vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-02 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: GA

Complaint narrative:
Hello. I was the counter at XXXX 's applying for an ln-store line of credit and was denied because of things being reported on my credit report I signed up for an online credit service and discovered Items on my credit that I have no Idea what they are. I'm not sure how my information got Into the hands of someone else, this fraud and I calle the police. Also now had contact with FTC. I'm now contacting you all. Please help me. These are the items that are not mine and I'd like them removed please. 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 non-monetary relief
Consumer complaint received 2019-10-02 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: PA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2019-10-02 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: PA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02 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 2019-10-02 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to dispute the minimum payment for this month. I would like to request to have the minimum amount corrected to reflect the exact minimum amount and entire balance. 

In XXXX of XXXX, I sent a payment to XXXX for the minimum amount required. Accordingly, I mailed this to XXXX before the due date ; however, the date the check posted was 1 day after the due date. Notwithstanding, I asked XXXX Customer Service if they could renounce the late fee for this month. I obtained a notification via chat regarding the late payment. This acknowledgement included proof that the late payment was waived. XXXX complied with my request. However, I noticed on my next month 's statement that the late fee had not been waived. I contacted the XXXX Customer Service Department to discuss the possible oversight. I asked about the minimum payment for XX/XX/XXXX. I also asked about the percentage for the minimum payment. The person I spoke with stated, " there is no set amount for the minimum payment each month. '' I did finally receive a statement for this month that just shows an amount past due and it's delinquent. The minimum amount should not exceed 3 % of the total amount for the principal. 

I disputed the trade line via Equifax 's online portal. However after 30 days, received notification that the amount shown was corrected but the trade line didn't show the correct monthly payment or balance. 

I would like to have the monthly billing statement updated showing the correct amount due per month.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02 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:
THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THESE ARE ACCOUNTS THAT I DID NOT AUTHORIZE AND I HAD NO IDEA THAT SOMEONE HAD ACCESS TO MY PERSONAL INFORMATION. I AM IN DISTRESSED BECAUSE THESE DEROGATORY ACCOUNTS HAVE CAUSED DAMAGE TO MY FILE AND HAVE PREVENTED ME FROM ATTEMPTING NEW CREDIT. PLEASE LOOK INTO THIS MATTER AND HAVE THOSE INACCURATELY PLACED ACCOUNTS OFF MY CREDIT FILE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-02 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: AMERISAVE MORTGAGE CORPORATION
State: MI

Complaint narrative:
On XX/XX/2019, I was contacted via my personal cell phone by XXXX XXXX from Amerisave Mortgage Corporation, XXXX XXXX XXXX, XXXX XXXX XXXX, Georgia. 

During this recorded phone call, XXXX stated I was being contacted because of a recent credit inquiry on my credit report from a mortgage company. XXXX requested permission to take a loan application to make an offer. 

I declined this request, and informed him that my FICO score mid was a XXXX & if he could quote me Amerisave 's best rate on a {$150000.00} loan for an investment property based on this information I would listen but I was not consenting to a hard credit inquiry OR a soft credit pull. XXXX stated that " it will not hurt you '' and I again requested not to have any type of inquiry done at this time as I was already concerned how he acquired my information. I did not provide a social security number, income, address of property, or debts. 

After telling me the rate, I responded " that seems off '' the representative hung up the phone without another word. 

On XX/XX/2019, I received a NOTICE TO HOME LOAN APPLICATION in the mail notification from Amerisave Mortgage Corporation that " in connection with your application for a home loan ''. 

I attempted to contact XXXX manager and received no return phone call. Each representative at Amerisave has continued to tell me that it " wont hurt me '' or " has no affect ''. I refused any form of pull whatsoever.

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 2019-10-02 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: GA

Complaint narrative:
A few months ago I discovered items being reported to my credit that were not my items ; after reporting them to your office, several of the items were deleted ; however, there have since been new items added to my credit that should not be on there. A police report and FTC contact has already taken place, I'm reaching out to you all again for help. Your help in deleting these items as soon as possible is greatly needed. XXXX XXXX, XXXX, US DEP ED, US DEP ED ( XXXX # XXXX ). XXXX XXXX, DPT EDXXXX, XXXX XXXX, DEPT OF EDUCATION/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: FL

Complaint narrative:
XXXX Bill that was previously disputed and removed from my credit report has appeared on my credit report again however I was never notified by the new collection agency, Enhanced Recovery Collections, and they have already placed this on my credit report. I am buying a home in 30 days and this account has already been proven as invalid. I never received any communication from them about this debt. The prior agency notified me through the USPS about the debt which is how I was even aware of the debt to begin with.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02 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: TX

Complaint narrative:
XXXX, Equifax, XXXX have reported Unverified Account on my Credit Reports. Please have all accounts Unverified Accounts removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX, XXXX, Eperian have reported Unverified Account on my Credit Reports. Please have all accounts Unverified Accounts removed : 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 2019-10-02 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I am a Bank of America customer. I had two fraud claims on my checking account. It is under my debit card number XXXX XXXX XXXX XXXX. I was given a temporary credit because this was fraud. I noticed that last week BOA debited my checking account for these fraud charges. I called last Friday, XXXX XXXX, and was very upset because when they did this, it overdrew my bank account. I was told they did this because they tried to call me to ask a couple of questions and couldn't reach me. I Never received a message from the bank. The girl asked me the questions and said they would reopen the claims and straighten this out in my account by Monday, XX/XX/XXXX. Well, they reopened claims and left my bank account in the negative status. I was livid. I had creditors coming thru for payment and BOA was bouncing my checks. I then was charged by my creditors and BOA charged me {$35.00} for that. What a slap in the face!! I am a senior citizen and my health insurance payment hit. My retirement money went into that account and BOA bounced that. I have serious health issues and will sue them if this doesn't get straightened out right away. I have called BOA everyday trying to get this matter resolved. Now they are telling me they are going to keep my account overdrawn until they finish the claims process. This is outrageous and no way to treat a long time customer who had legitimate fraud issues on her account. I told BOA this morning that I was reporting them to you and I also threatened to close all my accounts if this matter isn't resolved right away. I have been lied to, kept on hold for over an hour at a time or more, and not given any help or hope for help. Now they have put my health in jeopardy by not paying my health insurance. They are the worst.

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 2019-10-02 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax ; XXXX and XXXX  are reporting incorrectly a collection/charge-off in the amount of {$750.00} on the XXXX XXXX   partial account number XXXX. ( Please see page attached from my credit report. ) I was never billed from the apartment complex and I was never given an itemization. I gave a ( 60 ) day notice to vacate the premises per the rental agreement and prior to leaving I verbally spoke with the complex manager and was told that everything was in order and that the premises was in excellent condition. This collection is being reported in error and is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Premier Student Loan Center
State: MA

Complaint narrative:
I signed up with a Document Preparation company called Premier Student Loan Center to help lower my student loans. The first payment started around XX/XX/2018 where they charged me over {$200.00} a month for the first five months or so, then my payments lowered. Since XX/XX/2018, I have been making monthly payments to them and to my student loan lender. 

Although my payments are low/affordable, I am worried that information may have been falsified to lower my loans and the fact that they are charging me monthly isn't right either.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I had been closely monitoring my credit report and credit score for months, watching it go up. But when I was at a lender 's premises, Experian told them that my credit score was 44 points lower than what they had been telling ME for months! This ended up costing me hundreds of dollars - extremely unfair and infuriating. Apparently I'm not the only one that has had this happened to them. I went online and found many reports of the same thing happening to other consumers. Please help stop it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02 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: TX

Complaint narrative:
XXXX ; XXXX  and Transunion are reporting incorrectly a collection/charge-off in the amount of {$750.00} on the XXXX XXXX   partial account number XXXX. ( Please see page attached from my credit report. ) I was never billed from the apartment complex and I was never given an itemization. I gave a ( 60 ) day notice to vacate the premises per the rental agreement and prior to leaving I verbally spoke with the complex manager and was told that everything was in order and that the premises was in excellent condition. This collection is being reported in error and is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

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 2019-10-02 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: TX

Complaint narrative:
XXXX  ; Experian and XXXX  are reporting incorrectly a collection/charge-off in the amount of {$750.00} on the XXXX XXXX   partial account number XXXX. ( Please see page attached from my credit report. ) I was never billed from the apartment complex and I was never given an itemization. I gave a ( 60 ) day notice to vacate the premises per the rental agreement and prior to leaving I verbally spoke with the complex manager and was told that everything was in order and that the premises was in excellent condition. This collection is being reported in error and is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 )  bureaus to remove this however, I have not been successful.

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 2019-10-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I have been received several calls daily from Portfoliorecovery at my work number. They are calling repeated time during the day. Today, XX/XX/2019 the have call me 4 times. In the last 15 days from today 's date. They have called my work number 15 times. It is considered harassment and they are distracting me from my job. They already call me on my personal number 3 times daily and sending me collection letter 3 to 4 times in one week.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Credit International Corporation
State: WA

Complaint narrative:
I received a collection notice after never receiving a bill. I tried contacting the landlord and he refused to speak to me so I contacted Credit International Corporation. The person I spoke with emailed a copy of an invoice and when I tried to ask questions about never receiving any notification that there was money owed, he hung up on me. I followed the option on the letter and wrote in that we were disputing the charges and mailed it on the XXXX of XXXX within the 30 days. I received a conclusion notice back on XX/XX/XXXX stating that the debt had been verified. I tried calling and talking to someone again but the first local number listed on the paperwork was disconnected but I got through with the 800 number. I then spoke to XXXX and asked how they verified it. He would only tell me that their paralegal did it but would not explain anything beyond that. He then said that he was going to note on the account that I wasn't willing to pay it and they would take me to court. He then hung up on me again. I do not feel that I should be sent to collections over charges I wasn't aware of, especially when I still live in the same townhouse that the fees were supposedly accrued. I was never notified by my landlord in anyway that I had any outstanding balance until he sold this property to another company. After the sale, myself and at least one of my neighbors then received these collection notices. Nobody has attempted to make any kind of payment arrangements of any kind with me. They just say they are going to take me to court and hang up on me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02 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: EQUIFAX, INC.
State: NY

Complaint narrative:
On XX/XX/XXXX I tried to temporarily lift a credit freeze of my account with the Equifax by calling on the phone, which resulted in nothing but telling me that the system was unavailable, I couldn't get to any live person to talk to, only automated responses. I tried to set up an account on Equifax website, that attempt ended in the same way telling me that the system was not available. I tried to communicate through an instant messenger on their website, i talked to three persons, who steered me to call on the phone, and expressed their apologies for the inconvenience, but to no result whatsoever. Finally, a banker at XXXX XXXX   tried to help me through their computers and again it failed, come to the same answer. Next day, i called the XXXX  and I was able to lift the credit freeze within 10 minutes talking to live person on telephone. 
Unfortunately, the XXXX XXXX only deals only with Equifax. 
After this I went to the XXXX XXXX and I found multiple complaints about Equifax for similar reasons.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax ; XXXX and XXXX are reporting incorrectly a collection/charge-off in the amount of {$750.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I was never billed from the apartment complex and I was never given an itemization. I gave a ( 60 ) day notice to vacate the premises per the rental agreement and prior to leaving I verbally spoke with the complex manager and was told that everything was in order and that the premises was in excellent condition. This collection is being reported in error and is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not  been successful.

Company response to consumer: Closed with explanation