vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Contacted TransUnion disputes dept today XX/XX/2019. I asked if my dispute sent via mail was received and I was told yes. It was received on XX/XX/2019. I asked if Cfbp complaint that I filed had been received-got ignored. The rep. stated dispute would be completed the second or so week in XX/XX/2019. The rep. stated 30 days is their normal time frame. I told the rep. no!! The first & second dispute took 30 days each. I stated they had 15 days according to fcra rule 611, 613, 605, & 617 to complete dispute. I indicated that information in my dispute Letter. I also made known to the rep. that TransUnion has blocked / removed allowing me access to view, check status, or start new dispute online. Then the rep. hung up the phone

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 2019-08-23 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: IL

Complaint narrative:
I turned in a leased vehicle in XX/XX/XXXX. All payments made on time and nothing was owed. I was given a new lease ( XXXX XXXX XXXX XXXX that was financed through the same leasing company ( XXXX XXXX and was always in good standing and again, never late. The credit bureaus keep reporting that i was late with a payment in XX/XX/XXXX on the XXXX XXXX. This is not possible because the lease was turned in in good standing in XX/XX/XXXX and never late. XXXX sent me a letter reflecting XXXX  balance and sent the same info that I was never reported late on this account. Please help fix this problem because my scores were over 700 until this! The bureaus keep putting me late on this old XXXX account, XXXX XXXX on a XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23 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: NC

Complaint narrative:
I am making a complaint against Experian in regards to a reinvestigation that has not resolved my dispute nor under my rights under the FCRA, Section 611 ( a ) ( 6 ) and ( 7 ). to get  how they verified a account was correct on my credit report. I have called Experian and requested verification of How they claim the company reported the information is accurate and I also sent in writing to Experian requesting how it was verified and have received NOTHING the first investigation and now on the reinvestigation.

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 2019-08-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Recovery Services, Inc.
State: TX

Complaint narrative:
I received a debt collection notice from Southwest Recovery Services for the amount of {$370.00} in XX/XX/2019. Upon which I sent them a letter formally disputing the debt and requesting that they verify the debt on XX/XX/2019. 

I haven't seen or heard from the collection company since and today, XX/XX/2019, I noticed the collection on my credit 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
Consumer complaint received 2019-08-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Consultants, Inc.
State: TN

Complaint narrative:
Back in XXXX I had XXXX  XXXX, after I told them I was changing my service to our local service. They sent me a final bill AFTER they were told. XXXX then sold the account to Diversified Collections, the amount of this balance is XXXX in XXXX. I have disputed this several times with no luck. It has now been 5 years and they refuse to remove it from my report. I just sent in a dispute on it once again. I was told after 2 years it should be off my report by my lawyer. This needs to be removed from all of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: IL

Complaint narrative:
I have been approved for a trial loan modification since XX/XX/2019 on my deceased brothers property that I am the owner of. 

I have made ALL of my monthly payments. I have to date STILL NOT RECEIVED my permanent loan modification. 

They said they mailed it in XX/XX/XXXX. I never received it. I called TWICE in XX/XX/XXXX. They said they would email me the paperwork, which both times NEVER came. They said they would XXXX XXXX the paperwork, it also NEVER came. 

Because of this, I still have NO PERMANENT MODIFICATION PAPERWORK. I am not going to continue calling them, because they promise, and fail to send the paperwork. Please help me get my permanent modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: New Hampshire Northeast Credit Services, Inc.
State: NH

Complaint narrative:
Talked to 2 incredibly rude people today with NH/NE credit services. I was told they could not prove the original debt took place. Told me that I had to prove I did not have a medical procedure done or not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23 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: PRESTIGE FINANCIAL SERVICES INC
State: AL

Complaint narrative:
I pulled my credit the first week of XX/XX/XXXX and found a number of unauthorized inquiries, this being one of them. I sent them a letter dated XX/XX/19 that asked them to either provide me with proof of authorization or remove this inquiry from all of my credit reports because I do not recognize and did not authorize such inquiry. It's XX/XX/19 and I still haven't heard from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23 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: SC

Complaint narrative:
THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23 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:
THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23 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: Santander Consumer USA Holdings Inc.
State: AL

Complaint narrative:
I pulled my credit the first week of XX/XX/XXXX and found a number of unauthorized inquiries, this being one of them. I sent them a letter dated XX/XX/19 that asked them to either provide me with proof of authorization or remove this inquiry from all of my credit reports because I do not recognize and did not authorize such inquiry. It's XX/XX/19 and I still haven't heard from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23 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: Consumer Portfolio Services, Inc.
State: AL

Complaint narrative:
I pulled my credit the first week of XXXX and found a number of unauthorized inquiries, this being one of them. I sent them a letter dated XX/XX/19 that asked them to either provide me with proof of authorization or remove this inquiry from all of my credit reports because I do not recognize and did not authorize such inquiry. It's XX/XX/19 and I still haven't heard from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BMO BANK NATIONAL ASSOCIATION
State: IN

Complaint narrative:
I opened a new checking account and use the promotion offer. I supposed to get {$300.00} after opening the account and two direct deposits of {$500.00}. After this I asked the bank multiple times why I am not getting the promotional amount. After research and multiple follow up calls, I was told that I didn't use a debit card. When I opened the account, I didn't get the debit card and the manager didn't mention to me anything about using debit card. This is clearly misleading advertisement and intentionally not disclosing all facts when I was opening the 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 monetary relief
Consumer complaint received 2019-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Contacted XXXX  disputes dept today XX/XX/2019. I asked if my dispute sent via mail was received and I was told yes. It was received on XX/XX/2019. I asked if Cfbp complaint that I filed had been received-got ignored. The rep. stated dispute would be completed the second or so week in XX/XX/2019. The rep. stated 30 days is their normal time frame. I told the rep. no!! The first & second dispute took 30 days each. I stated they had 15 days according to fcra rule 611, 613, 605, & 617 to complete dispute. I indicated that information in my dispute Letter. I also made known to the rep. that XXXX   has blocked / removed allowing me access to view, check status, or start new dispute online. Then the rep. hung up the phone

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 2019-08-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: UT

Complaint narrative:
We are a XXXX  XXXX company in Utah and participated in a local festival XX/XX/XXXX through XX/XX/2019. We used the PayPal Here app to process debit and credit card transactions for the sale of our XXXX  XXXX XXXX and prepared XXXX drinks. Sales from this activity generated approximately {$1300.00} in revenue over the three day period. On Monday XXXX, XXXX, I tried to transfer the funds from the PayPal account to our business checking account. I was informed that {$500.00} was available to withdraw, but {$860.00} would be held for up to 30 days to guard against financial risk. In email communication with PayPal personnel, I was told " An account reserve is an amount of money set aside in your PayPal account to help make sure that you're able to meet any liabilities you may incur from a chargeback, claim or bank reversal, where no other money is available. The reserved amount still belongs to you but is unavailable for use ( including withdrawal ). '' The items for sale at the festival largely were consumed immediately by the purchaser, or if not, the purchaser took home a bag of {$14.00} XXXX XXXX. I could understand a two or three day hold, but feel 30 days is excessive. I asked directly exactly what date the funds would be available and have not been given that date. In the meantime, I am checking every day to see if we are able to make the transfer. I believe we will eventually get the funding, but the State of Utah requires sales tax to be paid by the end of this month and not having complete access to the funds represents additional hardship. Would appreciate any assistance from the CFPB in understanding how/why this practice is acceptable. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: IL

Complaint narrative:
In XX/XX/XXXX I canceled my XXXX XXXX  with XXXX. I returned the equipment and even received an email notice from XXXX that equipment was returned on XX/XX/XXXX. I also spoke to a representative in XX/XX/XXXX because of the circumstances of needing to cancel my service the early termination fee was waived and as long as the equipment was returned the amount owed to the account would be {$0.00}. I received bills in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX they had not fixed the bill and each month I called, each time speaking with a representative and they would go back and look at the notes to XXXX out the account again. On XX/XX/XXXX I spoke to a representative that applied the appropriate fee waivers and after a couple hours on the phone I was told the balance was XXXX. I never received another bill from XXXX or any other communication regarding this account, until XX/XX/XXXX. I received a phone call and the same day a credit alert to my XXXX credit report that a collections had been place on my account from Diversified Consultants for the {$320.00} from XXXX  that had been turned over to them for collections. They have not been willing to removed this from my credit reports, XXXX   shows this balance as XXXX again after 3 days of calling and going through old notes the account was corrected. However XXXX XXXX at Diversified Consultants is not willing to remove this from my credit report. The bill was XXXX and it was XXXX fault that this account was placed for collections. I feel that diversified needs to take this collection account off my credit report since XXXX shows a XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23 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: FACTUAL DATA CORP.
State: AL

Complaint narrative:
I pulled my credit the first week of XX/XX/XXXX and found a number of unauthorized inquiries, this being one of them. I sent them a letter dated XX/XX/19 that asked them to either provide me with proof of authorization or remove this inquiry from all of my credit reports because I do not recognize and did not authorize such inquiry. It's XX/XX/19 and I still haven't heard from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: TX

Complaint narrative:
Reference : COMPLAINT ID XXXX SUBMITTED ON XX/XX/2019 PRODUCT Mortgage ISSUE Applying for a mortgage or refinancing an existing mortgage *********************************************************************** You closed the case without completing a through investigation making me and others waste our time. This is not a fair procedure and could be for the same reasons that the company discriminated against me : I am XXXX.

This email sent to me by the realtor may explain why : XXXX XXXX   <XXXX> To : XXXX XXXX XX/XX/XXXX at XXXX XXXX Its not a matter of agreeing or disagreeing you signed a contract and you are in breach of that contract. Trust me I know that it doesnt Seem fair to you and I agree with that. The XXXX you were using should have ask you for your proof of income from the start before Issuing you a preapproval letter. He should not have waited as long as he did and I mostly blame him for that. If your income was going to be an issue he shouldve addressed that with you from the beginning.

I cant force you to sign anything but eventually I do believe that they will get an attorney involved and its going to cost you more money If they do And I do not want to see that happen to you.

Show original message -- XXXX XXXX Realtor | XXXX XXXX XXXX XXXX Your agency does not investigate the cases as they should.

I must informed you that Vanderbilt reimbursed me the money they asked for appraisal, but, even though that I authorized Vanderbilt to provide all information to the realtor it seemed that Vanderbilt was not diligent in notifying the parties.

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 2019-08-23 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: PR

Complaint narrative:
I request to EXPERIAN to verify the two accounts listed on my credit report XXXX and XXXX XXXX   they said that they contact XXXX and asked them to verify the accuracy of the information with which I disagree. XXXX  SUPPOSEDLY responded and verified that the disputed information was accurate as reported .I contacted XXXX  and they effectively removed the two accounts from my records. I have supporting new documentation regarding the disputed information, See attached letter below

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 2019-08-23 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: BARCLAYS BANK DELAWARE
State: MD

Complaint narrative:
I settled two of my delinquent Barclay credit card accounts with a XXXX XXXX XXXX XXXX in Virginia. One account was settled on XX/XX/2019, and the other on XX/XX/2019. Since the settlement, the status of my credit report has read that the debt has been satisfied for less than the full balance. On XX/XX/19, my credit score dropped dramatically as Barclays is currently reporting that one of the accounts, that had been settled, is now behind and that I owe a balance of {$5300.00} dollars. This is inaccurate. This reporting is only showing up on my XXXX report and not with the other credit bureaus. Time is of the essence as I am looking to purchase a new home and this recent ding on my report will put the process in jeopardy. As the delinquent accounts were just recently settled, I am not sure why Barclays is now reporting the account with a balance owed with a failure to pay.

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 2019-08-23 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
Consumer complaint received 2019-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Bank of America charged an overdraft fee on my joint checking account when it clearly stated in our account ( shown in their mobile app and in the online statement that appears when logging in to their desktop website ) that there was a positive balance in the account at the time the overdraft fee was assessed ( I have a screenshot. ) This is not the first time recently that this has happened and it seems their algorithms have changed recently, within the past couple of months. The B of A customer service rep stated today in a recorded phone call that there are two different systems that the bank uses the system whose dashboard the consumer is directed to when they log in online to their account is not the system used to determine when an overdraft fee is assessed. The consumer dashboard used by the system the mobile app and the B of A website uses is incorrect, erroneous, and misleading and, according to B of A, does not show the true amount of actual balance in a consumers account. The customer service rep I spoke to today refused to refund the overdraft fee and claimed a supervisor was unavailable to speak to me when I repeatedly asked for one.

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