vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-30 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: LoanCare, LLC
State: UT

Complaint narrative:
Loancare # XXXX is reporting lates in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX that I should not have. I had paid this online and it showed that it went through when I did so, I did not know that the payments were not going through until I had my credit pulled and saw all the lates on my credit report. These lates are not my fault and they need to be removed off of my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I was shocked when reviewing my credit report and found a late payments on the dates below : 30 days late as of XX/XX/XXXX ( XXXX & XXXX  ) 30 days late as of XX/XX/XXXX ( XXXX & XXXX ) I am not sure how this happened. I believe I made my payments to you when I received my statement. My only thought is that my statements did not get to me.

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 2019-10-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Harmon Law Offices, P.C.
State: MA

Complaint narrative:
On XX/XX/2019 I sent Harmon Law, PC ( separate party ) a 93 A letter whereas whom they represent for foreclosure actions, XXXX XXXX XXXX XXXX XXXX. Today I received their response which is NOt a legal response to it! ( see attached pay off quote ) its client sent me a payoff quote from instead of answering it directly. This is not a legal response. Please see also on page 13 pgh 2 last sentence of the court decision it states ( please see also attached court ruling on XX/XX/2019 pg 13, pgh 2 ) that there is no value whereas there is no note to put a value on my home in question. Not only did Harmon Not respond with a legal 93A required response but it also did not acknowledge the fact that having no original promissory note and mortgage there is no real value to foreclose on my home with. Please see 93A letter sent to Harmon it specifies which rules and or regulations are being violated here. This letter is directed at Harmon Law, PC. 

This court ruling file ( too large ) can not fit on this site so I am attaching page 13, pgh2 from it. 
Again this action is for Harmon Law, PC ( foreclosure mill ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 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: NJ

Complaint narrative:
I upgraded my old SPG Amex card to Amex Marriott bonvoy brilliant due to upgrade offer which was 100,000 points with {$5000.00} spending requirement within 3 month on XX/XX/2019. 

I didn't get any bonus points after {$5000.00} spending. 
Therefore, I contacted Amex to check the status several times. 
Amex told me there was no offer for me when I upgraded my card. 

My fault was I didn't capture any evidence when I upgraded. 
I found upgrade offer in my Amex account and I upgraded it. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 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: EQUIFAX, INC.
State: UT

Complaint narrative:
XXXX # XXXX is reporting lates in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX that I should not have. I had paid this online and it showed that it went through when I did so, I did not know that the payments were not going through until I had my credit pulled and saw all the lates on my credit report. These lates are not my fault and they need to be removed off of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 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: UT

Complaint narrative:
XXXX # XXXX is reporting lates in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX that I should not have. I had paid this online and it showed that it went through when I did so, I did not know that the payments were not going through until I had my credit pulled and saw all the lates on my credit report. These lates are not my fault and they need to be removed off of my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
XXXX # XXXX is reporting lates in XX/XX/17, XX/XX/17, and XX/XX/17 that I should not have. I had paid this online and it showed that it went through when I did so, I did not know that the payments were not going through until I had my credit pulled and saw all the lates on my credit report. These lates are not my fault and they need to be removed off of my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 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: Ocwen Financial Corporation
State: UT

Complaint narrative:
PHH Mortgage Services # XXXX is reporting lates in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX that I should not have. I had paid this over the phone and was under the impression the payments went through, I did not know that the payments were not going through until I had my credit pulled and saw all the lates on my credit report. These lates are not my fault and they need to be removed off of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 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: MO

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-30 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: MO

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2019-10-30 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: EQUIFAX, INC.
State: UT

Complaint narrative:
XXXX XXXX  XXXX # XXXX is reporting lates in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX that I should not have. I had paid this over the phone and was under the impression the payments went through, I did not know that the payments were not going through until I had my credit pulled and saw all the lates on my credit report. These lates are not my fault and they need to be removed off of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 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: UT

Complaint narrative:
XXXX XXXX  XXXX # XXXX is reporting lates in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX that I  should not have. I had paid this over the phone and was under the impression the payments went through, I did not know that the payments were not going through until I had my credit pulled and saw all the lates on my credit report. These lates are not my fault and they need to be removed off of my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
XXXX XXXX XXXX # XXXX is reporting lates in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX that I  should not have. I had paid this over the phone and was under the impression the payments went through, I did not know that the payments were not going through until I had my credit pulled and saw all the lates on my credit report. These lates are not my fault and they need to be removed off of my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Windy City Capital Management, LLC
State: AZ

Complaint narrative:
I received a letter from the FDIC to follow up with you. I left a message with XXXX XXXX at FDIC regarding help with getting positive credit report updates. 
I think XXXX ( a manager at XXXX XXXX ) may have called me on on around XX/XX/19 regarding a settlement for around {$340.00}. 
On XX/XX/19, XXXX XXXX ( not sure of spelling ), helped me set up a settlement payment arrangement for {$25.00} on XX/XX/19 and the rest of it to come out ... possibly XXXX on XX/XX/19. 
I believe I contacted Windy City Capital on XX/XX/19. They may work with XXXX XXXX, but did not have my account information. Therefore, they would not be able to update my XXXX status to paid on my credit report. 
Again, I am waiting to call back XXXX after today to see if they are willing to forgive this debt and just leave my XXXX   status as charged off if they are unable to update it to paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 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've Been a victim of Identity theft. I did not Authorize anyone to open any Accounts Using my Information.. These accounts is fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 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've Been a victim of Identity theft. I did not Authorize anyone to open any Accounts Using my Information.. These accounts is fraud

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 2019-10-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
I have a new flood insurance and was given to the company weeks ago this is a new loan with new flood insurance, on XX/XX/2019 Loan Care received the information and has not updated my monthly payment which is to be lowered. My mortgage is due in 2 days and still no new monthly payment. I have reached out to Loan Care many many times and still no conclusion. I also sent a request through Loan Care website as instructed to by a representative of Loan Care. Have been told it will be updated by XX/XX/2019 and as of today XX/XX/2019 payment has not been updated.

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 2019-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Santander Consumer USA Holdings Inc.
State: VA

Complaint narrative:
I have XXXX XXXX and XXXX there are over 15 inaccurate things on my credit in was XXXX  from XX/XX/XXXX, until almost XX/XX/XXXX, so all my stuff that's on those years were not me I had a fiance at the time who I knew could and would have done all kinds of stuff including spending all money in my XXXX XXXX selling my car, etc XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: REVERSE MORTGAGE INVESTMENT TR
State: OH

Complaint narrative:
I am the executor of my mothers estate who passed away XX/XX/19. We sold her home and closed on the loan XX/XX/19. She has a reverse mortgage. The bank that closed the loan has been trying to get a payoff from the reverse mortgage company since XX/XX/19. At first they told the bank it would take 5 days but when the bank contacted them again today they said it would take 10 days. Now they are going to have to request another payoff XX/XX/19 and wait another 10 days. Every day longer they take costs the estate more money. They should not be allowed to drag their feet like this.

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 2019-10-30 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: CITIBANK, N.A.
State: IL

Complaint narrative:
I originally filed a compliant against Citibank, XXXX which a rep with Citibank resolved on XX/XX/2019, per the received letter. To date, they haven't removed the late, delinquency from my credit report with each bureau, per the information stated on the letter. I have contacted Citi 's customer service on several occasions, and they are not even aware of the received letter. I've reached back out to the person who was assisting via customer relations, and I haven't received a reply. I did receive the letter, after our last conversation which I appreciate ; however, the final steps haven't been taken, removal from each credit reporting agency. In addition to contacting Citibank, I've contacted each bureau. I was told, Citi would have to request for the removal, they couldn't just remove the information from my report. Please assist with the final steps, removal. 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 2019-10-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ERC
State: GA

Complaint narrative:
I was told that I owe the amount of account and could be sued if debt wasn't paid. I didn't owe the amount stated on my credit report. Account information is inaccurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NM

Complaint narrative:
My wages are currently being garnished from a charge off on my credit card back in XXXX. The original creditor was LVNV funding LLC, which was taken over by XXXX XXXX XXXX XXXX in XX/XX/XXXX. The original complaint was filed on XX/XX/XXXX, and my case was taken over by two judges since then. I received a letter in the mail on XX/XX/XXXX, informing me that my wages were going to be garnished from my job. The letter contained information that XXXX was notifying me that a Writ of Garnishment has been received as of XX/XX/XXXX. During the period of the two judge transfers starting on XX/XX/XXXX, no action was taken. My question is I never heard anything until just recently that the case was reopened after five years. Why am I being garnished after five years of no contact? They are wanting {$9200.00} when the last amount of charge off was {$5700.00}. I'm not sure what to do at this point. The amount of {$180.00} has been garnished from my XX/XX/XXXX paycheck. I can not afford 25 % taken from my paycheck every two weeks when I only make {$2200.00} a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: DISCOVER BANK
State: TX

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2019 ( all 3 bureaus ) I am not sure how this happened. I believe I made my payment to you when I received my statement. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: KS

Complaint narrative:
From the beginning of this loan process, no one would reply to us about the documents needed until our realtor called and spoke to a supervisor. Then they sent documents we needed. Less than a week before closing they called again saying our file is cleared and we just need about 3 more documents and if we had them all in by Monday we could close on time on Thursday. We had all our documents in on Sunday and Monday at XXXX we were contacted saying they are still working on clearing our file. Now they are saying our move in date wont be until Friday which they still havent contacted us or sent a CD in order to even close on time Friday.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
Called Navient today and got disturbing news. 
Im currently {$62000.00} in student loan debt, and trying to figure out the best option. I requested a forbearance and got approved on XX/XX/XXXX, which stated that can resume payments on XX/XX/XXXX. I was told today that my forbearance ended on XX/XX/XXXX, and I was not aware of the change. So all of the late charges and derogatory comments landed on my credit report. That makes me wonder if I have been getting charged like this on my previous forbearance request. I recently applied for a personal loan, and it stated the reason for denial wasaccount severely delinquent. I truly believe it was because of this debt that I was misinformed about. I understand that I had to get student loans to complete my accounting degree, but I cant even land a job in the field due to less demand in my area. Its bad enough to have this following you for 10+ years, but to be misinformed is totally unnecessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2019 ( all 3 bureaus ) I am not sure how this happened. I believe I made my payment to you when I received my statement. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 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:
Hello, Experian informed CFPB that the entry I am disputing is not on my credit file. It's as if they removed it, yet my on file dispute with them that I downloaded today, XX/XX/2019, states otherwise. It states XXXX XXXX claim is valid when it is not. They may have removed my collections however, my score never improved, and the dispute was never updated to show XXXX XXXX collection account was removed from my credit file. I have an exceptional payment history with the exception of one late payment due to my banks mistake that took over 2months to fix. Yet my credit score is below 600 and I've been paying on time since my accounts were opened over two years ago. There's no reason my score should be that low.

One day, I am going to prove, Experian & XXXX XXXX score not just according to the standards set by law, but by Ethnicity as well. They're scoring is harsh on others while extremely lenient on another.

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