vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-13 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: AL

Complaint narrative:
I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items is listed below. 
The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. 


Reason : NOT Metro 2 Compliant there not USC 1692g compliant.

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 2019-11-13 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: AL

Complaint narrative:
I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items is listed below. 
The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. 


Reason : NOT Metro 2 Compliant there not USC 1692g compliant.

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 2019-11-13 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: FL

Complaint narrative:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY IN ONE CREDIT,  CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

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 2019-11-13 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Park View Credit
State: IN

Complaint narrative:
Repeatedly calling me even on weekends

Company response to consumer: Untimely response
Consumer complaint received 2019-11-13 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: GA

Complaint narrative:
Please assist me in getting the following items corrected on my credit report : Transunion and XXXX is reporting my birth year incorrectly as XXXX. My correct birth year is XXXX. My birth date is XX/XX/XXXX. 


Incorrect Address : XXXX XXXX XXXX, Incorrect Address : XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX Incorrect Employment : XXXX XXXX  XXXX Correct Employment Name : XXXX XXXX XXXX The following Accounts does not belong to me. Please remove from my credit file : XXXX - XXXX that was opened XX/XX/XXXX XXXX XXXX - XXXX with a balance of {$33000.00} ; Incorrect Balance : {$33000.00} Incorrect State : Alabama XXXX XXXX  Incorrect Monthly Payment : {$11.00} Incorrect Status : Late 120 days XX/XX/XXXX - XX/XX/XXXX ( Please tell me how this is possible..120 days every month..would the days late increase? ). This is not my account. All of a sudden since I have been disputing that this account does not belong to me and all of the information is incorrect, now it is showing I am up to date. 

Correct Balance : {$11000.00} Correct State : North Carolina Correct Monthly Payment : {$120.00} Correct Status : I was never late between XX/XX/XXXX - XX/XX/XXXX Unauthorized Inquiries reporting on my credit file : - XXXX - XXXX XXXX XXXX  - XXXX - XXXX - XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXN - XXXX XXXX XXXX XXXX - XXXX XXXX  - XXXX XXXX XXXX XXXX - XXXX XXXX XXXXXXXX XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX - 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 2019-11-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: NV

Complaint narrative:
On XX/XX/XXXX, I received a notice by mail from Convergent that I owed XXXX on a bill from XXXX. They said I could discharge the debt by paying them 35 % of my total balance, or XXXX. 

Not having any issue with XXXX, I called them to inquire. They told me that we had no debt unpaid with them and that we have been a good client since XX/XX/1995. 

I called Convergent 4 times on XX/XX/XXXX to discuss this notice. Each time I was transferred to a random answering machine where I could not understand the message. Each time I called back, I was told I would be transferred to a supervisor or the proper department. 

And each time I was transferred to another anonymous answering machine.

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 2019-11-13 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
CRA placed a fraud alert on my credit report without asking me or obtain8ng my approval. Likewuse, the alert tells creditirs to call me but provides no phone number to contact me. As such, i have been denied credit, specifucally from XXXX XXXX XXXX  for this issue alone. They aporoved and were going to open my account but declined. Ecause if this alert and no way to contact me. I have tried numerous times to have it removed to no avail. This includes emails, faxes and letters vial mail with the proper request and required identification difyments. I again tried last week by facing, mailing, and trying to upload online as directed. Their online submission keeps gaving internal errors ampnd will not finess processing and submitting. Likewise, i called several times to get assistance. Im transferred and told I need special processing then h7ng up on. Ive been hung up on today by 3 representatives.

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 2019-11-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AG AH LLC
State: NJ

Complaint narrative:
I purchased a home in XX/XX/2019 @ XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ. The unit is part of a home that went from 1 standalone unit to 2 condos in 2019. That said, the taxes for the property in 2019 were for 1 unit as opposed to 2. 

During my closing, I worked with XXXX XXXX  they covered the Q2 taxes for the entire home ( even though I should have only paid for the unit # 1 portion or 60 % ). The purchaser of unit # 2 also paid for Quarter 2 taxes. 

Very shortly after my closing, my mortgage was acquired by Arc Homes. 

In XXXX & XXXX, the mortgage company of unit # 2 paid the entire tax while my mortgage company has not paid taxes but has collected $ 4,000+ in my escrow account. Now, I need to be reimbursed that amount so that I can pay XXXX ( owner of unit # 2 ) back on the taxes that he has paid out for my portion of the bill. 

I initially contacted Arc Homes on XX/XX/XXXX and spent 45 minutes on the phone having them insist that they had paid my taxes out. On Tuesday, XX/XX/XXXX I called again and after 30 minutes they agreed to open an investigation and would get back to me in about a week. The following Tuesday, XX/XX/XXXX, I called back and their update was that they were " still trying to reach the tax assessor '' but they gave me a footprint number ( XXXX ) so that I could easily get updates when I called back. Waiting another 2 days and called again on XX/XX/XXXX only to be told that my footprint had been " escalated '' but would require a further 3-5 business days to receive information. 

XX/XX/XXXX & XXXX, I call back again and receive again no update outside of them claiming to try to reach the tax assessor ( I've provided them a name and phone number for the gentleman I've been dealing with ) and that I need to upload documents ( of which I already have twice and they claim to have no received ). 

I owe XXXX, the owner of unit # 2, {$4000.00}, while I am frustrated that my mortgage company is abysmal it isn't even my money that I'm concerned about. Arc Homes has the absolute worst customer service and as soon as this tax situation is resolved I will be looking to refinance so that I do not have to work with them any longer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: Total Card, Inc.
State: NE

Complaint narrative:
I do owe a past balance on my account but it is only 1 month late. I don't mind the phone calls to my cell phone, but on XX/XX/2019, Total Card Visa called my employer and harassed them about where I was and when I was going to be paid. That, in my opinion, is unethical. Never have I gave Total Card permission to contact my employer, let alone harass them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: KY

Complaint narrative:
I would like assistance with a dispute of charges that I filed on XX/XX/XXXX due to fraudulent charges on my credit card. The charges accrued on XX/XX/XXXX at XXXX 'XXXX  XXXX XXXX  XXXX in XXXX KY {$130.00}, {$97.00}, {$77.00}, and {$65.00} for a total of {$370.00} all at this same restaurant. I have called Citi several times to try to get updated information for the dispute. The charges are still on my balance with no refund. My last call was made today due to needing advice. I want to close my card because of how this has been handled and I was told that I could leave the balance that is being disputed and I would not be charged a late fee, or reported to the credit reporting agencies as late by Citi, which is fine, but I would like a letter in writing stating this. No one can provide it nor can anyone give me a update.

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
Consumer complaint received 2019-11-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I have XXXX XXXX, XXXX XXXX and a XXXX XXXX XXXX credit card account that are all managed by Comenity Capital Bank. ( The first 2 have  balances, that I'm trying to pay off. ) Like many consumers, I pay my bills online. However, Comenity Bank does not allow auto pay on a recurring basis. If this feature were incorporated, I would not miss any monthly payments and deal with the sequela of late fees and a ding to my credit score. It's in the bank 's interest to NOT add this consumer friendly feature. 

I had a Virgin America Visa credit card that is managed by Comenity Bank. The account has been closed, since Virgin was sold. Comenity allows recurring auto payment to this account, so I know there must be a coder out there that can add this. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 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: HEARTLAND PAYMENT SYSTEMS INC
State: CA

Complaint narrative:
( XX/XX/19 ) Received email that my account is " delinquent '' from missing a payment, called and ECSI representative said it was a mistake ( XX/XX/19 ). 
I made a payment and re-set up automatic payments moving forward ( XX/XX/19 ). Account still incorrectly marked as delinquent and bringing down my credit score. 

Help is much appreciated!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
CRA placed a fraud alert on my credit report without asking me or obtain8ng my approval. Likewuse, the alert tells creditirs to call me but provides no phone number to contact me. As such, i have been denied credit, specifucally from XXXX XXXX XXXX  for this issue alone. They aporoved and were going to open my account but declined. Ecause if this alert and no way to contact me. I have tried numerous times to have it removed to no avail. This includes emails, faxes and letters vial mail with the proper request and required identification difyments. I again tried last week by facing, mailing, and trying to upload online as directed. Their online submission keeps gaving internal errors ampnd will not finess processing and submitting. I have also been hung up when trying to reach someone by phone and now can not access my online account.

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 2019-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY IN ONE CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

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 2019-11-13 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: FL

Complaint narrative:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY IN ONE CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY 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 non-monetary relief
Consumer complaint received 2019-11-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: WI

Complaint narrative:
I have been trying to cancel the PMI on my mortgage for years now and Dietch Financial keeps finding reasons why they can't do that. Most recently, I submitted to have my PMI cancelled and they told me I need to have an appraisal done on the home. An appraiser came to my home on XX/XX/XXXX and completed the appraisal. After hearing nothing from Ditech for a month, I reached out to them to obtain a copy of the appraisal. Today, Ditech left me a voicemail and told me that the appraisal that was done in XXXX was not done correctly and they need to do another appraisal. I have still not received a copy of the appraisal not was I told what was wrong with the first appraisal, just that it was wrong. When I called Ditech back at the number the agent provided, I had great difficulty getting connected with the agent who called me even though I had her direct extension. After a few attempts to connect with I was finally ( gruffly ) transferred to her extension. I got her voice mail and I left her a message letting her know that I approve having another appraisal done. I think Ditech is shrining me along to get more PMI payments out of me because we are now coming up on two months after the initial appraisal and I'm not being told we have to do another appraisal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 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:
There are apparently several models for your FICO score. For example : My FICO score through Experian 's FICO Score XXXX model is reporting XXXX while it's XXXX for the FICO score XXXX model. Score XXXX is what lenders use for mortgages. I have never been late on a mortgage, and have even paid them off. This score in my opinion should be higher than the score XXXX, but instead it's 72 points lower. There is no explanation for this disparity and can not get answers from Experian, XXXX or XXXX. My complaint is against the FICO scoring system. They are also showing a low score on my auto, and I have never been late on an Autoloan. I have had 2 auto loans, both of which were paid in full.

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 2019-11-13 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:
I applied for a personal loan today XX/XX/19 and I was not approved because when they ran y credit, they said that there was an account and some inquiries reflecting badly on my credit report. That account does not belong to me. I did not open that account and I did not allow anyone to open this account in my name. I have never opened an account with that company nor did I ever make any purchases or payments towards the account that I have listed on this report. I filed a police report as soon as I found out about these unauthorized items on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
This is another complaint against Kohl 's which has refused to acknowledge or read the attached evidence and FACTS regarding the derogatory remark/late payment they have posted to my credit report. They have been incredibly difficult to work with, with XXXX XXXX, failing to return my calls and failing to elaborate on the matter in writing beyond what feels like scripted responses. The FACTS are there were no late payments in XXXX or XXXX. There was a dispute in XXXX whereby Kohl 's failed to process a timely payment. They must remove this false late payment IMMEDIATELY from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
This is another complaint against XXXX XXXX which has refused to acknowledge or read the attached evidence and FACTS regarding the derogatory remark/late payment they have posted to my credit report. They have been incredibly difficult to work with, with XXXX XXXX, failing to return my calls and failing to elaborate on the matter in writing beyond what feels like scripted responses. The FACTS are there were no late payments in XXXX or XXXX. There was a dispute in XXXX whereby XXXX XXXX failed to process a timely payment. They must remove this false late payment IMMEDIATELY from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY 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