vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-12 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:
I filed a dispute regarding the inaccurate bankruptcy records on my credit report. XXXX responded with a letter confirming they were unable to complete the reinvestigation within the required timeframe and as a result deleted bankruptcy XXXX. The original dispute involved both bankruptcies listed on my credit report and both should have been removed. My case was withdrawn and I did not go to court. I have submitted proof previously. Please reference the following FCRA requirement : ( d ) Information Required to be Disclosed ( 1 ) Title 11 information. Any consumer reporting agency that furnishes a consumer report that contains information regarding any case involving the consumer that arises under title 11, United States Code, shall include in the report an identification of the chapter of such title 11 under which such case arises if provided by the source of the information. If any case arising or filed under title 11, United States Code, is withdrawn by the consumer before a final judgment, the consumer reporting agency shall include in the report that such case or filing was withdrawn upon receipt of documentation certifying such withdrawal. 

In accordance with your failure to complete the reinvestigation in the required timeframe both bankruptcies should be removed.

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 2019-06-12 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:
I filed a dispute regarding the inaccurate bankruptcy records on my credit report. XXXX responded with a letter confirming they were unable to complete the reinvestigation within the required timeframe and as a result deleted bankruptcy XXXX. The original dispute involved both bankruptcies listed on my credit report and both should have been removed. My case was withdrawn and I did not go to court. I have submitted proof previously. Please reference the following FCRA requirement : ( d ) Information Required to be Disclosed ( 1 ) Title 11 information. Any consumer reporting agency that furnishes a consumer report that contains information regarding any case involving the consumer that arises under title 11, United States Code, shall include in the report an identification of the chapter of such title 11 under which such case arises if provided by the source of the information. If any case arising or filed under title 11, United States Code, is withdrawn by the consumer before a final judgment, the consumer reporting agency shall include in the report that such case or filing was withdrawn upon receipt of documentation certifying such withdrawal.

In accordance with your failure to complete the reinvestigation in the required timeframe both bankruptcies should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION
State: NV

Complaint narrative:
Aspire student loans changed their reporting guidelines and didnt not notify their customer base. I kilt I work for XXXX and monitor my report daily. I was delinquent with my account but started repayment in XXXX of XXXX. Since then they have changed the payment status from on time, to late multiple times over the last year. Even though I am in repayment, they told me that the choose to report that the account is still in collections or over 120 days past due although I am making my payments. That is issue number one I have, my credit took a huge hit ( over 100 points ) because of them changing the payment status multiple times. I filed a dispute with three credit bureaus but the damage to my score has already taken place. I have made payments on time on an automatic payment plan though I am still being penalized while in repayment, that doesnt seem fair to me. Also, this company confirmed when I called in that they did not alert their borrowers of their changes in reporting so I fear there are thousands that have been negatively effected by their changes they kept secret. This needs to be addressed, they should be held responsible for not informing their clients of these updates. So two issues with this company, even though you are in repayment and current on those payments, they still report you in collections or over 120 days past due negatively effecting our credit and not providing a true representation of my credit behavior. And two, this company made reporting changes that effected their consumers credit reports and they failed to alert or notify anyone of these changes. If I wouldnt have called in and talked to over 5 people I wouldnt have know either.

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 2019-06-12 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:
In XX/XX/2013 I was notified that my social security number, drivers license and credit card information was compromised in a data breach. I notified the police and followed the security suggestion. I pulled my credit report a few weeks ago only to find out their are accounts on my credit report that does not belong to me.

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 2019-06-12 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:
In 2013 I was notified that my social security number, drivers license and credit card information was compromised in a data breach. I notified the police and followed the security suggestion. I pulled my credit report a few weeks ago only to find out their are accounts on my credit report that does not belong to me.

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 2019-06-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
This company has called my father in NJ, my cell phone number, and now my wife on our home phone looking to collect on some other person 's debt. I have filed XXXX, AG and FTC complaints and a previous one here telling them to stop, yet it continues. I have been told it would stop, yet it continues. When they stopped calling my cell phone, they now called the home phone. This is the end of this. This XXXX XXXX  company needs to be put out of the public 's misery NOW and for good

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 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: Atlas Credit Company, Inc.
State: TX

Complaint narrative:
Account should be closed paid in full on time monthly

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I attempted a number of times today to leave feedback on your website regarding my previously filed CFBP complaint XXXX submitted on XX/XX/2019 and closed by CFPB on XXXX/XXXX/2019. I was unable to leave feedback so I have initiated a new complaint to piggyback onto the original complaint filed in the hope that the CFPB may take further action regarding this matter as I do not deem the original complaint issues to be fully resolved at this time. I have attached a copy of the correspondence ( three pieces ) that were forwarded to Capital One today XXXX/XXXX/2019 outlining the remaining ongoing issue from the original complaint filed on XXXX XXXX, 2019, and not yet resolved. I believe my XXXX XXXX, 2019 attached correspondence to Capital One clearly outlines the remaining issue in this complaint ; and from my standpoint it is a very important issue considering that it clearly contradicts my assertion that I did not authorized nor place the 8 disputed credit card charges, contradicts the clear notification of error email from XXXX received recently, and basically skirts the principal issue of integrity in this case. I am not pleased with how Capital One has handled this matter from start to finish either from the investigative end or from the customer relations end. I am considering further options, including hopefully this complaint through CFPB. Thank you for your continued assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: The Best Service Co.,Inc
State: CA

Complaint narrative:
On XX/XX/XXXX I received a letter from my employer stating my wages were being garnished from XXXX XXXX XXXX, I've had no prior notice of this action or account i called and spoke with XXXX XXXX who told me this was a debt from a XXXX XXXX cell phone account in XX/XX/XXXX. i asked him what i could do i don't remember owing a cell phone company XXXX XXXX any money. The total amount due that is being garnished out my wage is XXXX. I never was properly served or gave a chance to contest this account, I did not have any knowledge of court hearings or dates to be present so I can represent my self.

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 2019-06-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: TX

Complaint narrative:
I closed on this home on XX/XX/2019. The mortgage originator was XXXX. I had agreed and they had agreed that I would be sending weekly payments. Shortly after and just before my first payment was due they sold the loan to a company named Amerihome. Amira home claims that they either gave them the wrong address to send paperwork to or they sent it to one of my old addresses they are not telling me which one but they dont except weekly payments several weeks ago by before I found this out because they sent a document to yet another address I had but not the one that they had the mortgage loan because theyre plain XXXX   of course and it has been a freaking nightmare getting all of this sorted out ever cents and it is still not sorted out. I was told the only way to get away from them is to refinance if I do that I am going to be filing a lawsuit against the company and theyre going to be paying way more than the closing costs are even offered for them to buy this whole place out for what I have in it and they can sell it to whoever before they get their XXXX sued I dont wish to harm attorney but if I have to I will this is the worst treatment of the mortgage that Ive ever seen in my entire life I was ahead of the game and they were sending me checks back in different forms one through my bank and one paper check theyre not even consistent with that and then when you call on the phone you cant get any answers. Im done trying to get it sorted, I need some sort of intervention.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 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: SECURITY FINANCE CORP
State: TX

Complaint narrative:
Account should be closed paid in full on time monthly

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 2019-06-12 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: Gold Star Finance, Inc.
State: TX

Complaint narrative:
Account should be closed paid in full on time monthly

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Perfection Collection
State: MO

Complaint narrative:
Company is in violation of the FDCPA and US Bankruptcy laws. I filed chapter XXXX bankruptcy on XX/XX/2019 at the XXXX XXXX of Missouri with case number XXXX. The company has threatened to file suit against me on a debt included in bankruptcy. The company is in violation of the automatic stay according to bankruptcy code by contacting me. The company is in violation demanding payment on a debt included in bankruptcy. Misreprentation of being attorneys that will file a suit if not paid. Violation of promising to remove debt from credit reports if I pay them ( again they have no rights to collect since the account is in bankruptcy ).

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
To whom it may concern : Please see information attached which shows I signed and agreed to a modification on XX/XX/XXXX. Due to unemployment until XX/XX/XXXX, per the attached agreement I informed XXXX of my Employment and on several occasions contacted the office to put my loan back in good standing as Promised.Instead I now have a higher interest rate and also added interest separated from my principal in the amount of over {$37000.00} since XXXX I have paid more interest, and I have interest which is waiting for me to pay the loan in full. My loan was paid up by XXXX XXXXXXXX XXXX until i got a Job. When I started back to work the loan was caught up. I have tried to correct this for over 4 years. I am reaching retirement with my mortgage, in a situation that I was promised that the loan would be Refinanced or modified by XXXX, however when I called they told me they had no authority to do what they promised. I feel the promise was just to get me to sign the paperwork.Speaking to Representative after Representative then Mortgage transferred to still getting no help. Phone call after phone call has caused me so much frustration, I do not think at XXXX  years of age I should have this battle, therefore I am really hoping to get this settled with help from CFPB. This is my second request for help, my property value is not increasing, and the home needs some repairs.I will be retiring in XXXX, and would like to do so in peace. I am providing the attached information. Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 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: Contemporary Information Corp
State: AZ

Complaint narrative:
I requested my free annual credit report from CIC - Contemporary Information Corporation. I received 2 postage due envelopes from this company. 1 ) Why should I be paying for my free report via postage due when they make money off harvesting and selling my data? They should apply proper postage and not use these stall techniques to discourage consumers. 2 ) one envelope contained my report. The second envelope that was addressed to me at my home address contained the reports of another individual who I do not know and lives in another state.And they wanted me to pay postage on his information too? Their quality control and protection of his and my private information was not secure. I called the company to tell them of this problem. They didnt say much. I had to run the phone call. They didnt seem to care or have any interest in the situation of sharing someone else 's information with me or my complaint that they sent postage due. I offered them the report number of the unknown person and my report number. CIC told me to send the report back to them. 3 ) Why would I need to pay to send it back to protect this man 's private data. I have the recording of the call into them to prove they offered no solutions other than me paying to send it back. This is totally unacceptable. I am going to attach the 2 envelopes sent to me, postage due and the 2 cover sheets of the reports. I refuse to upload the other consumers private data beyond the front page for his identification, follow up as wel as verifiable proof of this horrific error that occured.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 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: LEXISNEXIS
State: AL

Complaint narrative:
I filed a dispute regarding the inaccurate bankruptcy records on my credit report. LexisNexis responded with a letter confirming they were unable to complete the reinvestigation within the required timeframe and as a result deleted bankruptcy XXXX. The original dispute involved both bankruptcies listed on my credit report and both should have been removed. My case was withdrawn and I did not go to court. I have submitted proof previously. Please reference the following FCRA requirement : ( d ) Information Required to be Disclosed ( 1 ) Title 11 information. Any consumer reporting agency that furnishes a consumer report that contains information regarding any case involving the consumer that arises under title 11, United States Code, shall include in the report an identification of the chapter of such title 11 under which such case arises if provided by the source of the information. If any case arising or filed under title 11, United States Code, is withdrawn by the consumer before a final judgment, the consumer reporting agency shall include in the report that such case or filing was withdrawn upon receipt of documentation certifying such withdrawal.

In accordance with your failure to complete the reinvestigation in the required timeframe both bankruptcies should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: ALLY FINANCIAL INC.
State: IA

Complaint narrative:
Vehicle was totaled out XX/XX/XXXX. Ally financial received all but about {$3000.00}. We had gap insurance and had followed up with the Ally several times as the credit reporting still reflected a balance owed. After calling the company several times in a 6 month period I was told that we had some payments deferred due to a death in the family so the gap insurance would not pay. I did not get this information from them until the end of XX/XX/XXXX. Ally told me at that time that XXXX, XXXX and XXXX payments were delinquent. Interesting that they didnt charge any payments from XX/XX/XXXX until XX/XX/XXXX. It is extremely hard to get anyone in that organization not help you. I am concerned that there was no disclosure provided that advised that the gap insurance would not cover at the time we had the payments deferred. Now I owe a balance of {$2400.00} to pay off the loan and they hit my credit report with 90 day late payments. Their customer service agents are no help and we are unable to make online payments as the account cant be found. I advised them that we had to replace the vehicle but could not afford to make a {$410.00} payment but they are unwilling to work with me. They just keep dropping my credit score.

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 2019-06-12 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: Avant Credit Corporation
State: NJ

Complaint narrative:
I personally, closed credit card account ending in XXXX, the company sends me a statement with a closing date of XX/XX/2019 advising of a credit of {$2.00}. Rather than take the rational normal approach of sending a refund check, they send a statement advising of a minuscule credit. 

Please inform the simple minded company to issue me a refund check.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 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:
I am a victim of identity theft. A couple years back my luggage was lost at the airport. When my bags were finally located the suitcase with my laptop computer was never found.The laptop had all of my personal information on it including social security number, driver license number, address, my kids information etc. There are some fraudulent accounts that have showed up on my credit report over the years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-12 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX {$580.00} - - Installment Negative XX/XX/XXXX XXXX   XXXX  XXXX {$890.00} {$700.00} 128 % Revolving Negative XX/XX/XXXX XXXX XXXX- XXXX {$11000.00} - - Installment Negative XX/XX/XXXX XXXX XXXX XXXX XXXX {$0.00} - - Installment Negative XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation