vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-19 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: MA

Complaint narrative:
I post this complaint to the Consumer Financial Protection Bureau, as well as every credit reporting agency in the United States. The issue is very simple to understand. According to the trade lines posted on all of my credit bureaus, those being Experian, XXXX  and XXXX XXXX collectively, it is clear that XXXX XXXX has exceeded its legal timeline to take legal action on a very old financial issue. XXXX XXXX had an obligation to auction a vehicle not once, but twice. At no time was an accounting ever submitted as to the auctioning of a vehicle, or the upset price on two attempted sales. Secondly, there are two-years cut off on my payment history. I can assure the CFPB as well as evert credit bureau that the payment history was cut off to re-age the legitimate timeline as to how long the account may stay on my credit report. Accordingly, my payment history was late from the very first year. The late payment history actually dates back to XXXX. Under the rules of the Fair Credit Reporting Act, the 7-year rule applies and XXXX XXXX is avoiding the deletion of the trade line until XX/XX/XXXX. I believe the trade line has surpassed the legal limit and should be deleted immediately. This process of re-aging debts and maintaining a persons credit rating for a much longer period is essentially holding my credit as hostage. Therefore, I believe that this is a violation of XXXX XXXX pertaining to their subscriber agreement with each credit bureau. The trade line has surpassed the 7-year legal limit as to be posted as negative or sub-standard, and should be deleted immediately and permanently.

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 2019-12-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
The purpose of this email is to inquire about a decision that was communicated to me by the servicer of my mortgage loan. My husband and I fell upon a temporary hardship and sought the assistance of Shellpoint MTG. We were mailed information about a Modification. Our hardship was temporary however impacted our lives financially causing the mortgage to fall behind. After submitting all the necessary documents we were advised by our single point of contact : XXXX XXXX that underwriting would review and make a decision within 10-14 days. On Wednesday XX/XX/18 I received a phone call from the POC and was advised that the modification was denied. Reason : The investor ( XXXX XXXX XXXX XXXX ) does not accept Modifications. She indicated the decision was not up to shellpoint MTG but up to XXXX XXXX XXXX XXXX. In doing my research I obtained your information to contact the bank and speak to someone about the determination, only to hear a recording that indicates the investor has nothing to do with the decision to modify the loan and that the decision was up to the servicer. 
There seems to be a miscommunication or lack of understanding and I would like nothing more than to resolve this matter. Please review and assist. 

Mortgage Servicer : SHELLPOINT MTG Loan # XXXX Property Address : XXXX XXXX XXXX, XXXX NJ XXXX Point of Contact : XXXX XXXX : XXXX Mortgage : XXXX XXXX Deed : XXXX XXXX / XXXX XXXX The property is occupied by my husband & I and our kids

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19 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: MA

Complaint narrative:
I post this complaint to the Consumer Financial Protection Bureau, as well as every credit reporting agency in the United States. The issue is very simple to understand. According to the trade lines posted on all of my credit bureaus, those being XXXX, XXXX  and Trans Union collectively, it is clear that XXXX XXXX has exceeded its legal timeline to take legal action on a very old financial issue. XXXX XXXX had an obligation to auction a vehicle not once, but twice. At no time was an accounting ever submitted as to the auctioning of a vehicle, or the upset price on two attempted sales. Secondly, there are two-years cut off on my payment history. I can assure the CFPB as well as evert credit bureau that the payment history was cut off to re-age the legitimate timeline as to how long the account may stay on my credit report. Accordingly, my payment history was late from the very first year. The late payment history actually dates back to XXXX. Under the rules of the Fair Credit Reporting Act, the 7-year rule applies and XXXX XXXX is avoiding the deletion of the trade line until XX/XX/XXXX. I believe the trade line has surpassed the legal limit and should be deleted immediately. This process of re-aging debts and maintaining a persons credit rating for a much longer period is essentially holding my credit as hostage. Therefore, I believe that this is a violation of XXXX XXXX pertaining to their subscriber agreement with each credit bureau. The trade line has surpassed the 7-year legal limit as to be posted as negative or sub-standard, and should be deleted immediately and permanently.

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 2019-12-19 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: MA

Complaint narrative:
I post this complaint to the Consumer Financial Protection Bureau, as well as every credit reporting agency in the United States. The issue is very simple to understand. According to the trade lines posted on all of my credit bureaus, those being XXXX, Equifax and XXXX XXXX collectively, it is clear that XXXX XXXX has exceeded its legal timeline to take legal action on a very old financial issue. XXXX XXXX had an obligation to auction a vehicle not once, but twice. At no time was an accounting ever submitted as to the auctioning of a vehicle, or the upset price on two attempted sales. Secondly, there are two-years cut off on my payment history. I can assure the CFPB as well as evert credit bureau that the payment history was cut off to re-age the legitimate timeline as to how long the account may stay on my credit report. Accordingly, my payment history was late from the very first year. The late payment history actually dates back to XXXX. Under the rules of the Fair Credit Reporting Act, the 7-year rule applies and XXXX XXXX is avoiding the deletion of the trade line until XX/XX/XXXX. I believe the trade line has surpassed the legal limit and should be deleted immediately. This process of re-aging debts and maintaining a persons credit rating for a much longer period is essentially holding my credit as hostage. Therefore, I believe that this is a violation of XXXX XXXX pertaining to their subscriber agreement with each credit bureau. The trade line has surpassed the 7-year legal limit as to be posted as negative or sub-standard, and should be deleted immediately and permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Midland Credit Management , Inc ; is reporting a fraudulent tradeline from a credit card that I never had.

According to their records their was a dispute place on XX/XX/2019. No documents was mailed to me after the dispute. Also according to them this tradeline was paid in full before they receive the account.

The rep refuse to take my calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-19 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: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
XX/XX/19. Amsher Collections reporter a debt to XXXX  in the amount of {$850.00}. Which if inaccurate. Amsher represents XXXX XXXX . Which I had derive for 2 month and cancelled and returne my phone to them. They continue to say I owe the above amount. Which is false I have spoke to XXXX XXXX 4 times and have gotten no where which then. I have tracking of phone showing they received it etc. XXXX  is not taking this off my report after I disputed it with my evidence

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19 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:
XX/XX/19. XXXX XXXX  reporter a debt to Experian in the amount of {$850.00}. Which if inaccurate. XXXX represents XXXX XXXX  . Which I had derive for 2 month and cancelled and returne my phone to them. They continue to say I owe the above amount. Which is false I have spoke to XXXX XXXX 4 times and have gotten no where which then. I have tracking of phone showing they received it etc. experian is not taking this off my report after I disputed it with my evidence

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 2019-12-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
XXXX XXXX XXXX , XXXX ; is reporting a fraudulent tradeline from a credit card that I never had. 

According to their records their was a dispute place on XX/XX/2019. No documents was mailed to me after the dispute. Also according to them this tradeline was paid in full before they receive the account. 

The rep refuse to take my calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19 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 — Problem getting your free annual credit report
Company: LEXISNEXIS
State: NY

Complaint narrative:
I requested my Lexis Nexis full file disclosure seven separate times since XX/XX/XXXX. I went online and printed out the Lexis Nexis Full File Disclosure Form and included a copy of my NYSID with my current address and a copy of my social security card the four times I mailed the request to Lexis Nexis at their PO Box address in XXXX, GA on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Each of these times Lexis Nexis did not send me anything back regarding my full file disclosure request or furnish me with a copy of my full file disclosure. In addition to these four requests, I made 2 additional requests on the Official Lexis Nexis website and reveievd two separate letters back from Lexis Nexis dated XX/XX/XXXX and XX/XX/XXXX reapectively under Consumer Number : XXXX, Case Number : XXXX stating that no file could be found using my correct social security number, name and date of birth. This is false considering that Lexis Nexis furnished me with a full file disclosure admin requesting now in the past on XX/XX/XXXX under case number XXXX XXXX XXXX. An email was sent to XXXX per the XX/XX/XXXX and XX/XX/XXXX responses from Lexis Nexis including an additional copy of both my SAA card and unexpired NYSID with my current address on it asking for a full file disclosure OR why a full file disclosure can not be furnished to me. 

Lexis Nexis mailed me two separate letters that I received in XX/XX/XXXX stating that my consumer report could not be found using my name and social security number even though I still have a copy of a previous full file disclosure of my consumer reports dates XX/XX/XXXX under case XXXX XXXX XXXX or case XXXX which directly contradicts the fact that Lexis Nexis is alleging that I don't have any consumer reports using my sensitive personal information when in fact I do. 

An additional full file disclosure request with a copy of my social security card and my unexpired NYSID with my current address on it was overnighted to Lexis Nexis using XXXX tracking number XXXX. I have not heard back from Lexis Nexis regarding these matters. 

A compliant with the XXXX  was also filed against Lexis Nexis for failure to provide me with a full file Disclosure ( copy of all the consumer reports they hold under my name and social security number ) under XXXX XXXX Case XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I am filing this complaint to inform your agency that I am a victim of ID Theft. I have tried to fix the issues several times with each company and there is still fraudulent addresses showing on my report. My name is XXXX XXXX and i reside at XXXX XXXX XXXX XXXX ohio XXXX the following information is fraudulent and i expect that it be removed from my report. 
( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX XXXX XXXX XXXX , XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX OH XXXX I'm trying to conduct personal business and these matters are holding me up. 
I traveled from XXXX for residency on or around the summer of 2018. I recently was trying to obtain an account and checked my full credit report. At that time I saw medical accounts and other debts fraudulently billed to me and also a report from a XXXX checking account in XXXX XXXX unbeknownst to me. Someone has obtained my personal information and i'm not exactly sure when or how but i'd like to rectify this situation. Here are the account reference numbers : XXXX XXXX # XXXX, # XXXX US DEPT OF EDUCATION # 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 2019-12-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have been an American Express business platinum customer since 2010 and never had a late payment. Last month after encountering a financial difficulty due to my main client refusing to pay its {$96000.00} invoice due to me, I called Amex to ask them if they have any options for me to pay my {$2000.00} bill that I wasn't able to pay that month. They told me, no and until I know when I can pay it, they can not do anything. I wasn't expecting for them to cancel my card after only one month late. They also canceled my personal credit card, which ends up reducing my credit score from XXXX to XXXXin 30 days. That caused to have all my other creditors to reduce my credit limits and raise my interest rates. Therefore I now have no credit card available, no income coming before after the holidays. and several accounts went to collection. Which will now end up costing me a fortune in damages created by that action from Amex.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
American Express kept {$50.00} of my money ( credit balance at the time I closed my account ) and refused to resolve the problem as described in its attached response for the sole reason that they were not able to communicate with me via the use of telephone service. It appears that American Express provides substandard level of service to consumers who are not able or otherwise have difficulties communicating via telephone service.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
in early XXXX of 2019 i applied for a XXXX XXXX walmart credit card based largely on a promotion which was running. the conditions were to make a first time purchase of over XXXX $ and you would be given a XXXX $ cash reward. i satisfied my conditions of the promotion on XXXX. 


several months went by and i had not seen the XXXX $ credit so i called XXXX. i was told there was an issue with the conditions of promotion and after my explanation i was offered an apology as well as an update ; in a couple months i would observe the XXXX statement credit. 


more months passed and walmart chose to align with capitalone. i have since spent over XXXX minutes trying to resolve this with, walmart, XXXX and capitalone to no avail. XXXX  claims they no longer have access to my account information as they surrendered it to capitalone. capitalone says they do not know the terms of the promotion as it was not their own and they are unable to pay it out for the same reason. 
wal-mart told me they were aware of the problem and that i am not alone. 


people need to be held accountable for this fraudulent activity as if the shoes were reversed my credit card score would suffer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
American Express refused to provide me with the following information when I made a request to it : 1. A copy of my application for the account in question. specifically I would like to see the physical address and the MAILING address that I provided to American Express when I applied for its credit card in 2017. 

2. A copy of every statement that was ever issued on my account while I had this credit card account with American Express. 

3. The history of changes to my address I had on the account with American Express to which American Express had mailed me any materials.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Federal Credit Control, Inc.
State: FL

Complaint narrative:
Company is reporting to the credit burrow a wrong and incorrect debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
Initiated a simple {$7.00} billing dispute under reference number XXXX, an inquiry in the dispute section of the American Express website on XX/XX/2019, shows the dispute as closed. However, a letter from American Express dated XX/XX/2019, states they need a signed copy of the original transaction. A little confusing since this was an online transaction. In the original dispute, I noted that the website XXXX claims that service is {$12.00} monthly with XXXX streaming included. I noted that Mastercard ending in XXXX was billed on XX/XX/2019 for {$12.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: UT

Complaint narrative:
I closed escrow on my home on XX/XX/2019. Prior to the close of escrow Lakeview Loan Service disbursed payment for flood insurance on XX/XX/2019 in the amount of {$380.00} to XXXX XXXX XXXX XXXX of Florida. According to XXXX XXXX they show no receipt of payment. Lakeview sent an email to me onXX/XX/2019 stating disbursement had been made from my escrow account. I did receive a refund of overpayment to the escrow account, but that did not include the money sent to the flood company. I received notification from XXXX XXXX XXXX the policy was cancelled on XX/XX/2019. I have been calling Lakeview Loan Service to no avail. They just keep telling me they are researching what happened to the money. I began calling on XX/XX/2019 when it was apparent, I was not being refunded my flood insurance payment. So far, I have called on XX/XX/19, XX/XX/19, XX/XX/19, XX/XX/19, XX/XX/19, XX/XX/19, XX/XX/19. I always get a run around of it's being investigated and will be disbursed soon. I have tried to speak to a supervisor, but there is never one available. I have also called XXXX XXXX on XX/XX/19 and XX/XX/19. They told me someone from Lakeview called on XX/XX/19, but they need to have proof of disbursement and front and back of the cashed check. No one at Lakeview can seem to provide that document. I have not received a satisfactory answer of what has happened to the insurance payment or if it will ever be refunded.

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