vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-15 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have contacted Experian 4 times trying to resolve the issues with my personal information and addresses that do NOT belong to me. Under the FAIR CREDIT REPORTING ACT, they did NOT use reasonable procedures to TOTALLY verify the information they are receiving from their clients who FURNISH the information! They are REPORTING INFORMATION THAT does NOT belong to me and REPORTING INACCURATE 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 non-monetary relief
Consumer complaint received 2018-04-15 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: GA

Complaint narrative:
ALL 3 CRA 's have not updated my balances for my XXXX account in months my balance is {$0.00} 's yet TRANSUNION XXXX AND XXXX  are still showing a balance of {$620.00}. XXXX has advised me to file a lawsuit against the 3 CRA 's because they have been doing the same thing to others with their updates also. AND PLEASE LET XXXX  KNOW MY CORRECT NAME IS XXXX XXXX XXXX not XXXX 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 2018-04-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with convenience check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I made a payment to XXXX XXXX XXXX to pay off my Signature Loan with a Bank of America " Spirit '' Credit Card check. It was check # XXXX. I didn't know it has an Expiration Date on the check in small letters : Deposit or cash by XX/XX/2018. It had an offer ID on it : XXXX. I didn't really look at this check and thought it was good for all time. I was not told anything about this type of check. The date on the check is the date I paid off my Signature Loan. The ATM at a credit union in  Florida OK'ed the transaction and put the money in my XXXX XXXX XXXX . I moved the money from my checking account to pay off my Signature Loan of {$5400.00}. The Bank of America did not accept the check and didn't tell XXXX XXXX XXXX about this transaction. I believe Bank of America has committed Fraud in not accepting my payment even though I didn't understand that the credit card check had an expiration date which the ATM did not catch. Additional programming needs to be put in. It's possible the Bank of America has pilfered millions of credit unions and other banks by sticking the banks with the payment and then not processing the check. By reporting this do I get a reward from the Consumer Financial Protection Bureau? This Bank of America needs to be fined. It's Fraud when a bank won't accept their own issued checks.

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 2018-04-15 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: OK

Complaint narrative:
this account was disputed asking to verify debt was mine they were asked to provide a document that bears my signature and bears amount owed or agreed upon, the were aslo notified that an Itemize statement does not provide proof as per FTC opinion letter : and FDCPA section 807-8 and section 623-b Transunion also notified of dispute and was requested to respond with documentation that bears my signature as proof this is my account upon the investigation, that i dont consent to third party or XXXX verification, that the must contact the collection or original creditor, to provided documentation bearing signature and forward to me upon completion of there investigation, Per FTC XXXX was notified the same as Transunion. 
FCRA section 611 ( a ) ( 1 ) ( a )

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 2018-04-15 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I had -- -First let me start by saying I might not have checked the right complaint box. This is my problem.. I had a XXXX  credit score with experian credit bureau for the last month. Now in this month they tell me that my credit score dropped 10 points because I had an inquiry with XXXX. Does my XXXX credit report have a bearing on my Experian credit report. If so why not just have one credit bureau and be done with it. Also if that is the case, XXXX  only dropped my score by 2 points so why isn't Experian following suite . Is there a government website I can go to to find out my rights with credit reporting. Is this legal

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 2018-04-15 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: CITIBANK, N.A.
State: WI

Complaint narrative:
Citigroup has recently enacted practices that directly violate the civil rights of millions of law abiding Americans.

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 2018-04-15 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: GA

Complaint narrative:
ALL 3 CRA 's have not updated my balances for my XXXX   account in months my balance is {$0.00} 's yet XXXX   EQUIFAX AND XXXX are still showing a balance of {$620.00}. XXXX  has advised me to file a lawsuit against the 3 CRA 's because they have been doing the same thing to others with their updates also. AND PLEASE LET EQUIFAX KNOW MY CORRECT NAME IS XXXX XXXX XXXX not XXXX XXXX XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-15 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: GA

Complaint narrative:
ALL 3 CRA 's have not updated my balances for my XXXX   account in months my balance is {$0.00} 's yet XXXX   XXXX  AND EXPERIAN are still showing a balance of {$620.00}. XXXX has advised me to file a lawsuit against the 3 CRA 's because they have been doing the same thing to others with their updates also. AND PLEASE LET XXXX KNOW MY CORRECT NAME IS XXXX XXXX XXXX not XXXX 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 non-monetary relief
Consumer complaint received 2018-04-15 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: Midwest Recovery Systems
State: OK

Complaint narrative:
this account was disputed asking to verify debt was mine they were asked to provide a document that bears my signature and bears amount owed or agreed upon, the were aslo notified that an Itemize statement does not provide proof as per FTC opinion letter : and FDCPA section 807-8 and section 623-b XXXX also notified of dispute and was requested to respond with documentation that bears my signature as proof this is my account upon the investigation, that i dont consent to third party or XXXX verification, that the must contact the collection or original creditor, to provided documentation bearing signature and forward to me upon completion of there investigation, Per FTC XXXX   was notified the same as XXXX.

FCRA section 611 ( a ) ( 1 ) ( a )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-15 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: OK

Complaint narrative:
this account was disputed asking to verify debt was mine they were asked to provide a document that bears my signature and bears amount owed or agreed upon, the were aslo notified that an Itemize statement does not provide proof as per FTC opinion letter : and FDCPA section 807-8 and section 623-b XXXX also notified of dispute and was requested to respond with documentation that bears my signature as proof this is my account upon the investigation, that i dont consent to third party or XXXX verification, that the must contact the collection or original creditor, to provided documentation bearing signature and forward to me upon completion of there investigation, Per FTC Equifax was notified the same as XXXX.

FCRA section 611 ( a ) ( 1 ) ( a )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-15 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: NATIONSTAR MORTGAGE LLC
State: GA

Complaint narrative:
I submitted a request to update my mortgage information to all 3 major credit bureaus in XX/XX/XXXX. My mortgage had not been updated on my credit files sinceXX/XX/XXXX. All 3 reports showed incorrect balances and did not accurately reflect my payment history. In XX/XX/XXXX they were deleted from my files stating they could not verify the status of my loan from Mr.Cooper/Nationstar Mortgage. I contacted Mr.Cooper/Nationstar Mortgage on XX/XX/XXXXand the company have not resolved my issue. Instead, sending duplicate computer generated responses. I have contacted the company via phone and email. I have supporting documentation attached below. I would like my mortgage to be reported to all 3 major credit bureaus with accurate payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-15 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: IL

Complaint narrative:
Equifax 's customer service would not help and take care of the negative inquiries reporting on my credit report. Several certified letters have been sent requesting they be removed. I did not authorize them and the ones listed below do not belong to me.

XXXX  XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-15 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: GA

Complaint narrative:
I submitted a request to update my mortgage information to all 3 major credit bureaus in XX/XX/XXXX. My mortgage had not been updated on my credit files since XX/XX/XXXX. All 3 reports showed incorrect balances and did not accurately reflect my payment history. In XX/XX/XXXX they were deleted from my files stating they could not verify the status of my loan from XXXX/XXXX XXXX. I contacted XXXX/XXXX XXXX on XX/XX/XXXX and the company have not resolved my issue. Instead, sending duplicate computer generated responses. I have contacted the company via phone and email. I have supporting documentation attached below. I would like my mortgage to be reported to all 3 major credit bureaus with accurate payment history.

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 2018-04-15 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: GA

Complaint narrative:
I submitted a request to update my mortgage information to all 3 major credit bureaus in XX/XX/XXXX. My mortgage had not been updated on my credit files sinceXX/XX/XXXX. All 3 reports showed incorrect balances and did not accurately reflect my payment history. In XX/XX/XXXXthey were deleted from my files stating they could not verify the status of my loan from XXXX XXXX. I contacted XXXX XXXX on XX/XX/XXXX and the company have not resolved my issue. Instead, sending duplicate computer generated responses. I have contacted the company via phone and email. I have supporting documentation attached below. I would like my mortgage to be reported to all 3 major credit bureaus with accurate payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-15 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: GA

Complaint narrative:
I submitted a request to update my mortgage information to all 3 major credit bureaus in XX/XX/XXXX. My mortgage had not been updated on my credit files since XX/XX/XXXX. All 3 reports showed incorrect balances and did not accurately reflect my payment history. In XX/XX/XXXXthey were deleted from my files stating they could not verify the status of my loan from XXXX XXXX. I contacted XXXX XXXX onXX/XX/XXXX and the company have not resolved my issue. Instead, sending duplicate computer generated responses. I have contacted the company via phone and email. I have supporting documentation attached below. I would like my mortgage to be reported to all 3 major credit bureaus with accurate payment history.

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 2018-04-15 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: LA

Complaint narrative:
I have sent multiple disputes to Transunion, requesting they validate and verify accounts within my credit file. I sent a dispute on XX/XX/2018 requesting validation and verification persuant to the Fair Credit Report Act Federal Law 15 U.S.C. 1681. This law states that my credit file must contain 100 percent accurate information. There is no way to tell if the information within my file is accurate if I am not given evidence or verification of the accounts when requested. Sending a copy of an itemized bill IS NOT verification of a personal debt. Verification must be a contractual agreement between myself and the creditor furnishing the information to my credit file. Transunion repeatedly ignores federal law and has never provided me with such evidence of the validation or verification of the debts I have requested.

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 2018-04-15 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: Peoples Commerce Inc
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX I previously disputed a repossession due to the company People Commerce not sending me a notice of rights after repossession. And the fact that the PA Attorney General Office suing their subsidy XXXX XXXX for selling me a costly lemon. XXXX has removed this but XXXX and XXXX are not removing this off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NEW CITY FUNDING CORP.
State: MA

Complaint narrative:
NEW CITY FUNDING KEEPS PUTTING THIS ON MY REPORT WHEN THIS WAS MY MOTHERS CAR. At the time she got this car I had my permit, and I never agreed to be a co signer I agreed on being someone they will call if she doesnt pay her bill. I just got my liscense in XX/XX/2018 this car was taking out a year before that, Ive contacted them multiple times telling them this and they tell me theirs nothing I can do but take my mom to court and Im telling them I never signed any documents and even so I didnt have my liscense so how could I be a co buyer. What further action can I take now becaus this isnt my responsibility and its affecting my credit!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-15 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: U.S. BANCORP
State: FL

Complaint narrative:
Applied for a credit card with US Bank in XX/XX/XXXX. Called in to request a credit line reconsideration. I explicitly told the customer service representative that under no circumstances could they initiate another hard inquiry on my XXXX report and the customer service representative told me that since they use the last 30 days inquiry, there would be no 2nd hard inquiry on my XXXX  report ; however, underwriting submitted another hard inquiry on my XXXX  report. Called in several times to get them to investigate. Finally after several phone calls they finally pulled the recorded phone calls and noted that they would remove the 2nd hard inquiry from my XXXX report. To date, no request to XXXX  to remove the hard inquiry has been initiated by US Bank. After several calls to underwriting to inquire about their lack of followup to remove the hard inquiry, they can only see a notation to remove the hard inquiry, but no one seems to know who will submit the request or when that might happen. It's been nearly a month since my initial request to remove the hard inquiry and no request to XXXX has been initiated by US 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 non-monetary relief
Consumer complaint received 2018-04-15 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: Navient Solutions, LLC.
State: IL

Complaint narrative:
InXX/XX/XXXX, I applied to the rate reduction program that Navient runs, where your interest rate is reduced. We scheduled payment transactions to be taken out of my account automatically every month. for the first 9 months I would pay around {$600.00} and for the final months I would pay closer to {$1200.00}. I was told that I was approved, but there was a clerical error and my account was never approved. I did not catch this mistake until XX/XX/XXXX. I had called them and filed a dispute. After talking with a manager, they realized that they had never pushed through my account to be approved even though the approval was in my account notes and log. They had been taking out the automatic payments even though they did not approve this account. After talking with the manager about this issue and they investigated it, I was approved for the program and was told that they would not report negatively to the credit bureau because it was a mistake on their part. I thought they followed through with this promise. However, checking my credit report today, they have reported negatively against me posting that I am 60 days past due. It has brought my credit score down from over 650 down to XXXX. I have been paying on time per the rate reduction contract. In the agreement, I was told that this would not impact my credit score. I plan on addressing this issue again this week with Navient. They need to be held accountable for their agreements that they make. It is not ethical to tell a client that they will not negatively report you, but then turn around a negatively report you. I have already filed a dispute with the credit bureauXX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-15 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: LA

Complaint narrative:
I have sent multiple disputes to XXXX, requesting they validate and verify accounts within my credit file. I sent a dispute on XX/XX/2018 requesting validation and verification persuant to the Fair Credit Report Act Federal Law 15 U.S.C. 1681. This law states that my credit file must contain 100 percent accurate information. There is no way to tell if the information within my file is accurate if I am not given evidence or verification of the accounts when requested. Sending a copy of an itemized bill IS NOT verification of a personal debt. Verification must be a contractual agreement between myself and the creditor furnishing the information to my credit file. XXXX  repeatedly ignores federal law and has never provided me with such evidence of the validation or verification of the debts I have requested.

Company response to consumer: Closed with explanation