vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-24 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I recently had financial difficulties in which I let XXXX know ahead of time. I sent in all my paperwork but they kept telling it was wrong. Which was not the case. It seemed like they were doing this on purpose to cause me to almost go into foreclosure they even sent me documents for modification on date that was scheduled after I received the papers. They cause more of a hardship than it should have been. So I decided to go throw homesafe GA which took 30 days. 

XXXX put me in bind to ruin my credit it took 4 months for them to get everything together which is entirely unacceptable for banking standards. So they're showing late on my credit profile in error, this was merely their mistake. I did all I was supposed to do ... 
Not to mention I was misguided via one of their employees who advised me not to pay any mortgage until I see if I'm going to get approved for the hardship. 

I have attached a letter that I provide XXXX in XX/XX/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 2019-06-24 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 have several issues with Synchrony Bank, They have closed and reduced several of my cards. I have never been late on any of my cards where is would require them to close my account I have always had a good standing with them. 
They have closed the following accounts SYNCB/STEIN MART DC and reduced a {$7000.00} balance to {$2000.00} and closed ( XX/XX/XXXX ) with me owing {$1900.00} in which this account has always been in good standing. Never a late payment Opened this account up in XX/XX/XXXX. They said that closed this because I had two NSF returns in a 12 month time but told me if I didn't have auto draft set up and just didn't make the payment I would be fine. Doesn't make sense as long as I make the payment and not late. 

SYNCB/Belk closed XX/XX/XXXX never been late ... Limit was {$2000.00} reduced to {$1000.00} I paid as agreed never been late ... was open in XX/XX/XXXX SYNCB/CARE CREDIT reduced my limit from {$2500.00} to {$500.00}. I had never been late. I felt violated and closed this account myself. I opened this account XXXX XXXX closed on XX/XX/XXXX SYNCB/TJX CO DC had a {$2000.00} limit never been late they closed this account on XX/XX/XXXX This account was opened in XXXX closed by SYNCB on XX/XX/XXXX SYNCB/JCPenny closed for no reason never been late. 


All the closing and reducing limits has been injurious to my credit profile. It's totally unfair to the consumer when he upholds his end of the bargain and you have a computer generated script that controls the consumers limits and closes his/her account this should a be against the law and fair credit practices. That software should be banned or rewritten. 

I have attached what my credit report looks like for each account ... all were in good standing

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 2019-06-24 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX, XXXX andTransunion report this account as 60 Open/Late - XXXX and XXXX for two consecutive months which doesn't make any sense..Please remove the late payments reported on the accounts. I wasn't late on the month which credit bureaus report..How can an account be a charge off with balance? This is ridiculous.. Please fix the accounts and update it the correct status on

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 2019-06-24 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX, Experian andXXXX report this account as 60 Open/Late - XXXX and XXXX for two consecutive months which doesn't make any sense..Please remove the late payments reported on the accounts. I wasn't late on the month which credit bureaus report..How can an account be a charge off with balance? This is ridiculous.. Please fix the accounts and update it the correct status on

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 2019-06-24 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: FL

Complaint narrative:
XXXX XXXX XXXX, XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX, XXXX DEPARTMENT STORE.. I couldn't believe my credit report when I saw it. The accounts were paid off before it even go to collections ... .Its a bit confusing when an account is a charge off and showing a balance at the same time..Please remove this error and fix my accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 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: FL

Complaint narrative:
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX.. I couldn't believe my credit report when I saw it. The accounts were paid off before it even go to collections ... .Its a bit confusing when an account is a charge off and showing a balance at the same time..Please remove this error and fix my accounts

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 2019-06-24 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: FL

Complaint narrative:
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX.. I couldn't believe my credit report when I saw it. The accounts were paid off before it even go to collections ... .Its a bit confusing when an account is a charge off and showing a balance at the same time..Please remove this error and fix my accounts

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 2019-06-24 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: FL

Complaint narrative:
XXXX XXXX XXXX Equifax, XXXX   andXXXX  report this account as 60 Open/Late - XX/XX/XXXX and XX/XX/XXXX which doesn't make any sense..How can an account be 60 days late in just on month? Please remove the late payments reported on the accounts. I wasn't late on the month which credit bureaus report..How can an account be a charge off with balance? This is ridiculous.. Please fix the accounts and update it the correct status on

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I signed up for Amex everyday credit card after following an online promotion of {$150.00} cashback as statement credit after spending {$1000.00} in first three months. It was way back on 2016. I followed the criteria and still I didnt get any statement credit. I followed up with customer service via phone and chat. They told me that i did not clicked the link for the cash back after spending {$1000.00} in 3 months but i clicked a different link for cash back after spending {$2000.00} in 3 months. I clearly remembered that I signed up based on the first criteria because i know my spending habits. There was no reason for me to sign up for a credit card at that time other than their catchy but false promotional promise. Anyways they gave me a complaint number and never called me back to resolve the issue. I felt so much cheated that I stopped using amex. I was new at this country at that time with limited English speaking ability. Also I didnt know any other places to look for resolve. Now I know my rights and want to file a complaint against this giant company. They can deny and they might choose to not give me my cash back but i want to let them know that you lost a customer and I would tell my friends and family never to sign up for amex again. I am super happy with my XXXX   and XXXX credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 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: Navient Solutions, LLC.
State: TX

Complaint narrative:
It's not really a complaint. Just a request for explanation. 

This is regarding accurate reporting of a federal student loan. 
Navient is the servicer and the guarantor is XXXX XXXX XXXX. 

XXXX : Navient Guarantor : XXXX  XXXX Open Date : XX/XX/XXXX Repayment Start Date : XX/XX/XXXX Close Date ( paid in full via consolidation ) : XX/XX/XXXX Last Payment made ( by me ) : XX/XX/XXXX I've made zero payments in the past 7 years but Navient reported my account as current for months where I was in forbearance. There are several periods where I wasn't in forbearance and Navient reflects those as delinquencies. So my 7 year credit history is a combination of forbearance months reported as " current '' and non-forbearance months reported as delinquencies. 
My argument is that regardless of the fact that Navient REPORTED my account as current some months, I haven't made a payment in over 7 years. After the last payment I made in XX/XX/XXXX, I never came back current. I believe the purge date of this account should be based on the actual date I went delinquent and was never current again. Should the forbearance periods be included in the calculation to determine when this account should be aged from my report? Or should it be based on the last time I actually made a payment ( if Navient or myself provides this evidence to the agencies )?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 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: TX

Complaint narrative:
It's not really a complaint. Just a request for explanation. 

This is regarding accurate reporting of a federal student loan. 
XXXX is the servicer and the guarantor is XXXX XXXX XXXX. 

XXXX : XXXX XXXX : XXXX Funds Open Date : XX/XX/XXXX Repayment Start Date : XX/XX/XXXX Close Date ( paid in full via consolidation ) : XX/XX/XXXX Last Payment made ( by me ) : XX/XX/XXXX I've made zero payments in the past 7 years but XXXX reported my account as current for months where I was in forbearance. There are several periods where I wasn't in forbearance and XXXX reflects those as delinquencies. So my 7 year credit history is a combination of forbearance months reported as " current '' and non-forbearance months reported as delinquencies. 
My argument is that regardless of the fact that XXXX REPORTED my account as current some months, I haven't made a payment in over 7 years. After the last payment I made in XX/XX/XXXX, I never came back current. I believe the purge date of this account should be based on the actual date I went delinquent and was never current again. Should the forbearance periods be included in the calculation to determine when this account should be aged from my report? Or should it be based on the last time I actually made a payment ( if XXXX or myself provides this evidence to the agencies )?

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 2019-06-24 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
Pioneer Credit Recovery ( XXXX ) XXXX XXXX XXXX XXXX NY XXXX, has repeatedly contacted my landlord and my landlords daughter about my debt and has left messages on their phones as recent as XXXX, and has provided my account information about my debt to them. This is in violation of federal debt collection practices. This company is based in New York and the person leaving these messages is identified as XXXX XXXX ( if this is a real person? ). My next step is to file a complaint with the New York Attorney General 's Office. 

I dispute the amount of debt they are trying to recover and sharing my personal financial information with people other than myself is ridiculous, aggressive and a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 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:
I disputed accuracy of late payments Department of Education/ XXXX ( All 8 accounts ) on XX/XX/19. XXXX changed the dates the accounts were first reported, while XXXX  and Transunion updated the date of last activity. I received and will upload a copy of a letter from XXXX on XX/XX/XXXX stating that they would not update records as everything reported was accurate. This is willful noncompliance as you did not follow reasonable procedures to ensure accuracy, you are recklessly reporting inaccurate information, failed to investigate any errors, and caused further harm to my credit report and my credit score to decrease.

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 2019-06-24 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX andTransunion report this account as 60 Open/Late - XX/XX/XXXX and XX/XX/XXXX which doesn't make any sense..How can an account be 60 days late in just on month? Please remove the late payments reported on the accounts. I wasn't late on the month which credit bureaus report..How can an account be a charge off with balance? This is ridiculous.. Please fix the accounts and update it the correct status on

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 2019-06-24 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX, Experian andXXXX report this account as 60 Open/Late - XX/XX/XXXX and XX/XX/XXXX which doesn't make any sense..How can an account be 60 days late in just on month? Please remove the late payments reported on the accounts. I wasn't late on the month which credit bureaus report..How can an account be a charge off with balance? This is ridiculous.. Please fix the accounts and update it the correct status on

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 2019-06-24 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: FL

Complaint narrative:
I am not the owner of XXXX XXXX   XXXX ( ORIG CREDITOR : 11 XXXX  ), XXXX XXXX XXXX ( ORIG CREDITOR : 11 XXXX XXXX XXXX ), I do not owe these companies..Derogatory accusations must be Metro 2 Compliant to retain or report so delete any not physically with proof of permissible purpose from the exactly and legally identified me..I do not authorize you or anyone to report not proven compliant information and you must comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 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: FL

Complaint narrative:
I am not the owner of ENHANCED RECOVERY COMPANY ( ORIG CREDITOR : 11 XXXX ), ENHANCED RECOVERY COMPANY ( ORIG CREDITOR : 11 AT T MOBILITY ), I do not owe these companies..Derogatory accusations must be Metro 2 Compliant to retain or report so delete any not physically with proof of permissible purpose from the exactly and legally identified me..I do not authorize you or anyone to report not proven compliant information and you must comply.

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 2019-06-24 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:
I am not the owner of XXXX XXXX   COMPANY ( ORIG CREDITOR : XXXX XXXX ), XXXX XXXX  COMPANY ( ORIG CREDITOR : XXXX XXXX XXXX XXXX ), I do not owe these companies..Derogatory accusations must be Metro 2 Compliant to retain or report so delete any not physically with proof of permissible purpose from the exactly and legally identified me..I do not authorize you or anyone to report not proven compliant information and you must comply.

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 2019-06-24 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 disputed accuracy of late payments Department of Education/ XXXX ( All 8 accounts ) on XX/XX/19. XX/XX/XXXX changed the dates the accounts were first reported, while Equifax and XX/XX/XXXX updated the date of last activity. I received and will upload a copy of a letter from XXXX on XX/XX/XXXX stating that they would not update records as everything reported was accurate. This is willful noncompliance as you did not follow reasonable procedures to ensure accuracy, you are recklessly reporting inaccurate information, failed to investigate any errors, and caused further harm to my credit report and my credit score to decrease.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 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:
I disputed accuracy of late payments Department of Education/ XXXX ( All 8 accounts ) on XX/XX/19.  Experian changed the dates the accounts were first reported, while XX/XX/XXXX and XX/XX/XXXX updated the date of last activity. I received and will upload a copy of a letter from XXXX on XXXX stating that they would not update records as everything reported was accurate. This is willful noncompliance as you did not follow reasonable procedures to ensure accuracy, you are recklessly reporting inaccurate information, failed to investigate any errors, and caused further harm to my credit report and my credit score to decrease.

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 2019-06-24 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: FL

Complaint narrative:
I am not the owner of ( ORIG CREDITOR : 01 XXXX  XXXX XXXX XXXX ) I do not owe these companies..Derogatory accusations must be Metro 2 Compliant to retain or report so delete any not physically with proof of permissible purpose from the exactly and legally identified me..I do not authorize you or anyone to report not proven compliant information and you must comply.

Company response to consumer: Closed with explanation