vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY
State: KY

Complaint narrative:
Received Target, 'REDcard ' in mail to my home on XXXX. This card was sent without any of my knowledge of opening this account. I phoned card services on XXXX and learned of balance of {$1400.00}. Connected with Fraud Department. Card cancelled. Apparently, based on information shared with Fraud Department, the Target store issued credit based on my stolen drivers license from XXXX XXXX. 

Fraud Department said on phone they are mailing me questionnaire to conduct fraud investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-23 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: IL

Complaint narrative:
I notified Transunion that they were reporting fradugelent information on my credit. They did nothing to get this problem resolved. I have sent a police report identity theft report as well proving these things do not belong to me & I did not apply for these. They also have address information for places that I have never lived at making it easy for someone to use my information again. These accounts are not mine XXXX XXXX XXXX XXXX, XXXX XXXX/XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX   XXXX, and XXXX XXXX XXXX ( several accounts listed ). I have never lived at XXXX XXXX XXXX XXXX or XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I got today a new balance different as the last week this new company fraudulent charges are goin out of control shell point new mortgage company when XXXX transfer me to XXXX XXXX XXXX their balance increased by with out explanation but theirs their corrupted numbers when they gave me the loan modification the last one signed force by court or signed or get out of the house thats what my lawyers said at the time they says to the government that they help me to keep my house when in reality they where increased even more my loan with lawyers fees house watching services I live in my house and I never saw no one court fees a new loan 2 loan into one all this new charges where all the way to {$110000.00} plus that was the help I told my lawyers about not been agreed but the say that no choose im in XXXX an my income it is limited so I did have a choose I got family and I can afford to move and at the time I paid my own lawyer to screed me up but the told my lawyer they will be given me a new loan modification with in a year I needed to keep making my payments for a year so far I didn't but that why this is my second complaint with in a month with 2 different amounts I called the costumer services from shell point mortgage services and they claimed I owe them they dont know which mouth or where this charges comes from but I owed them 6 mouth I send them 6 month prove from my bank but so far nothing but a increased amount from XXXX to XXXX With new principal of XXXX XXXX when in my supposed loan modification isXXXX at this point Im making a complaint about a new mortgage company for the same issues they do increased mortgage so I can not afford to pay it and then rob or my real state my family house Since I got my loan modification and been charged {$110000.00} more on my new balances I was suppose to started I paid from 2015 mortgage every month with out missing any payment some times more or letter in a month but never missed any monthly payment since I got my loan modification which it was supposed to help me to stay home no to sell my mortgage and this new loan company to increases my balances again by the way my complaint are about the abused an corruption and fraudulent way to steal real state lies evil fraudulent ways

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: DC

Complaint narrative:
My mortgage was serviced by Seterus Inc until XX/XX/2019 and then it was transferred to a company called Mr. Cooper. I have been receiving mortgage statements from Mr. Cooper about my payments, which are on time and as of XX/XX/2019, the statement I received stated that my mortgage would not receive a late payment if payment was received after XX/XX/19. Under the agreement for mortgage transfer from Seterus to Mr. Cooper, there was to be a 60 day grace period to not charge late payment fees on mortgage payments in the event they would be late, due to the transfer. I paid my mortgages and was not 30  days late. However, I recently received a notice from XXXX   regarding a drop in my FICO score due to a late mortgage payment to Mr. Cooper for mortgage XXXX in XX/XX/2019, which was NOT late, nor 30 days delinquent. I checked the statement online for this mortgage and do not see that Mr. Cooper received a payment from me 30 days delinquent in XX/XX/2019. I have 3 mortgages that were transferred to Mr. Cooper and all were paid on the same day and are not 30 days late nor were they paid late to deserve a late fee. My mortgages were paid on time. Yet, Mr. Cooper has put a delinquent note on my credit report, that has adversely affected me and my FICO score.

I want the delinquent note removed ASAP from my credit report. My mortgage was not 30 days late in the month of XX/XX/2019. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
Got email from EQUIFAX. went online to review it ( XX/XX/2019 ), put all my information in, again as usual Equifax online system doesnt work. I called their # XXXX, again after answering full name ss # address mortgage amount and bank, previous car loan bank name, my credit card company and other questions, still denied dispute results cause it " was not me '' told them mail results then I gave you my address and I have given you state drivers license. It's still not me, FCRA VIOLATION? I even told them what company dispute was about ( only l would know that ) yet it's not me. I'm so fed up with bureaus employees ( bad speaking English ones ) dont know the laws. So lm denied dispute results, it's a joke and Equifax needs to fix their online portal..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: DISCOVER BANK
State: MN

Complaint narrative:
I need to file a complaint on behalf of discover card I received a pre approve credit noticed in mail so I applied for the card and got denied. the advertise information stated that I was approved I reached out to discover reconsideration line this morning to find out why the rep was so rude and nasty Saying whatever this whatever that this is a very unprofessional bank and the way you conduct business. I'm not the least bit concerned about getting an account with discover if the services is going to be this way. But however since discover sent in fraudulent noticed I asked that you delete that inquiry from my credit report. I'm not talking about the soft pull I'm talking about the hard pull please delete ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23 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: MO

Complaint narrative:
This is a duplicate information - the same loan is posted more than once by the same lender, it shouldn't be listed as multiple accounts. Please remove the excess lines.. FCRA protects consumers against the misreporting of data on a credit report that includes multiple listings. Equifax and XXXX didn't have procedure in place to ensure accuracy. Mistakes can happen I understand but this one, I couldn't slip away, Please rectify quickly US DEP ED XXXX, US DEP ED XXXX, US DEP ED XXXX, US DEP ED XXXX XXXX US DEP ED XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23 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: NY

Complaint narrative:
I have check my credit and realize that my identity had been stolen and accounts had been opened without my knowledge, recent data breaches has exposed my personal information, your company already block some of the information a copy of previous complaint is attached but two accounts appeared in my credit ( XXXX XXXX XXXX and XXXX XXXX ) please block these items that do not belong to me, 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 2019-06-23 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: GA

Complaint narrative:
Contacted NetCredit for XXXX in XX/XX/2018. At the time was never disclosed of interest rate of 59.75. To my surprise I had benn making payment of {$140.00} and noticed loan amount was going up instead of down. They are totally ripping me off. Never told me that they would be debiting my account twice a month. I borrowed {$3100.00} and have paid a {$1000.00} dollars toward account and balance says XXXX. Had I of been told upfront was a payday loan I would of never taken loan. NetCredit took advantage of a XXXX year old woman who supports herself with a 59.75 % interest. Please help.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23 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: MO

Complaint narrative:
This is a duplicate information - the same loan is posted more than once by the same lender, it shouldn't be listed as multiple accounts. Please remove the excess lines.. FCRA protects consumers against the misreporting of data on a credit report that includes multiple listings. XXXX and Transunion didn't have procedure in place to ensure accuracy. Mistakes can happen I understand but this one, I couldn't slip away, Please rectify quickly US DEP ED XXXX, US DEP ED XXXX, US DEP ED XXXX, US DEP ED XXXX , US DEP ED 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 2019-06-23 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: MO

Complaint narrative:
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 XXXX XXXX   XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23 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: IL

Complaint narrative:
I wanted to let you know that Equifax is reporting fradugelent things on my credit report. I sent them a police report as well as an identity theft report to let them know these things are FRAUD for XXXX   XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX/XXXX, and all the accounts with Merchants.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23 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: IL

Complaint narrative:
Experian and XXXX are reporting that I have a dismissed bankruptcy in my credit report. I shouldnt have any reporting of a bankruptcy in my credit file. I have requested in writing on four different occasions for Experian and XXXX to conduct a reasonable investigation into this matter and to delete all reporting of dismissed bankruptcy from my public records and to cease & desist any type of bankruptcy reporting on any account. 
As of XX/XX/2019 Experian is currently reporting a dismissed bankruptcy in my public record file. Experian is also reporting a dismissed bankruptcy under account history and account status on a closed XXXX XXXX account. As of XX/XX/2019 XXXX it's currently listing an incorrect status and account history for XXXX XXXX XXXX closed account. Experian and XXXX  has confirmed that they have obtained public records from a third party vendor known as XXXX. As of XX/XX/2019 there is no bankruptcy reporting on my XXXX file.

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 2019-06-23 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: MO

Complaint narrative:
On Transunion report the orginal credit is not listed but is listed with XXXX this is a discrepancy and is in fact a violation of the FCRA guidelines and must be removed immediately from both credit bureaus. 
This public record of bankruptcy was removed and added back to my report the same exact day, which cause my score to decrease by 32 points. This is a discrepancy and inconsistent information and is in violation of FCRA guidelines therefore you must remove this from both my reports increasing my score. 
Transunion and XXXX showing XXXX XXXX for Transunion status ( open ) but for XXXX and XXXX as chargeoff/collection account why is this, this is a discrepancy and is violation of the FCRA guidelines and must be removed immediately from all 3 repYou are showing XXXX XXXX for Transunion status ( open ) but for XXXX as chargeoff/collection account why is this, this is a discrepancy and is violation of the FCRA guidelines and must be removed immediately from both reports/bureaus.orts/bureaus.

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 2019-06-23 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: MO

Complaint narrative:
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 XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23 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: MO

Complaint narrative:
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 XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I am not the owner of this account.. 
Delete XXXX XXXX**..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 2019-06-23 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: MO

Complaint narrative:
On XXXX report the orginal credit is not listed but is listed with Equifax this is a discrepancy and is in fact a violation of the FCRA guidelines and must be removed immediately from both credit bureaus. 
This public record of bankruptcy was removed and added back to my report the same exact day, which cause my score to decrease by 32 points. This is a discrepancy and inconsistent information and is in violation of FCRA guidelines therefore you must remove this from both my reports increasing my score. 
XXXX and Equifax showing XXXX XXXX for XXXX status ( open ) but for Equifax and XXXX as chargeoff/collection account why is this, this is a discrepancy and is violation of the FCRA guidelines and must be removed immediately from all 3 repYou are showing XXXX XXXX for XXXX status ( open ) but for XXXX as chargeoff/collection account why is this, this is a discrepancy and is violation of the FCRA guidelines and must be removed immediately from both reports/bureaus.orts/bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23 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: MO

Complaint narrative:
On XXXX report the orginal credit is not listed but is listed with XXXX this is a discrepancy and is in fact a violation of the FCRA guidelines and must be removed immediately from both credit bureaus. 
This public record of bankruptcy was removed and added back to my report the same exact day, which cause my score to decrease by 32 points. This is a discrepancy and inconsistent information and is in violation of FCRA guidelines therefore you must remove this from both my reports increasing my score. 
XXXX  and XXXX showing XXXX systems for XXXX status ( open ) but for XXXX and Experian as chargeoff/collection account why is this, this is a discrepancy and is violation of the FCRA guidelines and must be removed immediately from all 3 repYou are showing XXXX systems for XXXX status ( open ) but for Experian as chargeoff/collection account why is this, this is a discrepancy and is violation of the FCRA guidelines and must be removed immediately from both reports/bureaus.orts/bureaus.

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 2019-06-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Midland funding file a lawsuit for a debt that was not mine. They failed to properly notify me of a court hearing. The Judge entered a judgment in their favor for default. The only paper I received was only a paper that read left on fence with the judgement entered. The server put 2012 as the year of declaration under penalty. When I received the default judgement via reg mail, I asked to speak with the Judge about this incident and the court clerk told me that there was nothing I could do because a decision was already made. Now this company entered a levy on my bank account for XXXX the judgement that I have reads XXXX. They also made harassing calls to my family members about going to jail if this was not paid. 
Date of court hearing was XXXX XXXX Date of Levy was XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
InapreviouscomplaintwithSynchronyBank,theyrespondtomewiththesametacticstheyhavebeenusing.Asareply,theysendmeacopyofallthereportstheypulledoneachcreditaccountandthentriedtomakethisaboutthecreditbureausandtheyweresendingmethesereports.Ididn'trequestthecreditbureausendmeanyreportsandthebureausdon'tarbitrarilypullconsumerreportsandmailthemouttothem.

ThebottomlineisthatSynchronyBankisdoingsomethingthatshouldn'tbeoccurring.Nowtheyaretryingtoplacetheblameonthecreditbureau.Howbizarreofthiscompanytosendaresponselikethis.

Thecreditbureauisn'ttheonearbitrarilyreducingcreditlimits,harassingcustomers,andplacingfalseinformationoncreditreports.Iamdoingnothingbutpayingmybillsontimeanddon'twanttohavetoputupwiththismess.

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