vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-11 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:
Recently I opened a dispute with all 3 credit bureaus in particular " XXXX XXXX XXXX XXXX '' I have submitted a complainant about this company, the first complaint the company responded that I was not in there system, Second complaint I provided bill through complaint open again through CFPB. The company has NOT responded through CFPB, I emailed company on XX/XX/2019. There response was as follow " Ms. XXXX, We have located an account and forwarded your second complaint to XXXX for investigation. We will respond to the complaint in the time allotted after hearing from XXXX on the matter. '' Now on XX/XX/2019 Experian has updated this account to stay on my account and has closed my dispute how is this possible?, NEITHER Experian OR XXXX have provided documents that I have ask for showing this indeed belongs to me, I humbly ask the help of CFPB. I'm afraid that the bureaus are not investigating properly, I have provided documents showing I'am in fact an identity theft victim as well. To XXXX in my previous complaint to make it clear this is what I'm requesting from your company " This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : ''

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 2019-06-11 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Social Finance, Inc.
State: SC

Complaint narrative:
I made a regularly scheduled payment to SoFi on XX/XX/XXXX for my payment due XX/XX/2019. After a few days, I went back on to SoFi ( XX/XX/XXXX ) after that XXXX payment had cleared, and noticed that I could make a regularly scheduled payment for the payment due XX/XX/2019, so I did due to the fact I will be away and did not want to forget about it. Come to find out, they applied it as an additional payment instead of the scheduled payment that was due XX/XX/2019. I clicked the bubble that said payment due XX/XX/XXXX, and assumed as anyone would, that the payment would be going towards that XX/XX/XXXX due date. Unbeknownst to me ( no email or any other notification was sent/present ), starting this past XXXX they wont let you pay in advance, although the option was given to make the XX/XX/XXXX payment online. I dont have autopay setup, so I wasnt trying to make an additional payment, or have it take that payment plus another on XX/XX/XXXX. I spoke with the servicing department on XX/XX/XXXX, and asked them to refund the money and so far the attempt has been unsuccessful. As a borrower, it should be against the law to do this, without any notification. I have a screen shot of what the page looked like on XX/XX/XXXX ( exactly as it looked on XX/XX/XXXX ), to fully understand what Im talking about.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SYNCHRONY FINANCIAL
State: IA

Complaint narrative:
Synchrony Bank has several accounts listed on my credit report that were sold to collection agencies. Ive called and spoke with Synchrony and they informed me that I need to pay these collection agencies so they can mark the account settled. Due to the length of time that has passed, the companies these debts were sold no longer own these accounts. Since Synchrony informed me that they " do not recall debts '', it has made it impossible to rectify this issue. There are also many issues with these accounts such as original credit limits missing. Synchrony Bank has over 22,000 complaints with the CFPB with many of them pertaining to incorrect information. I think the CFPB needs to closely examine this company 's ethics when it comes to credit reporting.

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 2019-06-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: IL

Complaint narrative:
XXXX gave Rushmore Loan Management my loan to service. Even though they are a little bit better than XXXX, I dont care for this company. For about two years, they have been reporting a deferred interest payment as a balloon payment on my credit file. The deferred interest payment is {$6100.00}. They are a mortgage company, so they are aware that both are two different things. I do admit to falling behind due to medical illness since late 2017. But, I always bring my account up to date. My account has been up to date since late XXXX. But, on my XXXX file right now, they have my actual payment amount of {$1600.00} ; when my payment is {$760.00}. This is a false actual payment and should not be there. I requested a billing statement mailed to my home. They said that they sent it. But, I have not received one yet. I notified Rushmore that I won my property tax appeal. The escrow department said that I have to wait for a bill for them to modify my mortgage payment. 
I am so sick of them trying to make me and people like me pay more interest. I consider the fact that they are reporting false adverse information as discrimination. They want to keep me paying this ridiculous interest rate. But, I will be out of their clutches before the end of the summer!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: John C. Heath, Attorney at Law, PLLC
State: FL

Complaint narrative:
Hired LexingtonLaw to mediate and help fix my credit due to wanting to purchase a rent to own home as well as establish an installment auto loan. Ive had extensive good credit history being my first credit account was established at the age of XXXX. LexingtonLaw charged me XXXX and my score has decreased 80 points. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 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: NY

Complaint narrative:
To whom it may concern im am XXXX XXXX my social security number is XXXX XXXX XXXX born XX/XX/XXXX i live at XXXX XXXX XXXX XXXX XXXX XXXX n.y XXXX on my credit report theirs a XXXX account and student loans that show negitive and change off i told transunion credit reporting agencies that their fraudulent accounts. Can you please have transunion remove these accounts from my credit report. Thanks

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 2019-06-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I was shocked when I reviewed my credit report and found 60 days late payment on the dates XX/XX/2018 - XX/XX/2018. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to 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 non-monetary relief
Consumer complaint received 2019-06-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: First Commonwealth Mortgage Corp.
State: MD

Complaint narrative:
I took loan for mortgage from First Commonwealth mortgage and I got different closing process than the rest of mortgage borrowers and when I went for closing day they told me that this lender put all restrictions about the loan and repayment which is any borrowers have to repay the loan after certain grace period which is 45 days normally but for me the first payment have to be paid less than 3 weeks of closing day which will be more difficult to start paying back after all closing cost and down payment and its is really hard for us to restart payment within 3 weeks. closing lawyers they said this not normal way of closing the house but they can not change because lender set their own repayment and I got treated differently than the rest of mortgage buyers customer because of my Origin and race. 
Lender never told us what options we have for repayment and never ask or discuss with us about repayment plan everything we saw at closing day by lawyers paperwork to sign and he told us if we dont sign or closed the house that day we will lose all our down payment so they force us to sign paperwork and I got treated differently than other borrowers If you close early in the month, youll pay many more days of prepaid interest at closing but your first mortgage payment wont be due for about two months, as our scenario above illustrates. 

For example, I close on the XX/XX/XXXX, ill pay about three weeks of interest at closing, but ill have nearly two months to make my very first mortgage payment. 

In fact, because lenders typically provide a grace period to pay up until the XXXX of the month, i could actually have more than two full months before the first payment is due. 
But clearly lender did wrong by made us to restart payment after 3 weeks of closing This bad practice and we got discriminated because our origin and race.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 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: NY

Complaint narrative:
To whom it may concern im am XXXX XXXX my social security number is XXXX XXXX XXXX born XXXX XXXX XXXX i live at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on my credit report theirs a XXXX account and student loans that show negitive and change off i told XXXX credit reporting agencies that their fraudulent accounts. Can you please have XXXX   remove these accounts from my credit report. Thanks

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 2019-06-11 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: NY

Complaint narrative:
My name is XXXX XXXX my social security number is XXXX XXXX XXXX date of birth XX/XX/XXXX their a negitive account from XXXX XXXX that shows 60 days late. That account is not mine it.s a fraud account. Also theirs another account from XXXX XXXX XXXX XXXX a loan account thats not mine .can you please have Equifax removed these accounts from my credit report. And also their 12 fraud hard inquiries. And they refused to remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I was shocked when I reviewed my credit report and found 120 days late payment on the dates XX/XX/XXXX to XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to 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 2019-06-11 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: NV

Complaint narrative:
Credit bureaus failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below XXXX/XXXX XXXX   XXXX, US DEP ED 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 non-monetary relief
Consumer complaint received 2019-06-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CL Holdings LLC
State: GA

Complaint narrative:
I was shocked when I reviewed my credit report and found 120 days late payment on the dates XX/XX/2019, XX/XX/2019. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 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: NV

Complaint narrative:
Credit bureaus failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below 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 2019-06-11 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: NV

Complaint narrative:
I am in disagreement with the items listed on my credit report as having late payments ... The credit bureaus refused to reverse the late payments..Not to mention they will not give me an explanation as to why they wont overturn or fix this inaccurate claim..It has greatly affected my credit score..I would like these items be fix on my credit report immediately. 
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 2019-06-11 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: NV

Complaint narrative:
I am in disagreement with the items listed on my credit report as having late payments ... The credit bureaus refused to reverse the late payments..Not to mention they will not give me an explanation as to why they wont overturn or fix this inaccurate claim..It has greatly affected my credit score..I would like these items be fix on my credit report immediately ... 
XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: United National Services
State: GA

Complaint narrative:
I was shocked when I reviewed my credit report and found 30 days late payment on the dates XXXX XXXX XX/XX/2017. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Untimely response
Consumer complaint received 2019-06-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Nelnet, Inc.
State: GA

Complaint narrative:
I was shocked when I reviewed my credit report and found 180 days late payment. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 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: TN

Complaint narrative:
Inquiries from XXXX 2018/XXXX 2018 were proven to be fraud and needs to be removed from credit report by all credit bureaus. I have contacted both the creditors and the credit bureaus and Equifax is the only bureau that refuses to remove the fraudulent inquiries from credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AES/PHEAA
State: GA

Complaint narrative:
I was shocked when I reviewed my credit report and found 180 days late payment on the dates XX/XX/XXXX to XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 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: MS

Complaint narrative:
The following student loans were reported on my credit report.. Based on my research, all government funded loans are not allowed to be reported, this is a clear violation of the FCRA..I disputed the accounts with Experian for several attempts to no resolution..They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP US DEPT OF ED/XXXX XXXX, US DEPT OF ED/GSL/XXXX XXXX, US DEPT OF EDXXXX 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 2019-06-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: AES/PHEAA
State: GA

Complaint narrative:
I was shocked when I reviewed my credit report and found 120 days late payment on the dates XX/XX/2018 to XXXX 2018. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 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: NY

Complaint narrative:
Shows on my credit report as an account that was allegedly mine. 
Reported as a charged off account with a balance of {$700.00} and a credit usage of {$660.00}. 
If tried to dispute the account because I have never owned this account or any first premier products or services. I keep being reported negatively. I don't know what else to do as a consumer since this is the only thing that i negatively reflecting on my credit, i tried disputing it i don't have an account number, don't own a first premiere card. Basically the company wants me to assume responsibility for an account/bill i have not seen in the mail or encountered.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 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: MS

Complaint narrative:
Credit bureaus failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.. US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDUC XXXX, US DEPARTMENT OF EDUC XXXX, US DEPARTMENT OF EDUC XXXX, UNKNOWN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 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: CA

Complaint narrative:
1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2014 with a credit limit of {$7500.00} -This is not my account.

Company response to consumer: Closed with explanation