vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-28 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: VA

Complaint narrative:
XXXX sent final bill to incorrect address. Is report XXXX on my report XXXX XXXX formally XXXX XXXX switched companies did not provide me with any new contact information or payment instructions ... reporting my payments late XXXX XXXX XXXX XXXX changed credit cards from visa to MasterCard mailed my card to a old address I used bill pay to make payment with old card number not aware of a change and my cc charged off I found out when collectors called. XXXX All of the companies above are refusing to own up to communication errors and fix my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28 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: MO

Complaint narrative:
I have disputed the following accounts month after month and the 3 major bureaus investigation concluded that accounts has been verified. Verified by who, when, where. And where is the physical documentation of these findings. I'm requesting the Method Of Verification as my right via FCRA. The following accounts are ( 1 ) XXXX XXXX, ( 2 ) XXXX XXXX XXXX, {$760.00}, ( 3 ) XXXX XXXX, {$150.00}, ( 4 ) XXXX XXXX, {$56.00}, ( 5 ) XXXX XXXX XXXX, {$510.00}, ( 6 )  XXXX  XXXX XXXX, {$32.00}, ( 7 ) XXXX XXXX XXXX, {$53.00}, ( 8 ) XXXX XXXX XXXX, {$29.00}

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 2019-01-28 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: MO

Complaint narrative:
I have disputed the following accounts month after month and the 3 major bureaus investigation concluded that accounts has been verified. Verified by who, when, where. And where is the physical documentation of these findings. I'm requesting the Method Of Verification as my right via FCRA. The following accounts are ( 1 ) XXXX XXXX, ( 2 ) XXXX XXXX XXXX, {$760.00}, ( 3 ) XXXX XXXX, {$150.00}, ( 4 ) XXXX XXXX, {$56.00}, ( 5 ) XXXX XXXX XXXX, {$510.00}, ( 6 ) XXXX  XXXX XXXX, {$32.00}, ( 7 ) XXXX XXXX XXXX, {$53.00}, ( 8 ) XXXX XXXX XXXX, {$29.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-28 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: VA

Complaint narrative:
XXXX sent final bill to incorrect address. Is report XXXX on my report XXXX XXXX formally XXXX XXXX switched companies did not provide me with any new contact information or payment instructions ... reporting my payments late XXXX XXXX XXXX XXXX changed credit cards from visa to MasterCard mailed my card to a old address I used bill pay to make payment with old card number not aware of a change and my cc charged off I found out when collectors called. XXXX All of the companies above are refusing to own up to communication errors and fix my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28 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: VA

Complaint narrative:
XXXX sent final bill to incorrect address. Is report XXXX on my report XXXX XXXX formally XXXX XXXX switched companies did not provide me with any new contact information or payment instructions ... reporting my payments late XXXX XXXX XXXX XXXX changed credit cards from visa to MasterCard mailed my card to a old address I used bill pay to make payment with old card number not aware of a change and my cc charged off I found out when collectors called. XXXX All of the companies above are refusing to own up to communication errors and fix my report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I have not received communication from the account servicer, Navient, about the change in interest from this loan. 
I have noticed that every month, they have been raising the payment due for the loan without providing a notice that such a change has ocurred. 
I want them to be transparent about how they handle the payments and why that required payment keeps going up in just a matter of months. 
I assume that the interest rate of this loan is not supposed to go up this quickly. 
The rate just months ago was 8 % and suddenly without proper notice, it has been increased to 9 %

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28 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:
Equifax is not removing or blocking an account per FCRA regulations when I submitted an Identity theft report claiming I was a victim of ID theft. I'm attaching the report for your records. There is only 1 account reporting to Equifax which are fraudaulent & I'D like them removed from my report. They claim they verified the account with the company but I'm truly confused how they can verify a fraudulent account. I believe they feel they're above the law & I'd like this matter handled ASAP as it's damaging my credit & impacting my emotional & physical health.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28 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: Conn's, Inc.
State: TX

Complaint narrative:
I am disputing the Conn 's tradeline for two of my accounts. This company has re-aged this account according to the correct DOFD from the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There are addresses on my credit report that I have never lived at. The only address that should be on my credit report is XXXX XXXX XXXX. The other address are not mine and wonder how did they get there. XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX-XXXX,XXXX XXXX XXXX XXXX , GA 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 2019-01-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There are addresses on my credit report that I have never lived at. The only address that should be on my credit report is XXXX XXXX XXXX. The other address are not mine and wonder how did they get there. XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX,XXXX  XXXX XXXX  XXXX , GA 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 2019-01-28 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: GA

Complaint narrative:
There are addresses on my credit report that I have never lived at. The only address that should be on my credit report is XXXX XXXX XXXX. The other address are not mine and wonder how did they get there. XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX,XXXX  XXXX XXXX  XXXX , GA XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I contacted XXXX XXXX in XXXX and XXXX regarding fraudulent activity on my checking account. XXXX XXXX closed account in XXXX after having years of excellent payment history. In addition, I made an arrangement to pay account after not receiving any correspondence regarding who was handling my account. So, I contacted them their internal collection department and established a weekly payment plan of {$100.00} beginning XX/XX/XXXX via phone. In XX/XX/XXXX, I received a call from an outside collection agency handling my XXXX  account stating that my account has been turned over to XXXX XXXX along with confirming this information was correct with XXXX XXXX. My concern at this time is XXXX XXXX transferring the account to collections and closing my card after me letting them know what's going on with fraudulent activity on my checking account. In addition, XXXX XXXX continue to charge my checking account with {$100.00} a week and every representative is denying that the payment exists and refuse to cancel my payment or remove XXXX XXXX off my account as a card holder.

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 2019-01-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I have a loan with CAP ONE AUTO. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX  and CAP ONE AUTO with no successful resolution. XXXX, XXXX   and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX - XX/XX/XXXX / XXXX, XXXX - XXXX, XXXX - XX/XX/XXXX / XXXX, XXXX - XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28 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:
Four years now Equifax has failed to report accurate payment information from the Department of Child support services. I realize they are not involved in the case and could take into account XXXX credits but these accounts closed it paid off in addition they have been closed by the mother more than a year and a half ago. I have paid the entire balance and continue to pay three times the allotted amount of child support to the mother, I have been the current custodial parent since XX/XX/2013 And Equifaxa negligence has For the past five years caused us as a family the worst amount of emotional distress you could ever imagine and its now odviously intentional. Theyre reporting does not match up with other bureaus is far off and makes me look like one of the largest their lips thats preventing me from getting the job to provide for my current XXXX XXXX, the XXXX XXXX XXXX and the XXXX XXXX I have.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28 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: GA

Complaint narrative:
I went to a first time home buyer class with a friend and come to find out I did not qualify because of my credit. When I sat with the loan officer she begin to tell me what I need to work on. Well the things she identified is not mine and I dont know how they even got on my report. I have contacted the FTC and my police department. I'm doing this on my own behalf. Please have these accounts taken off my credit so I can buy a home for my family.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 2019-01-28 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: GA

Complaint narrative:
I went to a first time home buyer class with a friend and come to find out I did not qualify because of my credit. When I sat with the loan officer she begin to tell me what I need to work on. Well the things she identified is not mine and I dont know how they even got on my report. I have contacted the FTC and my police department. I'm doing this on my own behalf. Please have these accounts taken off my credit so I can buy a home for my family.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 2019-01-28 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: GA

Complaint narrative:
I went to a first time home buyer class with a friend and come to find out I did not qualify because of my credit. When I sat with the loan officer she begin to tell me what I need to work on. Well the things she identified is not mine and I dont know how they even got on my report. I have contacted the FTC and my police department. I'm doing this on my own behalf. Please have these accounts taken off my credit so I can buy a home for my family.XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28 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: CA

Complaint narrative:
Four years now XXXX  has failed to report accurate payment information from the Department of Child support services. I realize they are not involved in the case and could take into account XXXX credits but these accounts closed it paid off in addition they have been closed by the mother more than a year and a half ago. I have paid the entire balance and continue to pay three times the allotted amount of child support to the mother, I have been the current custodial parent since XX/XX/2013 And XXXX negligence has For the past five years caused us as a family the worst amount of emotional distress you could ever imagine and its now odviously intentional. Theyre reporting does not match up with other bureaus is far off and makes me look like one of the largest their lips thats preventing me from getting the job to provide for my current XXXX XXXX, the XXXX XXXX XXXX and the XXXX XXXX I have.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28 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: CA

Complaint narrative:
Four years now XXXX  has failed to report accurate payment information from the Department of Child support services. I realize they are not involved in the case and could take into account XXXX credits but these accounts closed it paid off in addition they have been closed by the mother more than a year and a half ago. I have paid the entire balance and continue to pay three times the allotted amount of child support to the mother, I have been the current custodial parent since XX/XX/2013 And XXXX negligence has For the past five years caused us as a family the worst amount of emotional distress you could ever imagine and its now odviously intentional. Theyre reporting does not match up with other bureaus is far off and makes me look like one of the largest their lips thats preventing me from getting the job to provide for my current XXXX XXXX, the XXXX XXXX XXXX and the XXXX XXXX I have.

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 2019-01-28 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My name is XXXX XXXX, social is XXXX and I don't know the account number to the XXXX Bank of America card that I was supposed to receive because I've never received it yet it states on my claim that I've been paid a few times since then month of XX/XX/XXXX XX/XX/XXXX three payments show on the roster of activity I don't know where these payments have been made because I don't have a card that I received therefore I don't think I have an account please send me a card with the funds that were pending and or an answer to this question that I am asking where are the funds that I was paid according to the XXXX statement thank you my phone number is XXXX XXXX XXXX thank you

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 2019-01-28 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 — Investigation took more than 30 days
Company: ID Analytics, Inc.
State: GA

Complaint narrative:
Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. You have not sent my any verification of those items in the last 30 days. I sent my request off to you on XX/XX/XXXX, XXXX you received it on XX/XX/XXXX. Your response was dated XX/XX/XXXX in which you stated you would conducted a reinvestigation of the items in dispute and send your results within 30 days from the time you recieved my dispute letter, which was XX/XX/XXXX per the certified letter. 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be deleted immediately I want all the items that were listed in my letter deleted ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ) from my credit report and all hard inquiries except for XX/XX/XXXX, deleted from my report. Also have them deleted from the three Major Credit Bureaus ( XXXX, XXXX and XXXX XXXX. This is my last attempt to solve this amicably. You will be served with litigation paperwork if this continues. Please comply with the law so we can avoid the court system.

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 2019-01-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
This complaint is related to loan modification in XX/XX/XXXX with XXXX XXXX. Due to severe hardships at that time facing foreclosure on my family primary residence, the delinquent interest {$51000.00} on the loan was negotiated and settled with the payment of {$13000.00} as full and final amount. Then a note agreement was issued by XXXX XXXX in XX/XX/XXXX detailing the new payment schedule along with the actual loan amount. There was no mention of {$51000.00} in that note agreement as it was settled with the payment of {$13000.00}. 

Please refer to attachments for proof of payment, XXXX XXXX note agreement and communication with the service provider. 

After this arrangement, the mortgage account was serviced by XXXX  XXXX from XX/XX/XXXX - XX/XX/XXXX and subsequently Select Portfolio Servicing ( SPS ) Inc. is servicing the account from XX/XX/XXXX until now. Both service providers started showing the {$51000.00} as outstanding and added the amount to loan balance which is incorrect. Neither have accounted for the {$13000.00} collected by the predecessor service provider XXXX XXXX. 

Despite my communication to both of them in writing with evidences of payments and the note agreement drawn in XX/XX/XXXX, the matter is unresolved. I want them to remove this figure XXXX pertaining to XXXX interest as it was settled with the payment of {$13000.00} per agreement between me and XXXX XXXX in XX/XX/XXXX. 

The responsible party to this dispute is Select Portfolio Servicing Inc. as XXXX XXXX is no longer handling the mortgage account. 

Thank you.

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