that would be, but it's not mine.

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 2018-08-06 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: IL

Complaint narrative:
XX/XX/18-I scheduled a one-time payment on XXXX to process a {$30.00} payment on that same date with an account that I have used before with this merchant 's card. 

XX/XX/18-I contacted XXXX XXXX XXXX XXXX after I received an alert indicating that my account was marked as 30 days late. I spoke with a Supervisor name XXXX who informed me that a payment was returned on my account due to an invalid account number. She also informed me that I would have received calls from an auto-dialer to let me know that my payment was late. 

XX/XX/18-I contacted XXXX XXXX again after later realizing that my credit limit was also decreased due to this late payment. I spoke with a gentlemen that advised me again that the payment account used was invalid, I then informed him that I have used the assigned checking account before. He indicated that I had never used that account before to draft a payment. on this account, but with a different merchant card that they also carry. He then verified the last 4 of the checking account on the other card and stated that the last 4 numbers did not match the checking account that was used to draft my payment on XX/XX/XXXX. I have since made the payment that was in question and feel that there was a system error because the account I used, that XXXX XXXX swears that I have never used, is actually listed in my XXXX XXXX account profile, and secondly, I would have never received their auto-dialer payment alerts because the number listed in my profile is not my contact number and I am not familiar with whose number that would be, but it's not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06 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: IL

Complaint narrative:
XX/XX/18-I scheduled a one-time payment on XXXX to process a {$30.00} payment on that same date with an account that I have used before with this merchant 's card. 

XX/XX/18-I contacted XXXX XXXX XXXX XXXX after I received an alert indicating that my account was marked as 30 days late. I spoke with a Supervisor name XXXX who informed me that a payment was returned on my account due to an invalid account number. She also informed me that I would have received calls from an auto-dialer to let me know that my payment was late. 

XX/XX/18-I contacted XXXX XXXX again after later realizing that my credit limit was also decreased due to this late payment. I spoke with a gentlemen that advised me again that the payment account used was invalid, I then informed him that I have used the assigned checking account before. He indicated that I had never used that account before to draft a payment. on this account, but with a different merchant card that they also carry. He then verified the last 4 of the checking account on the other card and stated that the last 4 numbers did not match the checking account that was used to draft my payment on XX/XX/XXXX. I have since made the payment that was in question and feel that there was a system error because the account I used, that XXXX XXXX swears that I have never used, is actually listed in my XXXX XXXX account profile, and secondly, I would have never received their auto-dialer payment alerts because the number listed in my profile is not my contact number and I am not familiar with whose number that would be, but it's not mine.

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 2018-08-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: HW Holding, Inc
State: FL

Complaint narrative:
I keep getting phone calls from Hunter Warfield Company. Latest call was at XXXX XXXX  today. The number that called me was from XXXX. I called them back and they stated they are debt collection agency and trying to contact a XXXX XXXX. I am not XXXX XXXX and do not have any bad debts, from last 40 years. I did have bad debt almost 50 years ago, but nothing since then. I have asked them to stop calling me as I am XXXX years old and in poor health. They keep saying that will mark my number- XXXX as bad number for this person, but the calls keep coming.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06 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: CITIBANK, N.A.
State: GA

Complaint narrative:
I have contacted XXXX Credit Agency for over 2 years with same problem I have provided documents to XXXX. They have my died father information on my credit report like his 4 credit cards and also his name listed on my credit report I have told them to remove his name off my credit report plus they have several address that are wrong on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Portfolio Services, Inc.
State: NJ

Complaint narrative:
I recently got a copy of my credit report and noticed this debt on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: OH

Complaint narrative:
XX/XX/XXXX, we submitted a loan modification to ditech only to get the run around for a year, I would call a least 6 times a month to get any updates, I was always told my modification was under review and or they need more information which I did provide. in XX/XX/XXXX I was told to resubmit a new modification which I did, how ever before I faxed the information I recieved a letter from them saying our modification was in review. Again I called every week to get the same answers it's under review. Finally in XX/XX/XXXX I received a denial letter. I called them and was told to do another modification because they where using out dated information, so I did only to find out they never did anything with my new information .Again was told to resubmit a modification in XX/XX/XXXX. I did again. I feel we are getting the short end of the stick with them .ditech send a reinstatement letter which I asked for on XX/XX/XXXX only to receive it on XX/XX/XXXX which only gave me 15 days. I need help with this. I have all documents that support this.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06 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: MO

Complaint narrative:
I have contacted XXXX on several occasions to have them remove the public records for Bankruptcy case # XXXX removed. I have contacted the Public Records company XXXX XXXX and they have removed any public records that are associated under my name and I have submitted all documents to the credit reporting agency. XXXX  is refusing to remove the public records stating that they have investigated it previously and are refusing to remove it. I am in need of assistance.

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 2018-08-06 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: MO

Complaint narrative:
I have contacted XXXX  on several occasions to have them remove the public records for Bankruptcy case # XXXX removed. I have contacted the Public Records company XXXX XXXX and they have removed any public records that are associated under my name and I have submitted all documents to the credit reporting agency. XXXX is refusing to remove the public records stating that they have investigated it previously and are refusing to remove it. I am in need of assistance.

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 2018-08-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: NC

Complaint narrative:
I was assigned a single point of contact XXXX XXXX who hasn't acknowledged any of the documents we provided. There has been no steps to submit our file to an underwriter for loan modification consideration. A Sale Date was approved by the court for XX/XX/18. We have been ignored and neglected the opportunity to keep our home. There has been no correspondence updating our situation. Shellpoint Mortgage Servicing is not interested in following the rules for loan modification requests. We have evidence showing complete documents being sent without any response. We are looking to stay in our home that we can afford after suffering a medical and economic hardship.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP
State: IN

Complaint narrative:
I fell a little behind and am still one payment behind. Selene allowed customers to pay payments online. Several months ago they changed their online system so that customers can only pay what is due. Nothing less and nothing more. The amounts are grayed out so that nothing can be changed. I contacted them and was told this was their new policy and that customers would have to call in to make any other payment arrangements. The problem is that as of XX/XX/XXXX when making a payment on the phone a customer is required to pay either an {$8.00} fee on their automated system or {$12.00} with a customer service rep. They also increased late fees. So if a customer would like to pay more on their mortgage loan, they are required to pay this fee. When I discussed this with the customer service rep, it was clear there is no recourse for the customer. It seems that to maintain a good standing with customers they would have grandfathered in customers that have been with them long term. At the very least, they should have contacted customers notifying them of this " new policy. '' This was not done. I see this nothing more than a way to take advantage of their customers and they know there is no way to dispute their ridiculous fees and holding customers XXXX by not allowing them to pay additional amounts on their loans without paying a fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06 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: CA

Complaint narrative:
On XXXX XX/XX/XXXX, I filed a dispute with transunion for my auto loan account with XXXX XXXX XXXX ( account # XXXX ) to update the balance. I explained that the balance was {$1000.00} less than what was being reported. Instead of updating the balance, the account was deleted from my credit report which lowered my score XXXX points. I called transunion and they said that they deleted the account on XXXX XX/XX/XXXX because the creditor could not verify the account. I called XXXX and asked them and they said they do not show any contact with Transunion and that the account is still open and in good standing and should never have been deleted. They sent me billing statements and the contract along with payment history. I told Transunion I had this information that shows the account is still open and should not have been deleted. I was told it didn't matter, that the account was deleted because they couldn't verify the information. How can you open an investigation and delete the account the same day? And why does the creditor have no record of this contact or dispute?

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 2018-08-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Source Receivables Management LLC
State: TX

Complaint narrative:
On XX/XX/2016 I opened an account with XXXX. After four or five days I switched back to XXXX XXXX XXXX. On XX/XX/2016 I returned both phones to the store and paid the {$35.00} restock fee for each phone. XXXX has turned me into collections for {$1800.00} for the phones. I was not provided a receipt by the clerk at the time I returned the phones. He gave me some reason which I can not remember. I have my bank statement showing each {$35.00} deducted from my account to XXXX on that day. The collection company, Source Receivables Management, will not remove this debt from my credit report. I have spoken to management at the store who have told me they can track the phones through the IMEI number, that it has been initiated but it has gone nowhere. Source Receivables will only accept a receipt showing I turned them in. The store has looked in their system and it doesn't exist. I feel like the clerk took the phones leaving me on the hook.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06 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: NC

Complaint narrative:
Company called XXXX is attaching a collection to my credit report on both XXXX  and Transunion. They say its for a commercial loan to XXXX XXXX. It would have been for a commercial loan to a dissolved company. To get around the consumer credit rules these companies are reporting it as collections to the individuals. The loans are unsecured purchases of receivables. When the companies go bankrupt they use this tactic to affect the individuals credit.

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 2018-08-19 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:
I recently disputed an account from XXXX XXXX XXXX that was already paid in full and sent Equifax a copy of the letter from XXXX stating that the account has been satisfied. I received the dispute results and it still states that the account is active in the amount of {$1800.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I have an XXXX MasterCard. I pay an annual fee and in return do not get charged a surcharge on overseas transactions. When using the card in XXXX, the XXXX bank offers the merchant a choice of charging me in Euros or in Dollars. The rate of exchange the XXXX bank uses to calculate the Dollar amount is, of course, a rip off. I have tried to get merchants not to choose the Dollar option. But they don't always understand, and in a restaurant, I am not standing next to the waiter as they process the transaction.

I am sure this practice must be costing cardholders millions. It should be stopped. And of course, I should be compensated for the losses I have suffered.

I am attaching a statement. Most recent charges are in Euros. But there area few XXXX  charges in Dollars. This is where they are ripping people off.

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 2018-08-19 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: CITIBANK, N.A.
State: MD

Complaint narrative:
On XX/XX/2018, I tried obtain a free annual credit report from XXXX  using the website XXXX XXXX XXXX XXXX. My attempts were blocked without explaination. 
I immediately filed an complaint with CFPB against XXXX for not allowing the consumer to obtain theri reports online. To date CFPB and XXXX has refused to address or acknowledge this complaint. 

I had to submit an written request to XXXX  to get a hold of my credit report. Once I received the report I immediately disputed several inaccuracies. XXXX  reffused to correct or acknowledge all of the disputed information and then refused to sent an updated copy of the consumer credit report showing correction. 

I received XXXX  report # XXXX dated XX/XX/18. XXXX  has refused to investigate and fix the following complaints : Although Cicitbank is reporting my credit limit to XXXX. XXXX  has removed the credit limit on my Citibank account with full knowledge without showing this information it affect my debt to credit ratio and intentionally lowers the consumer credit score. 

I again reached out to Citbank and verfied reporting of my credit limit. In addition all other reporting agencies are showing the Citibank credit limit. Therefore, I would like to file a formal complaint against both Citbank and XXXX  for targeting minorites and intentionally lowering their credit scores by refusing to show the availble credit limits intentionally lowering the consmer credit scores.

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 2018-08-19 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: LA

Complaint narrative:
Issue : I have 2 bankruptcies listed on my Experian report Action : I have repeatedly and regularly written letters to ask them to provide verification of these two items and provide me with documentation showing the validity of these items.

Result : Since contacting them once a month for the last 6 months, they have only responded by saying the information has been verified by the company that provided it.

I wrote to the United States Bankruptcy Court in Illinois and Florida inquiring about what they reported about me to the bureaus. They responded on letterhead stating " The bankruptcy court does NOT perform any activities with the credit bureaus. You must contact the individual credit bureaus for their procedure for removing your bankruptcy filing from their report. '' This MEANS that the information on my credit report was NOT reported by the courts. It was reported by a 3rd party. This information provided by a 3rd party has never been verified as mine and since it is a violation of the Fair Credit Reporting Act to report false information, I am asking that these two items be deleted permanently from my report. EXPERIAN is the ONLY credit bureau reporting this information.

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