vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-02 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
XX/XX/XXXX I paid off account full balance work synchrony bank ( care credit ) XXXX was paid off total,XXXX  was paid on XXXX .on XX/XX/XXXX, I saw a late payment inquiry and my credit score was dropped 38 points and als my 100 percent payment record was dropped to 99 percent .on XX/XX/XXXX I spoke to XXXX and XXXX after reporting to them about synchrony charging me a late payment after I paid account in full XXXX before due date. I paid XXXX that following Friday after receiving the statement. 
Account was paid for in full after opening credit card not even a month into statements. 
They claimed it was an interested fee, a fee I confirmed was not on account after paying the whole account off.

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 2019-06-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: UT

Complaint narrative:
PORTFOLIO RECOVERY has been informed of the police report. Fraud and identity theft occurred under my name. They continue to report to credit reporting agencies violating the rules under section 623 FCRA as the data furnisher is legally required to provide 100 % accurate information in order to report any data under anyone name. They haven't provided 100 % accuracy and continue to verify to the credit bureaus a debt that was involved in fraud and identity theft. 


Police report - # XXXX can be retrieved by the furnisher from the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
I'm just trying to get this account validated from LVNV funding, if I owe them that's fine just sent me some validation I've sent a total of 7 letters to both XXXX  and LVNV and I have yet to seem to get this account validated. the dates are as follows XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have all of them saved for my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03 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: CA

Complaint narrative:
XXXX XXXX XXXX ( XXXX ) is an online service that provides free credit reports, tax preparation services, and offers for credit cards and mortgage financing. Among their partners are the credit bureaus TransUnion and XXXX. My credit reports are frozen at TransUnion and XXXX, as well as at XXXX. Yet XXXX XXXX has sent me messages about my credit card payments and usage, mortgage balance, and other information that should be soundly locked inside the credit bureaus.

XXXX XXXX is not authorized by me to access my credit information. TransUnion and XXXX are not authorized by me to share my credit information. So either XXXX XXXX is obtaining the information illegally or TransUnion and XXXX are violating the credit freeze and my privacy by providing my credit activity to XXXX XXXX.

If this is being done to me, it is almost certainly being done to others, exposing my data to a third party and, potentially, to bad actors who might hack into their servers. This is a violation of consumer protections, undermines the purpose of credit freezes, and deserves immediate attention.

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 2019-06-03 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: CA

Complaint narrative:
XXXX XXXX ( XXXX ) is an online service that provides free credit reports, tax preparation services, and offers for credit cards and mortgage financing. Among their partners are the credit bureaus XXXX and Experian. 

My credit reports are frozen at XXXX and Experian, as well as at XXXX. Yet XXXX XXXX has sent me messages about my credit card payments and usage, mortgage balance, and other information that should be soundly locked inside the credit bureaus. 

XXXX XXXX is not authorized by me to access my credit information. XXXX and Experian are not authorized by me to share my credit information. So either XXXX XXXX is obtaining the information illegally or XXXX and Experian are violating the credit freeze and my privacy by providing my credit activity to XXXX XXXX. 

If this is being done to me, it is almost certainly being done to others, exposing my data to a third party and, potentially, to bad actors who might hack into their servers. This is a violation of consumer protections, undermines the purpose of credit freezes, and deserves immediate attention.

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 2019-06-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: VT

Complaint narrative:
In XXXX, XXXX I filed for a loan modification with XXXX XXXX, the manager of my mortgage at the time. XXXX is the holder of the mortgage. After I missed 3 payments in XXXX, XXXX and XXXX, my mortgage management was transferred to SPS ( Select Portfolio Servicing ). This effectively let XXXX off the hook for dealing with my loan modification request, for which all requested documents had been provided. SPS took over the management of the mortgage in XXXX, XXXX. They began a process of requesting documents over and over again, and I provided them. Due to the time involved, I reached a point in my finances when I was unable to pay my real estate taxes for XXXX. I have now provided the last of the requested documents, but am faced with a new problem. They paid my real estate taxes, and added the amount to my balance. Then they created an escrow account, with my new monthly payment amounting to {$8900.00}. My average monthly income is {$9000.00}. As you can see, the combined mortgage and real estate escrow payments would leave me without any income to pay any other bills, including food. Rather than assisting me, they have made my life more miserable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03 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: TX

Complaint narrative:
ftc was sent the tu and XXXX has failed me to do anything XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-06-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have citi bank Credit card, It clearly states : To Avoid pay interest on purchase, you should pay balance by the due date, < However I paid full and they charge interest. Now they claim they can charge residual interest from previous month. This is misleading information. Either they need to change the wording or add line. It's not just me but so many customers have suffered. It should stop.

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 2019-06-03 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: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
Late payment reported ( {$76.00} ) to my credit report that caused my credit score to decrease greatly. I made the payment and just want the late payment taken off my report. As my credit report shows it has 100 % payment history prior to this late payment. I hope BARCLAY BANK CARD can over look this one time mistake and erase the late payment. Credit card company : BARCLAY BANK Credit card : BARCLAY XXXX rewards card

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 2019-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Ditech Financial LLC
State: CA

Complaint narrative:
I had a bankruptcy several years ago - only on credit cards. I reaffirmed my home mortgage, but Ditech has never reported to the credit agencies since then that I make my mortgage payments each month for years now - which would help improve my credit score. Please help me. I need to increase my credit score. Ditech has filed bankruptcy themselves and now my mortgage is going to XXXX XXXX - XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX-XXXX, phone numbers - customer service XXXX and collections XXXX. Every time I had my bankruptcy attorney send a reaffirmation of my home mortgage - they would just say it wasnt the right paper. So now my bankruptcy attorney says he wont help anymore. Please help me - Im a single mom to a XXXX year old boy who is on the spectrum for XXXX, a XXXX XXXX, and I divorced my sons father ( my ex-husband ) because he was so abusive to myself and my son. I still cant seem to financially recover from that horrible time in my life even though I filed for divorce in XX/XX/2011.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03 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: CA

Complaint narrative:
I requested to remove inaccurate information from my credit history many times. They always responded the same template to me with only updated day/month and referred me to XXXX ( a collection agency which doesn't respond to my requests as well ). 

I requested for a description of the procedure used to determine the accuracy and completeness of the information, and I never received such description ever. 

DEFINITELY, THE DATE OF 1ST DELINQUENCY IS INCORRECT AND I ASK FOR A DESCRIPTION OF THE PROCEDURE USED TO DETERMINE THE ACCURACY AND COMPLETENESS OF THE INFORMATION BY THE CALIFORNIA LAW.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: Comerica
State: OR

Complaint narrative:
On XX/XX/2019 I checked my XXXX XXXX card and was told that fraud had happened on my card and it was locked. I was told that someone had called in and changed my address, phone number and was issued a new card. I was not informed of any of this and I was told to fax my ID and social security card in. I did this and I'm keep getting told they have not received it and it could take 48 hours to fix this problem it's been 48 hours and still locked.. I looked on my online account and the card I have does not match mine. I can't pay my rent or get my funds. My complaint is how did this happen and why was I not informed, no letter or anything.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-03 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: MO

Complaint narrative:
In XXXX I asked for the bankruptcy to be removed from my XXXX and TransUnion account XXXX   deleted this item from my record as they were unable to verify this item. I have contacted the creditor/court listed on their listing and they have revealed to me that they never verified this item with them either.

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 2019-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: LoanCare, LLC
State: CA

Complaint narrative:
I had a bankruptcy several years ago - only on credit cards. I reaffirmed my home mortgage, but XXXX has never reported to the credit agencies since then that I make my mortgage payments each month for years now - which would help improve my credit score. Please help me. I need to increase my credit score. XXXX has filed bankruptcy themselves and now my mortgage is going to LoanCare LLC - XXXX   XXXX XXXX, XXXX XXXX XXXX, CA XXXX, phone numbers - customer service XXXX and collections XXXX. Every time I had my bankruptcy attorney send a reaffirmation of my home mortgage - they would just say it wasnt the right paper. So now my bankruptcy attorney says he wont help anymore. Please help me - Im a single mom to a XXXX year old boy who is on the XXXX for XXXX, a XXXX XXXX, and I divorced my sons father ( my ex-husband ) because he was so abusive to myself and my son. I still cant seem to financially recover from that horrible time in my life even though I filed for divorce in 2011.

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 2019-06-03 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: MO

Complaint narrative:
I have been trying to submit the dispute with Experian  online but fornaome reason wouldn't allow me to. XXXX XXXX/XXXX  is included in my chapter XXXX bankruptcy this is part of my educational loan that's in 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 non-monetary relief
Consumer complaint received 2019-06-03 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:
This issue is an existing problem which credit bureaus weren't able to resolve.. Their investigation did not fix the account. They said they have verified it but did not give details on how their investigation went.. Payments were sent timely on this account and was never late..CFPB step up and fix this error XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Freedom Mortgage Company
State: WA

Complaint narrative:
I filed for a bankruptcy in XX/XX/XXXX and my mortgage with Freedom Mortgage company was discharged. The debt was not reaffirmed. Yet, in XX/XX/XXXX, they reported me 4 months late on my mortgage on my XXXX credit report. This is against the Bankruptcy discharge issued in XX/XX/XXXX. My attorney said that no payment history should be reported after the discharge date. This is the third time I have had to deal with this. They reported me late in XX/XX/XXXX as well along with late payments in XXXX, XXXX and XX/XX/XXXX ( the XXXX issues have since been corrected ). 

The last 4 of my SSN is XXXX. 

Their actions are adversely affecting me trying to reestablish my credit.

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 2019-06-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Improper use of your report — Reporting company used your report improperly
Company: KEYCORP
State: OR

Complaint narrative:
My XXXX report was improperly accessed by KeyBank on XX/XX/19, XX/XX/19, XX/XX/19, and XX/XX/19. When I inquired about this with the bank, they said there is no record of me applying for an account and therefore no inquiry. No account was ever opened, but they still made 4 inquiries, so either they fraudulently accessed the account, or fraudulently denied an account for some other factor.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03 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: MO

Complaint narrative:
In XXXX I asked for the bankruptcy to be removed from my equifax and XXXX account XXXX   deleted this item from my record as they were unable to verify this item. I have contacted the creditor/court listed on their listing and they have revealed to me that they never verified this item with them either.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03 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: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
I am a victim of identity theft and I have submitted all the proper documentation that Chase has asked me for. I have submitted police reports, updated police reports, proof of payments made on my account, the suspect sentencing notice, basically everything to prove that all the charges that I reported are fraudulent on my account wasn't authorized by me. My identity was stolen!!! I have also submitted letters from my other credit card companies that has refunded and credited my account for the fraudulent charges. I am not stopping until I get this resolved. I will not be responsible for none of the charges! I have been making payments on the account to avoid negative remarks on my credit report. After calculating everything Chase owes me {$10000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
The company is reporting that i had service with a XXXX, which i explained to them i never had the service and my identity was stolen. The amount they are harassing me for is {$190.00}. Company name is convergent outsourcing, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, WA 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 2019-06-03 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: MO

Complaint narrative:
The investigation conducted by the 3 major credit bureaus has failed to meet the requirements guaranteed by the FTC and the FCRA via consumer rights. In XX/XX/2019, I had demanded that as a consumer I be afford the Method of Verification used in the investigation of my disputed claims. I asked that the 3 credit bureaus provide me with the name and title of all persons handling this investigation. When and where did this take place, and what physical documentation used to verify these accounts. Inwhich by no means is electronic Verification proof of any sort therefore it can not be accepted as such. It is my greatest hope that you and your companies will remove these accounts immediately. Accounts are as following. 

1 ) XXXX XXXX XXXX {$680.00} 2 ) XXXX XXXX XXXX {$350.00} 3 )  XXXX XXXX XXXX {$140.00} 4 ) XXXX XXXX XXXX {$30.00} 5 )  XXXX XXXX XXXX {$140.00} 6 ) US Dept of Education {$3800.00} 7 ) XXXX XXXX XXXX 8 ) XXXX XXXX XXXX 9 ) XXXX XXXX 10 ) XXXX XXXX XXXX {$71.00} 11 ) 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 2019-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
On XX/XX/2019 I sent CMRE a letter to Validate a debt they say I owe. I sent it USPS Certified and CMRE received my letter XX/XX/2019. I gave CMRE 30 days to validate my debt, which is a reasonable amount of time to investigate my dispute. XX/XX/2019 should of been the final date to receive information on my dispute. XX/XX/2019, since I received no letter from CMRE to validate my debt ; I sent a 2nd letter to CMRE - explaining they are now in violation of the Fair Debt Collection Practices Act. Giving CMRE 15 days to remedy the situation. 
XX/XX/2019 I finally received a letter from CMRE with a letter Postmarked XX/XX/2019 ; which is still in violation FCRA and FDCPA - past the 30 day allowed by law to validate the debt. 
Today is XX/XX/2019 and CMRE is still reporting the debt they claim I owe on my credit reports.

Company response to consumer: Closed with explanation