vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-05 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: AR

Complaint narrative:
After two courts in Arkansas closed the lawsuit brought against me by XXXX  XXXX, the last one being an adjudication in my favor because of Arkansas court procedures rule 41, I requested the three major credit bureaus to correct my file. This has still not been done and the fallacious claim against me is still in my files.

Please note that there is an item for collection from XXXX XXXX-XXXX/XXXX  for {$1600.00}. I inquired XXXX about the origin and specifics of the amount and they could not provide any reasonable information of how they arrived at the amount, nor would they give me any logical accounting, history, or progression of alleged amount owed.

XXXX since has filed two law suits against me. The first one was dismissed and closed in XXXX per order of the XXXX XXXX District Court ( XXXX XXXX, Arkansas ) and the final one was dismissed and closed in XXXX  by the XXXX County Circuit Court ( XXXX  County, Arkansas ). The second dismissal was from a voluntarily dismissal from XXXX attorneys a few days after I responded to their suit. Under Arkansas law ( Rule 41 ), any voluntary dismissal operates as an adjudication [ regardless of the wording on the dismissal ] on the merits [ of the defendant ] when filed by a plaintiff [ XXXX ] who has once dismissed in any court of the United States or of any state an action based upon or including the same claim '' [ and it can not be refiled ]. Therefore, by law, there is no longer any basis for any claim that XXXX  may have against me. The case has been adjudicated and closed by the XXXX   County ( Arkansas ) Circuit Court, ruling in my favor. According to the State of Arkansas, there is no longer any basis of claim. This ruling has been upheld in another case by the United States Court of Appeals, XXXX District in XXXX ( XXXX XXXX XXXX XXXX., XXXX. vs. XXXX  XXXX, XXXX  ). XXXX claim should be stricken from all credit bureau records, as it has been from the Courts records. The complete documents can be viewed at : XXXX I am requesting the removal of both XXXX-XXXX, XXXX.XXXX./XXXX  XXXX   and the XXXX, XXXX.XXXX./XXXX XXXX   alone ( since it is the same claim ), as this fallacious claim is damaging to my credit and reputation and the three credit bureaus are partially responsible for the damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 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: AR

Complaint narrative:
After two courts in Arkansas closed the lawsuit brought against me by XXXX XXXX, the last one being an adjudication in my favor because of Arkansas court procedures rule 41, I requested the three major credit bureaus to correct my file. This has still not been done  and the fallacious claim against me is still in my files. 
Please note that there is an item for collection from XXXX XXXX for {$1600.00}. I inquired XXXX about the origin and specifics of the amount and they could not provide any reasonable information of how they arrived at the amount, nor would they give me any logical accounting, history, or progression of alleged amount owed. 
XXXX since has filed two law suits against me. The first one was dismissed and closed in XXXX per order of the XXXX XXXX District Court ( XXXX XXXX, Arkansas ) and the final one was dismissed and closed in XXXX by the XXXX County Circuit Court ( XXXX XXXX, Arkansas ). The second dismissal was from a voluntarily dismissal from XXXX attorneys a few days after I responded to their suit. Under Arkansas law ( Rule 41 ), any voluntary dismissal operates as an adjudication [ regardless of the wording on the dismissal ] on the merits [ of the defendant ] when filed by a plaintiff [ XXXX ] who has once dismissed in any court of the United States or of any state an action based upon or including the same claim '' [ and it can not be refiled ]. Therefore, by law, there is no longer any basis for any claim that XXXX may have against me. The case has been adjudicated and closed by the XXXX County ( Arkansas ) Circuit Court, ruling in my favor. According to the State of Arkansas, there is no longer any basis of claim. This ruling has been upheld in another case by the United States Court of Appeals, XXXX District in XXXX ( XXXX XXXX XXXX XXXX, XXXX. vs. XXXX XXXX, XXXX ). XXXX claim should be stricken from all credit bureau records, as it has been from the Courts records. The complete documents can be viewed at : XXXX I am requesting the removal of both XXXX, XXXX.XXXX./XXXX XXXX and the XXXX, XXXX XXXX  alone ( since it is the same claim ), as this fallacious claim is damaging to my credit and reputation and the three credit bureaus are partially responsible for the 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 non-monetary relief
Consumer complaint received 2019-08-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nationwide Recovery Systems, Ltd
State: CA

Complaint narrative:
This company has committed actual and constructed fraud by charging me for services/office space that I never agreed to nor took possession.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I received an updated credit score through XXXX XXXX, which showed that my Transunion score had dropped 68 points. My score went from a XXXX to a XXXX the day after my bank reported our home refinance. I called the company to ask if that is a normal drop for a home refinance, since that big a drop seems like it would be a deterrent. I called the XXXX number provided by TransUnion on their website. I pressed zero to speak to a customer service representative. I explained my problem and they told me that my score is calculated by a formula that is automatic based on the information in my records. I asked if a 60 point drop is normal as that didn't sound right. I was told the same information, that my score is calculated by a formula that is automatic based on the information in my records. I asked if I could speak to someone who knew the formula and if that sum ( 60 points ) seemed correct. I was then told that nobody knows how it's calculated, it's automatic. I've worked hard to build my credit back up and this drop is disturbing and unnerving. The fact that nobody knows how this is calculated makes me feel like this is an arbitrary number that many important financial decisions are based on. I would like to know the formula, or know that the calculations are correct, and also the standard drop for a refinance. If this information is in error, it is detrimental and slanderous to my financial reputation. 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 explanation
Consumer complaint received 2019-08-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
Comenity Bank/XXXX- This account was brought to current status and payment arrangements made, yet the company is still reporting it as past due on my credit reports even after contacting the company and addressing the problem. The rep collected money from me telling me my accounts were still active, only to find out later on that my accounts were actually charged off the day before. I brought the account to current, and have been paying monthly on time, yet they continue to report to the credit bureaus that I am past due. I had TWO other accounts with them that I had the same problem with and they were rectified through this platform.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: TX

Complaint narrative:
I suffered damage to my home in XXXX of 2019 due to a major flood in the XXXX XXXX XXXX of XXXX, TX XXXX. A check was provided to me on or about XX/XX/2019 by XXXX XXXX XXXX. The check was endorsed and sent to LoanCare within 48 hours of the receipt. XXXX responded with a request for documents. Requesting the following : LoanCare Claim Tracking XXXX Loan # XXXX Adjusters Worksheet Waiver of Lein Contractors License Signed Contract W-9 from Contractor All was provided by overnight XXXX. Several days later I called to confirm they had received the information. They said they had but needed the Waiver of Lien on their letterhead. This was provided on or about XX/XX/2019. Checking back several days later they said that the information was not sufficient because the Contractor did not have a Contractor 's License #. This is not available in the State of Texas since Katrina and Ike. Several days later they came back asking for a Surety Bond. I have been unable to locate one that is for a private residence that is not being reconditioned with public monies. I have attempted several times to get the name of anyone in " upper management '' that is referred to by the various call centers I have been routed to. I have requested a phone number to the corporate headquarters on several occasions including today, XX/XX/2019. I had discussions in the last three weeks and was supposed to have been contacted by " upper management '' on XX/XX/2019. As of today I have not been contacted by anyone in LoanCare XX/XX/2019. I talked to three different call centers today. The second call center indicated he would be transferring me to " upper management '' but instead transferred me to another low level call center. This call center would not give me any information about upper management either, but said a Supervisor would be calling within 24 - 48 hours. This is the third time I have been told a supervisor would call. I have not missed any payments to this company, who by the way purchased my loan without my knowledge, and I feel they are being unreasonable in holding the money for the repairs to my home unnecessarily long. The amount of the check exceeds the amount I owe on the home by nearly {$30000.00}. Their liability is far less. In looking at this company on line it appears they are continually indulging in what appears to be fraudulent practices. I need the names and address and phone numbers for the principals of LoanCare so further dialog can be made. Their delay is beginning to impact my abilities to maintain any type of lifestyle. It is difficult to maintain two house payments, the one they hold the mortgage on and other living expenses.

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 2019-08-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
XX/XX/2016 I paid with a Care Credit card for dental services plus dentures at XXXX XXXX XXXX amounting to {$1000.00}. 

The denture amount is what I am disputing was {$400.00} of the balance. 

Fyi..I paid the balance off to {$0.00} a couple of years ago. 

I was hurt by this dentist after procedures ( which I reported to my dental insurance company ) and returned later the same week for excruciating pain that the dentist blew off stating to deal with it, it will go away & gave me narcotics. 

Thus, I did not want to return for any additional work but I DID request my dentures " several '' times to take home that they would not release, nor give to me unless I let them do it, which I was not comfortable doing. 

So they refused to give them to me and kept them, sold them, gave away, stolen, I dont know being XXXX XXXX would not give them to me when I requested them. 

So I disputed the charge with Carecredit, with the above info, who in turn sided with provider stating services were rendered REGARDLESS to whether I received them and it was NOT their problem I did not & take it back up with the provider. Wow!! 

I was informed Carecredit did not ask, request documents, nor receipts, or my signature to show from merchant that I ever received the dentures and was told they would not request them based on their agreement with you. So I am XXXX outta luck was pretty much said by their dispute rep. 

This is so wrong on many levels. I feel if you pay for merchandise whether they fit or not they were mine! And I should have receive what was agreed upon, that I paid for upfront, of which I still have not received, or a credit should be given back to me of {$400.00}.

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 2019-08-05 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: MI

Complaint narrative:
I have been making payments to XXXX XXXX XXXX for about 2 and half years now and the majority of them have been paid online. I paid my XXXX mortgage payment on XX/XX/19 which was a Sunday at XXXX. XXXX XX/XX/XXXX changed the way they process payments on the weekend, did not notify me of the change, and applied my payment as of XX/XX/19 and put a 30 day late on my credit report. I paid on XX/XX/XXXX not XX/XX/XXXX. I was not 30 days late. I provided proof showing the screen print of my payment along with their email confirmation of receipt of payment dated Sunday, XX/XX/2019 XXXX XX/XX/XXXX. XXXX XXXX refuses to take the 30 day late off my credit report.  I've called them numerous times speaking to various people. More than one of their reps agreed that they recently changed the way they process payments. They now apply weekend payments the following business day and will put a 30 day late on your credit report even though you were not 30 days late. Again, they failed to notify me of this change in apply weekend payments the following business day and the fact still remains that I paid on XX/XX/XXXX not XX/XX/XXXX. My last call to XXXX XX/XX/XXXX XX/XX/XXXX was with their Customer XXXX on XX/XX/19 at XXXX. He stated they've done this to thousands of people and put the 30 days late on their credit reports too. I first notified XXXX Mortgage of their error on XX/XX/19 via email to XXXX. I received no response. I sent a second request for them to correct their error on XX/XX/19. No response to my either email. I was verbally told they would have a decision by XX/XX/19. It seriously does not take two weeks to look at this information. I called XX/XX/19 and was told they declined to remove the 30 day late and was advised to file a dispute with the 3 credit bureaus so that department can review the complaint and decide what to do. They are clearly violating the Fair Credit Reporting Act when I paid them on XX/XX/19 not XX/XX/19. Here are the dates & times of my calls to XXXX XXXX XXXX  trying to get them to review the proof of payment emailed to them and to remove the 30 day late from my credit report : XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019XXXXXX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 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 2019-08-05 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: MI

Complaint narrative:
I have been making payments to XXXX XXXX XXXX for about 2 and half years now and the majority of them have been paid online. I paid my XXXX mortgage payment onXX/XX/19 which was a Sunday at XXXX. XXXX XXXX  changed the way they process payments on the weekend, did not notify me of the change, and applied my payment as of XX/XX/19 and put a 30 day late on my credit report. I paid on XX/XX/XXXX not XX/XX/XXXX. I was not 30 days late. I provided proof showing the screen print of my payment along with their email confirmation of receipt of payment dated Sunday, XX/XX/2019 XXXX XXXX. XXXX XXXX refuses to take the 30 day late off my credit report. I've called them numerous times speaking to various people. More than one of their reps agreed that they recently changed the way they process payments. They now apply weekend payments the following business day and will put a 30 day late on your credit report even though you were not 30 days late. Again, they failed to notify me of this change in apply weekend payments the following business day and the fact still remains that I paid on XX/XX/XXXX not XX/XX/XXXX. My last call to XXXX XXXX Co was with their Customer Liaison on XX/XX/19 at XXXX. He stated they've done this to thousands of people and put the 30 days late on their credit reports too. I first notified XXXX XXXX   of their error on XX/XX/19 via email to XXXX. I received no response. I sent a second request for them to correct their error on XX/XX/19. No response to my either email. I was verbally told they would have a decision by XX/XX/19. It seriously does not take two weeks to look at this information. I calledXX/XX/19 and was told they declined to remove the 30 day late and was advised to file a dispute with the 3 credit bureaus so that department can review the complaint and decide what to do. They are clearly violating the Fair Credit Reporting Act when I paid them on XX/XX/19 not XX/XX/19. Here are the dates & times of my calls to XXXX XXXX XXXX trying to get them to review the proof of payment emailed to them and to remove the 30 day late from my credit report : XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/XXXX XXXX XX/XX/2019XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 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: MI

Complaint narrative:
I have been making payments to XXXX XXXX XXXX for about 2 and half years now and the majority of them have been paid online. I paid my XXXX mortgage payment on XX/XX/19 which was a Sunday at XXXX. XXXX XXXX changed the way they process payments on the weekend, did not notify me of the change, and applied my payment as of XX/XX/19 and put a 30 day late on my credit report. I paid on XX/XX/XXXX not XX/XX/XXXX. I was not 30 days late. I provided proof showing the screen print of my payment along with their email confirmation of receipt of payment dated Sunday, XX/XX/2019 XXXX PM. XXXX XXXX refuses to take the 30 day late off my credit report. I've called them numerous times speaking to various people. More than one of their reps agreed that they recently changed the way they process payments. They now apply weekend payments the following business day and will put a 30 day late on your credit report even though you were not 30 days late. Again, they failed to notify me of this change in apply weekend payments the following business day and the fact still remains that I paid on XX/XX/XXXX not XX/XX/XXXX. My last call to XXXX XXXX XXXX was with their Customer Liaison on XX/XX/19 at XXXX. He stated they've done this to thousands of people and put the 30 days late on their credit reports too. I first notified XXXX Mortgage of their error on XX/XX/19 via email to XXXX. I received no response. I sent a second request for them to correct their error on XX/XX/19. No response to my either email. I was verbally told they would have a decision by XX/XX/19. It seriously does not take two weeks to look at this information. I called XX/XX/19 and was told they declined to remove the 30 day late and was advised to file a dispute with the 3 credit bureaus so that department can review the complaint and decide what to do. They are clearly violating the Fair Credit Reporting Act when I paid them on XX/XX/19 not XX/XX/19. Here are the dates & times of my calls to XXXX XXXX  XXXX trying to get them to review the proof of payment emailed to them and to remove the 30 day late from my credit report : XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXXXX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 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 2019-08-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
My mortgage is with mr cooper mortgage company. My homeowners insurance payment was due XX/XX/12. It has yet to be paid apparently because they have my home listed as a condo and not a free standing home. Both myself and my insurance agent have spent HOURS on the phone. My insurance is to be cancelled Friday for non payment. My calls average over 1hour and I keep getting promised that it will be fixed and I will get called back. That the supervisors that I have spoken to will handle it and you cant even get them back on the phone.

Company response to consumer: Closed with explanation