vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-29 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: DC

Complaint narrative:
XX/XX/2019 - XXXX XXXX closed account in my name. 
XX/XX/2019 - XXXX XXXX reported account was closed by consumer which is incorrect. 
XX/XX/2019 - XXXX XXXX reported a balance of {$510.00} XX/XX/2019 - XXXX XXXX reported a balance INCREASE of {$32.00} XX/XX/2019 - XXXX XXXX reported that the account was AGAIN closed by consumer XX/XX/2019 - XXXX XXXX reported that the account was delinquent. 

Letter dated XX/XX/2019 disputing the accuracy of the information reported to the three ( 3 ) credit reporting agencies ; namely the closing of the account and the continued assessment of interest payment and balance increase. The main point of disputing being that a close account can not accrue addition interest and balance increase. 
Series of email exchanges in connection to the disputed information. 

XX/XX/2019 - XXXX XXXX Reported that the account was canceled by Credit Grantor XX/XX/2019 - XXXX XXXX reported a balance increase of {$7.00} XX/XX/2019 XXXX XXXX reported the account as delinquent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-29 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: DC

Complaint narrative:
XX/XX/2019 - XXXX XXXX closed account in my name. 
XX/XX/2019 - XXXX XXXX reported account was closed by consumer which is incorrect. 
XX/XX/2019 - XXXX XXXX reported a balance of {$510.00} XX/XX/2019 - XXXX XXXX reported a balance INCREASE of {$32.00} XX/XX/2019 - XXXX XXXX reported that the account was AGAIN closed by consumer XX/XX/2019 - XXXX XXXX reported that the account was delinquent. 

Letter dated XX/XX/2019 disputing the accuracy of the information reported to the three ( 3 ) credit reporting agencies ; namely the closing of the account and the continued assessment of interest payment and balance increase. The main point of disputing being that a close account can not accrue addition interest and balance increase. 
Series of email exchanges in connection to the disputed information. 

XX/XX/2019 - XXXX XXXX Reported that the account was canceled by Credit Grantor XX/XX/2019 - XXXX XXXX reported a balance increase of {$7.00} XX/XX/2019 XXXX XXXX reported the account as delinquent.

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 2019-07-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
I applied for a modification and I was denied. Select Portfolio Servicing is also refusing to put me on a repayment plan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29 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: NY

Complaint narrative:
I was a victim of fraud and I informed my credit card company of the fraudulent charge made on my account XXXX   months ago. I then petitioned them for a full refund after said investigation providing them a copy of the police report in which the whole case is laid out. After providing them with everything they requested they refused to investigate and remove the fraudulent charges from my account. This has impacted my credit score greatly and my ability to pay my bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29 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: TX

Complaint narrative:
I pulled my credit to see what was happening as is my right. I ahve written Experian many times telling them that they are reporting inaccurately. However, they have done NOTHING to fix the problem. I write them XX/XX/19 an let them knowthey are reporting an account inaccurately and where the information came is unknown to me on collection company called XXXX XXXX - on XX/XX/19 they responded and stated their notes they updated the account and processed it in XX/XX/2019. They didnt make a single change or update to the account as referenced on page 3 of the submitted document. I have shown that a paid account is NOT A CHARGE OFF. I then disputed it again on XX/XX/19 pointing out more errors that they could not have updated or validated the account as there are THREE ( 3 ) different dates of last activity with all three main bureaus. Again I expected deletion as is my right since they are reporting inaccurately. I wrote them again on XX/XX/19 and advised them that the account was never a charge off and yet they started reporting is as such when that was never the case and for well over a year there was no reporting. They responded that they updated the account. The only change made was removing the comments section and NO LONGER REPORTING account is in dispute. See enclosed information. They have never looked into this account. They have never verified it to be accurate. This is a direct violation of my rights. On THREE seperate attempts they have ignored my letters and just gave fluff back. Never once did they follow through and get the correct information on the account. I demand deletion for the inaccuracies as well as for their PROVEN violation of the FCRA/FDCPA. I have written them a 4th time, but given their extreme neglect of my rights I dont suppose they will do any better.

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 2019-07-29 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
A few days ago, I viewed a printout of my credit record and found some errors. I believe that these items are damaging my credit file and costing me too much time and money every year.  

 

These disputed accounts were claimed to have been accurate or verified. DISPUTE REASON: "CONTRACTS WERE CANCELLED" "NO CONTRACT EXIST" These accounts are still inaccurate and need to be corrected or deleted as soon as possible; Here are the things that I want to be verified as accurate:  

Account Number:XXXX
Company: CB/VICSCRT
Status:Unpaid

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-29 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I opened a dispute on XXXX  XXXX last week. I was disputing medical bills that were still on my account that were paid off. While closing out those account, they inadvertently reported my mortgage account was closed, which left me a credit history of 1 year, 3 months as opposed to 12 years. That knocked my credit score down significantly. I would like the age of my credit history corrected.

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 2019-07-29 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I have been filling on all 3 credit reports advising that I never open an account for XXXX or Recovery Profolio ACCT# XXXX   for $XXXX the thing about it, is that they don't even have my last name mispelled right. So that goes to show that this account is not even mines. As far as XXXX Acct# XXXX for XXXX. According to these lenders the account where open from: XXXX XXXX XXXX XXXX, XXXX XXXX, Fl. XXXX and/or XXXX XXXX XXXX XXXX, XXXX XXXX, Fl. XXXX. I have sent both companies proof (As what they requested which was XXXX XXXX XXXX XXXX  receipts) that the only address I have lived in the last 42 years has  been: XXXX XXXX XXXX XXXX. XXXX, Fl. XXXX. Even with the proof I sent them, they still state that the information I have provided them is not correct But that the information they have is? HOW THE #### DO YOU FIGURE THAT, WITH PROOF THAT I SUBMITTED TO YOU, FROM  THE ELECTRICITY COMPANY???

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Lending Club Corp
State: IN

Complaint narrative:
I tried to pay the loan off in full on XXXX XXXX.  I wanted to use another bank account and when I entered the new account number that starts with a leading XXXX XXXX, I could not save it.  I dropped the leading XXXX and it saved.  I made the payment and sent a secure message to Lending Club/XXXX XXXX   telling them about the issue.  I received a response back that did not address the issue.  I have since been able to make the full payment of XXXX.  However I have now been charged a XXXX  fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I have XXXX XXXX Account that has been paid off in full, and shows up negative on my credit report. I've requested it to be remove as negative item reporting on all 3 bureaus. It is reporting as a closed account dated as a Charge Off XX/XX/2017. The Amount saying that I owe is {$400.00}. I need this to be removed from my credit immediately!

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 2019-07-29 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: MN

Complaint narrative:
I have XXXX XXXX Account that has been paid off in full, and shows up negative on my credit report. I've requested it to be remove as negative item reporting on all 3 bureaus. It is reporting as a closed account dated as a Charge Off XX/XX/2017. The Amount saying that I owe is {$400.00}. I need this to be removed from my credit immediately!

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 2019-07-29 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: NM

Complaint narrative:
I obtained a loan from XXXX XXXX dba XXXX XXXX for my 2016 XXXX XXXX. Due to the fact that I was in transition moving, and changed jobs in Colorado, they allowed me to have 2 extensions one per year. Additionally, they changed my due dates on several occasions so it would not reflect late payments on my credit report. 

I traded my vehicle in in XX/XX/2018, the dealership did not pay my loan off until 2 months later, in XX/XX/XXXX. XXXX XXXX reported me late in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX! Additionally, when my credit report was pulled back in XX/XX/XXXX, they had only 2 payments reported that were late. I disputed that information and the credit bureaus updated it with a total of 13 payments late during the duration of the loan! I requested a payment history, and it is fraudulent. There is no way I was late almost every month that I had the vehicle! I have expired all avenues trying to get this information deleted and it has in turn caused damages.

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 2019-07-29 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I've written the credit Bureau to have my bankruptcy removed

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 2019-07-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have made several attempts to have Transunion validate an account theyre reporting on my credit file from XXXX XXXX. After several failed attempts in requesting that they validate and provide copies of any documentation associated with this account, bearing my signature. I have been keeping careful records of all actions that Transunion has taken my originals letters have made it very clear that I do not consent to XXXX  or any other means of automated verification. Several letters requesting this information was delivered and received by Transunion on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX as of today XX/XX/XXXX they have failed to comply with the Fair Credit Reporting act and to my request this is my final attempt at resolving this issue before proceeding with filing a lawsuit and having a judge order Transunion to provide this information in the court of law. 

Along with this, you will find a copy of all the letters I've mentioned above I also have proof of where a Transunion employee signed and received these documents.

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 2019-07-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: LA

Complaint narrative:
Back in XXXX, i purchased a house, the lender was country wide mortgage only at closing did i found out my interest rate was 12 % adjustable note. After about a year later i got a letter informing that Select Portfolio servicing had taken over my loan. I have struggling so hard to keep my home or sale it to get the equity out of it for my senior years. I put {$50000.00} down on this house. Back in XXXX, a company identified Select as a predatory lender and got 4 years without paying any notes. In XXXX they came back with a vengerence my notes was {$1200.00} a month and every year it kept getting higher and higher. I tried to refinance during this time but they had a very negative report on my credit report so i could not get it refinance. I been during everything i could to hold on to my house. Back in XXXX they tricked me into a modification loan which almost doubled the amount of the loan. All these years none of my money went to the capital just interest. Back in XXXX a class action suit was filed against countrywide mortgage for charging XXXX XXXX higher interest rate on their homes. i am one of those people. I called them, they said that was for Florida residence, but that did not stop them for using predatory tactics with me all these years. They are once again threatening forclosure, sale date XXXX XXXX XXXX which they have changed several times on me. They offered me another modification, {$950.00} for three months after that they will set a new amount. I am on Social Security. I get {$1300.00} a month I do not want to lose my equity, so I sent in the first payment for XXXX XXXX, XXXX. They have a predatory lender from day 1 of my loan. I need help. I think i need to be compensated for all these predatory lending practices. XXXX XXXX are the private investors on this loan. After many lies from them, I finally talked with them. They said the only way to get my home is to do the modification for the next 40 years. I would be with them for al total of 60 years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29 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: DISCOVER BANK
State: NY

Complaint narrative:
I was a victim of fraud and I informed my credit card company of the fraudulent charge made on my account XXXX   months ago. I then petitioned them for a full refund after said investigation providing them a copy of the police report in which the whole case is laid out. After providing them with everything they requested they refused to investigate and remove the fraudulent charges from my account. This has impacted my XXXX XXXX greatly and my ability to pay my bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT

Complaint narrative:
Bank of America is misreporting on my credit. They have reported a Home Equity Line of Credit as a " charge off. '' This loan was paid off in full. I have supporting documentation that it was paid off. I have worked with Bank of America for three years to get this resolved and they refuse to change it. In that time I have paid more in interest on various loans because of this affecting my credit score. My local credit union ( XXXX XXXX XXXX XXXX ) requested a payoff from Bank of America on XX/XX/16. Bank of America did not respond. A second request was sent on XX/XX/16 so that XXXX   XXXX XXXX XXXX could pay it off and assume the HELOC. Rather than responding, Bank of America reported the loan as a " charge off '' on XX/XX/16. After again making contact, XXXX sent Bank of America a Cashier 's Check ( # XXXX ) in the amount of {$34000.00}. That check was dated XX/XX/16 and cleared Bank of America on XX/XX/16. I have made phone calls, submitted disputes through XXXX, hired a company to assist me in the matter, and still it remains unresolved. Bank of America is negligent in their practices and this needs to be resolved immediately. I have spent countless hours attempting to rectify their mistake.

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 2019-07-29 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
credit card # - - - XXXX was paid off in full at one time and the account was closed, on XX/XX/XXXX. The check and the payment letter were sent by certified mail with a receipt and Capital One Bank mailed me a receipt. I still have all of these documents. 
on XX/XX/XXXX, ( 3 ) Three years later, Capital One sent me a claim statement for the same balance that I paid off on XX/XX/XXXX. They immediately turned it over to collection without any notice or a hearing. Capital One Bank refused to provide any evidence of the who, what, when, where or how of any new transactions to the closed account. 
Capital One refuses to talk to me, at any of there several ph numbers. As soon as I put in my account # I am transferred to a collection agency. I tried to E-mail them and I even sent a certified letter to the CEO, XXXX. XXXX, in VA, and one to there UT office, requesting information on the transaction, all of my statements and especially a FOIA and a PAR request. They refuse to provide any information or evidence of a charge. This is an URGENT situation as I the collection agency is trying to get my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I was a victim of fraud and I informed my credit card company of the fraudulent charge made on my account 3 months ago. I then petitioned them for a full refund after said investigation providing them a copy of the police report in which the whole case is laid out. After providing them with everything they requested they refused to investigate and remove the fraudulent charges from my account. This has impacted my credit score greatly and my ability to pay my bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: TX

Complaint narrative:
I have had problems with Rushmore Mortgage, my payments keep going up - I paid the shortage amount for escrow but this was not applied, instead the payments went up by almost {$200.00}! I spoke to customer service rep, on XX/XX/XXXX, I was on the line with them for over an hour, I still do not have an answer as to why my payments are going up, I would like to have my mortgage account audited and find out why this is happening. 
Thank you for your help in advance ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EOS Holdings, Inc.
State: VA

Complaint narrative:
The account # on these accounts is Eos CCA- XXXX XXXX XXXX XXXX- # XXXX These accounts do not belong to me. I have attached my affidavit of forgery on a police report. I have also attached a copy of my id as proof of my identity. I have also contacted the FTC concerning this matter.

Company response to consumer: Closed with explanation