vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
AFTER REVIEWING MY ANNUAL CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT WERE PLACED ON MY CREDIT FILE. PLEASE BE AWARE THAT THOSE ACCOUNTS WERE PLACED WITHOUT MY KNOWLEDGE AND ARE REPORTING AS DEROGATORY ACCOUNTS. I URGE YOU TO PROMPTLY UPDATE YOUR CREDIT RECORDS AND CORRECT YOUR REPORTING INACCURACIES ON MY CREDIT FILE FOR I AM NO LONGER LIABLE TO THOSE DEBTS. 
I DISPUTE THOSE ACCOUNTS IN ITS ENTIRETY AND I KINDLY ASK THAT THE NEGATIVE ENTRIES YOU'RE REPORTING BE INVESTIGATED AND DELETED FROM MY REPORT AS SOON AS POSSIBLE TO PREVENT ANY FURTHER DAMAGE ON MY CREDIT FILE AND OTHER ENTRIES SUCH AS LATE PAYMENTS OR CHARGE OFF SHOULD BE PURGED FROM MY CREDIT FILES.

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 2019-05-17 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: OH

Complaint narrative:
I have had a few issue with old or inaccurate information and unverified accounts on my credit report. There is an account from XXXX XXXX XXXX # XXXX, is in current status and was never late please remove the 90 days late not accurate?? I have an account that was resolved with the original creditor. I never done business with XXXX XXXX XXXX # XXXX please delete. I have a unverified account XXXX XXXX XXXX OHIO DOCKET # XXXX this account is not accurate please delete.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PROVIDENT FUNDING ASSOCIATES
State: GA

Complaint narrative:
I overpaid my XX/XX/2019 mortgage payment. I made two XX/XX/2019, mortgage payments ; {$750.00} received and posted by Provident Funding on XX/XX/2019 and {$800.00} received and posted by Provident Funding on XX/XX/2019, both payments made via ( XXXX XXXX XXXX ), ACH. I requested in writing on XX/XX/2019, to Provident Funding a return of one over- payment. Provident Funding refused to return my over-payment until I submitted verification that both payments cleared my bank and further, that I had a positive balance in my bank account. It was only after repeated request to return my over-payment and after holding my posted and cleared funds for 10 days, did I get a communication from Provident Funding that my over-payment would be returned. I also asked Provident Funding to transfer my account to another mortgage service provider. They denied my request. I no longer have confidence in Provident Funding to be a creditable or fair mortgage serving provider and wish to be associated with a more reputable financial institution.

XXXX XXXXl

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Screening Reports Inc.
State: OH

Complaint narrative:
I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. Please see the attached copy of my utility bill for your reference. For the record I have lived in the same residence for over 7 years. This has created several issues for me in the past. I am currently in the process of buying a home I will be in contract in 30 days. my name is XXXX XXXX XXXX please remove any other name from my credit file. I am currently SELF Employed please remove XXXX  XXXX, XXXX  XXXX, XXXX XXXX, XXXX  XXXX I never work for these companies. 
XXXX, XXXX All other addresses are not accurate. Please REMOVE/DELETE these address IMMEDIATELY : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX The following phone numbers are not mine please remove :XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2019-05-17 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NC

Complaint narrative:
I answered an ad on indeed about a caregiving job and then I was sent a check for XXXX I was then instructed to send XXXX dollars to Texas to help the family move their mom to XXXX NC from Texas the check they sent me bounced and they got away with my XXXX dollars o sent through money gram Ive contacted police and money gram and my bank no one would help me Ive been getting the run around from money gram and I cant file a complaint no one will listen to me please help me get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: LA

Complaint narrative:
I want on XXXX and meet gen XXXX XXXX XXXX and what a big problem I sent him {$3.00} it was not all time. I think he was a XXXX men. I have all the informant in my computer. I just don't want people to do what I did.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17 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: EQUIFAX, INC.
State: SC

Complaint narrative:
AFTER REVIEWING MY ANNUAL CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT WERE PLACED ON MY CREDIT FILE. PLEASE BE AWARE THAT THOSE ACCOUNTS WERE PLACED WITHOUT MY KNOWLEDGE AND ARE REPORTING AS DEROGATORY ACCOUNTS. I URGE YOU TO PROMPTLY UPDATE YOUR CREDIT RECORDS AND CORRECT YOUR REPORTING INACCURACIES ON MY CREDIT FILE FOR I AM NO LONGER LIABLE TO THOSE DEBTS. 
I DISPUTE THOSE ACCOUNTS IN ITS ENTIRETY AND I KINDLY ASK THAT THE NEGATIVE ENTRIES YOU'RE REPORTING BE INVESTIGATED AND DELETED FROM MY REPORT AS SOON AS POSSIBLE TO PREVENT ANY FURTHER DAMAGE ON MY CREDIT FILE AND OTHER ENTRIES SUCH AS LATE PAYMENTS OR CHARGE OFF SHOULD BE PURGED FROM MY CREDIT FILES.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-17 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: MO

Complaint narrative:
I contacted XXXX to disagree with the debt. Every credit bureau removed the debt instead of Equifax. I received a letter from XXXX explaining they will contact every credit bureau to explain it does not belong on my account. I have sent the letter to Equifax several times but they will not remove the debt from my account. I sent a letter to Equifax on XX/XX/XXXX and XX/XX/XXXX. There were also letters from a company I paid to take over but I do not have those on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Outsource Group, Inc
State: CA

Complaint narrative:
I have been trying to get this resolved for quite some time. This is my 3rd complaint regarding the reporting practices of XXXX. I have disclosed files showing where XXXX stated they have removed the collection. But after checking my credit report once again, I now show medicredit reporting twice for the same collection that was paid!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hard Inquiry XX/XX/2019 Joint Account XX/XX/2019 XXXX XXXX, and credit Bureaus have closed the fraudulent " Joint Bank Account '' associated Fraudulent XXXX " Hard Inquiry '', but not the Hard Inquiry itself off of my credit reports.

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 2019-05-17 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: U.S. BANCORP
State: CA

Complaint narrative:
After the XXXX of the month US Bank calls me successive times in a 1 minute time frame. Literally 2 calls in 60 seconds. They'll make multiple calls per day as well. They'll do this every day until they receive the payment. I consider this excessive and abusive.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17 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: Nelnet, Inc.
State: MI

Complaint narrative:
I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and XXXX XXXX XXXX with no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NM

Complaint narrative:
I have a small limit Old Navy credit card from synchrony Bank. On XX/XX/19 I was sent a letter that, because my credit score dropped a few points, they closed my account. The balance was XXXX, and there had never been a late or minimum payment on the account. 

My complaint is the unfair penalization of closing my account, further lowering my credit score, when I never had a late payment or any other issues paying this account, or any other credit cards. Also requiring me to take yet ANOTHER hit to my credit score if I ever wish to apply again. 

How is this practice even 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 explanation
Consumer complaint received 2019-05-17 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: OH

Complaint narrative:
I submitted a letter to Transunion asking them to provide me with the information they have obtained to validate the accounts that are currently listed on my credit report. There are numerous accounts listed on my credit file that are inaccurate, multiple listings and accounts that are to old to be on file. As of today, Transunion still have not provided me with the information that I requested of them. They mailed me a letter asking me to verify my new mailing address instead of providing the documentation they obtained in order to lawfully report these accounts. 
Attached is the letter that I sent to them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CORELOGIC INC
State: OH

Complaint narrative:
I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. Please see the attached copy of my utility bill for your reference. For the record I have lived in the same residence for over 7 years. This has created several issues for me in the past. I am currently in the process of buying a home I will be in contract in 30 days. my name is XXXX XXXX XXXX please remove any other name from my credit file. I am currently SELF Employed please remove XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX I never work for these companies. 
XXXX, XXXX All other addresses are not accurate. Please REMOVE/DELETE these address IMMEDIATELY : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX The following phone numbers are not mine please remove :XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( 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 2019-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: FACTUAL DATA CORP.
State: OH

Complaint narrative:
I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. Please see the attached copy of my utility bill for your reference. For the record I have lived in the same residence for over 7 years. This has created several issues for me in the past. I am currently in the process of buying a home I will be in contract in 30 days. my name is XXXX XXXX XXXX please remove any other name from my credit file. I am currently XXXX XXXX  please remove XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX I never work for these companies. 
XXXX XXXX All other addresses are not accurate. Please REMOVE/DELETE these address IMMEDIATELY : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXXXXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX The following phone numbers are not mine please remove XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
Experian You Guys were so Busy Typing in the completed investigation on the account I see you changed the Balance updated to XX/XX/2019 But you Forgot to change the Status update If you Guys are Going to change this information Make sure you do it right Because the law say You have to do a proper investigation and Look at the status update that's a true Sign you did not conduct a investigation because you were Too Busy typing in consumer dispute message lol You people are a joke CFPB DO YOU SEE WHAT I'm TALKING ABOUT THEIR WAS NO INVESTIGATION! AND THEY HAVE STARTED ADDED IN THERE DISPUTE NOTE THEMSELVE ... MMMMM INPRESSED IF YOU GUYS GOING TO CHANGE THESE ON YOUR OWN TRY NOT TO GET CAUGHT AND DO IT THE RIGHT WAY HAHA FUNNY AS XXXX XXXX XXXX CAN YOU EXPLAIN TO ME AND CFPB AS TO HOW THIS HAPPENED THE ACCOUNT STATUS SHOULD HAVE CHANGED UNTIL XX/XX/2019 ITS STILL SHOWING LAST MONTH ARE YOU ABLE TO SEND ME A CFPB OF THE CODES AND THE DATES THAT XXXX WAS USED TO TRANSMITT TO XXXX AND WHAT CODE AND DATE AND TIME XXXX SENT IT BACK TO YOU FOR PROOF BECAUSE THIS US UNREAL AS YOU ARE BREAKING THE LAW. 
CFPB I'M ASKING YOU TO LOOK INTO BECAUSE THIS IS NOT THE 1ST TIME I HAVE SEEN THIS ITS CLEAR AS DAY THEY ARE NOT CONDUCTING A FAIR AND PROPER INVESTIGATION EXPERIAN IF YOU ARE TRUTHFUL ABOUT THIS SEND ME THE PROOF AND CODES THAT YOU SENT VIA XXXX XXXX IF  YOU CANT I ASKED THAT YOU REMOVE THIS ACCOUNT ASAP. THE TRUTH WILL SET YOU FREE AND THE ONLY THING WILL PROVE THIS IS THE XXXX XXXX  TIME AND DATE AND I WILL BE WAITING ON YA!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
On XX/XX/XXXX my account fraudulently debuted for XXXX . I called my bank usaa and they were confused as well the title was atm adjustment fee after 1 week of going back and forth a representative called and said she will oersonnly call me on Monday XX/XX/XXXX and it never happen. It will eventually come on my credit and I am not trying to go through that especially when it not my fault. After calling them almost every day and spending more then 50 minutes on the phone getting transferred around. I am starting to lose hope.

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 2019-05-17 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: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
As a XXXX XXXX  I was furloughed and called Wells Fargo to explain the situation and needed to forgive my XX/XX/XXXX payment. I was promised I would not have to pay that month and it would not affect my credit. Once I returned to work I paid double the next month and included the interest for the late fee. To my surprise Wells Fargo did not keep their promise and reported to all the credit bureaus I was late. I have never been late since the time I have had the loan in XX/XX/XXXX and the one time a XXXX XXXX needed a delay in payment due to the government shut down they treat their long standing customer with so much disregard as if I control the government. 

I have called multiple times and wrote multiple letters to get this removed. I will attach a letter sent XX/XX/XXXX and XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Senex Services Corp.
State: OH

Complaint narrative:
Senex Services based in XXXX, Ind have been reporting a {$600.00} medical collection on my reports to all three bureaus since XXXX. As of XXXX of XXXX, When I pulled my credit reports, I disputed said collection account and have not received verification of any masternote that contains my signature or any document for that matter with my handwritten signature. Everytime I try to verify with senex of said debt, they refuse to provide documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17 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: CA

Complaint narrative:
Hard Inquiry XX/XX/2019 Joint Account XX/XX/2019 XXXX XXXX, and credit Bureaus have closed the fraudulent " Joint Bank Account '' associated Fraudulent XXXX " Hard Inquiry '', but not the Hard Inquiry itself off of my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Hard Inquiry XX/XX/2019 Joint Account XX/XX/2019 XXXX XXXX, and credit Bureaus have closed the fraudulent " Joint Bank Account '' associated Fraudulent XXXX " Hard Inquiry '', but not the Hard Inquiry itself off of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BB&T CORPORATION
State: NM

Complaint narrative:
Tried to pay off loan with a wire transfer from my bank. First time nothing happened. Received another statement so I called there Express 24 line. They said my bank number was wrong. Rechecked routing and bank account number and got another conformation number and was told it would take five to ten day. Checking my account every day and nothing so far. All this happened between XX/XX/19 and XX/XX/19. The payoff amount between these dates increased due to interest. XX/XX/19 payoff was XXXX on XX/XX/19 was XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: OH

Complaint narrative:
SNATIONAL CREDIT SYST XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX ( XXXX ) XXXX Is Saying I stayed at this apartment at a certain date but I didnt stay at the apartment at that time of date.. I even contacted the apartments and they didnt have any information on me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
I had my bank pay off my credit card with a secure check. The credit card company cashed the check and still hadnt applied the monies to my account. The statement was mailed with the guaranteed check. I also have a copy of the cleared check.

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 monetary relief