vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-14 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:
On XX/XX/2020 a mailed a formal letter to TRANSUNION requesting documentation validating ( provable documents as to the accuracy, completeness, timeliness and otherwise compliance of how account is reported ) of XXXX XXXX/XXXX Account # XXXX that is listed on my report. On XX/XX/2020 Transunion responded with a letter that investigation is complete however they failed to provide the requested documentation as mentioned above. 

On XX/XX/2020 I mailed a formal letter demanding that TRANSUNION provide validation documentation and allowing 15 additional days to review and comply. 

As of today, XX/XX/2020, TRANSUNION has yet to provide this information within the allotted initial 30 days or the additional 15 grace period. Therefore I request that TRANSUNION delete this account from my credit report immediately.

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 2020-07-14 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
American Express has closed my credit account, but every month reports that the account has been charged off. They have been reporting this as a new charge off every month which affects my credit rating. 
I have contacted them in XXXX to negotiate and discuss, but they feel justified in newly reporting a charge off every month. 
The account has been closed since 2017 and this has just began happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I have advised TransUnion on several occasions that the information being reported on my credit report is inaccurate and have provided them with proof.

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 2020-07-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Recovery Partners, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX at XXXX XXXX a XXXX XXXX driver ( XXXX XXXX LIC XXXX ExpXX/XX/XXXX ) was driving over the limit speed on XXXX XXXX hit my passenger door ( got broken ) failed to stop ( hit and Run ) and return the minutes after the crash, stated that she was driving under the influence. The rear rear mirror of her car with the impact got broken. I had called the XXXX XXXX and My Insurance to let them know what happened. I have a Liability Insurance with XXXX XXXX XXXX. My XXXX XXXX failed to follow up with the Claim ( did not pay it ) and now XXXX   XXXX  put me into collection. I feel that My XXXX XXXX  did not comply with the claim or nothing was done.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Colony Brands, Inc.
State: OR

Complaint narrative:
i order portable cd players with headphones and aa batteries they haven't shipped the merchandise yet so i filed a complaint with the XXXX   they told XXXX that the reason why they haven't shipped the items yet because they couldn't fine enough credit info when their website states buy now pay later i'm using my fresh start credit pay for those items i know about the merchandise rule about they must comply with which they aren't one part of the rule is bill me sales on approval i don't have to pay them anything until i receive the merchandise it doesn't state in the rule that they have the right to ask me for 50 % down of the order if i don't my orders i'll sue them in court

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 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: TX

Complaint narrative:
on XX/XX/2020 a formal letter was mailed to the credit bureau regarding the accuracy of information being reported for XXXX XXXX XXXX Account # XXXX. I requested immediate deletion of this account due to incorrect connotation. 

As of today XX/XX/2020, which is well past the allowed 30 days to respond, the credit bureau has failed to delete this account. Therefore I request that this account be deleted from my credit report immediately.

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 2020-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
I have advised Equifax on several occasions that the information being reported on my credit report is inaccurate and have even provided proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 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 HAVE BECOME A VICTIM OF IDENTITY THEFT. SOMEONE HAS USED MY PERSONAL INFORMATION TO OBTAIN SOME ACCOUNTS WITHOUT MY KNOWLEDGE. I HAVE NO IDEA AS TO HOW AND WHEN THIS WAS DONE. I AM ASKING THAT A RE-INVESTIGATION TAKE PLACE SO THAT THE ACCOUNTS CAN BE REMOVED OFF MY CREDIT FILE AS SOON AS POSSIBLE. PLEASE KEEP IN MIND THAT THE ACCOUNTS DOES NOT BELONG TO ME AND DOES NOT RELATE TO ANY TRANSACTIONS THAT HAVE BEEN MADE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I contacted Wells Fargo Dealer Services on Monday, XX/XX/2020 to advise the payments for XXXX & XX/XX/2020 were not reflected on my three credit bureau reports. I expressed that I am in the home buying process and I need those payments reflected. I was advised they would provide a copy of my transaction history to submit to the credit bureaus. On XX/XX/2020, I received the transaction history via email. On XX/XX/2020, I contacted XXXX  and was advised that all information must come from the creditor not from me. On that same night, I contacted WFDS and was advised to send a letter to their Credit Bureau Operations Department. 

I have the same issue with my student loan servicer, 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 2020-07-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
A installment home loan in XX/XX/2000 at a interest rate of 10.94 %. There were to be 240 monthly payments of XXXX. I have finished making all except the last one due for the amount of XXXX. I said they took to much interest and did not apply enough to the principle.Last payment was due XX/XX/XXXX. They told me this is how the interest is calculated. Just because it was an installment loan, does not change how they charge interest. I would like someone to look at this installment loan and explain what is happening and why my final payment is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX, XXXX XXXX XXXX, US DEPT ED, XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
XX/XX/XXXX, I called in and advised Capital one I was moving permanently. They promised me not to charge late fees and allowed me to skip a payment. In XXXX of this year, this city was shut down due to Corona. I called in and was advised no payment would be due and I would not be reported as late. I made the payments as agreed, they are now saying there is no record of a call. I was promised 3 late fee waivers that never were credited. Now in checking my credit report, they are reporting late payments and reduced my credit limit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX, XXXX XXXX XXXX, US DEPT ED, XXXX XXXX XXXX Company Inquiries : 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 2020-07-14 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX, XXXX XXXX XXXX, US DEPT ED, XXXX XXXX  XXXX Company Inquiries : 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 2020-07-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: LD Holdings Group, LLC
State: IL

Complaint narrative:
To Whom It May Concern : My name is XXXX XXXX and I own the property located at XXXX XXXX XXXX XXXX, XXXX, Il., XXXX. This letter is a statement explaining Loan Depot improper reporting to all 3 Credit Bureau. 

In XXXX of 2020 Loan Depot advertised on my account login a mortgage forbearance plan to assist home owners who were having difficulties due to the Coronavirus shut-down. I signed up for this plan because my tenant and I were temporarily not working due to our companies having to close. In this plan that Loan Depot offered they stated very clearly that there would be No Negative consequences for entering into this plan as long as we complied with all of the terms of the plan. I did comply with all of the plans terms and conditions. 

In early XX/XX/2020 I begin looking into refinancing my mortgage. The first thing I did was check my credit score and principle balance with loan depot. On XX/XX/2020 my outstanding Principle balance with Loan Depot was {$650000.00} as reported by all 3 Credit Bureau. On or about XX/XX/2020 I submitted preliminary inquiries/applications to refinancing my mortgage with multiple companies. On XX/XX/2020 XXXX  contacted me with an alert that my loan balance had increased and my credit score had drop 14 points. I then investigated this and learned that Loan Depot increased my remaining Principle balance due by over {$10000.00}. 

I immediately contact Loan Depot regarding this Principle increase and they told me they had the right to do so because I was on the Forbearance Plan. I reminded them that the terms of the Forbearance Plan specifically stated that there would not be any negative reporting done on my credit. I then contacted my attorney and sent him all of my supporting documents. My attorney informed me that Principle Balances can not be reported as increased due to outstanding balance on a mortgage without a court ordered foreclosure proceeding. 

This false reporting to the credit bureau is still on all 3 bureaus and Loan Depot has been unwilling to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC
State: MI

Complaint narrative:
I paid this debt off inXX/XX/2020 I wasn't even aware I had a bill until XX/XX/2020and I paid it immediately. This is negatively hitting my credit report and I am beyond upset about this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: WA

Complaint narrative:
Check # XXXX. Services misapplied funds to a totally incorrect account, violating every financial regulation. Specifically, where ( principal, interest, Escrow, etc. ) were check # XXXX funds applied, and why?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 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:
THE DIPSUTED ACCOUNTS NEED TO BE PURGED OFF MY CREDIT FILE, THOSE ACCOUNTS LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. THE ACCOUNTS ARE INACCURATELY PLACED AND I WOULD LOVE THEM TO BE REMOVED 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 2020-07-14 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 DIPSUTED ACCOUNTS NEED TO BE PURGED OFF MY CREDIT FILE, THOSE ACCOUNTS LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. THE ACCOUNTS ARE INACCURATELY PLACED AND I WOULD LOVE THEM TO BE REMOVED OFF MY CREDIT FILE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 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:
THE DIPSUTED ACCOUNTS NEED TO BE PURGED OFF MY CREDIT FILE, THOSE ACCOUNTS LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. THE ACCOUNTS ARE INACCURATELY PLACED AND I WOULD LOVE THEM TO BE REMOVED 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 2020-07-14 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: LA

Complaint narrative:
XXXX 2019, I called in and advised XXXX XXXX I was moving permanently. They promised me not to charge late fees and allowed me to skip a payment. In XXXX of this year, this city was shut down due to Corona. I called in and was advised no payment would be due and I would not be reported as late. I made the payments as agreed, they are now saying there is no record of a call. I was promised 3 late fee waivers that never were credited. Now in checking my credit report, they are reporting late payments and reduced my credit limit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Synerprise Consulting Services, Inc.
State: TX

Complaint narrative:
On XX/XX/2020 I mailed a format letter to Synerprise Consulting Services as a result of mail I received regarding the following accounts : XXXX XXXX XXXX {$680.00} XXXX XXXX XXXX. {$310.00} XXXX XXXX XXXX XXXX {$60.00} In this letter, I requested that Synerprise provide COMPLETE information ( breakdown of fees including any collection costs and medical charges ) regarding each one of these debts listed above. 

On XX/XX/2020, I received a letter in the mail from Synerprise Consulting Services dated XX/XX/2020, advising that the total amount due is owed. I did not receive complete information ( breakdown of fees including any collection costs and medical charges ) as requested in my letter from XX/XX/2020. I have given this company well over 30 days to comply and therefore I request that they cease ALL collection attempts including the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I communicated with Capital one XXXX XXXX. Then again XX/XX/XXXX. I was told I would be refunded 3 late fees. After this, this city was shut down due to Corona Virus. I again communicated this time I was told no payments are required during the shutdown. 
I made payments as I promised. Capital one now says no record exists and they will not correct the wrong information on my credit report even after I paid as I promised. 

My credit report shows late payments and a reduced credit limit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-14 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX has closed my credit account, but every month reports that the account has been charged off. They have been reporting this as a new charge off every month which affects my credit rating. 
I have contacted them in XXXX to negotiate and discuss, but they feel justified in newly reporting a charge off every month. 
The account has been closed since 2017 and this has just began happening.

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 2020-07-14 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:
THE DISPUTED ACCOUNT HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THIS ACCOUNT REMOVE OFF MY CREDIT. THE ACCOUNT IS A CLOSED ACCOUNT ANS HAS BEEN PAID FOR IN A SETTLEMENT AGREEMENT. FOR YOUR CONVENIENCE, I HAVE ATTACHED A LETTER SHOWING PROOF OF THE AGREEMENT.

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 2020-07-14 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: Navient Solutions, LLC.
State: FL

Complaint narrative:
I contacted XXXX XXXX XXXX XXXX on Monday, XX/XX/2020 to advise the payments for XXXX & XX/XX/2020 were not reflected on my three credit bureau reports. I expressed that I am in the home buying process and I need those payments reflected. I was advised they would provide a copy of my transaction history to submit to the credit bureaus. On XX/XX/2020, I received the transaction history via email. On XX/XX/2020, I contacted XXXX and was advised that all information must come from the creditor not from me. On that same night, I contacted XXXX and was advised to send a letter to their Credit Bureau Operations Department. 

I have the same issue with my student loan servicer, Navient.

Company response to consumer: Closed with explanation