vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-26 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: AZ

Complaint narrative:
Experian and XXXX XXXX are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong 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 2018-04-26 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
I filed compliant on XX/XX/2018 because I was told upon getting my mortgage that XXXX XXXX XXXX XXXX would be paid for through my escrow. The company responded that they apologized if there was a miscommunication but XXXX XXXX was not included in my escrow but Mr. Cooper would make a one time payment to resolve the issue of the foreclosure lawsuit by XXXX XXXX for lack of payment. I received notice via a letter from Nationstar/Mr. Cooper XX/XX/2018 that the issue was resolved and {$1900.00} was paid to XXXX XXXX. After that I received notice that the case was still set for trial on XX/XX/2018. I called Mr. Coopers respresentive XXXX XXXX on XX/XX/2018 and she informed me that Mr. Cooper would pay the balance that was left over because they had only made a partial payment on XX/XX/2018. She said she would forward the request to the appropriate department. I have called and left several messages for XXXX XXXX. As well as emailed the legal documents per another representatives request ( XXXX XXXX ). Mr. Cooper has not responded to my phone calls or emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX was a victim of identity theft, medical bills were placed into collection in his name. The debt involves XXXX XXXX. XXXX XXXX XXXX XXXX rights as a consumer are in direct violation of the Fair Credit Reporting Act because in XXXX and XXXX these collection items on his credit report were disputed and removed. Now the same debt is re appearing from a different collection agency. Being XXXX XXXX, 19 items are currently in dispute now, within the 30 day time frame for investigation. This is considered " outdated, negative information '' as it's been addressed previously and led to an extended 7 year fraud alert on his credit report. This is illegal, and unethical. The credit bureaus should be held accountable for these violations and illegal reporting practices. Both XXXX and Experian have been notified to send a copy of a current credit report with the initial dispute process in writing, this has not been done at this time. Disputes were initiated on XX/XX/XXXX 2018

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 2018-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: General Motors Financial Company, Inc.
State: IA

Complaint narrative:
My wife and I paid off our loan with XXXX XXXX in XX/XX/XXXX they have not reported since XX/XX/XXXX and they have not showed the pay off of the vehicle it is now the end of XX/XX/XXXX I have contacted them three times last 60 days they give me the runaround and said they are having computer problems since XXXX it was a {$31000.00} loan that was paid off on time and I had a schedule but with them not reporting anything It looks like I still all that money

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-26 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: Professional Collection Service Inc (GA)
State: AL

Complaint narrative:
I went into XXXX XXXX XXXX Ga to rent a apartment. We was not able to see the apartment before we put the first months rent and deposit down. We was told it was not ready but if we didn't pay our deposit and first month rent that it would be rented to someone else cause there is a wait list. Just looking at the area Thinking it was a nice area, I thought I needed to do what I was told or I would lose the apartment. After I moved into a apartment complex that I was told was a wonderful country living and quiet atmosphere the problems began. There was drug deals going on at the bottom of my apartment and all thru the neighbor hood. people would smoke pot all in the walk ways. We complained but was told there was nothing they could do to call the police. we put cameras on our patio facing the parking lot where our trucks had been vandalized and scratched up. One vehicle from neighbor was actually stolen. then people would shine lasers at our cameras to try and destroy them. WE paid {$770.00} a month rent with a {$300.00} security deposit and a {$450.00} total pet deposit. we paid on time every month despite the horrible and most times scary conditions we had to live in. Then the XXXX started I have been hospitalized from XXXX XXXX XXXX XXXX and the vents were very old and full of dust thru the vents. We asked if maintenance could come by and clean the vents and check the duck works. When they came the outside was just wiped down nothing was fixed they went in the apartment when we was not there and when we returned we popped the vent cover off and it was just thick with black stuff and dust. toward the last few months it had rained a lot and the ceiling was leaking and had water stains thru the ceiling and I'm sure mold in there also as I was on 3 different XXXX XXXX at this point. We called the office who sent maintenance who we figured out had just spray painted the water stains on the ceiling with white paint cause everything just bleed right back thru. we made it up until the last month and I just could not breath in that apartment or live there any more. The only damage that happen was Two spots in the carpet from my dog that I really didn't want to have in a apartment but felt needed some kind of protection so had to have. Anything else was from there lack of them actually fixing any other issues. I have let this go and have this ding on my credit now cause I was rented a apartment under false pretense and could not physically stay in that apartment any longer. I was recently given this website to try and rectify the situation and hopefully it does not happen to anyone else. But I refused to be blackmailed after everything I had to go thru at this complex

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Bankruptcy file date is wrong. Should be XX/XX/2010 Never had this address : XXXX XXXX XXXX XXXX, MD 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 2018-04-26 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: MN

Complaint narrative:
On XX/XX/XXXX, I submitted disputes to Equifax, XXXX and XXXX   regarding inaccurate negative information in my credit reports.These companies chose to disregard the fact that I am not responsible for these negative assessments, despite the fact I included copies of my divorce decree from XX/XX/XXXX that specifies clearly my ex-husband alone is responsible. The negative information relates to XXXX XXXX bank, formerly known as XXXX XXXX XXXX ( XXXX XXXX XXXX  ) {$8000.00} and XXXX with a balance of {$20000.00}. Under the terms of the marriage dissolution, XXXX XXXX alone is responsible for the obligations. He has defaulted and this has negatively and unfairly been applied to my credit history. Furthermore, I have nothing to do with XXXX XXXX 's XXXX XXXX account, yet, this is also in my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX was a victim of identity theft, medical bills were placed into collection in his name. The debt involves XXXX XXXX. XXXX XXXX XXXX XXXX rights as a consumer are in direct violation of the Fair Credit Reporting Act because in XXXX and XXXX these collection items on his credit report were disputed and removed. Now the same debt is re appearing from a different collection agency. Being XXXX XXXX, 19 items are currently in dispute now, within the 30 day time frame for investigation. This is considered " outdated, negative information '' as it's been addressed previously and led to an extended 7 year fraud alert on his credit report. This is illegal, and unethical. The credit bureaus should be held accountable for these violations and illegal reporting practices. Both transunion and XXXX have been notified to send a copy of a current credit report with the initial dispute process in writing, this has not been done at this time. Disputes were initiated on XX/XX/XXXX 2018

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 2018-04-26 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: TX

Complaint narrative:
Equifax is still showing a Debt Collection that is no longer open and has been requested for a deletion by XXXX XXXX XXXX. This was requested on XX/XX/2017 but has yet to be removed from Equifax credit report. This is a direct violation of Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Per XXXX XXXX XXXX response to compliant ID XXXX " We have followed our dispute policy and haven't had any further communication with the consumer. No future follow up is planned. Our dispute policy is once we have received a dispute we immediately stop all collection efforts and send a record of dispute to all three credit reporting agencies. Then we request validation of the debt from our client and once that is received we forward that on to the consumer for review. If validation is unobtainable then we immediately send a record for deletion to all three credit reporting agencies and then close and return the account to our client. Additionally, in this instance a record for deletion has been sent to all three credit reporting agencies. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 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: MN

Complaint narrative:
On XX/XX/XXXX, I submitted disputes to XXXX, XXXX and Transunion regarding inaccurate negative information in my credit reports.These companies chose to disregard the fact that I am not responsible for these negative assessments, despite the fact I included copies of my divorce decree from XX/XX/XXXX that specifies clearly my ex-husband alone is responsible. The negative information relates to XXXX XXXX bank, formerly known as XXXX XXXX XXXX ( XXXX XXXX XXXX  ) {$8000.00} and XXXX with a balance of {$20000.00}. Under the terms of the marriage dissolution, XXXX XXXX alone is responsible for the obligations. He has defaulted and this has negatively and unfairly been applied to my credit history. Furthermore, I have nothing to do with XXXX XXXX 's XXXX XXXX account, yet, this is also in my credit history.

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 2018-04-26 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: MN

Complaint narrative:
On XX/XX/XXXX, I submitted disputes to XXXX, Experian and XXXX   regarding inaccurate negative information in my credit reports.These companies chose to disregard the fact that I am not responsible for these negative assessments, despite the fact I included copies of my divorce decree from XX/XX/XXXX that specifies clearly my ex-husband alone is responsible. The negative information relates to XXXX XXXX bank, formerly known as XXXX XXXX XXXX ( XXXX XXXX XXXX ) {$8000.00} and XXXX with a balance of {$20000.00}. Under the terms of the marriage dissolution, XXXX XXXX alone is responsible for the obligations. He has defaulted and this has negatively and unfairly been applied to my credit history. Furthermore, I have nothing to do with XXXX XXXX 's XXXX XXXX account, yet, this is also in my credit history.

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 2018-04-26 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: AZ

Complaint narrative:
XXXX and Trans Union are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong 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 2018-04-26 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: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX student loans used to appear on my credit report. I called and emailed and asked for proof of the loan. I received correspondence that stated there was no original loan proof and the debt was removed from my credit report. About a years time went by and just last year XXXX XXXX XXXX XXXX appeared on my credit report stating I owe {$69000.00}. I have requested proof source and have not received anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I recently pulled my credit report from XXXX, XXXX & XXXX. On all three reports, Synchrony incorrectly reported balance and charge off amounts. This account is over 6 years since charge off. This is an old account. 
Partial Acct # XXXX There are incorrect balances, dates, and closed date showing. I immediately disputed this information with XXXX, XXXX & XXXX and the results of the investigation came back as verified by your organization. 
According to the Fair Credit Reporting Act ( FCRA ), as the information furnisher, you are required to notify me of the insertion of negative listings. 
Since I have disputed the error ( s ) with the credit bureaus, and you obviously verified them, I was curious as to what kinds of records you may have for this alleged account. 
Under the FCRA, you are required to conduct an investigation on this account if I request it and provide the original loan application with my signature, original executed notes, history of payments, and any other documentation you may have verifying the legitimacy and accuracy of your verification and reporting of the account as stated above. I submitted my written request to you to conduct an investigation and provide me with the original documentation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request, but you failed to respond within this time period, per the FCRA, you must remove this negative information from all three credit repositories or face litigation with punitive damages of {$1000.00} per error and I fully intend to utilize litigation if needed to resolve this.

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 2018-04-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
I HAD A COURT CASE IN XXXX XXXX IN XX/XX/2016 ME AND MY WIFE WERE THE DEFENDANTS, WE MADE ARRANGEMENTS TO MAKE MONTHLY PAYMENTS OF {$350.00} A MONTH, THE JUDGMENT WAS PAID USING MONTHLY PAYMENTS OF {$350.00}. THE BUSINESS WHICH TOOK US TO COURT HAS OBTAINED A JUDGMENT OF {$800.00} AGAINST US BUT WE WERE NEVER NOTIFIED, NEVER AS IN NEVER, NO LETTERS, NO PHONE CALLS NOT EVEN COURT SERVICE FOR COURT PAPERS WERE NEVER EVER DELIVERED OR SENT TO US, WE ARE GOING TO REQUEST A MOTION TO QUASH FROM THE COURT. THIS BUSINESS HAS NOT ATTEMPTED TO CONTACT US AT ALL TO COLLECT THE ALLEGED DEBT WHICH WAS PAID OFF AND WE BECAUSE WE HAVE BANK STATEMENTS PROVING PAYMENTS WITH CASHIER 'S CHECKS THROUGH XXXX XXXX  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Wal-Mart will not give me a settlement until my balance with them is {$300.00}, which is crazy because I don't want to build up that balance. I have a {$220.00} balance that I want to dispose of, but I can't settle with them until I have a {$300.00} balance. That's nonsense on their part, to let the balance and late fees accrue to this amount when I want to get rid of the card!! 
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 2018-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Bankruptcy file date is wrong. Should be XX/XX/2010 Never had this address : XXXX XXXX XXXX XXXX, MD XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 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: TX

Complaint narrative:
Equifax is still reporting a Debt Collection that is no longer open and has been requested for a deletion by XXXX XXXX XXXX, XXXX. This was requested on or aroundXX/XX/XXXX. This is a direct violation of the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). As follows is a copy of information received from XXXX XXXX XXXX, XXXX following compliant ID # XXXX. 
This office acknowledges receipt of the complaint you have filed with the Consumer Financial Protection Bureau. The account in question was referred to our office for collection in XX/XX/XXXX. As you had requested, verification of the obligation was mailed to your home address in Texas on XX/XX/XXXX. In light of your dispute of the underlying obligation, we have closed this file and returned it to our client. As such, you will not receive any further communication from our office concerning this matter. Additionally, we have instructed the credit reporting agencies to delete any update we may have placed on your credit profile. Please feel free to contact me directly if I can be of further assistance. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Managing Member/General Counsel XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 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: Equitable Acceptance Corp
State: NC

Complaint narrative:
The student loan representative promised that for fee of XXXX a month my loan payment would be reduced and no interest for three years would be charged to my account. In addition the consolidation was at 5.5 % which I assumed would start XX/XX/XXXX. My loan was given to XXXX and the student loan representative reported that he was with the student loan company ; NOT ; XXXX XXXX and they indicated they dont use third party companies to get there loans consolidated. Soon afterwards, I received a bill from XXXX for XXXX a month and bill from Equitable Acceptance for XXXX and XXXX a month in XXXX of XXXX. I checked today XX/XX/XXXX and after making 5 payments to equitable Acceptance Corporation they are listing the account as not current. The account is showing and listed as a CREDIT CARD on my credit report and NOW showing that I am LATE. I never applied for a credit card with this scam company!!! The representative stated today ; that a payment in XXXX was not received and they JUST posted that the account is late this month but the first payment in XXXX wasn't received ; and NOW I owe them {$150.00} in late fees and plus the monthly FEE. How is this company still in business with ALL of the negative business practices that they are currently doing. Who can I contact for legal advice ; I was in the process of buying a house and now my credit score just dropped 30 points today XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation