vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My FICO score provided by XXXX XXXX XXXX does not reflect my good payment history. My score during XXXX XXXX - XXXX XXXX was XXXX and was lowered to XXXX during XXXX - XXXX XXXX. The most recent score for XXXX XXXX was downgraded to XXXX despite the fact that I 've never had one single late payment on my credit card since XXXX XXXX. I 've called XXXX XXXX XXXX and they confirmed my impeccable payment history but could not explain why my FICO score got lower.

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 2017-06-28 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: FL

Complaint narrative:
My FICO score provided by XXXX XXXX XXXX does not reflect my good payment history. My score during XX/XX/XXXX - XX/XX/XXXX was XXXX and was lowered to XXXX during XX/XX/XXXX - XX/XX/XXXX. The most recent score for XX/XX/XXXX was downgraded to XXXX despite the fact that I 've never had one single late payment on my credit card since XX/XX/XXXX. I 've called XXXX XXXX XXXX and they confirmed my impeccable payment history but could not explain why my FICO score got lower.

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 2017-06-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I contacted Transunion in  XXXX  to notify them that  XXXX  inquiries had been removed from my report and with in 2 weeks  later they reappeared. I contacted them numerous times ; however, the representative only kept informing me that is was an error and the inquiries should in fact be on my report. I asked them numerous times why I was not notified on them being removed and being placed back on and she simply kept informing me that they did not have to notify me about my report.   XXXX  I am exhausted and I have spent numerous hours trying to get this resolved ; however, Transunion has not been willing to cooperate.

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 2017-06-28 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Duncan Solutions, lnc.
State: NM

Complaint narrative:
I am disputing the validity of the debt in whole. I did not received the XXXX violations notice from the Delaware Department Of Transportation until months later by the debt collection agency. XXXX XXXX XXXX XXXX. The violations notice were mailed to the wrong address. At XXXX XXXX XXXX. XXXX, MD XXXX. The mailing address at XXXX XXXX XXXX, on my leasing contract is XXXX XXXX XXXX. XXXX, MD XXXX. The address for, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, MD XXXX. XXXX XXXX XXXX XXXXXXXX ... XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX. I received a certify original driver license application which has a asterisk next to the address ... I have explain my situation to ( Del.DOT ) and the collection agencyXXXX XXXX XXXX ; to no avail. Which I believe are at fault for my financial dilemma/default in credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: SUNTRUST BANKS, INC.
State: DC

Complaint narrative:
A COMPANY CALLED " XXXX XXXX XXXX '' received reports from SUNTRUST BANK NA ON XX/XX/XXXX, XX/XX/XXXX, And XX/XX/XXXX. <P/>They have accused me of improper banking and I never received a warning during the time I had THAT account with them. This agency XXXX can hold reporting information to other banks & financial instituitons for FIVE YEARS. I FIND THIS TO BE A PROBLEM AS I AM A HOMEOWNER AND WILL NEED TO OPEN ANOTHER HOME RELATED BANK PRODUCT. <P/>I HAVE SINCE HAD AN ACCOUNT WITH THEM IN XX/XX/XXXX AS WELL.

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 2017-06-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
on X/XX/17 I requested my PIN be sent. It has been 14 days and in their response they said it would be 5-7 days. They lied again. I am applying for a mortgage and it is imperative that I get that information immediately. I have previously filed a complaint on Transunion and I think they are purposely holding up this information because of this. XXXX XXXX was the snotty supervisor who not only had me answer the security questions but also ask to have my husband fax his drivers license to her. This is ridiculous.

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 2017-06-28 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Was checking  my credit report found an account of a credit card that i never owned showing in the negative on my credit report. The credit reports show the card was issued by Bank Of America (BANK OF AMERICA #XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX (XXXX) XXXX Date Opened: XX/XX/XXXX
Responsibility: Individual Account
Account Type: Revolving Account
Loan Type: CREDIT CARD
Balance: $XXXX
Date Updated: XX/XX/XXXX
Payment Received: $XXXX High Balance: $XXXX 
Credit Limit: $XXXX Pay Status: Current; Paid or Paying as
Agreed
Date Closed: XX/XX/XXXX
Delinquency of 30 days in XX/XX/XXXX and in
XX/XX/XXXX< I called Bank Of America because i have no knowledge of this account nor the negative report on my credit. I called the Bank Of America credit card company  was told by the credit card dept that they do not have anything in their records showing that i ever had a credit card with them and there was nothing they could do ( spoke with representative XXXX from the Arkansas Bank Of America credit card department) I need this problem and error fixed and my credit report corrected.

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 2017-06-28 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 — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
JP Morgan Chase Bank has reported that my Auto Loan #  XXXX  was 30 days late in the month of  XXXX   2017  and  XXXX   2017 . There has been several adjustments on my account due to them misapplying my payments ; therefore, the statements I have been receiving are not accurate. I have been paying on this loan for the last 2 years and I have never been late and they are stating that they are not able to make any adjustments because they are reporting accurately even though the representative that I spoke with clearly informed me that my payment was indeed not 30 days late.   XXXX  I have reached out to them on several occasions to have this resolved and I submitted a dispute with the  Credit Reporting Agency as JP Morgan Chase told me to do ; however, they are still not updating the reports which is causing an adverse affect on my credit score at the  moment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28 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: NJ

Complaint narrative:
Transunion removed  XXXX   XXXX  and then reinserted back on to my report on  XXXX   XXXX  in violation of federal law. The creditor failed to reply within 30 days. The debt was paid. Please remove  XXXX   XXXX  permanently from my report. Transunion incorrectly marked it as an update in violation of federal law.   XXXX    XXXX   deleted  XXXX   XXXX  also then reinserted in violation of federal law. The creditor failed to reply within 30 days.  XXXX  can not reinsert that creditor. I paid the debt. Please remove 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 2017-06-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation
State: IN

Complaint narrative:
Plan o f Reorganization ( the " Agreement '' ) was approved by United States Bankruptcy Court e ffecti vely  XX/XX/XXXX . I am now on my  XXXX  servicer effective XX/XX/XXXX . The first  XXXX  servicers, PHH and  XXXX , respectively refused to acknowledge or   abide by the  Agreement as set  forth. The have returned payments, refused payments, sent inaccurate year end reporting and escrow accounts in spite of persistent emails, phone calls and direct mail correspondence outlining specifically the agreement.   XXXX  I have been unable to sell the property because they have refused to give me a payoff amount.   XXXX  I cant afford my Bankruptcy attorney to pursue this. I have included a lot of correspondence that will back up my claim

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28 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: FL

Complaint narrative:
Experian has my son 's social on my credit file I have provided Experian now twice a copy of my social security card and the issue is still not fixed. Please help My social is  XXXX  and my son 's is  XXXX  I want his social off of my credit file and anything else belonging to him

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 2017-06-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgence Legal Group, PC
State: CA

Complaint narrative:
Received a letter in the mail that looks like a court document ( this is illegal in CA and most states ). I called and they stated they have a judgments against me from 2009, I never went to court for anything, never received any proof of service. I completely do n't understand this debt. They are also stating they are attorneys trying to collect on a debt from 2009. Statue of limitations in CA is 4 years. The letter is from Resurgence Legal Group. Attorney XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: RI

Complaint narrative:
To make a very long story short, debt collector XXXX XXXX XXXX for XXXX XXXX XXXX is not in the business off collecting debt but stealing funds as they please. They attached my bank accounts and wages 3 years ago. When I called to find out for what account, how much I owed, and why I have n't received correspondence I was rudely spoken to and hung up on several times by a XXXX. I ended up having to go to them in person to have my questions answered and address updated. It was then that I told them they can call me, my phone # has been the same but addresses change. The statement they ended up sending me did not make any sense. The original debt was {$800.00}. Now somehow it 's over {$2500.00}, so I disagreed with what was owed. Also due to the attachment and wage garnish, they were receiving payments from me. They failed to send me records of this. I never received or heard from them for 3 years, no calls and no mail. Time passed by and I forgot about the whole ordeal until another attachment to my bank account was made this time taking close to {$2000.00}. I called this morning to find out how this can be happening again. They said it 's my fault I should of called them when I moved. I called the court to see where they have been sending my mail and it 's to the same address prior to me changing it with them. No one lives at that address, I told them that before. They 've never filed with the credit bureau so I would n't of known that way either. The original debt is over 13 years old, I really do n't know how this still exists. I tried calling to set something up for repayment but again rudely spoken to by the same XXXX. This time I was prepared and did n't allow it to hurt me. I am a XXXX mom with a XXXX XXXX  old baby. This debt collector has not tried at all to contact me effectively. They withdrew every dollar I had in my account, my spouse 's as well because we have joint accounts. My rent is due in a few days, it 's now gone. I 'm out on XXXX XXXX so not working. I 'm only XXXX XXXX XXXX because I believe the Lord is my provider and will get my family through this. I am not disputing I owe a debt but the amounts appear illegitimate and the debt collectors handling is inhumane and unsympathetic.

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 2017-06-28 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
XXXX   XXXX   XXXX    XXXX   has reported that my Auto Loan #  XXXX  was 30 days late in the month of  XXXX     2017  and  XXXX   2017 . There has been several adjustments on my account due to them misapplying my payments ; therefore, the statements I have been receiving are not accurate. I have been paying on this loan for the last 2 years and I have never been late and they are stating that they are not able to make any adjustments because they are reporting accurately even though the representative that I spoke with clearly informed me that my payment was indeed not 30 days late.   XXXX  I have reached out to them on several occasions to have this resolved and I submitted a dispute with the  Credit Reporting Agency  as  XXXX   XXXX   XXXX  told me to do ; however, they are still not updating the reports which is causing an adverse affect on my  credit score at t he moment.

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 2017-06-28 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
XXXX   XXXX   XXXX   XXXX  has reported that my Auto Loan #  XXXX  was 30 days late in the month of  XXXX   2017  and  XXXX   2017 . There has been several adjustments on my account due to them misapplying my payments ; therefore, the statements I have been receiving are not accurate. I have been paying on this loan for the last 2 years and I have never been late and they are stating that they are not able to make any adjustments because they are reporting accurately even though the representative that I spoke with clearly informed me that my payment was indeed not 30 days late.   XXXX  I have reached out to them on several occasions to have this resolved and I submitted a dispute with th e Credit Reporting Agency  as  XXXX   XXXX   XXXX  told me to do ; however, they are still not updating the reports which is causing an adverse affect on my credit score at the moment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
XXXX   XXXX   XXXX   XXXX  has reported that my Auto Loan #  XXXX  was 30 days late in the month of  XXXX   2017  and  XXXX   2017 . There has been several adjustments on my account due to them misapplying my payments ; therefore, the statements I have been receiving are not accurate. I have been paying on this loan for the last 2 years and I have never been late and they are stating that they are not able to make any adjustments because they are reporting accurately even though the representative that I spoke with clearly informed me that my payment was indeed not 30 days late.   XXXX  I have reached out to them on several occasions to have this resolved and I submitted a dispute with t he Credit Reporting Agency  as  XXXX   XXXX   XXXX  told me to do ; however, they are still not updating the reports which is causing an adverse affect on my  credit score  at the moment.

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 2017-06-28 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: CITIBANK, N.A.
State: GA

Complaint narrative:
BestBuy/CBNA has not updated the payment status on  XXXX   &   XXXX  to paid.   XXXX   is still reporting " Bad debt & placed for collection & skip '' The balance is  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 2017-06-28 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
In accordanc e with 10 U.S.C. 1044, I  am a   XXXX   XXXX   XXXX   XXXX   XXXX    representing  XXXX   XXXX   XXXX  and his daughter,  XXXX   XXXX   XXXX  in a legal assistance capacity.   XXXX  Wells Farg o Education Financial Services h as been attempting to collect a fraudulent debt from my client. They have also ignored and refused to investigate information provided to Wells Fargo by my clients that they were attempting to collect a fraudulent debt.   XXXX  The loans were taken out naming  XXXX  as the institution of attendance. We have contacted the University  XXXX   XXXX   XXXX   XXXX   , w ho reported they have never received funds from Wells Fargo  that  was used to pay tuition or any other fee for  XXXX   XXXX   XXXX   XXXX   XXXX  did attend  XXXX  in  2013 , when the loans were taken out.   XXXX  We have contacted Wells Fargo to let them know we are formally disputing the debt.   XXXX   Loan Number   XXXX , Account number-  XXXX   Amount  is around {$4000.00}

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 2017-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I received three overdraft fees, {$34.00} each, amounting to {$100.00}. This was caused by three online payments of {$11.00}, {$11.00}, and {$23.00} going through. This caused the account to overdraft {$27.00}. <P/>I know I am supposed to get money in before XXXX to make sure my account is funded, but I was not able to do that until about XXXX when I deposited {$28.00} to cover. <P/>This morning I woke up to the three overdraft charges. I could understand one, or even two, but the way the bank submitted the payments, they charged as much as they possibly could, almost 4 times the amount of the overdraft. This is not right. <P/>I contacted the bank but although they say, '' your satisfaction continues to be our topmost priority '' they would not waive even one of the fees. <P/>I had this experience before and requested that they review their policy. I do n't believe they should be able to charge more than the amount of the overdraft. What they are doing is so wrong and really hurts people who do n't have a lot of money to spare. <P/>I contacted the CFPB previously about this and you forwarded my concern. I am hoping contacting you again will make them reconsider their policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Commercial Recovery Systems
State: NJ

Complaint narrative:
CRS Debt collection of XXXX Texas keeps calling myself, my job and my family members up to 5 times a day. They claim I owe money from some kind of loan from 2009. They tell me someone is coming to arrest me, and use abusive language. I have no idea what the loan is for, and they keep calling my place of unemployment and family members over and over. The person today told me to be quiet and listen to him that I am going to get arrested.

Company response to consumer: Untimely response