vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-18 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: EQUIFAX, INC.
State: IN

Complaint narrative:
This letter is to all 3 credit bureaus I notice that there is a Bankruptcy on my credit report.

I'm requesting verification of the process that was used to verify the information with the credit bureaus. What methods they use to verify the information I'm requesting that the credit bureaus all 3 provide A. The name of the Court house B. The name of the person they verified the bankruptcy C. The Address and telephone number of the courts D. The docurmentation use to verify the bankruptcy

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
This letter is to all 3 credit bureaus I notice that there is a Bankruptcy on my credit report. 

I'm requesting verification of the process that was used to verify the information with the credit bureaus. What methods they use to verify the information I'm requesting that the credit bureaus all 3 provide A. The name of the Court house B. The name of the person they verified the bankruptcy C. The Address and telephone number of the courts D. The docurmentation use to verify the bankruptcy

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 2018-07-18 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
This letter is to all 3 credit bureaus I notice that there is a Bankruptcy on my credit report. 

I'm requesting verification of the process that was used to verify the information with the credit bureaus. What methods they use to verify the information I'm requesting that the credit bureaus all 3 provide A. The name of the Court house B. The name of the person they verified the bankruptcy C. The Address and telephone number of the courts D. The docurmentation use to verify the bankruptcy

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 2018-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
IN REGARDS TO EXPERIAN XXXX. XXXX  XXXX XXXX TEXAS XXXX I HAVE SENT COUNTLESS CERTIFIED LETTERS TO RECTIFTY THIS PROBLEM OF BEING A VICTIM OF IDENTITY THEFT AND FORGERY AND FRAUD BEING COMMITTED IN MY NAME. IM TRULY UPSET BY THESE ACTIONS OF EXPERIAN AND HOW THEY HAVE NOT DONE A PROPER INVESTIGATON ON MY PERSONAL INFORMATION AND REOMOVING THIS FRAUDULENT INFORMATION THATS REPORTING 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 non-monetary relief
Consumer complaint received 2018-07-18 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:
I have been disputing a Bankruptcy on my credit report i have written to the bureau for the past 3 years i call them on the phone 2 dozen times i wrote to the Northern district Court about a Bankruptcy that both XXXX and Equifax have been reporting in Accurately on my Bureau the court sent me a letter indicating that they DID NOT AND DO NOT report to any Credit Bureaus i sent these letters to the Bureaus and they say that they have verify this as a accurate item reported by the court so I went to the Northern District court with my ID and they said to me that we don't have a BANKRUPTCY in my name they then told me that the Bureau gets this information from XXXX XXXX i contacted them by phone and in writing they have never responded by phone or mail so i sent a letter to the Bureau explaining that they show me their Method of Verification they responded that the info was verified by XXXX XXXX i asked them then why isn't XXXX XXXX showing on my credit report they said that i should contact them bottom line is they don't give a XXXX about me and my credit and how this effects my life so i have spoken with a attorney he said that i should fit a complaint with you so i am complain that these Bureaus are ignoring the Fair Credit act and have no fear of your organization the attorney general or the federal Trade commission so I am asking for your help in this matter if they have verified this then i have a right to know who they verified this information with NAME EMAIL PHONE NUMBER etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: DC

Complaint narrative:
I recieved a letter from XXXX XXXX of bayview loan Service acting as a agent for XXXX XXXX XXXX XXXX dated XX/XX/XXXX.. I responsed by phone and spoke with XXXX who informed me if I make three payment in a row and complete the HARP Loan appication and meet the aproval process any all pass due amount, fees and penities would be paid and I would have a new start. I made the three payment in a row and completed the HARP loan appication and met the aproval process. I received the aproval Loan Modification in in XX/XX/XXXX and sign the loan modification. I received a letter that said that I own three months pass due. How can I be three months pass due if the modification loan was to pay off any all pass due amounts, fees and penities.I have for the pass three years tring to resolve this matter with both Bayview Loan servicing and XXXX XXXX XXXX XXXX to no resolution.I have always believed that mistakes have been made by Bayview and they refuse to admitt these mistake until resently. I recieved a letter dated XX/XX/XXXX stating that I had been over charged XXXX .Which happen to be the amount of three past due month. I responsed by requesting copies of detail records of the account and a detail explanantion of the facts that lead to the credit balance. Also who authorize that that payment be applied to my principal balance. The pass three years have been very fustrating trying to resolve this matter with Bayview Loan servicing and XXXX XXXX XXXX XXXX. I have passed back and forward by both parties with out resolution. I have been trying to improve my credit score over the passed tens and hve been sucessful. The only derogatory item on my current credit report is the XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18 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: TX

Complaint narrative:
Experian : I have sent them documentation of police reports federal documents dark wed usage of my personal information that has been going on sense XX/XX/2006 I get inquires that I have not made on my report they remove them then put them back on with out sending me a letter of reinstatement which is a violation I REQUEST THEM TO REMOVE FOREVER THESE INQUIRES OR SHOW ACTUAL SIGNED PROOF ON EACH ONE THAT I SIGNED FOR THEM. I request that every thing be sent through the CFPB because i'm tired of the games played Also XXXX XXXX was a fraud account I complained for years I have contacted XXXX many times with no response so I dont know how you can validate this as mine XXXX XXXX is not a legal investigation I forword fax letters from myself to XXXX XXXX do have records that Experian removes inquires then puts them back on old report from them.

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 2018-07-18 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Integrated Recovery Services
State: SC

Complaint narrative:
The debt collector is calling my family members and leaving messages with my date of birth, last 4 of social, and discussing how I will owe thousands of dollars if I don't settle outside of court, which to my knowledge, there are no court cases pending against me regarding any matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Sterling Infosystems Inc.
State: CO

Complaint narrative:
There is incorrect information on this back ground check that is not mine. 

* XXXX XXXX XXXX ( XXXX ) Jurisdiction XXXX  ( XXXX ) Jurisdiction XXXX ( XXXX ) I think these belong to my father XXXX XXXX XXXX XXXX My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

What is mine is the following : Jurisdiction XXXX XXXX ( XXXX ) Jurisdiction 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 2018-07-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CMI Group, Inc.
State: GA

Complaint narrative:
I have received a collection on my credit report from Credit Management I have not received any mail allowing me to dispute the validity of this debt before they put it on my credit report. Once I have received that I will pay any debt in full once I have reviewed it.It needs to removed from my credit report until then.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-18 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Receivables Management Partners, LLC
State: MI

Complaint narrative:
The name of the company is called XXXX XXXX, their phone number is XXXX. I've asked repeatedly to STOP calling my place of work and still they harass me. Their last call was today XX/XX/2018 @ XXXX. They've called every day and several of their calls I've missed, but I've already told them 3 times that I do not appreciate them calling my employer. They NEVER leave a message, which leads me to believe that they're SCAMMING rather than trying to communicate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
On XX/XX/XXXX I gave XXXX XXXX  {$30000.00} in order to purchase CDs, in increments of XXXX, XXXX, and XXXX. XXXX XXXX is now Bank of America. The money was from the death benefit from the XXXX XXXX death of my husband. I have the original CDs and the original receipts. The money was given to the Assistant Bank Manager named XXXX XXXX. This was at their XXXX XXXX XXXX XXXX XXXX in XXXX, CT. 


On XX/XX/XXXX, I personally visited XXXX XXXX  in XXXX XXXX, CT, which is where I lived for 12 years, up until 2 weeks ago. I gave the bank manager my CDs and receipts. She stated there was no record of the CD numbers and that they did not keep records that long. She said there was nothing she could do. She told me to call the State of CT Asset Recovery and the Inactive Accounts Division of XXXX XXXX. XXXX XXXX  had no record of the CDs, nor any record of my having ever opening any account under any of my names.. XXXX ( present ), XXXX ( married name under which I purchased CDs from XXXX, or XXXX ( maiden ). I was told there was nothing they could do. The state of CT had no monies in my name waiting for 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 2018-07-18 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My husband and I took out a loan for home improvement in the early XX/XX/XXXX. I know the loan was paid way before XX/XX/XXXX. In XX/XX/XXXX I inquired to take another home equity and they said on credit report our first one was never paid. I did get a letter from Chase saying it was paid and I thought that was it. Come to find out in XX/XX/XXXX they never sent the town I live in discharge paper and note saying it was paid in full. I worked on it and Chase then sent the town saying the loan was paid in XX/XX/XXXX. So it looks like we were in default for all those years when we were not. So I asked 4 times for a letter noting the date it was paid and Chase continually sends me letters asking me to do the leg work I already did. They even told me we fell through the cracks. I just received a letter from XXXX XXXX at Chase XXXX asking for all the information all over again. I am getting a run around big time. I left a message that I was reporting this to you today. I don't know what else to do. 

Thank you XXXX and XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18 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:
My loans were in forbearance until the month of XX/XX/XXXX. In XX/XX/XXXX however I took 2 summer classes which should have put my loans in a deferment status. Navient has not reported since XX/XX/XXXX the correct status thus a 40 point drop in my credit score. When I called them they said its now in deferment as of XX/XX/XXXX and will reflect on my future report however I will not be able to get those points back. They stated the information was delayed but on their part in updating me being in school.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18 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: IL

Complaint narrative:
After sending information to verify myself with my disputes, TransUnion has violated the FCRA 30-day-to-respond to my disputes. The following items in question should be removed from my credit report. This is a serious ongoing issue with them. 

INQUIRIES XXXX XXXX XX/XX/2017 XXXX XX/XX/2017

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 2018-07-18 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:
I have been disputing a Bankruptcy on my credit report i have written to the bureau for the past 3 years i call them on the phone 2 dozen times i wrote to the XXXX district Court about a Bankruptcy that both Experian and XXXX  have been reporting in Accurately on my Bureau the court sent me a letter indicating that they DID NOT AND DO NOT report to any Credit Bureaus i sent these letters to the Bureaus and they say that they have verify this as a accurate item reported by the court so I went to the XXXX District court with my ID and they said to me that we don't have a BANKRUPTCY in my name they then told me that the Bureau gets this information from XXXX XXXX i contacted them by phone and in writing they have never responded by phone or mail so i sent a letter to the Bureau explaining that they show me their Method of Verification they responded that the info was verified by XXXX XXXX i asked them then why isn't XXXX XXXX showing on my credit report they said that i should contact them bottom line is they don't give a XXXX about me and my credit and how this effects my life so i have spoken with a attorney he said that i should fit a complaint with you so i am complain that these Bureaus are ignoring the Fair Credit act and have no fear of your organization the attorney general or the federal Trade commission so I am asking for your help in this matter if they have verified this then i have a right to know who they verified this information with NAME EMAIL PHONE NUMBER etc.

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 2018-07-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I purchased a car in XX/XX/XXXXand refinanced with another company ( Santander ) in XX/XX/XXXX. The company added XXXX on top of the loan, didn't give me a copy of the paperwork and once I paid that off most of my monthly payments go towards fees for the company and not the car. I owed roughly 12,900 and only about 1,000 per year has gone towards paying off the car. I have now had the car 6 years, 5 years with the new company and still owe XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18 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:
IN REGARDS TO EXPERIAN XXXX. XXXX XXXX XXXX TEXAS XXXX I HAVE BEEN A VICTIM OF IDENTITY THEFT AND FRAUD AND HAVE BEEN VICTMIZMED BY THESE INTERNT CRIMINALS. THEY HAVE STOLEN MY IDENTITY AND HAVE OPENED AN D APPLIED FOR ACCOUNTS I HAVE NO KNOWLEGEDE OF UNTIL NOW. I HAVE DISPUTED WITH EXPERIAN AND AKED THEM TO REMOVE MOVE THESE FRAUDULENT ACCOUNTS AND EVEN CALLED OVER THE PHONE AND SPOKE WITH A REPRSENTATIVE AND STILL HAVE NOT GOTTEN ANY RESPONSE OR RESULTS OF THE DISPUTES.

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 2018-07-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
On XX/XX/XXXX my vehicle was repossessed from my job. In XX/XX/XXXX I paid XXXX   because my fridge went out. Not their problem. I was informed I needed {$1200.00} to get my car back. I scuffled up {$900.00} and I'm grateful that they taken it however every month I auto pay my car note. If I have been carrying over a late fee of {$23.00} for ( 7 ) months {$160.00}. {$320.00} from XX/XX/XXXX plus the {$160.00} totals {$490.00}. My car note would have come out on the XXXX but they included it in the repo plus {$300.00} for towing fee. I have been devastated every since. I don't understand. I know what part I played in it but I got NO documentation about this matter. Thank XXXX some people understood that I am an XXXX and couldn't make it without my vehicle. I am including all my bank statements as proof of payments. Credit Acceptance should have better business practice. I believe I am the first person to get a repo for a partial car note and late fees. Also XXXX XXXX XXXX needs customer service classes and should consider who they are in bed with.

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 2018-07-18 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diversified Consultants, Inc.
State: PA

Complaint narrative:
This account is going from one debt collectors company to another and is damaging my credit. This is not my account, account belongs to my ex-wife and I did not authorized for this account to be open under my name. If you ask me for documentation I will provided you with a copy of the contract and you will see is not even sing by me. Last year this account was transfer to XXXX XXXX and now is with DIVERSIFIED CONSULTANTS INC, I contacted XXXX XXXX by mail and XXXX  and I have copies of those letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My loans were in forbearance until the month of XX/XX/XXXX. In XX/XX/XXXX however I took 2 summer classes which should have put my loans in a deferment status. XXXX   has not reported since XX/XX/XXXX the correct status thus a 40 point drop in my credit score. When I called them they said its now in deferment as of XX/XX/XXXX and will reflect on my future report however I will not be able to get those points back. They stated the information was delayed but on their part in updating me being in school.

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 2018-07-18 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: FL

Complaint narrative:
My loans were in forbearance until the month of XXXX. In XXXX however I took 2 summer classes which should have put my loans in a deferment status. XXXX has not reported since XXXX the correct status thus a 40 point drop in my credit score. When I called them they said its now in deferment as of XX/XX/XXXX and will reflect on my future report however I will not be able to get those points back. They stated the information was delayed but on their part in updating me being in school.

Company response to consumer: Closed with explanation